DESCRIPTION: Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer. MORE INFORMATION Free advice program for homeowners that are having difficulties making their mortgage payment. * Provides information and options about the foreclosure process * Helps submit a mortgage modification request to the lender * Helps understand what options you many have to remain in your home