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layout: fundamental
title: Foreclosure Guide
category: guide
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        <h3 class="text-center">Learn About Your Options</h3>
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            <h4 class="sub_title">Welcome to the Foreclosure Guide</h4>
            <p>This guide is designed to empower you with knowledge of the mortgage foreclosure process so you can do your best to prevent the loss of your home through foreclosure. This tool provides you with information about the process and guides you through the steps you must take to defend yourself. Although this guide can help you understand much of the process and the steps you need to take to defend yourself, we recommend finding a housing counselor or lawyer to personally help you and tell you more about your options. There is a link under the "Resources" menu to help you find such assistance. <strong>You do not need to pay someone for these services, as free, high quality housing counseling services are available</strong>. If you use the Resources tab, this will direct you to a credible counselor.</p>

            <h4 class="sub_title">How to Use This Guide:</h4>
            <p>Click on the "At What Stage Am I in the Foreclosure Process?" menu to understand where you are in the process. You can typically identify how far along you have come in the process by identifying and reviewing the most recent document you have received or the most recent event that has occurred. Use this link to find where you are in the process, and then click on the “Step-by-Step Guidance in the Foreclosure Process” tab to help you understand what you should do next, what documents you can expect to receive, and what documents you might need to prepare.</p>



            <!-- <p>This guide is designed to empower you with knowledge of the foreclosure process so you can do your best to prevent it. We recommend finding a housing counselor to personally help you and tell you more about your options. There is a link under the "Resources" menu to help you find a housing counselor.</p> -->

            <!-- <p>Click on the "What stage am I at in the foreclosure process?" menu to know what stage you are at based on the most recent document you have received or the event that has happened.</p> -->
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            <a class="text-center " href="#panel1">What is Foreclosure?</a>
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                <p>Foreclosure is the legal process by which a lender tries to take back the home from the homeowner to satisfy the mortgage. Foreclosure proceedings are usually initiated after the homeowner is three months behind on his or her mortgage payments.</p>
                <a class="color_link" href="faq.html">Have more questions?</a>
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        <dd class="accordion-navigation">
            <a href="#panel2" class="text-center">At What Stage Am I in the Foreclosure Process?</a>
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                <ul class="link-select no-bullet">
                    <li><a href="stage1.html">I have fallen behind on payments (Stage 1)</a></li>
                    <li><a href="stage2.html">I received a <strong>90-day notice</strong> (Stage 2)</a></li>
                    <li><a href="stage3.html">I received a <strong>Demand Letter</strong> (Stage 3)</a></li>
                    <li><a href="stage4.html">I received a <strong>Summons and Complaint</strong> documents (Stage 4)</a></li>
                    <li><a href="stage5.html">File an <strong>Answer</strong> or <strong>Notice of Appearance</strong> (Stage 5)</a></li>
                    <li><a href="stage6.html"><strong>The Settlement Conference</strong> (Stage 6)</a></li>
                    <li><a href="stage7a.html">Worked out a deal at the <strong>Settlement Conference</strong> (Stage 7A)</a></li>
                    <li><a href="stage7b.html">The <strong>Settlement Conference</strong> was unsuccessful (Stage 7B)</a></li>
                    <li><a href="stage8.html"><strong>Post Judgement</strong> (Stage 8)</a></li>
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        </dd>

        <dd class="accordion-navigation">
            <a href="#panel3" class="text-center">Step-by-Step Guidance in the Foreclosure Process</a>
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                <p><a href="qnaire.html?q=1" title="">Take Our Questionnaire</a></p>
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        <dd class="accordion-navigation ">
            <a href="#panel4" class="text-center">Resources</a>
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                <ul class="link-select no-bullet">
                    <li><a href="faq.html">Frequently Asked Questions</a></li>
                    <li><a href="http://www.consumerfinance.gov/find-a-housing-counselor/">Find a Housing Counselor</a></li>
                    <li><a href="http://www.ag.ny.gov/consumer-frauds/help-homeowners">How to avoid scams while searching for a housing counselor</a></li>
                    <li><a href="terminology.html">Important Terms</a></li>
                    <li><a href="aboutus.html">About Us</a></li>
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