Your checklist for asking your servicer for help.

Work through the calls to make, the papers to gather and the dates to write down. Your ticks save in this browser only.

Call your servicer

Call the number on your mortgage statement and ask for the loss mitigation department.Ask for the application, the list of documents it needs and the deadline.Write down the date, the representative's name and any reference number.

Gather your papers

Your most recent mortgage statement.A government-issued photo ID.Recent pay stubs.Your last two months of bank statements.Your most recent tax return, with W-2s or 1099s.Letters for other income, such as benefits, child support or a pension.A profit-and-loss statement, if you are self-employed.Your monthly budget. Our worksheet builds one.A hardship letter. Our generator writes a draft.Any notice from your lender or a law firm.

Know your dates

Write down the date on any notice of default or notice of sale.Put the sale date on a calendar. Our foreclosure calendar finds the earliest dates.

Get help

Contact a HUD-approved housing counselor.Ask a Texas attorney about your rights if you receive a court paper.

Protect yourself

Do not pay anyone an upfront fee who promises to stop a foreclosure.Do not sign a deed or transfer the title to anyone before an attorney has reviewed it.

Free tool by Captain Saves A Home. General information only, not legal, tax or financial advice.