Home and housing balances
Separate a current housing problem from the older balance. Choose the agreement you are dealing with.
Rent and broken leases
Organize the lease, rent ledger, move-out records and notices before discussing a claimed balance. Keep whether you still occupy the home separate from the amount claimed for rent, damage, utilities or ending the lease.
Explore Vehicle and propertyMortgage arrears
If mortgage payments are becoming difficult, CFPB guidance recommends contacting the servicer and a HUD-approved housing counselor early. Start by putting the current mortgage statement, payment history and any notices together.
Explore Vehicle and propertyHELOC and home-equity debt
Put the home-equity agreement beside any other mortgage statements and review each balance separately. If you are considering using home equity to pay cards, CFPB guidance warns that the home is at risk if the new loan is not repaid.
Explore Home and essential servicesHOA and condo assessments
Gather the association ledger, assessment notices and governing documents you already have. Separate regular assessments, special assessments, fees and payments so the claimed total can be checked against specific entries.
ExploreA notice can change the immediate task.
If legal papers or a notice about losing housing or an asset has arrived, read the exact papers and seek the applicable help promptly.
Start with an urgent notice →Get help with your debt
Tell us what you owe and what kind of help you are looking for.