Vermont

Vermont

Vermont Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Mortgage.

Foreclosure Type(s): Judicial.

Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.

Initial Public Notice: Complaint.

Estimated Foreclosure Process Period: 95+ days.

First Notice to Sale Time Period: 95+ days.

Redemption Period?: Yes, 6-12 months.

Deficiency Balance?: Yes.

* * * This information represents MRP’s current understanding of the Vermont foreclosure process. For the most detailed and up to date information, your should contact your local county government.* * *

Stop Foreclosure!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, you need a foreclosure defense attorney or foreclosure litigation attorney to effectively represent your interests. If you have received one of these notices, contact us today regarding appropriate legal options!

Foreclosure Defense Attorneys

foreclosure defense attorneysForeclosure defense attorneys can answer complaints, file counter-claims and motions, and represent you at hearings, mediation, and during the entire negotiation process. A foreclosure defense attorney will fight to defend your rights, and achieve the best possible outcome in loan modification, reinstatement, forbearance, principal reduction, and other foreclosure alternatives.

► ► Find A Foreclosure Defense Attorney In Vermont! ◄ ◄

► ► Complete the Foreclosure Defense Attorney Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

foreclosure litigation attorneysIn recent years, legislators have passed new laws which give consumer protection rights to homeowners, and provide statutory damages for violations. Accordingly, many homeowners are now hiring foreclosure litigation attorneys to sue their lenders, and use other aggressive legal tactics to stop the foreclosure process, resolve their mortgages, and obtain corrective and monetary relief.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

IMPORTANT, PLEASE READ: If you no longer occupy or legally control a property, but seek monetary and corrective damages for wrongful foreclosure and related legal issues, please visit the Wrongful Foreclosure Damages page to learn about available legal services.

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in Vermont

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.

Foreclose Defense Attorney ConsultationIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. Negotiating yourself or through a non-attorney third party can even be detrimental. Before you do anything else, we recommend a NO COST ATTORNEY CONSULTATION or completing our FORECLOSURE DEFENSE ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in Vermont

Agency Name Phone
Website
Address Languages
Champlain Housing Trust, Inc. Phone: 802-861-7310
Web: www.champlainhousingtrust.org
88 King Street
Burlington, Vermont 05401
– English
GreenPath, Inc Phone: 888-860-4172
Web: www.greenpath.org
41 IDX Drive, Suite 210
S. Burlington, Vermont 5403
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Vermont

This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Address Languages
CAPSTONE COMMUNITY ACTION P: 802-479-1053
T:
F:
E: info@capstonevt.org
W: www.capstonevt.org
20 Gable Pl
Barre, Vermont 05641-4138
– English
– Spanish
DOWNSTREET HOUSING & COMMUNITY DEVELOPMENT (FORMERLY CENTRAL VERMONT COMMUNITY LAND TRUST) P: 802-476-4493-207
T:
F: 802-479-0120
E: Epeltier@cvclt.org
W: www.downstreet.org
105 N. Main Street
BARRE, Vermont 05641-3784
– English
BENNINGTON-RUTLAND OPPORTUNITY COUNCIL, INC. (BROC) P: 802-665-1723
T:
F: 802-775-9949
E: cflint@Broc.org
W: www.broc.org
332 Orchard Road
BENNINGTON, Vermont 05201-8842
– English
WINDHAM AND WINDSOR HOUSING TRUST P: 802-246-2109
T:
F: 802-254-4656
E: info@w-wht.org
W: www.w-wht.org
68 Birge St
Brattleboro, Vermont 05301-6421
– English
CHAMPLAIN HOUSING TRUST P: 802-861-7331
T:
F: 802-862-5054
E: rrectenwald@getahome.org
W: www.getahome.org
88 King St
BURLINGTON, Vermont 05401-5089
– English
GILMAN HOUSING TRUST, INC. DOING BUSINESS AS RURALEDGE P: 802-535-3555-1302
T:
F: 802-473-3916
E: info@ruraledge.org
W: www.ruraledge.org
48 Elm Street
LYNDONVILLE, Vermont 05851-9255
– English
– French
– German
– Spanish
BENNINGTON-RUTLAND OPPORTUNITY COUNCIL, INC. (BROC) P: 802-775-0878
T:
F: 802-775-9949
E: eeddy@broc.org
W: www.broc.org
45 Union Street
RUTLAND, Vermont 05701-3956
– English
NEIGHBORWORKS OF WESTERN VERMONT P: 802-438-2303
T:
F: 802-438-5338
E: jpliner@nwwvt.org
W: www.nwwvt.org
110 Marble Street
WEST RUTLAND, Vermont 05777-4414
– English
– French
OPPORTUNITIES CREDIT UNION P: 802-654-4540
T: 800-865-8328
F: 802-654-4551
E: mbarry@oppsvt.org
W: www.oppsvt.org
25 Winooski Falls Way
Winooski, Vermont 05404-2269
– Arabic
– English
– French
– Other
– Portuguese
– Spanish
– Swahili

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Vermont, please visit the HUD website.