Mortgage Default and Foreclosure Counseling

Informacion en español

If you are behind in your mortgage payments for your primary residence, time is NOT on your side. Being proactive in contacting our agency for assistance can make the difference between keeping your home and losing it to foreclosure.

The Homeownership Resource Center (HRC), a division of Family Services, Inc. is certified by the U.S. Department of Housing and Urban Development as a full service housing counseling agency. The Mortgage Default and Foreclosure Counseling program is designed specifically for homeowners who are behind, or anticipate becoming behind, in their mortgage payments on their primary residence. Professional HRC counselors can help you establish a budget, and determine what strategies are best to prevent foreclosure in your situation. Our licensed and certified housing/financial counselors will discuss these strategies and develop a plan to get you back on track with your mortgage payments. Through this process our counselors can also offer advice and methods to address other financial issues that may be causing your mortgage payment delinquency such as credit card debt, defaulted student loans, medical bills, collection accounts, etc.

Mortgage Default and Foreclosure Counseling is available to all South Carolina and North Carolina residents for their primary residence regardless of income or value of home.

Tips to Avoid Foreclosure (pdf)

Avoiding Foreclosure Scams and Fraud

Mortgage Default and Foreclosure Clinics

North Charleston Area:

Clinics are held on the 1st and 3rd Tuesday of every month in our North Charleston office and on the 3rd Saturday of every month at Trident One Stop. If you are interested in attending a clinic in the North Charleston area, please click on the button below or call 1-888-320-0350 to register.

Clinics Scheduled Throughout South Carolina and North Carolina:

If you cannot attend a clinic in the North Charleston area, please click on the appropriate link below to find a clinic in your area. Once you find a clinic you are able to attend, please call 1-888-320-0350 to register.

Anderson Area	Columbia Area	Florence Area
Greenville Area	Hilton Head Area	Myrtle Beach Area
Rock Hill Area	Spartanburg Area	North Carolina

If you are unable to attend any of the scheduled clinics, please call 1-888-320-0350 to speak with a representative about other options.

What Clients Are Saying About Us:

"You have been wonderful and supportive. [We] finally have hope to save our home." from D.K. and J.K.

"Thank you for your kindness and words that made everything seem more relaxing. Great counselors." from C. R.

"My experience with Family Services, Inc. was very helpful." from A.F.

"This program has become very beneficial for me. It allows me to understand more about my mortgage, financial situation and helps with the problem. Very remarkable for me and many others." from D.D.