What to do after you receive foreclosure papers

Foreclosure is the legal process a lender uses to take your home. If you have received foreclosure papers, don’t wait. Take action.

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Understanding the Basics

See what you need to know to take action.

If you haven’t paid your mortgage payment for several months, your lender may file for foreclosure against you in court. The official notification will come from the Clerk of Court's office. Don’t ignore this—open it now and take action.

File a foreclosure answer.

You must file an answer with the court within 28 days. This is true even if you’re talking to your lender about other options. If you do not file an answer you will lose your home.

To file an answer, fill out this form and take it to your Clerk of Court's office.

Talk to an attorney.

Defending yourself from foreclosure can be complicated. You should consult an attorney for legal advice or representation if you can. If you cannot afford an attorney, you may be able to get help with your foreclosure from your local legal aid organization. Go to Legal Help and Lawyers to find help in your area.

Look out for scams.

There are scammers who try to take advantage of people who are trying to save their homes. Some common tactics they use are:

  • Asking for cash so that they can “negotiate” a loan modification for you.
  • Advising you to avoid contacting an attorney or your lender.
  • Suggesting that you deed your house to them and then rent it back from them.
  • Posing as the federal government offering you “special bailout funds.” 

To keep yourself safe from scammers:

  • Get promises in writing.
  • Read the fine print and understand what you sign.
  • Don’t sign anything with blank lines or spaces.
  • Never sign over the deed to your home (unless you are selling it).
  • Never give out personal information.
  • Never pay someone who is not your lender or loan servicer.

Read more to learn about each step of the foreclosure process in Ohio.

Forms and Letters

Find forms and letters that you can fill out yourself.

Local Government and Community Resources

Find courts and helpful resources in your community.