Resources to Help Avoid Financial Troubles

Uncertain economic times can bring unexpected financial issues for many—ranging from higher household expenses to missed mortgage payments and in some instances, job layoff. Contact your lenders and household utility and service providers to discuss your situation. Also, look at some of the free resources available, especially to homeowners. Here are a few Web sites with resources that can help.

Homeownership Preservation Foundation (888-995-HOPE) provides free 24-hour housing counseling. ACORN Housing provides free counseling. NeighborWorks America, a network of 240 local organizations, offers help to families facing foreclosure.

Department of Housing and Urban Development provides tips and links to HUD-approved housing counselors.