I have fallen behind on my mortgage payments, but no foreclosure has been filed against me yet. When will it happen and what can I do to prevent it?

Once you fall behind on your payments, your lender may attempt to file a foreclosure at any time. Most lenders wait at least three months. It is critical that you act right away and begin taking steps to save your home.

A local housing counseling agency that may be able to help you negotiate with your lender. Below is the contact information for housing counselors in the five counties Legal Aid Society of Cleveland serves. Legal Aid cannot help you before a foreclosure case is filed.

You should never pay a company to negotiate with your lender on your behalf. These services are available for free at the agencies below.