Get Your Free Action Plan
Answer a few questions. We'll email you a step-by-step plan for your state with your deadlines, rights, and next steps.
What's going on right now?
Select all that apply.
What's your zip code?
This determines your state laws, local resources, and nearby professionals.
Where should we send your plan?
You'll receive a personalized action plan with your state's deadlines, local resources, and step-by-step next actions.
Free. No spam. Your plan arrives in minutes. Unsubscribe anytime.
How far behind are you?
Who do you send your mortgage payment to?
Check your monthly statement.
What's the property address?
This helps us pull county-level data and match local professionals.
What's your home worth, roughly?
Estimates are fine. This tells us whether you have equity or are underwater.
What's your household income?
This helps determine which programs you may qualify for.
Are you or your spouse active military or a veteran?
Military families have additional protections under the SCRA.
Want to speak with a local professional?
Based on your answers, we can match you with an attorney, housing counselor, or real estate specialist in your area. Free referral, no obligation.
All set.
Check your inbox for your personalized action plan. It includes your state's deadlines, local resources, and step-by-step next actions.
What is an action plan?
When you complete the assessment above, we assemble a personalized plan from three data sources: your state's foreclosure laws and timelines, your mortgage servicer's complaint record and contact information, and HUD-approved housing counselor directories in your area.
The plan arrives in your inbox within minutes. It includes numbered steps for the next 30 days, your legal deadlines, and the specific phone numbers you need. Over the following month, you'll receive follow-up guides walking you through each step.
What can a foreclosure defense attorney do?
- Help you understand government programs that may assist with foreclosure prevention
- Evaluate whether a loan modification can help you keep your home
- Counsel you on loss mitigation options that may stop foreclosure
- Help you understand how foreclosure laws in your state protect you
- Evaluate whether bankruptcy is the right option
- Explain the timeline of your foreclosure process and how much time you have
- Build a tailored plan for your particular situation
Loss mitigation options explained
Loan modification. A new loan with new terms that lets you resume payments without paying everything you owe at once. Missed payments are typically added to your principal balance. Modifications often lower monthly payments through reduced interest rates or extended terms.
Forbearance. A temporary pause on mortgage payments. Your lender agrees not to start foreclosure for an approved period. You'll need a plan for what comes after the forbearance ends.
Repayment plan. You resume regular payments plus an extra amount each month until you've caught up on what you missed. Works best when you're 1-2 months behind and your income has stabilized.
Short sale. Selling your home for less than you owe. Your lender approves the sale and typically waives the remaining balance. Protects your credit score better than foreclosure.
Deed in lieu. You transfer ownership of your home to the bank. The bank agrees not to foreclose. Typically a last resort when other options have been exhausted.
Your rights by state
Every state has different foreclosure laws, timelines, and protections. Some states require a judge to approve the foreclosure (judicial). Others allow foreclosure without court involvement (non-judicial). The timeline from first missed payment to sale can range from 60 days to over a year depending on where you live.
Frequently asked questions
Is my data collected or shared?
Your email address is stored so we can send your action plan and follow-up guides. If you provide financial details in the optional section, they're used once to generate your deeper analysis and stored securely for 90 days. We do not sell your data. If you ask to be connected with a professional, only your name, phone, state, and situation type are shared.
Is this legal or financial advice?
No. This is educational information assembled from public data sources. Every situation is unique. For advice specific to your case, contact a HUD-approved housing counselor (free, 1-800-569-4287) or a licensed attorney in your state.
How is this free?
American Default Research is an independent data project. We track household financial distress using public data. The assessment tool and action plans are free. If you choose to be connected with an attorney or real estate professional, we may receive a referral fee from that professional. This does not affect the services you receive or the cost to you.
What happens after I submit my email?
You'll receive your personalized action plan within minutes. Over the next 30 days, you'll receive 5-6 follow-up emails walking you through each step. You can unsubscribe at any time.
The information contained on this website is provided for informational purposes only and should not be construed as legal advice on any matter. The transmission and receipt of information through this tool does not constitute or create an attorney-client relationship. Each mortgage relief issue is unique, and the materials presented may not be applicable to your legal situation. Please contact a qualified attorney to discuss the specifics of your matter. If you have a foreclosure auction date scheduled against your home, you may need to act immediately.