kentucky homeownership protection center

8/7/2019 Kentucky Homeownership Protection Center

1/10

Wednesday, March 30, 2011 Login

Kentucky Homeownership Protection CenterKentuckys Response to Foreclosures

If you are currently delinquent on your home loan or in danger of becoming delinquent, do not risk losing your home. Options are available. Click on theGet Help button or call the toll free number to schedule an appointment.

The worst thing you can do is nothing!

Get Help or call (866) 830-7868 toll-free in Kentucky!

*Important Alert! There are copycat Web sites posing as HHF application sites. The Kentucky Housing Corporation, through theHomeownership Protection Center and the Unemployment Bridge Program, is the only agency authorized to administer Hardest-Hit Funds inKentucky. If you are suspicious that the Web site you are using is not the correct site, contact our toll-free information line at (866) 830-7868 toverify the Web site address. Application for and participation in the Unemployment Bridge Program and Kentucky's Hardest-Hit Funds is

FREE-OF-CHARGE and you will not be asked to pay for any services in conjunction with applying for or participating in the program.Disclaimer: If you have been served with a formal Petition or a court action of Foreclosure by your lender please seek legaladviceimmediately. Kentucky Housing Corporation and/or the Kentucky Homeownership Protection Center cannot provide legal advice. While the KentuckyHomeownership Protection Center can refer you to Legal Aid agencies, you must meet the eligibility requirements and case acceptance guidelines set byLegal Aid for your case to be accepted. Please note that contacting the Kentucky Homeownership Protection Center, a counseling agency, or Legal Aiddoes NOT automatically address or delay any legal foreclosure process that has been filed against you. It is your responsibility to seek further legaladvice if Legal Aid is not able to take your case.

The Kentucky Homeownership Protection Center was established by the 2008 Kentucky General Assembly to address the foreclosure crisis here inKentucky. The Kentucky Homeownership Protection Center is a joint effort of the Department of Financial Institutions, Kentucky Housing Corporation andmany other agencies and groups across the state. The Kentucky Homeownership Protection Center is administered by Kentucky Housing Corporation.

Unemployment Bridge Program (UBP) A new statew ide program, funded

through the Hardest Hit Fund, which makes $148 million available forKentuckians who have been unemployed through no fault of their own will

be available in April 2011. The program provides funding which will helpbring your mortgage current.

The Kentucky Homeownership Protection Center (Protection Center) is the onlystatewide assistance program created by the Kentucky state government and

endorsed by Governor Steve Beshear.

Beware of SCAMS!see belowEvery Kentuckian who clicks on the Get Free Help button or calls the toll-free number, will haveaccess to free financial counseling. Some Kentuckians may be eligible for free legal advicethrough the Protection Centers partnership with Legal Aid.

"The Kentucky Homeownership Protection Center can help you find a solution to keepyour home!"~Governor Steve Beshear

President Obama's Refinance and Modification Options

Page 1 of 1Kentucky Homeownership Protection Center

3/30/2011http://www.kyhousing.org/protect/


2/10

Wednesday, March 30, 2011 LoginAbout Foreclosure

Foreclosure is the legal means to repossess or take over a home. Kentucky is a judicial state, meaning that most, if not all, foreclosures areprocessed through the courts. Therefore, the time for a foreclosure in Kentucky varies from county to county, but loan servicers usually allow 90days before starting foreclosure proceedings.

Call your servicer as soon as you know you are having financial problems. Do not wait until you miss your first payment. Explain the situation andtry to work out a plan with them to make the loan current. Despite what you may think, loan servicers do not want to take your home from you. Theforeclosure process is costly to them and they would rather find a mutually agreeable solution that keeps you in your home.

If you are unable to work with your servicer, contact us immediately to find alternatives. The Protection Center is the only statewide assistanceprogram created by the Commonwealth of Kentucky and endorsed by Governor Steve Beshear. Please do not be fooled by all the credit repairscams going on. The Protection Center provides access to many counselors and attorneys to help you work with your servicer or to betterunderstand how to avoid further problems at no cost to you.

Helpful Advice Open notices from your mortgage loan servicer and respond to them promptly.

Contact us to schedule a free session with an approved counselor.

Some businesses could be scams that appear legitimate.Do not sign anything unless you have a reputable attorney or counselor review the

documents. Contact us to find one in your area.

Prioritize your debt. Make a list of monthly expenses and compare it to your income. For a simple budget tracking worksheet, clickhere.

Eliminate unnecessary bills, like a cell phone or cable television, which may be eating-up too much of your income.

Evaluate liquid assets that can be sold, like jewelry, investments or whole life insurance, which may help bring you up-to-date on mortgagepayments.

Pay bills on time. Even if you only pay the minimum payment, it keeps you in good standing with the creditor.

Check your credit report every year. Federal law allows all Americans to do this yearly for FREE. Visitwww.annualcreditreport.com to get your freecredit report and report any errors to the credit bureau that has the inaccurate information.

Should you need legal assistance, here is a complete list of Legal Aid Agencies and the counties they each cover.

Page 1 of 1About Foreclosure

3/30/2011http://www.kyhousing.org/protect/default.aspx?ID=266


3/10


Alternatives to ForeclosureWork Out Process/Loss MitigationBy calling your mortgage loan servicer as soon as you know you may have a problem making your monthly mortgage payments, you enable them andyourself more time to find a solution. Keep in mind that as long as a sale on your home is not final, a work out process can still take place, but the earlierin the process you begin discussions, the more likely it is.

It is common practice to begin the work out process by asking specifically for the servicer's loss mitigation department, if one exists. Always record bynoting the time, date and person with whom you speak and ask for all agreements to be confirmed in writing.

The loss mitigation department will require certain documents to complete a work out package for you:

Completed application form

Pay stubs for income verification

Previous years W-2 forms

Completed budget

Hardship letter explaining your situation

It may take a loss mitigation specialist a few weeks or even months to report back to you with the decision about the work out plan. There are many

alternatives to foreclosure listed below. You should regularly check with the loss mitigation specialist about the status so your request does not get lost.The collection department may keep contacting you trying to collect on the debt. This may continue until the work out process is final.

If the servicer is unwilling or unable to work out an agreeable solution for you, you are allowed to contact the mortgage note holder directly. Depending onyour type of loan, it is sometimes difficult to figure out who this is. Under the 1995 amendment to the Truth-in-Lending Act, the servicer is required, uponwritten request, to provide you with the name, address and telephone number of the mortgage holder.

If you feel you need more help during the work out process, you can always contact us. A counselor can help you gather the information you need andbetter understand the process.

Special ForbearanceYour servicer may agree to a repayment plan to bring the loan current based on your financial situation. This can be done by either suspending orreducing the payments until you are able to recover from a financial setback. You may qualify for this if you have recently lost your source of income orhad an unexpected increase in living expenses. You must furnish information to the lender to show you will be able to meet the requirements of the newpayment plan. You will be responsible for repaying the delinquency over a period of time.

Loan ModificationA loan modification is a change in one or more of the loan terms. Options could include lowering the interest rate on the loan, extending the period of theloan or re-amortizing the loan where the delinquent amount is added to the principal balance and the loan is brought current. This will help you catch up

by possibly reducing the monthly payments to a more affordable level. You may qualify if you have recovered from a financial problem but your netincome is less than it was before the default.

Partial ClaimYou may be able to obtain an interest-free loan from the U.S. Department of Hous ing and Urban Development (HUD) to bring your mortgage current. Youmay qualify if your loan is at least four months delinquent, but no more than 12 months delinquent, and you are able to begin making full mortgagepayments. If your loan is in foreclosure, the servicer could take it out of foreclosure to do a partial claim.

When you lender files a partial claim, HUD will pay your servicer the amount necessary to bring your mortgage current. You must execute a promissorynote, placing a lien on your property until the note is paid in full. The note is interest-free and is due if you sell or leave your property or when yourmortgage matures.

Fannie Mae now offers a partial claim product called HomeSaver Advance. HomeSaver Advance is an alternative for eligible homeowners who are indefault on their first mortgage. It is documented by a promissory note, executed by the homeowner and payable over 15 years at a fixed rate of 5 percentwith no payments or interest accrual for the first 6 months.

Unemployment Bridge LoanThe Kentucky Unemployment Bridge (Loan) Program (UBP) is a new loan option for eligible homeowners to assist them in making their mortgagepayments. To be eligible, the homeowner must have experienced a job loss or reduction in income due to changing economic conditions, through no fault

of their own, and demonstrate a need for assistance. The job-related event must have occurred after January 1, 2009. The program will be launchedstatewide in April 2011.

Read more about the Unemployment Bridge Loan Program

Pre-Foreclosure SaleBy selling your home before the foreclosure is final, you can pay off your mortgage, avoid foreclosure and prevent further damage to your credit rating.You may qualify for this option if 1) the as is appraised value of your home is at least 63 percent of the amount you owe and the sales price is 82percent of the appraised value; 2) the loan is at least two months delinquent prior to the pre-foreclosure sale closing date; and 3) you are able to sell yourhouse within three to five months, depending on what your lender agrees to. Also known as a short sale, this work out option is sometimes available whenproperty values have declined since the mortgage was issued.

Deed-In-Lieu of ForeclosureIf it is evident that you are unable to recover from your financial difficulties while paying a mortgage, you may qualify to voluntarily give back the propertyto the lender. Even though you lose your house, this provides a better chance for you to get another mortgage in the future. You may qualify for this

Page 1 of 2Alternatives



4/10

option if 1) you are in default and do not qualify for any other options; 2) your attempts to sell the house before foreclosure were unsuccessful; and 3) youhave no other liens or mortgages on the property or any other mortgages in default. Most likely a servicer will not accept a deed-in-lieu unless allforeclosure fees are paid. By contacting your servicer or us as soon as you have a financial problem, you guarantee more possibilities being available toyou.

Page 2 of 2Alternatives



5/10


Frequently Asked QuestionsQ. Can I enroll in the Unemployment Bridge Program if my servicer wont accept the payments?

A. No. Unemployment Bridge Program is only available to borrowers whose mortgage servicing company agrees to partner with Kentucky HousingCorporation. A borrower cannot receive assistance if their servicer has not enrolled as a participating servicer.

Q. Can the Unemployment Bridge Program pay my rent?

A. No. Renters are ineligible for the Unemployment Bridge Program.

Q. Can the Unemployment Bridge Program pay the mortgage on my investment properties?

A. No. The Unemployment Bridge Program will only pay the first and second mortgage payments for a homeowners primary residence.

Q. Can I access the Unemployment Bridge Program without using my personal savings?

A. Homeowners may only retain six (6) months PITI (Principal, Interest, Taxes, and Insurance) in liquid assets (excluding retirement funds). Anythingover that amount may be used toward your mortgage or other debts before you are eligible for UBP.

Q. How does Kentuckys Unemployment Bridge Program (UBP) work?A. Kentuckys Unemployment Bridge Program (UBP) is a new loan option of eligible homeowners to assist them in making their mortgage payments. Tobe eligible, the homeowner must have experienced a job loss or reduction in income due to changing economic conditions, through no fault of their own,and must demonstrate a need for assistance. The job-related even must have occurred since January 1, 2009. The maximum amount of assistance is$20,000 or 12 months, whichever comes first. Of the $20,000, the maximum amount that may be used for reinstatementall related fees and paymentsto bring the loans) currentis $7,500.

Q. What are the eligibility requirements?

A. Homeowners must meet all criteriawithin each category to qualify. However, homeowners who meet all eligibility criteria are not guaranteed approvalfor UBP assistance; homeowners can still be denied eligibility by their mortgage servicer.

Must be a Kentucky resident;

Must occupy property as primary residence;

Maximum amount of liens on the property cannot exceed $275,000.

Maximum of two liens permitted on the property.

Must be unemployed or have experienced a reduction in employment income due to changing economic conditions, through no fault of their own.

Must have monthly housing debt of more than 31% of the homeowners gross monthly income*, or

Borrower must experience a 15% reduction income.

Maximum mount of liquid reserves is six (6) months PITI. (excluding retirement funds)**

The servicer of the loan must be enrolled as a participating servicer. A borrower cannot receive UBP assistance if their servicer has not enrolledas a participating servicer.

*The combined monthly dollar cost of the mortgage principal, interest, taxes, insurance, and association dues of all secured mortgages must be greaterthan 31% of the total households gross income after the financial hardship event.

**Homeowners who have unencumbered assets or cash reserves (not including retirement or qualified education plans) that are equal to or more than sixtimes the total monthly mortgage payment (including tax and insurance payments), must first use those assets toward mortgage payments or otherexisting debt before being eligible for UBP funds.

Exclusions

Homeowner cannot have:

A seller financed mortgage;

An active bankruptcy without approval of the bankruptcy court; and

A conviction within the last ten years on a mortgagerelated felony.

**NOTE: Homeowners will be required to sign an affidavit stating s/he has not been convicted of a mortgage-related felony in the last ten years; thisincludes larceny, theft, fraud, forgery, money laundering, and/or tax evasion.

Q. Which properties can be used with the Unemployment Bridge Program?

A. A homeowners primary residence must be located in Kentucky and can be any one of the following structures:

A single-family home;

A condominium [unit must be listed on current Federal Housing Administration (FHA), Freddie Mac and Fannie Mae approved list];

A townhome;

Page 1 of 4Frequently Asked Questions



6/10

A manufactured or mobile home on a foundation permanently affixed to real estate owned by the homeowners; or

A two, three or four-family dwelling unit of which one unit is occupied by the homeowner as the primary residence.

Exclusions

The property cannot be abandoned, vacant, or condemned; and

The homeowner cannot have more than one property other than their primary residence.

Q. How do I apply for the Unemployment Bridge Program (UBP)?

A. To apply for financial assistance from UBP, you will need to use our Web-based system from a computer with Internet access. The Web site addressis www.ProtectMyKYHome.org; this site contains all the information you will need to begin your application for assistance, with step-by-step instructionand prompts to help you.

You simply click Get Free Help and enter minimal information. Once completed, the system will assign a counselor to you and will then lead you to a listof documents to print and take with you when you meet with your counselor. You will be provided their contact information and will be instructed to callthem to set up your first appointment. Appointments may be completed over the phone if you are unable to phys ically go to your counselors office.

If you do not have access to the Internet from your residence, public computers can be found throughout many communities at public libraries, schools oreducational centers, or governmentrun facilities in your county.

When you first contact your counselor, you will be completing information related to your financial situation. Therefore, it will be necessary for you to havethe following documents readily available:

Information about your first mortgage, such as your monthly mortgage statement;

Information about any second mortgage or home equity line of credit, or other liens on the house;

Your most recent income tax return;

Information about your checking and/or savings accounts, and other assets; and

Information about the monthly gross (before tax) income of your household, including recent pay stubs, or documentation of income you receivefrom other sources, such as unemployment compensation.

Q. What if I do not have internet access?

A. You may also call a toll-free hotline to access this program at (866) 830-7868. Much of the intake may be done over the phone and an initial packageof information may be mailed to you. You will then complete the paperwork, gather your information about your mortgage, paystubs, bank statements,and previous years tax returns before calling your assigned counselor.

Q. What happens once I complete the application?

A. Once you complete the required application forms and gather documentation concerning your finances (paystubs, bank statements, tax returns,mortgage information), you will contact your automatically assigned counselor to set up an appointment. Please keep in mind that interest in theseprograms is high, so your appointment may be set for several weeks after you initially contact your counselor.

Q. How much assistance is available for me?

A. A homeowner may receive a maximum of $20,000 in UBP assistance. Of that amount, up to $7,500 may be used towards reinstatementthe amountof fees and payments needed to bring the mortgage(s) current.

The funds used to pay the monthly mortgage payment(s), including any possible reinstatement will be disbursed by Kentucky Housing Corporationdirectly to the loan servicer on behalf of the homeowner.

Q. Will I have to pay back the Unemployment Bridge Loan?

A. The Unemployment Bridge Program funds will be in the form of a 0 percentinterest, deferred-payment loan that will be subordinate to currentmortgages on the home. The loan is forgiven at a rate of 20 percent on the closing anniversary each year over a five-year period.

The UBP loan must be paid back if your home is sold prior to the end of the loan period and there are sufficient proceeds from the sale to pay all superiorsecured loans.

Kentucky Housing will agree to make the UBP loan subordinate for homeowners who refinance their mortgage(s) to receive more favorable loan terms.However, if a homeowner refinances the mortgage loan(s) to consolidate debt or receive cash out, the homeowner will be required to repay the UBP loanaccording to the loan terms.

Q. What if I have questions about the application I have already completed or I have questions during the process of completing theapplication?

Once you completed the initial information on the UBP Web site or completed the initial intake over the phone, you would have received contactinformation for your assigned counselor. If you have additional questions about your application at any stage in the process, you should contact your

assigned counselor directly.

Q. Where can I find additional information about the Kentuckys Unemployment Bridge Program?

More information on the UBP can be found on the Web site at www.ProtectMyKYHome.org.

Q. Do I have to be in the foreclosure process to speak to a Kentucky Homeownership Protection Center counselor?

A. No. The Kentucky Homeownership Protection Center is a resource for all Kentuckians. If you have questions about budgeting, credit, utility assistance,home repairs or foreclosure, our staff is here to help you.

Q. Will it cost me anything to work with the Kentucky Homeownership Protection Center?

A. No. All counseling services are free to callers through the Protection Center. Some callers may qualify for free legal advice from Legal Aid. Contactus now to find out what possibilities are available for your situation.




7/10

Q. What is the difference between a lender and a servicer?

A. A lender originally provided the funds for your loan when you first got your house. A servicer collects the monthly mortgage payments for the lenderand if you have an escrow account, they also pay the taxes and homeowner's insurance on your behalf. Often the servicer is a different company thanyour original lender.

Q. How can I find out who my servicer is and how to contact them?

A. The name of your servicer, their address and phone number should be listed on your monthly mortgage statement or mortgage coupons.

Q. What information should I have when I call my servicer?

A. You should have your account number from your mortgage statement or payment coupons, a brief explanation of your situation, a copy of yourpaycheck stub or other income information and a list of regular household expenses.

Q. What is foreclosure?

A. Foreclosure is a legal process where a bank or mortgage company can take back a home to satisfy a mortgage debt to them. For a full explanation,please view the About Foreclosure page.

Q. Who can foreclose on my property?

A. Anyone who has a mortgage or lien on your property can foreclose if you do not repay your loan.

Q.From the first time I become delinquent on my payment, how long does it take to complete the full foreclosure process?

A. Different types of loans have different time frames. The foreclosure process is also affected by state laws and regulations. Contact us to speak to acounselor who can advise you in your situation.

Q. If I have already missed a payment, do I have alternatives to facing foreclosure?

A. Yes. Immediately call your servicer to explore loss mitigation strategies and work out options. The sooner you call, the more options you have. If you

are unable to work with your servicer, Contact us immediately. A counselor can help you find an alternative at no cost to you. To better understand youroptions, please view the Alternatives to Foreclosure page.

Q. How do I know if I qualify for a foreclosure alternative?

A. A counselor can help you determine what your needs are and what plan would work best in your situation. Contact us to speak to someone who canhelp.

Q. How many payments do I need to miss before I lose my home?

A. A loan is in default after the first missed payment. Your mortgage contract should state how many payments must be missed before a notice of defaultis sent. Most servicers will start the foreclosure process after three missed payments, but late charges and fees can quickly add up after the first. If youhave missed a payment or are about to, call your servicer immediately and inform them of the situation. If you are unable to work with your servicer,please contact us as soon as possible.

Q. I have received a foreclosure warning, should I move out now?

A. No. You are not required to leave your home until it is the property of another person. Stay in your home to make sure you qualify for any possibleassistance. Call us immediately to speak to a qualified counselor at no charge.

Q. My lender has started foreclosure proceedings. What should I do?A. Contact an attorney immediately. Many counties have lawyer referral services that can assist you in finding an attorney. Some Kentuckians may qualifyfor free legal advice from Legal Aid. Contact us to discover all your options.

Q. What about all the advertisements I see that tell me I can keep my house for a small fee to a private company?

A. There are many unscrupulous people in the world who will take advantage of the panic a homeowner feels when faced with foreclosure. Do not signanything or make any agreement without speaking to a reputable counselor first. Contact us to find a counselor in your area.

Q. My loan is currently in foreclosure. I have called to get reinstatement figures and found that there are foreclosure fees and costs due. Whydo I have to pay these fees?

A. Many mortgage agreements specify that if the servicer has to take legal action, any expenses incurred will become the responsibility of the borrowerfor reimbursement. This would also include any costs for property preservation and would have to be paid in addition to payments that are due.

Q. When does a homeowners legal responsibility stop in the foreclosure process?

A. The property remains the homeowners responsibility until the foreclosure sale has been confirmed. This process can take quite some time dependingon the circumstances and the court schedule. Even if the homeowner has vacated the property, it still remains in their name until the sale has beenconfirmed.

Q. I experienced a foreclosure of my home during this past year. When I went to have my taxes done, I have been informed that I amresponsible for additional tax liabilities. Why does this happen?

A. There are tax consequences to any financial situation, such as a foreclosure. Your tax consultant will be able to explain these consequences. For moreinformation about the effects of foreclosure on your taxes, visit the IRS Web site or contact us to speak to a counselor who can answer many questions.

Q. I lost money on the foreclosure of my home. Can I claim a loss on my tax return?

A. No. Losses from the sale or foreclosure of personal property are not deductible.

Q. If I were to file bankruptcy, would that help me?

A. Bankruptcy will suspend the foreclosure proceedings and give you time to work out a plan through the courts. However, you should speak to aqualified counselor and/or attorney before taking this course of action. Bankruptcy can lead to more financial problems down the road. Call usimmediately to find out your options.




8/10

Q.If I lose my property through foreclosure, will I get any money from the foreclosure sale?

A. Possibly. Before you receive any money, the remaining balance on the mortgage, outstanding property taxes and court fees must be paid first. Usually,there will be little to no money left for you.




9/10

Wednesday, March 30, 2011 LoginResourcesBefore contacting anyone else, call your loan servicer. If you are behind on payments, ask to speak with someone in loss mitigation. Thereare alternatives to foreclosure that may be available to you. Your servicer's name and contact information is listed on the monthly mortgage statement orcoupons you receive to make your payments.

StateLegal Aid AgenciesComplete List of agencies, contact information, and the counties they serve

Better Business BureauThe Better Business Bureau offers the Reliability Report which serves as a business report card. Consumers are encouraged to check the reportbefore they do business with an unfamiliar company.http://www.bbb.org

Kentucky Attorney GeneralThe state's Attorney General protects consumers from crimes of all types.Consumer protection: 1-888-432-9257Identity theft: 1-800-804-7556

http://ag.ky.gov/

Kentucky Cabinet for Health and Family ServicesFood stamps, health care, Medicaid, child care assistance, child support, heating and utility assistance.http://chfs.ky.gov

Kentucky Department of Financial InstitutionsThe state's Department of Financial Institutions supervises the financial services industry.

Beginning January 1, 2009, all mortgagees shall provide the "Notification to Homeowners of the Kentucky HomeownershipProtection Center" document to all Kentucky borrowers, as required by KRS 286.2-020. This form is available to download by going tohttp://www.kfi.ky.gov/nondepository/khpc.htm

.

Consumers can call to check background and license status of their loan officer, file a complaint or to report fraud.1-502-573-33901-800-223-2579http://www.kfi.ky.gov

NationalU.S. Department of Agriculture-Rural Development Office1-800-793-8861www.rurdev.usda.gov

U.S. Department of Housing and Urban Development (HUD)www.hud.gov

U.S. Department of Veterans Affairs (Veterans Administration)1-800-827-1000www.va.gov

Fannie Mae1-800-7FANNIE (1-800-732-6643)www.fanniemae.com

Freddie MacInformation on how to buy a home and avoid foreclosure as well as financial calculators and budgeting tools.www.freddiemac.comCalculators and tools: http://www.freddiemac.com/corporate/buyown/english/calcs_tools/

Federal Trade CommissionConsumer protection, information and complaint procedures.1-877-FTC-HELP (1-877-382-4357)TTY: 1-866-653-4261Main site: www.ftc.gov/Credit repair facts: www.ftc.gov/bcp/conlin/pubs/credit/repair

National Foundation for Credit CounselingConsumer debt advicewww.nfcc.org.

Annual Credit Reportswww.annualcreditreports.com

EquifaxCredit reports, credit fraud protection and credit dispute information.www.equifax.com

ExperianCredit reports, credit fraud protection and credit dispute information.

Page 1 of 2Resources



10/10

LocalCounselors

The Kentucky Homeownership Protection Center works with counseling agencies to provide foreclosure prevention and intervention counselingservices to Kentucky residents. If you are in danger of foreclosure or need budgeting and credit help, contact theProtection Center. Arepresentative will call you to schedule an appointment with a counselor in your area at no cost to you.

Dial 2-1-1Some areas of Kentucky have 2-1-1 service which you can call for additional services. Where available, 2-1-1 can help locate the services youneed including food, utilities, medical care, toiletries, household items, furniture and security deposits for rental units.

The Salvation ArmyThe Salvation Army may have funding available to assist homeowners who are behind on their mortgage payments. Visit the Salvation Army Website to find a location near you.

ChurchesContact your church to find out if they have services available. Churches will often assist parishioners in need.

www.experian.com/

TransUnionCredit reports, credit fraud protection and credit dispute information.www.transunion.com

Internal Revenue ServiceFor Individuals: 1-800-829-1040For Businesses: 1-800-829-4933For Hearing Impaired: 1-800-829-4059 (TDD)Hours of Operation: Monday through Friday, 7 a.m. to 10 p.m. localtime (Alaska & Hawaii follow Pacific Time)

www.irs.gov

Page 2 of 2Resources

kentucky homeownership protection center

Documents