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    • Helpful Resources

    This is a resource list to help people in the U.S. and Canada who are experiencing mortgage foreclosure, tax foreclosure, bankruptcy, or bad credit. This includes major nonprofit, government, and reputable private organizations, along with contact info and web links.

    United States Resources


    HUD-Approved Housing Counseling

    Homeowner’s HOPE Hotline (HOPE NOW)

    • Free foreclosure counseling and help for bad credit or at-risk homeowners.
    • Website: 995Hope.org
    • Phone: 888-995-HOPE (4673)

    Federal Housing Administration National Servicing Center

    • For FHA mortgage relief, modifications, and foreclosure help.
    • Phone: 1-877-622-8525

    U.S. Trustee Program (Bankruptcy Help)

    • Information about bankruptcy, approved counseling agencies, and debtor education.
    • Website: justice.gov/ust
    • Phone: 1-202-307-1391

    IRS Bankruptcy Information

    • For bankruptcy and tax-related questions.
    • Website: irs.gov
    • Phone: 1-800-973-0424

    Legal Aid & Foreclosure Prevention by State:

    Canada Resources


    Canadian Mortgage and Housing Corporation (CMHC)

    • Guidance for people facing foreclosure or bankruptcy.
    • Website: cmhc-schl.gc.ca

    Consolidated Credit Canada

    Credit Counselling Society (CCS)

    • Help with bankruptcy, foreclosure, and rebuilding credit.
    • Website: nomoredebts.org
    • Phone: 1-888-527-8999

    Alternative and Bad Credit Lenders

    • RBC, BMO, and other banks may offer “bad credit mortgages”; check your local bank for programs.
    • Private B lenders and mortgage brokers also offer solutions for low-credit customers.

    Nesto – Foreclosure Help

    • Step-by-step resources to save your home and legal referrals.
    • Website: nesto.ca

    Tips for Visitors

    • Contact programs soon—earlier help increases your options.
    • For state/provincial programs, search for “Homeowner Assistance Fund” (U.S.) or your province’s housing ministry (Canada).
    • Private bankruptcy attorneys and mortgage brokers can offer personalized advice if nonprofit or government options cannot resolve your case.

    This resource list is designed for clarity, direct access, and ease-of-use for anyone struggling with foreclosure, bankruptcy, or bad credit. Copy and paste freely to your browser!

    1. https://livonia.gov/326/Foreclosure-Resources
    2. https://www.occ.gov/topics/consumers-and-communities/consumer-protection/foreclosure-prevention/index-foreclosure-prevention.html
    3. https://www.usa.gov/avoid-foreclosure
    4. https://995hope.org/homeowners-renters/foreclosure-prevention/
    5. https://www.oakgov.com/community/neighborhood-housing-development/help-with-housing/eviction-foreclosure-prevention
    6. https://bestratesbc.com/help-for-foreclosure-what-can-do-now/
    7. https://www.justice.gov/ust/contact-program
    8. https://davidsklar.com/blog/how-to-get-a-mortgage-with-bad-credit-in-canada/
    9. https://www.uchcdetroit.org/foreclosure-prevention
    10. https://www.nesto.ca/real-estate/stop-saving-home-from-foreclosure/
    11. http://probono-no.org/self-help-desk-bankruptcy
    12. https://www.hoyes.com/blog/can-you-get-a-mortgage-with-bad-credit/
    13. https://www.hud.gov/topics/avoiding_foreclosure
    14. https://www.consolidatedcreditcanada.ca/booklets/avoiding-foreclosure/
    15. https://www.usa.gov/agencies/u-s-trustee-program
    16. https://www.nerdwallet.com/ca/p/article/mortgages/how-to-get-a-bad-credit-mortgage
    17. https://www.michigan.gov/consumerprotection/protect-yourself/consumer-alerts/credit/foreclosure-credit-assistance
    18. https://nomoredebts.org/debt-help/bankruptcy/bankruptcy-mortgage-foreclosure
    19. https://www.irs.gov/businesses/small-businesses-self-employed/bankruptcy-frequently-asked-questions
    20. https://mortgagecommitment.ca/bad-credit-mortgage
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