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How to Avoid Foreclosure in Clay County, Florida

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    • 1). Call your lender. Explain the reason you are unable to make your monthly payment. If you are current on the loan, you may be eligible to refinance. If you experience a hardship, a temporary payment suspension known as a forbearance may be an option. Ask your Clay County lender if it participates in the Home Affordable Foreclosure Alternative program. Through the program, homeowners who participate in a short sale or deed in lieu of foreclosure can receive up to $3000 in relocation funds.

    • 2). Speak to a foreclosure prevention counselor. HUD-approved housing counselors in Clay County will review your mortgage and financial information to determine the best solution for you. The Northeast Florida Community Action Agency provides counseling services to Clay County residents. Counselors have extensive knowledge of the various assistance programs, such as the Making Home Affordable program. The counselor can assist you with the application process.

    • 3). Request mediation. After receiving the Notice of Foreclosure, you have 20 days to submit a written response to the Clay County Clerk of Court. You must respond or you will not be eligible for mediation. Once the response is filed, you will be able to participate in the Residential Mortgage Foreclosure Mediation Program. Clay County homeowners can meet with their lender and unaffiliated third party to facilitate an agreeable solution for both parties.

    • 4). Seek legal aid. Jacksonville Area Legal Aid offers free legal assistance to low-income homeowners in Clay County. Assistance is available in the form of legal advice and representation. An appointment is required to submit an application for service. Contact 904-284-8410 to schedule an appointment. You can also visit HUD to locate legal aid services near you.

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