Washington

Washington

Washington Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Both Mortgage and Trust Deed.

Foreclosure Type(s): Judicial (rare) and Non-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.

Non-judicial Foreclosure: A foreclosure process where a third party Trustee has the power to foreclosure and initiate a sale based on a Trust Deed instrument.

Initial Public Notice: Notice of Default.

Estimated Foreclosure Process Period: 135+ days.

First Notice to Sale Time Period: 90+ days.

Redemption Period?: None. (Judicial foreclosures only)

Deficiency Balance?: Yes. (Judicial foreclosures only, rare)

* * * This information represents MRP’s current understanding of the Washington 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 Washington! ◄ ◄

► ► 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 Washington

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 Washington

Agency Name Phone
Website
Address Languages
NeighborWorks of Grays Harbor Phone: 360-533-7828
Web: www.aberdeen-nhs.com
710 E. Market St
Aberdeen, Washington 98520
– English
North Seattle Community College Foundation Phone: 888-282-5492
Web: www.myfinancialgoals.org
263 4th St
Bremerton, Washington 98337
– English
Consumer Credit Counseling Service of Central Ohio Phone: 800-355-2227
Web: www.apprisen.com
401 North Morain Steet
Kennewick, Washington 99336
– English
CCCS of Greater Atlanta Phone: 877-877-1995
Web: www.clearpointccs.org
4010 Watson Plaza Dr., Suite 225
Lakewood, Washington 90712
– English
Consumer Credit Counseling Service of Central Ohio Phone: 800-355-2227
Web: www.apprisen.com
2938 Limited Lane NW, Suite A-3
Olympia, Washington 98502
– English
Consumer Credit Counseling Service of Central Ohio Phone: 800-355-2227
Web: www.apprisen.com
16225 NE 87th St., Suite B11
Redmond, Washington 98052
– English
CCCS of Greater Atlanta Phone: 877-877-1995
Web: www.clearpointccs.org
9725 Third Ave., NE Suite 400
Seattle, Washington 98115
– English
El Centro De La Raza Phone: (206) 957-4634
Web: www.elcentrodelaraza.org
2524 16th Ave South
Seattle, Washington 98144
– English
Urban League of Metropolitan Seattle Phone: 206-461-3792
Web: www.urbanleague.org
105 14th Avenue
Seattle, Washington 98122
– English
Parkview Services Phone: 206-542-6644
Web: www.parkviewservices.org
17544 Midvale Ave N, Ste LL
Shoreline, Washington 98133
– English
MMI – Spokane Phone: 800-308-2227
Web: www.moneymanagement.org
4407 North Division Street, Ste. 814
Spokane, Washington 99207
– English
Money Mangement International Phone: 866.764.3328
Web: www.moneymanagement.org
4407 N. Division, Ste 814
Spokane, Washington 99207
– English
Pierce County Coalition for Developmental Disabilities Phone: 253-564-0707
Web: www.pc2online.org
3716 Pacific Ave #A
Tacoma, Washington 98418
– English
Consumer Credit Counseling Service of Central Ohio Phone: 800-355-2227
Web: www.apprisen.com
3560 Bridgeport Way West
University Place, Washington 98466
– English
Consumer Credit Counseling Service of Central Ohio Phone: 800-355-2227
Web: www.apprisen.com
<1115 W. Lincoln, Suite 119 Yakima, Washington 98902 <- English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Washington

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
NEIGHBORWORKS OF GRAYS HARBOR COUNTY (ABERDEEN NHS) P: 360-533-7828
T:
F:
E: anhs@aberdeen-nhs.com
W: www.aberdeen-nhs.com
710 E Market St
Aberdeen, Washington 98520-3430
– English
AMERICAN FINANCIAL SOLUTIONS P: 888-864-8699
T: 888-864-8699
F: 888-282-5495
E: housing@myfinancialgoals.org
W: www.myfinancialgoals.org
263 4th St
BREMERTON, Washington 98337-1812
– English
– Spanish
RURAL RESOURCES COMMUNITY ACTION P: 509-685-6179
T: 877-219-5542
F: 509-685-0108
E: jowens@ruralresources.org
W: www.ruralresources.org
956 South Main
COLVILLE, Washington 99114-2505
– English
– Spanish
– Ukrainian
CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OHIO – KENNEWICK OFFICE P: 800-355-2227
T: 800-355-2227
F:
E: info@apprisen.com
Web: www.apprisen.com
401 N. Morian Street
KENNEWICK, Washington 99336-2667
– English
– Spanish
CLEARPOINT CREDIT COUNSELING SOLUTIONS – LAKEWOOD BRANCH P: 800-634-2227
T: 253-813-0510
F: 855-224-3625
E: hud-inquiries@clearpointfs.org
W: www.clearpointccs.org
10116 36th Avenue Ct SW
#106
Lakewood, Washington 98499-4791
– ASL
– English
– Other
– Spanish
CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OHIO – OLYMPIA OFFICE P: 800-355-2227
T: 800-355-2227
F:
E: info@apprisen.com
W: www.apprisen.com
2938 Limited Lane NW
Suite A3
OLYMPIA, Washington 98502-6500
– English
CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OHIO – RENTON OFFICE P: 800-355-2227
T: 800-355-2227
F:
E: info@apprisen.com
W: www.apprisen.com
304 Main Ave S
Suite 304D
RENTON, Washington 98057-2758
– English
AMERICAN FINANCIAL SOLUTIONS P: 888-864-8699
T:
F: 888-282-5495
E: housing@myfinancialgoals.org
W: www.myfinancialgoals.org
2815 2nd Avenue Suite 280
SEATTLE, Washington 98121-1272
– English
CLEARPOINT CREDIT COUNSELING SOLUTIONS – SEATTLE BRANCH P: 800-634-2227
T: 206-985-3650
F: 855-872-5598
E: hud-inquiries@clearpointfs.org
W: www.clearpointccs.org
9725 3rd Ave NE Ste 400
Seattle, Washington 98115-2024
– ASL
– English
– Other
– Spanish
EL CENTRO DE LA RAZA P: 206-957-4639
T:
F: 206-726-1529
E: homeownership@elcentrodelaraza.org
W: www.elcentrodelaraza.org
2514 16th Ave South
SEATTLE, Washington 98144-5104
– English
– Spanish
HOMESIGHT P: 206-723-4355
T:
F:
E: contact@homesightwa.org
W: www.homesightwa.org
5117 Rainier Ave S
Seattle, Washington 98118-1928
– Cambodian
– English
SOLID GROUND WASHINGTON P: 206-694-6766
T:
F:
E: housingcounseling@solid-ground.org
W: www.solid-ground.org
1501 North 45th St
SEATTLE, Washington 98103-6708
– English
URBAN LEAGUE OF METROPOLITAN SEATTLE P: 206-461-3792
T: 800-368-1455
F: 206-461-8425
E: ltaylor@urbanleague.org
W: www.urbanleague.org
105 14th Ave Suite 200
SEATTLE, Washington 98122-5569
– ASL
– English
– Spanish
PARKVIEW SERVICES P: 206-542-6644-150
T: 877-894-4663
F: 206-542-6608
E: marc@parkviewservices.org
W: www.parkviewservices.org
17544 Midvale Avenue North Suite LL
SHORELINE, Washington 98133-4921
– Chinese Mandarin
– English
– Farsi
– Hindi
– Korean
– Other
– Spanish
– Vietnamese
MONEY MANAGEMENT INTERNATIONAL, INC. SPOKANE, WA P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
4407 North Division Street, Ste. 814
SPOKANE, Washington 99207-1613
– English
– Spanish
SPOKANE NEIGHBORHOOD ACTION PARTNERS P: 509-456-7106
T:
F:
E: info@snapwa.org
W: www.snapwa.org
500 S Stone St
Spokane, Washington 99202-4150
– English
CREDIT ADVISORS FOUNDATION P: 402-514-3340
T:
F: 402-393-7660
E: lisa@creditadvisors.org
W: www.creditadvisors.org
1944 Pacific Ave Ste 203
Tacoma, Washington 98402-3121
– English
– Korean
– Other
– Spanish
SOUTH SOUND OUTREACH SERVICES P: 253-593-2111
T: 877-751-3053
F: 253-593-3620
E: ashley@southsoundoutreach.org
W: www.southsoundoutreach.org
1106 Martin Luther King Jr Way
TACOMA, Washington 98405-4152
– English
– Spanish
APPRISEN – UNIVERSITY PLACE P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: info@apprisen.com
W: www.apprisen.com
3560 Bridgeport Way W Ste #1-D
UNIVERSITY PLACE, Washington 98466-4446
– English
– Russian
COMMUNITY HOUSING RESOURCE CENTER P: 360-690-4496
T:
F: 360-694-6665
E: info@homecen.org
W: www.homecen.org
103 E 29th St
Vancouver, Washington 98663-2775
– English
– Spanish
APPRISEN – YAKIMA P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: info@apprisen.com
W: www.apprisen.com
1115 West Lincoln Avenue Ste# 119
YAKIMA, Washington 98902-2571
– English
– Other
– Spanish
CATHOLIC CHARITIES HOUSING SERVICES P: 509-853-2800
T:
F: 509-853-1302
E: bketcham@cchsyakima.org
W: www.ccyakima.org
5301 TIETON DR. STE G
YAKIMA, Washington 98908-3479
– English
– Spanish

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