West Virginia

West Virginia

West Virginia
Foreclosure
Process

Security 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: Publication.

Estimated Foreclosure Process Period: 60+ days.

First Notice to Sale Time Period: 30+ days.

Redemption Period?: None. (Judicial foreclosures only)

Deficiency Balance?: No.

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

Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, only an experienced foreclosure attorney can effectively represent your interests. If you have received one of these notices, review some of the options below, and schedule a FREE attorney consultation today!

Mitigation Attorneys

Let a Representative of an established mortgage mitigation law firm explain your options regarding loan modification, reinstatement, forbearance, principal reduction and foreclosure alternatives like short sale, deed-in-lieu of foreclosure (DIL), cash for keys, and leaseback. When appropriate, the Representative can also schedule a NO COST mitigation attorney consultation!

► ► Speak To A Mortgage Mitigation Law Firm! ◄ ◄

► ► Complete the Mitigation Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

mortgage mitigation attorney (2)Since the exposure of widespread fraud and deceptive practices by some of America’s largest banks, legislators have passed new laws giving homeowners causes of action to sue their lenders. As a result, many homeowners are hiring litigation attorneys to sue their lenders and use other aggressive legal tactics to stop the foreclosure process and resolve their troubled mortgages.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

HUD Approved Housing
Counseling Agencies
Located in West Virginia

If you are behind on your mortgage, facing foreclosure or stuck in a bad loan, look for organizations offering “Mortgage Delinquency and Default Resolution Counseling” services. Organizations are listed in alphabetical order, by city.

THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. YOU SHOULD BE SKEPTICAL OF ANY “NON-ATTORNEY” ORGANIZATION’S ABILITY TO PROVIDE THE ASSISTANCE YOU NEED TO PREVENT FORECLOSURE!

Many of these organizations will end up recommending that you retain a foreclosure attorney. Most experienced foreclosure attorneys prefer to represent homeowners from the beginning of negotiations. Negotiating yourself or through a non-attorney third party can actually do harm, so we recommend a NO COST FORECLOSURE ATTORNEY CONSULTATION before you do anything else! You can also speed up the process by completing our ONLINE FORECLOSURE ATTORNEY EVALUATION. Your completed form is immediately routed to a foreclosure attorney licensed to practice in your state. You will receive a phone call with results and any further questions.

Agency NamePhone, Toll-Free,
Fax Number,
Email, Website
AddressCounseling Services
CCCS OF SOUTHERN WEST VIRGINIA - BECKLEYPhone: 304-255-2499-301
Toll-free: 800-869-7758
Fax: 304-255-2412
E-mail: [email protected]
Website: cccswv.com
109 East Main Street Suite 202
PO Box 2129
BECKLEY, West Virginia 25801-4616
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
CCCS OF SOUTHERN WEST VIRGINIA - BLUEFIELDPhone: 304-325-5143-1375
Toll-free: 800-355-2227
Fax: 304-324-0375
E-mail: [email protected]
Website: cccswv.com
Green Valley Business Center
Blue Prince Rd #101
Bluefield, WV 24701
Bluefield, West Virginia 24701-6282
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
RELIGIOUS COALITION FOR COMMUNITY RENEWALPhone: 304-346-6398
E-mail: [email protected]
Website: www.asite.com
1516 Washington St E
Charleston, West Virginia 25311-2511
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
CCCS OF NORTH CENTRAL WEST VIRGINAPhone: 304-623-0921
Toll-free: 800-498-6681
Fax: 304-624-4089
E-mail: [email protected]
Website: criss-crosswv.org
209 W Pike St
Clarksburg, West Virginia 26301-2708
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Reverse Mortgage Counseling
- Services for Homeless Counseling
HOUSING AUTHORITY OF MINGO COUNTYPhone: 304-475-4663
Fax: 304-475-1450
E-mail: [email protected]
Website: www.mingohousing.com
5026 Helena Avenue
Delbarton, West Virginia 25670
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
KANAWHA INSTITUTE FOR SOCIAL RESEARCH & ACTION, INC.Phone: 304-768-1300
Fax: 304-768-2194
E-mail: [email protected]
Website: www.kisra.org
131 Perkins Ave
DUNBAR, West Virginia 25064-1433
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
HOMEOWNERSHIP CENTER, INC.Phone: 304-636-6495
E-mail: [email protected]
Website: www.asite.com
PO Box 1579
ELKINS, West Virginia 26241-1579
- Fair Housing Pre-Purchase Education Workshops
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
FAIRMONT HOUSING AUTHORITYPhone: 304-363-0860-105
Toll-free: 800-637-7464
Fax: 304-363-3400
E-mail: [email protected]
Website: www.fmhousing.com
103 12th Street
FAIRMONT, West Virginia 26554-3684
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
TELAMON CORPORATIONPhone: 304-263-0916
Fax: 304-263-4809
E-mail: [email protected]
Website: [email protected]
891 Auto Parts Place, Suite 201
MARTINSBURG, West Virginia 25403-2358
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
CCCS OF NORTH CENTRAL WEST VIRGINIAPhone: 304-291-6819
Toll-free: 800-498-6681
Fax: 304-291-3878
E-mail: [email protected]
Website: www.criss-crosswv.org
1299 Pineview Drive, Suite 3
MORGANTOWN, West Virginia 26505-2738
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
CCCS OF THE MID-OHIO VALLEYPhone: 304-485-3141
Toll-free: 866-481-4752
Fax: 304-485-3286
E-mail: [email protected]ire.com
Website: https://www.cccsmidohiovalley.com
2715 Murdoch Ave
B4
Parkersburg, West Virginia 26101+1059
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Resolving/Preventing Mortgage Delinquency Workshops
- Reverse Mortgage Counseling
- Services for Homeless Counseling
COMMUNITY RESOURCES, INC.Phone: 304-485-9238
Toll-free: 866-585-5525
Fax: 304-485-5525
E-mail: [email protected]
Website: www.cricap.org
133 Rosemar Road Suite 101
PARKERSBURG, West Virginia 26104-7658
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
SOUTHERN APPALACHIAN LABOR SCHOOL FOUNDATION, INC.Phone: 304-779-2280
Fax: 304-442-2772
E-mail: [email protected]
Website: www.sals.info
1862 Beards Fork Rd
ROBSON, West Virginia 25173-9010
- Fair Housing Pre-Purchase Education Workshops
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
CCCS OF SOUTHERN WEST VIRGINIA - DBA CCCS OF THE PANHANDLESPhone: 800-280-5609-401
Toll-free: 800-280-5609
E-mail: [email protected]
Website: www.apprisen.com
1025 Main Street, Ste. 310
WHEELING, West Virginia 26003-2741
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling