Before contacting anyone else, call your loan servicer. A complete list of participating servicers is here. If you are behind on payments, ask to speak with someone in loss mitigation. There are alternatives to foreclosure that may be available to you. Your servicer's name and contact information is listed on the monthly mortgage statement or coupons you receive to make your payments.

Counselor Resources

For a complete list of resources for counselors assisting borrowers in need, click here. ​

State

Housing Counseling and Legal Aid Directory​​ 

​Better Business Bureau
The Better Business Bureau offers the “Reliability Report” which serves as a business report card.  Consumers are encouraged to check the report before they do business with an unfamiliar company.
http://www.bbb.org

Kentucky Attorney General
The state's Attorney General protects consumers from crimes of all types.
Consumer protection:  (888) 432-9257
Identity theft:  (800) 804-7556
http://ag.ky.gov/

Kentucky Cabinet for Health and Family Services
Food stamps, health care, Medicaid, child care assistance, child support, heating and utility assistance.
http://chfs.ky.gov

Kentucky Department of Financial Institutions
The state's Department of Financial Institutions supervises the financial services industry.

Beginning January 1, 2009, all mortgagees shall provide the "Notification to Homeowners of the Kentucky Homeownership Protection Center" document to all Kentucky borrowers, as required by KRS 286.2-020. This form is available to download by going to http://www.kfi.ky.gov/nondepository/khpc.htm.

Consumers can call to check background and license status of their loan officer, file a complaint or to report fraud.
(502) 573-3390
(800) 223-2579
http://www.kfi.ky.gov

National

U.S. Department of Agriculture-Rural Development Office
1-800-793-8861www.rurdev.usda.gov

U.S. Department of Housing and Urban Development (HUD)
https://www.hud.gov/states/kentucky/homeownership/foreclosure 

U.S. Department of Veterans Affairs (Veterans Administration)
1-800-827-1000
www.va.gov

Fannie Mae
1-800-7FANNIE (1-800-732-6643)
www.knowyouroptions.com

Freddie Mac
Information on how to buy a home and avoid foreclosure as well as financial calculators and budgeting tools.

https://myhome.freddiemac.com/blog/notable/20200402-avoiding-foreclosure-rescue-fraud​

Calculators and tools: http://www.freddiemac.com/corporate/buyown/english/calcs_tools/

Federal Trade Commission
Consumer protection, information and complaint procedures.
1-877-FTC-HELP (1-877-382-4357)
TTY: 1-866-653-4261
Main site: www.ftc.gov/
Credit repair facts: www.ftc.gov/bcp/conlin/pubs/credit/repair

National Foundation for Credit Counseling
Consumer debt advice
www.nfcc.org.

Annual Credit Reports
www.annualcreditreports.com

Equifax
Credit reports, credit fraud protection and credit dispute information.
www.equifax.com

Experian
Credit reports, credit fraud protection and credit dispute information.
www.experian.com/

TransUnion
Credit reports, credit fraud protection and credit dispute information.
www.transunion.com

Internal Revenue Service
For Individuals: 1-800-829-1040
For Businesses: 1-800-829-4933
For Hearing Impaired: 1-800-829-4059 (TDD)
Hours of Operation: Monday through Friday, 7 a.m. to 10 p.m. local time (Alaska & Hawaii follow Pacific Time)
www.irs.gov

Local

Counselors
HUD-Approved housing counselors can help you work with your servicer, with developing an improved household budget, with improving credit rating, etc.  Visit https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&searchstate=KY for the agencies in Kentucky.

Dial 2-1-1
Some areas of Kentucky have 2-1-1 service which you can call for additional services. Where available, 2-1-1 can help locate the services you need including food, utilities, medical care, toiletries, household items, furniture and security deposits for rental units.

The Salvation Army
The Salvation Army may have funding available to assist homeowners who are behind on their mortgage payments. Visit the Salvation Army Web site to find a location near you.

Churches
Contact your church to find out if they have services available. Churches will often assist parishioners in need.