Behind on Your Mortgage

CCCS of Southern Oregon is a HUD approved Housing Counseling Agency.  We provide a variety of housing counseling services but DO NOT offer counseling to people who’s main concern is that they are facing foreclosure.  If you are falling behind on your mortgage, or are concerned that you will fall behind, we have information you may find useful.

Foreclosure or Bankruptcy: What to do?
If you find yourself behind on your mortgage, either route may seem like the wrong direction. But your choice will have a big impact. Here's how to make the right one.
By Liz Pulliam Weston for MSN Money
You can't afford the payments on your home. Your efforts to get your mortgage modified are going nowhere. You may even have tried to sell the home for less than what you owe, but the short sale fell through. Now you face some grim options. You can let the home slide into foreclosure, or you can try to prevent or at least delay the foreclosure with a bankruptcy filing. (To read more, Follow this link.)

The Oregon Homeownership Stabilization Initiative
Various programs are under this umbrella.  Borrowers need to go to the oregonhomeownershelp website for a list and to see what programs may fit their situation. To read more, follow this link.

New Oregon state website offers foreclosure advice
A new Oregon state website offers help and advice to homeowners facing foreclosure. It offers information about the process, links to foreclosure prevention programs, and it includes a search too for users to enter their ZIP code to locate a counselor. (Click here)

The Statesman Journal reports the website and counseling was funded in May by the Legislature, which appropriated nearly $4 million from a national settlement with loan servicers.

The website is sponsored by Oregon Housing and Community Services, the Department of Consumer and Business Services, and the Department of Justice.


Special Programs for homeowners facing foreclosure.
There are various Federal and State Programs for homeowners. Click this link to find out where to go to find our our latest information





Back to Housing
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2015 Community Resources
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Legal Aid for Foreclosure
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Bounce Back from Bad Credit
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Getting a Mortgage after Foreclosure
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Consumer Protection Information
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820 Crater Lake Ave Suite 202
Medford, OR 97504
Phone: 541-779-2273
Fax: 541-779-6412
Email: info@cccsso.org
Hours: 8:00am - 12:30pm & 1:30pm - 5:00pm