Published On: August 7, 2014
The Attorney General’s office has a wide range of statewide assistance programs funded through the national mortgage settlement that could help those having problems paying their mortgage.
The other day a caller said “I used a document preparer or bankruptcy petition preparer. Certainly they have obligations to keep my social security number confidential?” Unfortunately I had to say “Oh how wrong you are.”
Although the economy has come a long way with a significant downturn of foreclosures in our state over the past couple of years, there are still a number of people that are in hardship situations as a residual to the crash. As real estate professionals, we come across many situations when dealing with the public. I found this information to be a good resource to find mortgage modification programs. More information can be found at the Attorney General’s web site.
The Attorney General’s office has a wide range of statewide assistance programs funded through the national mortgage settlement that could benefit someone facing challenges to pay their mortgage. They include:
• Zero interest, forgivable loans from AZ Mortgage Relief Fund to help with past due payments as a result of a hardship, principal reduction or refinance when a loan is going to become unaffordable due to a hardship or an interest rate increase.
• Foreclosure prevention and financial literacy counseling by HUD-approved housing counselors
• Free legal help with mortgage related issues for people at risk of or impacted by foreclosure
• Job training and employment services for people who lost their home or were evicted due to foreclosure
• Funds for veterans with service connected disabilities who can’t afford to make accessibility improvements and maintain their mortgage payment. This feature is coming in August 2014. CLICK
Note from Diane: Be very careful about the con artists trying to separate you from your hard earned money. These folks may promise to contact your lender, if only you pay a mere $5,000 for their “experienced services”. Does that mean that every company or attorney offering to help is a con artist – no. But, it does mean there are several out there and it is difficult to determine who is legitimate and who is not. Do you own homework first. Ask for references.
We have several videos on this site. Below are some samples:
- “Suggestions on How to Hire an Attorney”
- “What are the Lender’s Foreclosure Rights in Arizona?”
- “Should I keep my home or let it go into foreclosure?”
About the Author: Diane Drain
Diane is a well respected Arizona bankruptcy and foreclosure attorney. As a retired law professor, she believes in offering everyone, not just her clients, advice about bankruptcy and Arizona foreclosure laws. Diane is also a mentor to hundreds of Arizona attorneys.
*Important Note from Diane: Everything on this web site is offered for educational purposes only and not intended to provide legal advice, nor create an attorney client relationship between you, me, or the author of any article. Information in this web site should not be used as a substitute for competent legal advice from an attorney familiar with your personal circumstances and licensed to practice law in your state. Make sure to check out their reviews.*
“You folks are the BEST OF THE BEST in Arizona.” M.H.
You and Jay are the best attorneys I have ever had or needed and thank God for the Honorable Robert Gottsfield in recommending you folks – I would have never made it through the entire process without you and Jay and God Bless you both always and stay in touch as well. You folks are the BEST OF THE BEST in Arizona.
“My only regret is that I didn’t find Diane sooner.” K.H.
I can’t say enough good things about Diane. The way she handled my not typical circumstances was amazing. I was very nervous to start the bankruptcy process but Diane just has a very comforting way of explaining the whole process. My only regret is that I didn’t find Diane sooner. If you find yourself in a financial situation that you can’t correct on your own, please Call Diane Drain as soon as possible.
“Filing for bankruptcy can be a stressful life event” R.A.
Filing for bankruptcy can be a stressful life event, and selecting the right attorney can add to this stress. Diane and Jay were a pleasure to work with, and it is obvious that they are passionate about helping people get their life back on track. I would highly recommend them if you need a bankruptcy attorney.
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