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

Your mortgage company has to sue you in court before it can sell your Ohio home. When you're served, you have 28 days to answer.

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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 20 sources · How we check our guides
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Ohio at a glance

Does an Ohio foreclosure go through a court?
Yes: every home foreclosure in Ohio is a lawsuit in the county Court of Common Pleas.
How long does it take?
No Ohio law sets a length, so the sale waits on the court's schedule.
How far behind can you get before it starts?
Usually more than 120 days, which is about four months of missed payments.
How long do you have to answer the court papers?
28 days after you're served.
Can you get the house back after the auction?
Yes, until the judge confirms the sale, by paying the full judgment plus costs and interest.
Can the lender come after you for what the sale doesn't cover?
Yes, but for a one- or two-family home you lived in, that balance can't be collected more than two years after the judge confirms the sale.
Is there mediation?
Not statewide, though some county courts mediate a case when the judge sends it there.
How many Ohio homeowners are 90+ days behind?
The share of borrowers with a mortgage who were 90+ days behind was 1.1% in the first quarter of 2025, lower than the U.S. (1.2%). How Ohio compares

How long does foreclosure take in Ohio?

No Ohio law sets how long a foreclosure takes. The sale waits on the court, and each county court moves at its own pace.

The 9 steps of a foreclosure in Ohio, and the time the law gives each

Each step in order, with the time the law gives it. 5 of the 9 have a time set in law; "No set time" means the court sets the pace.

  1. 120+ days behind You fall behind on payments
  2. After day 120 The lender files the case in court
  3. No set time You're served with the court papers
  4. 28 days You answer the lawsuit
  5. No set time The judge decides the case
  6. No set time The sale is ordered and advertised
  7. At least 3 weeks The home is sold at auction
  8. Within 30 days The court confirms the sale
  9. No set time You may be asked to leave
Source: Ohio 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/ohio/
Each step in detail, with the law behind it
  1. You fall more than 120 days behind. Your mortgage company usually can't file before then. (12 CFR 1024.41(f))
  2. The lawsuit is filed in the Court of Common Pleas for the county where the home is. (ORC 2323.07)
  3. You're served with a summons and the complaint, by certified mail, by the sheriff, or in person. If you can't be found, the court can allow newspaper notice instead, run once a week for six weeks. (Ohio Civ.R. 4, 4.1, 4.4)
  4. Your answer is due 28 days after you're served. If you don't answer, the lender can ask the judge for a default judgment (an automatic win for the lender). (Ohio Civ.R. 12, 55)
  5. The judge decides what you owe and orders the home sold (decree of foreclosure). If nobody contests the case, the judge can decide it without a trial. (ORC 2323.07)
  6. The home is appraised and the sale is advertised. Three local property owners appraise it, due within 21 days of the court's order. The sale runs in a newspaper once a week for at least three weeks, and you get written notice of the sale date, with proof filed at least seven days before the sale. (ORC 2329.17, 2329.26)
  7. The sheriff's auction. Ohio law moves sheriff sales of homes onto the state's official online sale site, with bidding open at least seven days. At the first auction, the home can't sell for less than two-thirds of the appraisal. If it doesn't sell, a second auction follows 7 to 30 days later with no minimum. (ORC 2329.153, 2329.20, 2329.52)
  8. The judge confirms the sale, usually within 30 days after the sheriff files a report of the sale. Your right to buy the home back ends here. (ORC 2329.31, 2329.33)
  9. The buyer pays and takes the deed. The buyer has 30 days after confirmation to pay, and the deed is recorded within 14 days after that. Only then can the buyer start removing anyone still living there. (ORC 2329.31)

How far behind can you get before an Ohio 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.

An Ohio 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 American Default Research · americandefault.org/help/laws/ohio/

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

Ohio adds no notice of its own, so the court papers may be the first thing you get from a court.

How to answer an Ohio foreclosure summons

File a written answer with the court named on the summons within 28 days after you're served. If you don't, the lender can ask the judge for a default judgment, and the case can move straight to an order to sell. (Ohio Civ.R. 12, 55)

If you signed and returned a waiver of formal service in time, your answer is due 60 days after the waiver request was sent. (Ohio Civ.R. 4.7)

Your answer is where you tell the court what's wrong with the lender's case. Legal aid can help you write it for free if your income qualifies, and Ohio Legal Help has free self-help guides for foreclosure defense.

Keep a copy of everything you file and everything the court or your mortgage company sends you. If someone tells you something by phone, ask for it in writing.

Can you stop a foreclosure in Ohio?

Sometimes. None of these is guaranteed, and each has a deadline, so start with the one that fits where your case is.

Apply for help from your mortgage company. Ask for a loan modification (a permanent change to your loan's terms) or a pause on payments (forbearance). If your complete application reaches your mortgage company more than 37 days before a sale date, it generally has to decide on it before the sale can go ahead. Federal law doesn't require it to offer you any particular option. (12 CFR 1024.41(g))

Catch up, if your mortgage allows it. Ohio law gives you no right to end the case by paying only the missed payments. Whether you can depends on your mortgage, so ask your mortgage company in writing for the amount to catch up in one payment (reinstatement).

Buy the home back before the judge confirms the sale, by paying the full judgment (below). (ORC 2329.33)

Sell first. You can sell the home yourself, or ask your lender to approve a sale for less than you owe (short sale). Ohio lets lenders sue for what's left after a short sale, so get any release of that balance in writing.

File for bankruptcy. Filing usually pauses a foreclosure while the bankruptcy lasts (automatic stay). If you had a bankruptcy case dismissed in the past year, the pause can last only 30 days or not start at all. (11 U.S.C. 362(c)(3)–(4))

A Chapter 13 plan can let you catch up over three to five years, and the federal bankruptcy court in southern Ohio runs a mortgage modification mediation program.

If your sale date is days away, a HUD-approved housing counselor or legal aid can help right away. Both are free: the map of HUD-approved counselors in Ohio and the legal aid listing are below.

Can you get your house back after an Ohio sheriff's sale?

Yes, until the judge confirms the sale. Ohio lets you pay the full amount of the judgment, plus court costs and interest, and keep the home (equity of redemption). (ORC 2329.33)

This is the whole judgment, not just the payments you missed. You also pay interest of 8% a year on the sale price from the day of the sale until you pay.

The judge can delay confirmation, for example to give you time to redeem; a lawyer or legal aid can ask the court for that. (ORC 2329.31)

Once the judge confirms the sale, the right to buy the home back is gone.

Deadlines for stopping a foreclosure in Ohio

Ohio law gives no right to catch up. Your mortgage decides whether you can, and what it costs.

Deadlines for catching up, after the sale and other steps in Ohio
Kind of foreclosureDeadlineWhat starts the clock
Through a court Your loan papers decide We found no catch-up deadline in the law for this kind of foreclosure, so your loan papers decide. Paying the full judgment before the court confirms the sale is a separate right. Source Ohio Rev. Code § 2329.33
After the sale
Through a courtMost court sales Until the court confirms the sale Pay the full judgment, costs and required interest. A receiver sale has a different rule. Source Ohio Rev. Code § 2329.33
Through a courtReceiver sales Set by the court The court sets the deadline at least 3 days after its order approving the sale. Source Ohio Rev. Code § 2735.04(D)(7)
Other deadlines and rules
Through a courtJunior mortgage in default At least 30 days after the pre-foreclosure notice is mailed The debt collector has to wait that long before it files a foreclosure. This is a filing wait, not a 30 day deadline for you to respond. Source Ohio Rev. Code § 1349.78(A)
Through a courtAny home Within 28 days after you are served Serve your written answer to the summons and complaint by then. Don't count the day you were served. If the last day is a Saturday, Sunday or legal holiday, the deadline moves to the next day. Source Ohio Civ.R. 12(A)(1)
Through a courtIf served by newspaper Within 28 days after the last newspaper notice If the court allows newspaper service because your home can't be found with reasonable diligence, service is complete on the date of the last publication. Serve your answer within 28 days of that. Source Ohio Civ.R. 4.4(A)(1), 12(A)(1)
Through a courtIf you return a waiver of service Within 60 days after the waiver request was sent If you return the waiver before formal service, you don't have to answer until then. If the request was sent outside the United States, the period is 90 days. Source Ohio Civ.R. 4.7(D)
Through a courtAny home At least 90 days after the last notice about leftover sale money If money is left after the sale and nobody claims it, the clerk disposes of it under the unclaimed money rules after that. This is an administrative transfer, not a deadline that ends your claim. Source Ohio law
Through a courtAfter foreclosure At least 3 days after the notice to leave is served If the new owner uses a forcible entry and detainer case to recover possession, it has to give you notice to leave at least three days before filing. This is a wait before filing, not a court answer deadline. Source Ohio Rev. Code § 1923.04(A)
Through a courtAny home Within 30 days after the judgment is entered If the judgment is a final appealable order and the clerk serves notice within three days of the entry, file your notice of appeal by then. A later service date or another Appellate Rule 4 exception can change when the clock starts. Source Ohio App.R. 4(A)(1), (3)
Through a courtAny home Within 30 days after the clerk serves notice of the judgment If the clerk doesn't complete service of notice of a final civil judgment within three days of the entry, your 30 day appeal period starts when the clerk actually completes service. An Appellate Rule 4 exception can change this. Source Ohio App.R. 4(A)(3)
Through a courtAny home Within 30 days after the order confirming the sale is entered If the order is a final appealable order and the clerk serves notice within three days of the entry, file your notice of appeal by then. A later service date or another Appellate Rule 4 exception can change when the clock starts. Source Ohio App.R. 4(A)(1), (3)
Through a courtAny home Within 30 days after the clerk serves notice of the confirmation If the clerk doesn't complete service of notice of a final civil judgment within three days of the entry, your 30 day appeal period starts when the clerk actually completes service. An Appellate Rule 4 exception can change this. Source Ohio App.R. 4(A)(3)

Will you owe money after an Ohio foreclosure?

You may. If the sale brings in less than you owe, the lender can get a court judgment for the rest (deficiency judgment). (ORC 2329.08)

For a one- or two-family home you lived in, that leftover balance can't be collected more than two years after the judge confirms the sale. Collection that started within the two years can continue. (ORC 2329.08)

Ohio doesn't make the lender credit you the home's fair market value. The first auction can't sell below two-thirds of the appraisal, but a second auction has no minimum. (ORC 2329.20, 2329.52)

If you sell in a short sale or give the home back to the lender (deed in lieu), ask the lender to release the leftover balance in writing.

Is there foreclosure mediation in Ohio?

Not statewide. Some county courts mediate a foreclosure case when the judge sends it there, and a mediator then helps you and the lender try to agree. The case keeps moving until there's a final agreement.

  • Cuyahoga County (Cleveland): the Court of Common Pleas mediates when the judge refers the case, at no cost to you. You can ask the judge or use the court's request form.
  • Franklin County (Columbus): the judge can send a case to a court magistrate for a mediation conference. Call the court about cost.
  • Montgomery County (Dayton): the court mediates active civil cases the judge refers. Ask whether your judge will refer yours.

In any other county, ask the court handling your case whether it offers mediation.

Can your HOA or condo association foreclose in Ohio?

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. A condo or planned-community association may sue in court to foreclose its recorded lien, the same way a real estate mortgage is foreclosed.

Read the law's words
“…may be foreclosed in the same manner as a mortgage on real property in an action brought on behalf of the unit owners association…” codes.ohio.gov

Is there a minimum debt or a waiting period?

The charge has to stay unpaid for 10 days before a lien arises. The acts set no separate dollar or months-unpaid minimum to foreclose.

Read the law's words
“…remain unpaid for ten days after any portion has become due and payable…” codes.ohio.gov

What notices come first?

Not found in the law

Do you have a right to a payment plan?

Not found in the law

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

The association's lien doesn't outrank a first mortgage recorded before it, or real estate taxes and local assessments.

Read the law's words
“…except liens for real estate taxes and assessments of political subdivisions and liens of first mortgages…” codes.ohio.gov

What protects you?

If you believe the charge was wrong, you may ask the common pleas court to discharge (cancel) the lien.

Read the law's words
“…may commence an action for the discharge of the lien in the court of common pleas…” codes.ohio.gov

Can you buy the home back after the sale?

After a court sale, you may buy the home back before the court confirms the sale. You do that by depositing the judgment amount, costs, and required interest with the clerk.

Read the law's words
“…at any time before the confirmation thereof, the debtor may redeem it from sale by depositing in the hands of the clerk…” codes.ohio.gov

Source Ohio law

Who these rules cover: Condos under the Condominium Property Act and planned communities under the Ohio Planned Community Law.

How Ohio compares

Ohio requires a court for every foreclosure, as Kentucky, Pennsylvania and Indiana do. West Virginia and Michigan let most foreclosures happen without one.

Ohio's share of borrowers with a mortgage who are 90+ days behind is under half its 2010 peak

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

0% 2% 4% 6% U.S. 1.2% Q1 2005Q3 2007Q1 2010Q3 2012Q1 2015Q3 2017Q1 2020Q3 2022Q1 2025 Q1 2025 1.1% 0% 2% 4% 6% U.S. 1.2% Q1 2005Q1 2010Q1 2015Q1 2020Q1 2025 Q1 2025 1.1%
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/ohio/

Ohio is tied for 23rd 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% Ohio 1.1% 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% Ohio 1.1% 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/ohio/
Ohio and its neighbors: mortgages 90+ days behind and State Distress Index rank
State90+ days behind, Q1 2025Distress rank (score)
West Virginia 1.6% 22nd (58)
Kentucky 1.3% 15th (72)
Pennsylvania 1.3% 25th (52)
Indiana 1.2% 29th (44)
Ohio 1.1% 27th (48)
Michigan 1.0% 5th (92)

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. Ohio's full distress profile and county scores.

Other Ohio laws that can affect homeowners

State laws can change. Each entry links to the cited source and shows when that source was fetched.

Foreclosure laws in another state

The process and the deadlines change at every state line.

Free help in Ohio

Ohio has 39 HUD-approved housing counseling agencies

The 39 whose HUD listing includes foreclosure or mortgage delinquency counseling, one dot per office (38 have a mapped address), as of Nov 4, 2026. The listing below names them all.

Source: U.S. Department of Housing and Urban Development, Housing Counselor list American Default Research · americandefault.org/help/laws/ohio/

A HUD-approved housing counselor. Foreclosure counseling from a nonprofit the U.S. Department of Housing and Urban Development approves is free, and a counselor can help you deal with your mortgage company. HUD's line is 800-569-4287.

Legal aid. Legal aid offices give free legal help to people whose income qualifies, including help answering a foreclosure case. Ohio Legal Help covers the whole state online.

Free lawyers through the bar. The Cleveland Metropolitan Bar Association and the Columbus Bar Association's Volunteer Lawyers Project both offer free foreclosure defense.

A lawyer referral. Ohio's county bar associations run lawyer referral services; the Ohio State Bar Association lists each one with its phone number.

A complaint about your mortgage company. Ohio's Division of Financial Institutions takes complaints about mortgage companies at 1-800-282-6952. The Ohio Attorney General takes reports of mortgage fraud and rescue scams at 1-800-282-0515. You can also complain to the federal Consumer Financial Protection Bureau.

Before you pay anyone. Free counseling exists, so be wary of anyone who charges up front to "save" your home. Ohio's consumer protection law treats false promises to stop a foreclosure as a deceptive practice. (ORC 1345.01 et seq.)

HUD-approved housing counselors in Ohio, by city (39)

  • Asian Akron Office 2, Akron · 330-535-3263 · Website HUD-approved housing counselor · Languages: Arabic, Cantonese, CHI, English, Other
  • East Akron Neighborhood Development Corp., Akron · 330-724-0244 · Website HUD-approved housing counselor
  • Fair Housing Contact Service, Akron · 330-376-6191 · Website HUD-approved housing counselor
All 39 agencies
  • Mustard Seed Development Center, Akron · 330-631-0350 · Website HUD-approved housing counselor · Languages: Arabic, ASL, Cambodian, Cantonese, CHI, CRE, CZE, English, Farsi, French, German, Hindi, Hmong, Indonesian, Italian, Korean, Other, Polish, Portuguese, Russian, Spanish, Swahili, Turkish, Ukrainian, Vietnamese
  • Breaking Chains Inc, Beachwood · 216-464-0699 HUD-approved housing counselor
  • Apprisen - Canton, Canton · 800-355-2227 · Website HUD-approved housing counselor
  • Home Ownership Center of Greater Cincinnati, Cincinnati · 513-961-2800 · Website HUD-approved housing counselor
  • Nid-Hca Cincinnati, Cincinnati HUD-approved housing counselor
  • Working in Neighborhoods, Cincinnati · 513-541-4109 · Website HUD-approved housing counselor
  • Chn Housing Partners, Cleveland · 216-881-8443 · Website HUD-approved housing counselor · Languages: English, French, Spanish
  • Community Housing Solutions, Cleveland · 216-231-5815 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Nid-Hca Pope, Cleveland · 216-752-9264 · Website HUD-approved housing counselor
  • Nsc (Naca Counseling Subsidiary) - Cleveland, Oh, Cleveland · 216-619-4110 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Benjamin Rose, Cleveland · 216-373-1850 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Nid-Hca Stoudermire, Cleveland · 216-282-3333 · Website HUD-approved housing counselor
  • Home Repair Resource Center, Cleveland Heights · 216-381-6100 HUD-approved housing counselor
  • Nid-Hca Valentine, Cleveland Heights · 216-932-6624 · Website HUD-approved housing counselor
  • Columbus Housing Partnership, Inc, Dba Homeport, Columbus · 614-221-8889, ext. 4826 · Website HUD-approved housing counselor
  • Homes On the Hill, Columbus · 614-275-4663 HUD-approved housing counselor
  • Nid-Hca Franklin County-Glenn, Columbus · 614-264-2896 · Website HUD-approved housing counselor
  • Nid-Hca Columbus, Columbus · 614-418-6056 · Website HUD-approved housing counselor
  • County Corp, Dayton · 937-853-1600 · Website HUD-approved housing counselor
  • Horizon Housing Communities Development For Ohio (Hhcdo), Dayton · 937-259-8870 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Miami Valley Community Action Partnership, Dayton · 937-341-5000 · Website HUD-approved housing counselor
  • Nid-Hca Dayton, Dayton · 937-567-0990 · Website HUD-approved housing counselor
  • Lorain County Urban League, Elyria · 440-323-3364 HUD-approved housing counselor
  • Greenpath Financial Wellness, Fairborn · 866-234-4767 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Great Lakes Community Action Partnership (formerly WSOS Community Action Commision, Inc.), Fremont · 800-775-9767 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Apprisen - Cccs of Central Ohio, Inc., Gahanna · 614-552-2222 · Website HUD-approved housing counselor
  • Apprisen - Warren, Girard · 800-355-2227 · Website HUD-approved housing counselor
  • Neighborhood Housing Services of Hamilton, Inc., Hamilton · 513-737-9301 · Website HUD-approved housing counselor · Languages: English, Spanish
  • El Centro De Servicios Sociales (Oh), Lorain · 440-277-8235 · Website HUD-approved housing counselor
  • Lorain Metropolitan Housing Authority, Lorain · 440-288-1600 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Fair Housing Resource Center, Painesville · 440-392-0147 · Website HUD-approved housing counselor · Languages: English, Other, Spanish
  • Neighborhood Housing Partnership of Greater Springfield, Inc., Springfield · 937-322-4623 · Website HUD-approved housing counselor
  • Neighborhood Housing Services of Toledo, Inc, Toledo · 419-691-2900 · Website HUD-approved housing counselor
  • Nid Lucas County, Toledo · 419-504-5188 · Website HUD-approved housing counselor
  • Nid-Hca Trotwood, Trotwood · 937-589-0155 · Website HUD-approved housing counselor
  • Catholic Charities Regional Agency, Youngstown · 330-744-3320 · Website HUD-approved housing counselor · Languages: English, Spanish

Listings come from the HUD 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 Ohio, 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.

What this page relies on (20 sources)

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