Resources for those facing foreclosure

• The Federal Trade Commission's Fact sheet "Mortgage Payments Sending You Reeling? Here's What to Do," www.ftc.gov/bcp/edu/pubs/consumer/homes/rea04.shtm
• The Department of Housing and Urban Development's list of approved housing counseling agencies, www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm
• Freddie Mac's guide to avoiding foreclosure, www.freddiemac.com/corporate/buyown/english/owning/avoid_foreclosure.html
• NeighborWorks America's Center for Foreclosure Solutions, www.nw.org/network/neighborworksProgs/foreclosuresolutions/default.asp
• The Homeownership Preservation Foundation's national housing hotline, 1-888-995-HOPE
• Americans for Fairness in Lending, http://www.affil.org/
• Consumer Federation of America, http://www.consumerfed.org/
• ACORN Housing, http://www.acornhousing.org/