Alaska foreclosure laws: how the process works and how long it takes

In Alaska, a home can be sold without going to court. The lender or trustee sets the sale date, so the total depends on its schedule and any postponements.

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By Ross Kilburn
Law checked Mar 10, 2026. Deadlines rechecked Nov 4, 2026. HOA rules rechecked Oct 28, 2026. · See the 11 sources · How we check our guides
Data from

Alaska at a glance

Does an Alaska foreclosure go through a court?
Usually not. The home is sold after notices the law requires.
How long does it take?
199 days on average for foreclosures that finished in the second quarter of 2026, according to ATTOM.
How far behind can you get before it starts?
Usually more than four months of missed payments.
Can you catch up to stop it?
Yes, until the sale, with conditions. Deadlines by kind of foreclosure
Can you get the house back after the sale?
Only in some cases.
Can the lender come after you for what the sale doesn't cover?
In some cases. State law limits it.
Is there mediation?
No statewide program identified in our records.
How many Alaska homeowners are 90+ days behind?
The share of borrowers with a mortgage who were 90+ days behind was 0.8% in the first quarter of 2025, lower than the U.S. (1.2%). How Alaska compares

What "without a court" means for you in Alaska

Not Alaska

Through a court

The lender files a lawsuit, and a judge has to approve the sale. You can answer in court, and no law sets how fast a case goes.

Alaska

Without a court

The lender or a trustee sends the notices the law requires and sells the home at a public sale. There's no lawsuit unless you file one, so the dates in each notice matter most.

How foreclosure works in Alaska, step by step

The 6 steps of a foreclosure in Alaska, and the time the law gives each

Each step in order, with the time the law gives it. 5 of the 6 have a time set in law; "No set time" means the lender sets the pace.

  1. 120+ days behind You fall behind on payments
  2. At least 90 days before the sale You get a notice of default
  3. At least 30 days before the sale The sale is advertised
  4. No set time Catching up before the sale
  5. At least 90 days after the notice of default The home is sold at auction
  6. Up to 10 days You may be asked to leave
Source: Alaska law and federal rules, as cited at each step; American Default Research state law file, checked Mar 10, 2026 American Default Research · americandefault.org/help/laws/alaska/
Each step in detail, with the law behind it

  1. Step 1

    You fall behind on payments

    Federal rules give you time to apply for help before anything is filed. Source 12 CFR 1024.41

  2. Step 2

    You get a notice of default

    Recorded at least 30 days after the default and at least 90 days before the sale; mailed within 10 days after recording

    The trustee records a Notice of Default (NOD) in the recording district where the property is located and mails a copy to you by certified mail within 10 days after recording. Source AS 34.20.070(b), (c)

  3. Step 3

    The sale is advertised

    Posted at least 30 days before the sale; published once/week for 4 successive weeks; online at least 45 days before the sale; sale at least 90 days after NOD recording

    The trustee gives public notice of the sale the way the law requires for a court execution sale: posting the notice in three public places at least 30 days before the sale, publishing it once a week for 4 successive weeks in a newspaper of general circulation published nearest to the place of sale, and publishing it on a qualifying website starting at least 45 days before the sale. Source AS 34.20.070(b)

  4. Step 4

    Catching up before the sale

    Any time before the sale date in the notice of default or a postponed sale date (payment defaults)

    If the default is missed payments, you can cure it and stop the sale at any time before the sale date stated in the notice of default (or a postponed sale date) by paying the amount then in default (not including principal that is due only because of the default) plus the attorney and other foreclosure fees and costs actually incurred. Source AS 34.20.070 et seq.

  5. Step 5

    The home is sold at auction

    On the advertised sale date; at least 90 days after NOD recording

    The trustee holds a public auction at the time, date, and place specified in the Notice of Sale. Source AS 34.20.080

  6. Step 6

    You may be asked to leave

    Deed delivered after the sale (the trustee may hold it up to 10 days); if an eviction case is filed, the hearing is set no more than 15 days after filing unless the court orders otherwise

    The trustee executes and delivers a deed to the purchaser, transferring your title. Source AS 34.20.080(b), (g), (i)

Deadlines for stopping a foreclosure in Alaska

Catching up means paying what you've missed, plus late fees and the trustee's and attorney's costs, but not the whole loan. How late you can do it depends on the kind of foreclosure.

Deadlines for catching up, after the sale and other steps in Alaska
Kind of foreclosureDeadlineWhat starts the clock
Without a court Before the sale date Counts from the sale date in the notice of default, or the new date if the sale is postponed. Covers missed payments only, and the trustee may refuse if you already cured two earlier recorded notices. Source AS 34.20.070(b)
Through a court Your loan papers decide We found no catch-up deadline in the law for a court foreclosure, so your loan papers decide. Source AS 34.20.070(b)
After the sale
Without a court Your loan papers decide The law gives no right to buy the home back after a trustee sale unless your deed of trust grants one. Check your loan papers. Source AS 34.20.090(a)
Through a court Up to 12 months after the court confirms the sale You can also buy it back any time before the court confirms the sale. After that, the 12 months count from the court's confirmation order. Source AS 09.45.190
Other deadlines and rules
Without a courtAny home At least 90 days after the notice of default is recorded The trustee sale can't happen sooner than that. The trustee also has to wait at least 30 days after your default before recording the notice. Source AS 34.20.070(b)
Without a courtAny home Within 10 days after the notice of default is recorded The trustee has to mail you a copy of the notice by certified mail by then. This is the trustee's mailing duty, not your response deadline. Source AS 34.20.070(c)
Without a courtAny home At least 30 days before the trustee sale The trustee has to post the sale notice in three public places by then. This is a trustee notice period, not your last day to act. Source AS 34.20.080(a)(2)
Without a courtAny home At least 45 days before the trustee sale The trustee has to start the sale notice on an Internet website by then. The website notice also has to run across the four weekly newspaper notices. Source AS 34.20.080(a)(2)
Without a courtSale the trustee rescheduled At least 30 days before the rescheduled sale The trustee has to send and publish a new notice by then. This applies when the trustee rescinds a sale and reschedules it while the loan is still in default. Source AS 34.20.080(h)
Without a courtSale the trustee rescinded At least 45 days after the rescinded sale The new sale date can't be sooner than that. This applies only when the trustee rescinds a completed sale and the loan is still in default. Source AS 34.20.080(h)
Through a courtAny home Within 20 days after you are served Serve your answer to the foreclosure lawsuit by then. A different period can apply if the court orders other service under Rule 4(e). Source Alaska Civil Rule 12(a)
Through a courtServed by publication At least 30 days after the last publication of the summons The notice has to give you at least that long to answer. The court may set a longer time, so read the notice for the answer period. Source Alaska Civil Rule 4(e)(5)
Through a courtAny home At least 30 days before the sale The sheriff has to post the sale notice in three public places by then. A court foreclosure sale follows the execution sale notice rules. Source AS 09.45.180
Through a courtAny home At least 45 days before the sale The online sale notice has to start on an Internet website by then. A court foreclosure sale follows the execution sale notice rules. Source AS 09.45.180
Any foreclosureAny home At least 2 days before the eviction hearing The eviction summons has to be served on you by then. This is a minimum for service, not the last day for your answer. Source Alaska Civil Rule 85(a)(2)

Not sure which kind yours is? A court summons or lawsuit means a court foreclosure. A notice of default or notice of sale with no lawsuit means one without a court.

Asking for help: For covered loans and servicers, receiving a complete application more than 37 days before a scheduled sale can require the mortgage company to wait while it evaluates it. Prior applications and other exceptions matter. Ask the company to confirm receipt and what is still missing; preparing a package here does not pause a sale.

How far behind can you get before an Alaska foreclosure starts?

More than 120 days, about four months of missed payments, for most loans on the home you live in. The federal rule has exceptions, such as a reverse mortgage, or a sale or transfer of the home without the lender's OK.

Your mortgage company generally has to try to reach you by day 36 and send a letter about help options by day 45.

An Alaska foreclosure usually can't start until you're more than 120 days behind

Days behind on your mortgage, against the federal waiting period before filing a foreclosure case or starting a nonjudicial foreclosure

Source: 12 CFR 1024.41; AS 34.20.070 et seq. American Default Research · americandefault.org/help/laws/alaska/

What you can do at each step of an Alaska foreclosure

What tends to go wrong for people at each point, and the step that answers it.

What you can do at each step of a foreclosure in Alaska
WhenWhat goes wrongWhat you can do
You've missed a payment You're told to wait, or passed from person to person, while the clock runs. Ask your mortgage company (the servicer, the company on your statement) what help it offers, in writing, and keep a copy of everything you send and get. A complete application sent well before any sale date has to be reviewed before the sale can go ahead Source 12 CFR §1024.41. How a loan modification works.
The first notice arrives Foreclosure keeps moving while your application is still being reviewed. Every notice has a date on it, and that date is what you plan around.
A sale date is set The sale is days or weeks away. A HUD-approved housing counselor or legal aid can help right away. Both are free. Paying what you're behind can stop the sale only where Alaska's catch-up rule allows it. Filing for bankruptcy usually pauses a sale while the automatic stay lasts, though the stay has exceptions and can be short for someone with a recent dismissed case Source 11 U.S.C. §362.
After the sale Money left over sits unclaimed, or you're told to leave at once. Whether you can buy the home back after the sale depends on how it was sold. The rule is below. If the sale brought in more than was owed, you may be able to claim what is left after costs and other liens. A former owner can generally be removed only through the process state law sets.

Can your HOA or condo association foreclose in Alaska?

If you fall behind on association dues, the association can put a lien on your home. If it forecloses for unpaid dues, these rules apply, not the mortgage deadlines.

Where a row says “Not found in the law,” the sections we read don't address that point. It doesn't mean the answer is no.

Can it foreclose, and how?

Yes. Condo and planned community associations usually foreclose through a court. A co-op with real estate units may also sell without going to court under the Common Interest Ownership Act. Older condo liens go through a court case.

Read the law's words
“…in a condominium or planned community, the lien of the association must be foreclosed as a lien is foreclosed under AS 34.35.005;…” akleg.gov

Is there a minimum debt or a waiting period?

Not found in the law

What notices come first?

For a co-op sale without court, the association has to send reasonable written notice and wait at least five weeks. A court foreclosure follows the court's own process.

Read the law's words
“…the association shall give reasonable written notice to the unit owner and a lessee of the unit owner…” akleg.gov

Do you have a right to a payment plan?

Not found in the law

Can the HOA's claim go ahead of the mortgage?

Under that act, up to six months of common expense assessments can come ahead of a first security interest (a lender's first claim on the home). An older condo lien under the Horizontal Property Regimes Act stays behind recorded mortgages. Older communities may have exceptions in their declaration.

Read the law's words
“…during the six months immediately preceding institution of an action to enforce the lien…” akleg.gov

What protects you?

Alaska's homestead exemption doesn't apply to a common interest association's lien. If you're in a co-op, you may cure the default (catch up) before a sale without court.

Read the law's words
“A lien under this section is not subject to the provisions of AS 09.38.010.…” akleg.gov

Can you buy the home back after the sale?

After a court judgment foreclosing a real property lien, you may buy the home back under the rules for execution sales (court-ordered sales to collect a debt).

Read the law's words
“Property sold upon a judgment of foreclosure may be redeemed in the manner and with the effect as real property sold on an execution…” akleg.gov

Source Alaska law

Who these rules cover: The Common Interest Ownership Act covers condos, planned communities and co-ops, with exceptions for some older and small communities. The Horizontal Property Regimes Act also addresses older condos.

Protections in Alaska law

Open one to read the rule in the law's own words.

Catching up after the loan is called due (reinstatement) State law

Before the sale date stated in the notice of default (or a postponed sale date). The notice of default must be recorded at least 30 days after the default and at least 90 days before the sale. Source AS 34.20.070(b)

Alaska HUD-Approved Housing Counseling Program

Free foreclosure prevention counseling through HUD-approved agencies; services include loss mitigation assistance, servicer negotiation support, and legal referrals — critical in Alaska where geographic barriers can delay in-person access to services More on Alaska HUD-Approved Housing Counseling.

Alaska Legal Services Corporation (ALSC) Program

Free civil legal assistance for low-income Alaskans facing foreclosure; provides representation to challenge trustee's sale procedures, review CFPB compliance, and defend against improper foreclosure practices. ALSC serves all of Alaska including remote and road-inaccessible communities through regional offices and teleconferencing. More on Alaska Legal Services Corporation (ALSC).

Alaska Housing Finance Corporation (AHFC) Program

State housing finance authority providing homeownership programs, mortgage assistance, weatherization, and counseling referrals; administers other homeownership preservation programs; the state's Homeowner Assistance Fund (HAF) is closed to new applications. AHFC is the largest source of housing assistance in Alaska. More on Alaska Housing Finance Corporation (AHFC).

How Alaska compares

Alaska's share of borrowers with a mortgage who are 90+ days behind is under half its 2012 peak

Share of Alaska borrowers with a mortgage who have one 90+ days past due, quarterly, Q1 2005 to Q1 2025

0% 1% 2% 3% U.S. 1.2% Q1 2005Q3 2007Q1 2010Q3 2012Q1 2015Q3 2017Q1 2020Q3 2022Q1 2025 Q1 2025 0.8% 0% 1% 2% 3% U.S. 1.2% Q1 2005Q1 2010Q1 2015Q1 2020Q1 2025 Q1 2025 0.8%
Source: Federal Reserve Bank of Philadelphia, Consumer Credit Explorer; data sourced from Federal Reserve Bank of New York Consumer Credit Panel / Equifax. Q1 2025 American Default Research · americandefault.org/help/laws/alaska/

Alaska is tied for 38th place for the share of mortgages 90+ days behind, of the 50 states and D.C.

Share of borrowers with a mortgage who have one 90+ days past due, by state, Q1 2025. Dashed line: the U.S.

Louisiana: 2.5%Mississippi: 2.1%Nevada: 1.6%Texas: 1.6%West Virginia: 1.6%Alabama: 1.5%Florida: 1.5%Georgia: 1.5%New York: 1.5%Oklahoma: 1.5%South Carolina: 1.5%D.C.: 1.4%New Mexico: 1.4%Arkansas: 1.3%Connecticut: 1.3%Delaware: 1.3%Kentucky: 1.3%Maryland: 1.3%Pennsylvania: 1.3%Illinois: 1.2%Indiana: 1.2%New Jersey: 1.2%Arizona: 1.1%Missouri: 1.1%North Carolina: 1.1%Ohio: 1.1%Rhode Island: 1.1%Kansas: 1.0%Michigan: 1.0%Tennessee: 1.0%California: 0.9%Hawaii: 0.9%Iowa: 0.9%Maine: 0.9%South Dakota: 0.9%Virginia: 0.9%Vermont: 0.9%Alaska: 0.8%Colorado: 0.8%Massachusetts: 0.8%Minnesota: 0.8%Montana: 0.8%North Dakota: 0.8%Nebraska: 0.8%Oregon: 0.8%Idaho: 0.7%New Hampshire: 0.7%Washington: 0.7%Wyoming: 0.7%Utah: 0.6%Wisconsin: 0.6% U.S. 1.2% Alaska 0.8% Highest Lowest Louisiana: 2.5%Mississippi: 2.1%Nevada: 1.6%Texas: 1.6%West Virginia: 1.6%Alabama: 1.5%Florida: 1.5%Georgia: 1.5%New York: 1.5%Oklahoma: 1.5%South Carolina: 1.5%D.C.: 1.4%New Mexico: 1.4%Arkansas: 1.3%Connecticut: 1.3%Delaware: 1.3%Kentucky: 1.3%Maryland: 1.3%Pennsylvania: 1.3%Illinois: 1.2%Indiana: 1.2%New Jersey: 1.2%Arizona: 1.1%Missouri: 1.1%North Carolina: 1.1%Ohio: 1.1%Rhode Island: 1.1%Kansas: 1.0%Michigan: 1.0%Tennessee: 1.0%California: 0.9%Hawaii: 0.9%Iowa: 0.9%Maine: 0.9%South Dakota: 0.9%Virginia: 0.9%Vermont: 0.9%Alaska: 0.8%Colorado: 0.8%Massachusetts: 0.8%Minnesota: 0.8%Montana: 0.8%North Dakota: 0.8%Nebraska: 0.8%Oregon: 0.8%Idaho: 0.7%New Hampshire: 0.7%Washington: 0.7%Wyoming: 0.7%Utah: 0.6%Wisconsin: 0.6% U.S. 1.2% Alaska 0.8% Highest Lowest
Source: Federal Reserve Bank of Philadelphia, Consumer Credit Explorer; data sourced from NY Fed Consumer Credit Panel / Equifax. Q1 2025 American Default Research · americandefault.org/help/laws/alaska/
Alaska and the states nearest it in rank: mortgages 90+ days behind and State Distress Index rank
State90+ days behind, Q1 2025Distress rank (score)
Iowa 0.9% 40th (22)
Maine 0.9% 43rd (16)
Hawaii 0.9% tied for 38th (24)
Alaska 0.8% 41st (20)
Utah 0.6% 42nd (18)

The share counts people with a mortgage on their credit report, not loans or dollars. Ranks are of 51 (the 50 states and D.C.); 1st is the most distressed. Alaska's full distress profile and county scores.

Questions about foreclosure in Alaska

How long does foreclosure take in Alaska?

In Alaska, foreclosures that finished in the second quarter of 2026 took an average of 199 days from the start of the foreclosure process to completion, according to ATTOM. The lender or trustee sets the sale date, so the total depends on its schedule and any postponements. Before any of it starts, your mortgage company usually has to wait until you're more than four months behind. Each step and its deadline.

How many months behind before foreclosure starts in Alaska?

Usually more than four months of missed payments. A federal rule keeps your mortgage company from filing before then on most loans on the home you live in, with a few exceptions, such as a sale of the home without the lender's OK. Some state notices that are only mailed to you can come during that wait.

Source 12 CFR §1024.41(f)

Is Alaska a judicial foreclosure state?

No. Alaska has two foreclosure tracks: (1) non-judicial trustee's sale under AS 34.20.070 et seq., the standard and most common path for residential foreclosures using deeds of trust; and (2) judicial foreclosure under AS 09.45.170 et seq., available for mortgages (which lack a power of sale) and rarely used for deeds of trust because it is slower and more expensive. Deeds of trust are the dominant security instrument for residential lending in Alaska.

Can I stop foreclosure once it starts in Alaska?

Often there are still ways to try, though none is guaranteed. You can catch up on what you owe, where Alaska's catch-up rule allows it. You can apply for a loan modification or a pause on payments; send the complete application more than 37 days before any sale date, so the sale has to wait for an answer. You can file for bankruptcy, or sell, including a short sale if your lender approves.

What is the redemption period for a foreclosure in Alaska?

Alaska's rule: no post-sale redemption after a non-judicial trustee's sale unless the deed of trust grants one. For judicial foreclosure only, you can redeem before the court confirms the sale or within 12 months after the order confirming it (AS 09.45.190; AS 09.35.250).

Source AS 34.20.090(a)

Can bankruptcy stop a foreclosure in Alaska?

It usually pauses one. Filing creates an automatic stay that stops most collection, a foreclosure sale included, while it lasts. The stay has exceptions, and for someone who had a case dismissed in the past year it can last only 30 days or not start at all. A Chapter 13 plan can let you catch up on missed payments over three to five years.

Source 11 U.S.C. §362(c)(3)–(4)

Can the lender come after me for the leftover balance in Alaska?

In some cases. Alaska limits deficiency judgments. AS 34.20.100 bars a deficiency judgment after a trustee's sale under a deed of trust. The text does not limit this to homes, owner-occupied homes, a number of units or purchase-money loans, so a refinance is covered the same way as a purchase loan. It does not reach a court foreclosure: AS 09.45.170 and 09.45.180 let the court decide personal liability and let a deficiency be enforced by execution. Ask an Alaska attorney how this applies to your loan. AS 34.20.100 leaves no deficiency to credit after a trustee's sale. After a court foreclosure, AS 09.45.180 says a deficiency between the judgment and the sale price may be enforced by execution; we found no fair market value credit in the statute text and did not check case law.

What is the homestead exemption in Alaska?

As Alaska law sets it: $72,900. Protects up to $72,900 of equity in your primary residence from judgment creditors. Does not stop mortgage or deed of trust foreclosure. You claim the exemption if a creditor levies on your home: an objection that seized property is exempt must be filed with the court clerk within 15 days after the levy, and missing that deadline may be treated as giving up the exemption. It protects equity from judgment creditors, bankruptcy trustees, and other forced sales, but provides no protection against your mortgage lender foreclosing. Given Alaska's high cost of living and property values, especially in Anchorage and Juneau, the exemption may cover a smaller percentage of home equity than in lower-cost states.

What if I have an FHA, VA, or USDA loan in Alaska?

Government-backed loans have their own rules on top of Alaska law. FHA requires a meeting or reasonable efforts to arrange one in covered defaults. Current rules allow approved remote methods; exceptions and timing requirements apply. VA and USDA set their own help options; the forbearance guide and loan modification guide explain each program's options.

How long do I have to move out after a foreclosure sale in Alaska?

After the trustee executes the deed, the purchaser is entitled to possession and may file a forcible entry and detainer action (AS 09.45.060 et seq.) to obtain a writ of possession. The federal Protecting Tenants at Foreclosure Act provides 90-day notice to bona fide tenants. A former owner-occupant who does not leave can face an eviction case; the purchaser may not enter by force.

What happens to tenants if my Alaska home is foreclosed?

Under the federal Protecting Tenants at Foreclosure Act, bona fide tenants get at least 90 days' notice before eviction after a foreclosure, and tenants with leases can generally stay until the lease ends; if the buyer will live in the home, the lease can be ended on 90 days' notice. Alaska also has tenant protections under the Uniform Residential Landlord and Tenant Act (AS 34.03), which governs lease terms, eviction procedures, and tenant rights. Tenants in foreclosed properties should be aware of both federal and state protections.

Can I claim surplus funds after a foreclosure sale in Alaska?

Possibly. If a foreclosure sale brings in more than is owed, the extra is called surplus. The costs of the sale, the debt being foreclosed and other liens on the home, such as a second mortgage, are generally paid first. In Alaska: After the lender is paid the full amount owed under the deed of trust, remaining cash from the trustee's sale goes to holders of recorded subordinate interests (such as junior liens) in priority order, then to the borrower if still the owner at the time of the sale, or otherwise to the borrower's successor whose interest appears of record. Sale proceeds must be held in a trust account until they are paid out. The court, county clerk or trustee who handled the sale can tell you whether any surplus is being held.

Is the Homeowner Assistance Fund still available in Alaska?

Generally, no. HAF programs, including the Alaska HAF / Alaska Housing Assistance Program, couldn't commit new money after September 30, 2026 (Treasury). If the program approved you before then, ask it about payments still being processed.

Can I do a short sale to avoid foreclosure in Alaska?

Possibly, with your lender's approval. In Alaska, a deficiency waiver (a release of the remaining balance) can be negotiated as part of a short sale approval. Short sales require servicer approval. AS 34.20.100 addresses a deficiency after a sale by a trustee under a deed of trust; it does not mention a short sale, so negotiate a deficiency waiver in writing.

Foreclosure laws in another state

The process and the deadlines change at every state line.

Protect yourself from scams

The FTC and CFPB describe these warning signs and the rules behind them:

  1. Upfront fees for promised relief are a warning sign. Under FTC mortgage-assistance rules, most companies that sell mortgage help cannot charge until a homeowner accepts a written offer from the mortgage company or lender. A separate FTC rule covers debt-relief companies that sell by phone and ties fees to a completed debt arrangement. It bars a fee until at least one debt has been settled or changed, the customer agrees to the arrangement, and the customer has made a payment under it. The FTC describes a narrow exception for lawyers who give help as part of the practice of law and are licensed in the state where the client or dwelling is. The lawyer follows that state's rules for attorneys, and advance fees are placed in a client trust account before services begin under state trust-account rules.
  2. HUD-approved foreclosure-prevention counseling is free. HUD’s national counselor line is 800-569-4287. The CFPB counselor finder lists agencies and their services. If an organization charges for help described as free HUD counseling, the CFPB finder can verify the agency and its listed services before any payment.
  3. A request to sign over a deed is a warning sign. The CFPB identifies title-transfer schemes among foreclosure-relief scams. Signing over title can mean losing ownership of the home; a lawyer can explain what a proposed document would do.
  4. Foreclosure protections depend on timing and the loan. Regulation X generally bars the first foreclosure notice or filing on a principal-residence loan until the borrower is more than 120 days behind, subject to exceptions. A complete assistance application can delay some foreclosure steps, but that depends on when it arrives; it does not necessarily stop every step. The CFPB warns about promises to “save” a home.

Fraud reports: CFPB · FTC · state attorney general offices.

Free help in Alaska

  • A HUD-approved housing counselor works at a nonprofit agency the U.S. Department of Housing and Urban Development has approved. Foreclosure counseling from one is free, and a counselor can help you talk to your mortgage company. HUD's line is 800-569-4287.
  • Legal aid offices give free legal help to people with low incomes, including answering a foreclosure case. Each office serves set counties; find yours:
  • A lawyer referral: the Alaska Bar Association Lawyer Referral Service can point you to a foreclosure lawyer: 907-272-0352 1-800-770-9999 (- ).
  • A complaint about your mortgage company can go to the federal Consumer Financial Protection Bureau.

Listings come from the U.S. Department of Housing and Urban Development Housing Counselor API and the Legal Services Corporation grantee list, as of Nov 4, 2026. American Default Research does not endorse or rank any provider. Credit counselors and other kinds of free help are in our help directory.

Sources and method

A summary of foreclosure law and practice in Alaska, read from its laws and the federal servicing rules and checked Mar 10, 2026. It isn't legal advice: your mortgage sets specific terms, and courts and counties vary. For your situation, talk to a HUD-approved counselor, legal aid or a lawyer.

We write with assistance from AI tools. Figures come from the data and sources named on this page.