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Lori Elswick 2010 LoCAR President

If you’ve been served with a mortgage foreclosure lawsuit the worst thing you can do is stick your head in the sand and pretend it will just “go away.” Since this process could result in the loss of your home, you should take action immediately if you wish to keep your home.

You have just 28 days to file answers to the numbered complaints listed in the summons. If you do not answer, a default judgment may be rendered against you, which may result in the court ordering the sale of your property.

According to the office of Ron Nabakowski, Lorain County Clerk of Court of Common Pleas you should seek legal advice from an attorney. If you cannot afford an attorney, you should contact Ohio’s official “Save the Dream” program at (888) 404-4674 (toll free).

Lorain County is also served by many non-profit, HUD approved housing counselors. They have a special expertise in working with lenders and loan servicers. If you’ve been served with a mortgage foreclosure lawsuit, valuable help is available … for FREE! Contact one of these counselors at the numbers listed below.

-- Legal help: Ohio’s official “Save the Dream” hotline: toll free: (888) 404-4674.

-- Non-profit HUD-approved housing counselors:

Empowering & Strengthening Ohio’s People (ESOP): (877) 731-3767
Lorain County Urban League: (440) 323-3364, ext 22
Lorain County Community Action: (440) 204-3155
Housing Services Program: (440) 204-4100
Consumer Credit Counseling Service: (800) 355-2227

You can also visit the Lorain County Clerk of Court of Common Pleas website: www.loraincounty.com/clerk for additional information.

Please keep in mind that this information should not be considered as legal advice.

Members of the Lorain County Association of REALTORS® care about the community in which they live, work and support. Act today and it may still be possible to save your home!

The Lorain County Association of REALTORS® is one of more than 1,200 local boards and associations of REALTORS® nationwide that comprise the National Association of REALTORS®. The National Association of REALTORS®, “The Voice for Real Estate,” is America’s largest trade association, representing more than one million members involved in all aspects of the residential and commercial real estate industries.

The Lorain County Association of REALTORS® offers a website that provides a complete listing of REALTOR® real estate brokerages in Lorain County, contact information for REALTOR® members, and industry associates. If you are a first time homebuyer or a repeat buyer consider www.MyNewCommunity.net or www.LoCAR.org as a good source for Lorain County REALTOR® information.

REALTOR® is a registered collective membership mark which may be used only by real estate professionals who are members of the National Association of REALTORS® and subscribe to its strict Code of Ethics. Not all real estate sales agents are REALTORS®. All REALTORS® are members of NAR along with their State and Local Associations.