Know your rights and learn what you can do to help yourself
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Foreclosure
Foreclosure Information and Assistance
Housing and Economic Recovery Act of 2008: Questions & Answers
(Separate Website)
A new law has been passed so that the Federal Housing Administration (FHA), can help about 400,000 borrowers in danger of losing their homes refinance into more affordable government-insured mortgages. This website answers questions about this new law.
Read this in: Español By: U.S. Department of Housing and Urban Development (HUD)
Q & A: Home Foreclosure and Debt Cancellation
(Separate Website)
What is cancellation of debt? Is cancellation of debt income always taxable? Are there tax issues if I lost my home by foreclosure? Answers to these questions and more in this web site.
By: Internal Revenue Service (IRS)
Relief Options for FHA Loans
(Separate Website)
If you are a homeowner falling behind on a FHA Loan and your home is in a federal disaster area OR you or your spouse is active military, this document has important advice for you.
By: U.S. Department of Housing and Urban Development (HUD)
Worried About Foreclosure?
(Separate Website)
If you feel like you may be in danger of facing foreclosure, the time to call 888-995-HOPE is now. Homeowner's HOPE, a counseling service provided by the Homeownership Preservation Foundation, can work with you to find a solution.
By: HomeOwnership Preservation Foundation
Foreclosure Legal Resources
(Separate Website)
This website has many helpful resources if you are getting behind in your mortage payments and possibly facing foreclosure.
By: Alabama State Bar
HOPE for Homeowners
(Separate Website)
The HOPE for Homeowners program will refinance mortgages for borrowers who are having difficulty making their payments, but can afford a new loan insured by HUD's Federal Housing Administration (FHA). The program begins October 1, 2008 and ends September 30, 2011. Read this in: Español By: U.S. Department of Housing and Urban Development (HUD)
Making Home Affordable
(Separate Website)
If you are in trouble with your mortgage, can you get your loan refinanced? Can you get it modified? New programs are available to help - read the information on this website to get started. Read this in: Español By: Making Home Affordable.gov
Tenants: Your Rights When Your Landlord is Foreclosed On
Are you renting an apartment or home that's in foreclosure? A new law, in effect as of May 20, 2009, may protect you. Read this notice for more information.
By: Legal Services Alabama
Sample Letter for Tenant to Send to New Owner Are you renting an apartment or home that's in foreclosure? A new law, in effect as of May 20, 2009, may protect you. You can fill out and use this sample letter to tell the new owner about this law.
(Note that this is a Microsoft Word document - You must have Microsoft Word on your computer to open this document.)
By: Legal Services Alabama
Facts for Consumers: Foreclosure Rescue Scams
(Separate Website)
Fraudulent foreclosure "rescue" professionals use half truths and outright lies to sell services that promise relief and then fail to deliver. Read this for information on how the scams work, where to find legitimate help and red flags that will alert you to the businesses to avoid. Read this in: Español By: U.S. Federal Trade Commission
Foreclosure Rescue Scams
(Separate Website)
The possibility of losing your home to foreclosure can be terrifying. Many so-called foreclosure rescue or assistance companies claim they can help you save your home. Unfortunately, once most of these foreclosure fraudsters take your money, you lose your home, too. Read this information for tips on how to avoid these scam artists.
By: U.S. Federal Trade Commission
Don't Get Locked Out of Your Home By a Bankruptcy Scam Operator
(Separate Website)
Are you having trouble making your home mortgage payments? Are you facing foreclosure on your home? Get all the facts before you pay someone to help you work out your mortgage problems.
By: US Bankruptcy Trustee Program
Don't Miss Out!!! Take Advantage of All the Benefits Available to You
Should you be getting child support? Do you qualify for food stamps? Can your children get free or low-cost health insurance? Can you get a lower telephone bill? Do you need help filing your income taxes? Read this for information about 10 often-overlooked benefits available to many low-income people.
By: Legal Services Alabama
Save Those Papers!
In order to protect your rights, you may need to use papers others have given you. This fact sheet tells you what papers you should save.
By: Legal Services Alabama
Leases
This article tells you what to look for when reading a lease. Unfortunately, most landlords use leases that don't give tenants many rights. Even if you have little choice, you should know where you stand.
By: Legal Services Alabama
Evictions
If you get eviction papers from the Sheriff, you only have a short time to act. If you do not answer an eviction action quickly, you will end up being put out on the street. This article tells you what you can do to get your day in court and how to put on your best case.
By: Legal Services Alabama
Repairs in Rental Housing
This article tells you what repairs your landlord may have to make. It also tells you what you can do if your landlord does not make those repairs.
By: Legal Services Alabama
Ending Your Lease and Moving Out
Sometimes, you have to move before your lease has ended. When you do, you risk having your landlord sue you for rent for the whole lease term. This article tells you steps you can take to reduce your risk.
By: Legal Services Alabama
Landlord's Lease Termination
Sometimes, landlords want to make you move. This article tells you when your landlord can end your lease. It also tells you what you can do about it.
By: Legal Services Alabama
A Decent Place to Live: Tenant Rights in Alabama Alabama's Landlord Tenant Law spells out what makes a rental dwelling livable and lists the basic rights and duties of both tenants and landlords. This pamphlet outlines the major points covered by the law.
(You must have Adobe Acrobat Reader on your computer to open this page. Scroll down to the bottom of the page and click on the Get Acrobat Reader icon to download.)
By: Legal Services Alabama
Adobe Acrobat Reader required. (If you are using a screen reader that does not support PDF format, copy the PDF link, and use the Access Adobe online form to convert this file to HMTL text.)
AlabamaLegalHelp.org is a project of Legal Services Alabama and the Legal Services Corporation. It is produced in cooperation with Pro Bono Net and legal services organizations, bar associations, community organizations and government agencies throughout Alabama and the United States.
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