Monday, September 21, 2009

Foreclosure - Don't Panic - Option Number 1- Reinstatement of Mortgage

Negotiate a workout with the lender with the help of a free housing counselor.
You may be able to reinstate your mortgage by making all the missed payments plus fees and interest the lender charges you.

Pennsylvania law allows a mortgage to be reinstated a maximum of three times in one calendar year and allows a reinstatement to occur all the way up to one hour before the bidding at the foreclosure sale.

The following is a list of approved free housing counselors in Philadelphia.

ACORN HOUSING CORPORATION
846 N Broad St 2nd floor
Philadelphia, PA 19130-2234
Phone: 215-765-1221    Fax: 215-765-0045
Type of Counseling:
Default/Foreclosure Counseling, Prepurchase Counseling

ASOCIACION PUERTORIQUENOS EN MARCHA
600 West Diamond Street
Philadelphia, PA 19122
Phone: 215-235-6070    Fax: 215-235-7335
E-mail: eaponte@amphousing.org
Type of Counseling:
Prepurchase Counseling, Rental Counseling, Default/Foreclosure Counseling

CENTRO PEDRO CLAVER, INCORPORATED
3565 N 7th St
Philadelphia, PA 19140-4401
Phone: 215-227-7111    Fax: 215-227-7105
E-mail: centro@Libertynet.org
Type of Counseling:

CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY
1608 Walnut St., 10th Floor
Philadelphia, PA 19103
p. 800-989-2227 or 215-563-5665
f. 215-563-7020
info@cccsdv.org
Type of Counseling:
Prepurchase Counseling, Default/Foreclosure Counseling, HECM Counseling, Rental Counseling

DIXON OF DIVERSIFIED COMMUNITY SERVICES
1920 S. 20th Street
Philadelphia, PA 19146
Phone: 215-336-3511   Fax: 215-551-4327
E-mail: demetra.hilton@verizon.com
Type of Counseling:
Prepurchase Counseling, Default/Foreclosure Counseling, Rental Counseling

GERMANTOWN SETTLEMENT
218 W. Chelten Avenue
Philadelphia, PA 19144
Phone: 215-849-3104    Fax: 215-843-7264
Type of Counseling:
Default/Foreclosure Counseling, Prepurchase Counseling, Rental Counseling

HISPANIC ASSOCIATION OF CONTRACTORS AND ENTERPRISES
167 W. Allegheny Avenue, Suite 200
Philadelphia, PA 19140
Phone: 215-426-8025    Fax: 215-426-9122
Type of Counseling:
Prepurchase Counseling, Default/Foreclosure Counseling, Rental Counseling

HOUSING ASSOCIATION INFORMATION PROGRAM
658-60 N Watts St
Philadelphia, PA 19123-2422
Phone: 215-978-0224    Fax: 215-765-7614
Type of Counseling:
Default/Foreclosure Counseling, Rental Counseling, Prepurchase Counseling

HOUSING CONSORTIUM FOR DISABLED INDIVIDUALS
4701 Pine Street
Philadelphia, PA
Phone: 215-528-5056    Fax: 215-528-5848
E-mail: HCDIhelps@aol.com
Type of Counseling:
Rental Counseling, Prepurchase Counseling, Default/Foreclosure Counseling

INTERCULTURAL FAMILY SERVICES, INCORPORATED
4225 Chestnut St
Philadelphia, PA 19104-3014
Phone: 215-386-1298    Fax: 215-386-9348
E-mail: ifsi@isfinc.org
Website: www.ifsinc.org
Type of Counseling:
Rental Counseling, Prepurchase Counseling, Default/Foreclosure Counseling, HECM Counseling

KOREAN COMMUNITY DEVELOPMENT SERVICES CENTER
6053-55 North 5th Street
Philadelphia, PA 19120
Phone: 215-276-8830    Fax: 215-224-8150
Type of Counseling:
Prepurchase Counseling, Default/Foreclosure Counseling, HECM Counseling, Rental Counseling

MOUNT AIRY, U S A
6639-41 Germantown Ave
Philadelphia, PA 19119
Phone: 215-844-6021    Fax: 215-844-9167
Type of Counseling:
Rental Counseling, Default/Foreclosure Counseling, Prepurchase Counseling

NATIONAL ASSOCIATION OF REAL ESTATE BROKERS HOUSING COUNSELING AGENCY OF PHILADELPHIA
1420 W. Susquehanna
Philadelphia, PA 19121
Phone: 215-235-3737    Fax: 215-763-3799
E-mail: C21H37004@AOL.COM
Type of Counseling:
HECM Counseling, Default/Foreclosure Counseling, Rental Counseling, Prepurchase Counseling

NEW KENSINGTON COMMUNITY DEVELOPMENT CORPORATION
2513-15 Frankford Ave
Philadelphia, PA 19125-1708
Phone: 215-427-0322    Fax: 215-427-1302
Website: www.newkensingtoncdc.com
Type of Counseling:
Default/Foreclosure Counseling, Prepurchase Counseling

NORTHWEST COUNSELING SERVICE
5001 N Broad St
Philadelphia, PA 19141-2217
Phone: 215-324-7500    Fax: 215-324-8753
E-mail: nwcs@erols.com
Type of Counseling:
HECM Counseling, Default/Foreclosure Counseling, Rental Counseling, Prepurchase Counseling

NUEVA ESPERANZA, INCORPORATED
4261  N.  5th Street
Philadelphia, PA 19140
Phone: 215-324-0746    Fax: 215-324-2542
E-mail: motero@nueva.org
Website: www.nueva.org
Type of Counseling:
Prepurchase Counseling, Default/Foreclosure Counseling

PHILADELPHIA COUNCIL FOR COMMUNITY ADVANCEMENT
100 N 17th St Ste 700
Philadelphia, PA 19103-2736
Phone: 215-567-7803    Fax: 215-567-2236
Toll-Free: 800-930-4663
E-mail: mail@philapcca.org
Website: www.philapcca.org
Type of Counseling:
HECM Counseling, Prepurchase Counseling, Default/Foreclosure Counseling, Rental Counseling

PHILADELPHIA HOUSING DEVELOPMENT CORPORATION
1234 Market St 17th Fl
Philadelphia, PA 19107-3721
Phone: 215-448-3132    Fax: 215-448-3188
E-mail: thomasroberta@hotmail.com
Type of Counseling:
Prepurchase Counseling, Rental Counseling

PHILADELPHIA NEIGHBORHOOD HOUSING SERVICES, INCORPORATED
511 North Broad St 4TH Floor
Philadelphia, PA 19123
Phone: 215-988-9879    Fax: 215-988-1297
Type of Counseling:
Prepurchase Counseling, Default/Foreclosure Counseling

UNEMPLOYMENT INFORMATION CENTER
1201 Chestnut Street,  #702
Philadelphia, PA 19107
Phone: 215-557-0822    Fax: 215-557-6981
Type of Counseling:
Default/Foreclosure Counseling

URBAN LEAGUE OF PHILADELPHIA
251-53 S. 24th St
Philadelphia, PA 19103-5529
Phone: 215-451-5005    Fax: 215-451-5006
E-mail: rwsulp@aol.com
Type of Counseling:
Default/Foreclosure Counseling, Prepurchase Counseling, Rental Counseling, HECM Counseling

Take care and good luck.

Stephen M. Dunne, Esq.
Dunne Law Offices, P.C.
(215) 854-6342
1500 JFK Blvd, Two Penn Center, Suite 200
Philadelphia, PA 19102
dunnelawoffices@gmail.com
www.dunnelawoffices.com