Free Foreclosure Help
Find Your Area Below
HOAPnet HOAP Counselors provide completely free foreclosure prevention services to homeowners throughout New York, North Carolina, Florida, South Carolina, Georgia, and Alabama. Find your state and county below — or call us now for same-day help.
Free Services Available in Every Service Area
Every service below is provided at zero out-of-pocket cost to qualifying homeowners in all six HOAPnet states — regardless of your county.
Loan Modification
Full application preparation, submission, and lender follow-up to permanently lower your mortgage payment.
Forbearance & Repayment Plans
Temporary payment pause or arrears repayment arrangement for temporary hardship situations.
Settlement Conference Support
NY mandatory CPLR § 3408 conference preparation and attendance — the most powerful homeowner protection in the nation.
Short Sale Coordination
End-to-end short sale management including lender approval, deficiency waiver negotiation, and closing coordination.
Deed-in-Lieu Negotiation
Voluntary deed transfer to lender including deficiency waivers and cash-for-keys negotiation.
Cash Sale Facilitation
Fast-close cash buyer connections for urgent situations with sale closing in 7–21 days.
Foreclosure Defense Referrals
Identification of RPAPL § 1304, standing, and other legal defenses — referral to free foreclosure defense attorneys.
Bankruptcy Referrals
Chapter 13 automatic stay stops foreclosure immediately. HOAPnet refers to bankruptcy attorneys when appropriate.
Estate & Inherited Property
Specialized guidance for heirs, executors, and surviving spouses with inherited properties in foreclosure.
Foreclosure Type & Timeline — All 6 Service States
The most important thing to know about your state is whether it uses judicial or non-judicial foreclosure — this determines your timeline and legal rights.
| State | Foreclosure Type | Min. Timeline | Typical Timeline | Key Homeowner Protection | HOAPnet Coverage |
|---|---|---|---|---|---|
| 🗽 New York | Judicial | 6 months | 18–36 months | Mandatory CPLR § 3408 settlement conference; RPAPL § 1304 90-day notice | All 62 counties |
| ☀️ Florida | Judicial | 3 months | 6–18 months | Court oversight; loss mitigation review required before judgment | All 67 counties |
| 🌊 South Carolina | Judicial | 4 months | 6–12 months | Master-in-Equity court oversight; 120-day federal waiting period | All 46 counties |
| 🌲 North Carolina | Non-Judicial | 60 days | 60–120 days | Clerk of Superior Court hearing; 10-day upset bid period after sale | All 100 counties |
| 🌺 Alabama | Non-Judicial | 49 days | 49–90 days | 1-year right of redemption after sale; 21-day publication required | All 67 counties |
| 🍑 Georgia | Non-Judicial | 37 days | 37–60 days | 1-year right of redemption; 4-week publication; sale on first Tuesday | All 159 counties |
Every Hardship HOAPnet Helps With — In All 6 States
No matter why you fell behind — HOAPnet has seen it and can help. All services remain free regardless of your hardship type or location.
Behind on your mortgage? Same-day free help — anywhere in our 6 states.
Call (516) 336-9293 or submit online. HOAPnet HOAP Counselors respond the same day.
New York — Free Foreclosure Help
Judicial foreclosure state · Mandatory CPLR § 3408 settlement conference · 18–36 month typical timeline · RPAPL § 1304 90-day pre-foreclosure notice required · All 62 counties served
Full statewide coverage: HOAPnet serves homeowners in all 62 New York counties — including Long Island (Suffolk, Nassau), all five NYC boroughs (Brooklyn/Kings, Queens, Bronx, Manhattan, Staten Island/Richmond), Hudson Valley (Westchester, Rockland, Orange, Putnam, Dutchess, Ulster), and Upstate NY (Albany, Erie/Buffalo, Monroe/Rochester, Onondaga/Syracuse, and all others). If your county is not listed below as a dedicated page, call (516) 336-9293 — HOAPnet serves you regardless.
Additional NY counties served (call for direct help):
North Carolina — Free Foreclosure Help
Non-judicial foreclosure state · Power of sale · 60–120 day timeline · Clerk of Superior Court hearing · 10-day upset bid period after sale · All 100 counties served
Full statewide coverage: HOAPnet serves homeowners in all 100 North Carolina counties — including the Charlotte-Mecklenburg metro, Triangle (Raleigh-Durham-Chapel Hill), Triad (Greensboro-Winston-Salem-High Point), Coastal plain, and Western NC mountains. Every NC homeowner qualifies for free HOAPnet services.
Additional NC counties served (call for direct help):
Florida — Free Foreclosure Help
Judicial foreclosure state · Lis pendens required · 6–18 month typical timeline · Court oversight · Loss mitigation review before judgment · All 67 counties served
Full statewide coverage: HOAPnet serves homeowners in all 67 Florida counties — from South Florida (Miami-Dade, Broward, Palm Beach) to Central Florida (Orange/Orlando, Hillsborough/Tampa, Pinellas/St. Pete), to North Florida (Duval/Jacksonville) and Southwest Florida (Lee/Fort Myers, Collier/Naples, Sarasota). Every FL homeowner qualifies.
Additional FL counties served (call for direct help):
South Carolina — Free Foreclosure Help
Judicial foreclosure state · Master-in-Equity court process · 6–12 month typical timeline · 120-day federal waiting period · All 46 counties served
Full statewide coverage: HOAPnet serves homeowners in all 46 South Carolina counties — from the Midlands (Richland/Columbia, Lexington), Upstate (Greenville, Spartanburg), Low Country (Charleston, Beaufort, Jasper), and Grand Strand (Horry/Myrtle Beach) regions.
Additional SC counties served (call for direct help):
Georgia — Free Foreclosure Help
Non-judicial foreclosure state · Power of sale · As fast as 37 days · Sale on first Tuesday of month · 1-year right of redemption after sale · All 159 counties served
Full statewide coverage: HOAPnet serves homeowners in all 159 Georgia counties — including the Atlanta metro (Fulton, Gwinnett, Cobb, DeKalb, Clayton, Cherokee, Forsyth, Henry, Douglas, Paulding), Central GA (Bibb/Macon, Baldwin), Coastal (Chatham/Savannah), Augusta area (Richmond, Columbia GA), Columbus area (Muscogee, Russell AL) and all other counties.
Additional GA counties served (call for direct help):
Alabama — Free Foreclosure Help
Non-judicial foreclosure state · Power of sale · 49–90 day timeline · 3-week published notice · 1-year right of redemption after sale · All 67 counties served
Full statewide coverage: HOAPnet serves homeowners in all 67 Alabama counties — including Jefferson (Birmingham), Madison (Huntsville), Mobile, Montgomery, Shelby, Tuscaloosa, Baldwin, Lee (Auburn-Opelika), Russell (Phenix City), Calhoun (Anniston), Etowah (Gadsden), Lauderdale (Florence), Limestone (Athens), Morgan (Decatur), and all other AL counties.
Additional AL counties served (call for direct help):
Don't See Your County Listed?
HOAPnet serves homeowners throughout all 6 states — not just counties with dedicated pages. Call or submit online and a HOAP Counselor will help you regardless of your specific county.
Understanding Foreclosure Type Badges
Lender must file a lawsuit and obtain a court judgment. Timeline: 6 months to 3+ years. Homeowners have more time, more legal checkpoints, and more protections. NY, FL, SC counties.
No court filing required — lender uses a power-of-sale clause. Can complete in 37–120 days. Far less homeowner protection. NC, GA, AL counties — act immediately.
Non-judicial state with the fastest timelines (GA: 37 days, AL: 49 days). If you own in one of these counties and are behind — contact HOAPnet today.