West Virginia

West Virginia 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: 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.* * *

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 West Virginia! ◄ ◄

► ► 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 West Virginia

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 West Virginia

Agency Name Phone
Website
Address Languages
Consumer Credit Counseling Service of Central Ohio Phone: 800-355-2227
Web: www.apprisen.com
258 Blue Prince Rd., Suite 101
Bluefield, West Virginia 24701
– English
MMI – Clarksburg Phone: 800-747-4222
W: www.moneymanagement.org
Gore Hotel, 2nd floor 209 West Pike Street, Suite B
Clarksburg, West Virginia 26301
– English
MMI – Clarksburg Phone: 800-308-2227
Web: www.moneymanagement.org
Gore Hotel, 2nd floor 209 West Pike Street, Suite B
Clarksburg, West Virginia 26301
– English
Consumer Credit Counseling Service of Central Ohio Phone: 800-355-2227
Web: www.apprisen.com
5210 Frontier Drive
Cross Lanes, West Virginia 25313
– English
CCCS OF HUNTINGTON A DIVISION OF GOODWILL Phone: 304-525-7034
Web: www.goodwillhunting.org
1102 MEMORIAL BLVD
HUNTINGTON, West Virginia 25701
– English
MMI – Morgantown Phone: 800-308-2227
Web: www.moneymanagement.org
White Birch Towers 1299 Pineview Drive, Suite 300
Morgantown, West Virginia 26505
– English
Consumer Credit Counseling Service of the Mid-Ohio Valley, Inc. Phone: 304-485-3141
Web: www.wvcccs.org
2715 Murdoch Avenue Suite B4
Parkersburg, West Virginia 26101
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in West Virginia

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
APPRISEN – CCCS – BLUEFIELD P: 304-325-5143-1375
T: 800-355-2227
F: 304-324-0375
E: rbishop@cccswv.com
W: cccswv.com
Green Valley Business Center #101
248 Blue Prince Rd
Bluefield, WV 24701
Bluefield, West Virginia 24701-6282
– English
– French
MONEY MANAGEMENT INTERNATIONAL, INC CLARKSBURG, WV P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
209 W Pike St Ste B
Clarksburg, West Virginia 26301-2779
– ASL
– English
– Spanish
APPRISEN CCCS OF THE MIDWEST – CROSS LANES P: 304-720-3640
T: 800-281-5969
F: 304-720-3644
E: ckudlak@cccswv.com
W: www.cccswv.com
5210 Frontier Dr.
CROSS LANES, West Virginia 25313-1337
– English
HOUSING AUTHORITY OF MINGO COUNTY P: 304-475-2236
T:
F: 304-475-1450
E: belindaharness@mingohousing.com
W: www.mingohousing.com
5026 Helena Avenue
Delbarton, West Virginia 25670
– English
– Spanish
KANAWHA INSTITUTE FOR SOCIAL RESEARCH & ACTION, INC. P: 304-768-1300
T:
F: 304-768-2194
E: patricias@kisra.org
W: www.kisra.org
131 Perkins Ave
DUNBAR, West Virginia 25064-1433
– English
HOMEOWNERSHIP CENTER, INC. P: 304-636-6495-15
T:
F: 304-636-4125
E: info@hocwv.org
W: www.hocwv.org
1404 N Randoph Ave
ELKINS, West Virginia 26241-9667
– English
– Spanish
THE FAIRMONT-MORGANTOWN HOUSING AUTHORITY P: 304-363-0860-105
T: 800-637-7464
F: 304-363-3400
E: ccrouso@fmhousing.com
W: www.fmhousing.com
103 12th Street
FAIRMONT, West Virginia 26554-3684
– ASL
– English
CCCS OF HUNTINGTON, A DIVISION OF GOODWILL INDUSTRIES P: 304-522-4321
T: 888-534-4387
F: 304-525-7038
E: aroach@goodwillhunting.org
W: www.goodwillhunting.org
1102 Memorial Blvd W
Huntington, West Virginia 25701-4540
– English
TELAMON CORPORATION P: 304-263-0916
T:
F: 304-263-5091
E: apuller@telamon.org
W: www.telamon.org
67 Aikens Center
MARTINSBURG, West Virginia 25404-5708
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL, INC MORGANTOWN, WV P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
1299 Pineview Drive Suite 300 White Birch Towers
Morgantown, West Virginia 26505
– English
– Spanish
CCCS OF THE MID-OHIO VALLEY, INC. P: 304-485-3141
T: 866-481-4752
F: 304-485-3286
E: jjacksoncccs@wirefire.com
W: www.wvcccs.org
2715 Murdoch Ave
B4
Parkersburg, West Virginia 26101-1059
– English
SOUTHERN APPALACHIAN LABOR SCHOOL FOUNDATION, INC. P: 304-442-3328
T:
F: 304-442-3285
E: dspurlock@citynet.net
W: www.sals.info
1862 Beards Fork Rd
ROBSON, West Virginia 25173-9010
– English
– Spanish

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