What to do if you are behind with Mortgage Payments
1. Contact your Lender and explain why you are behind with payment. Do not avoid your Lenders collection letters. If you are facing a financial hardship your Lender can work with you to avoid foreclosure. Ask if you can fill out a financial workout or discuss options to bring your mortgage current. Your Lender can help, only when they are informed of your financial hardship.

2. Set up an appointment with CCCS of Greater Greensboro. It is important to review your budget if you have fallen behind with mortgage payments. CCCS of Greater Greensboro is a HUD housing counseling agency. We will review your situation, and budget and help to explain all of your options to avoid foreclosure or future defaults. Please contact our offices at 1-888-755-2227 to schedule a free and confidential appointment or you may email us at debtdoc@familyservice-piedmont.org. Remember our professional staff is highly skilled and can offer counseling at a time that is convenient to you. ALL COUNSELING SERVICES ARE FREE OF CHARGE.

3. Stay in your Property. If you abandon your home you may not qualify for assistance.

4. If you have a VA loan, call the VA office that is closest to you or go to www.va.gov.

5. Do not be a victim to scams! Beware of people or products that sound to good to be true. They may offer you a quick solution to bring your mortgage current but it could cost you in the future. If you have any questions or concerns call CCCS of Greater Greensboro and talk to one of our counselors. Please contact our offices at 1-888-755-2227 to schedule a free and confidential appointment or you may email us at debtdoc@familyservice-piedmont.org. Remember our professional staff is highly skilled and can offer counseling at a time that is convenient to you. ALL COUNSELING SERVICES ARE FREE OF CHARGE.