Help in the State of Tennessee

Depending on your situation, there are different organizations that may be able to help you.

Foreclosure Help

If you are in foreclosure or at risk of default, contact the following:

• Free foreclosure prevention counselors – counselor list and more information about housing assistance is available at www.KeepMyTNHome.org

• Legal Aid:
  • Memphis Area Legal Services: 901-523-8822
  • West Tennessee Legal Services: 731-423-0616
  • Legal Aid Society of Middle Tennessee: 800-238-1443
  • Legal Aid Society of East Tennessee: 865-637-0484

• Your servicer.  For a list of servicers and their contact information, click this link: www.makinghomeaffordable.gov/get-answers/pages/get-answers-how-contact-mortgage-company.aspx

Loan Modification Help

If you want a loan modification or refinance under the national mortgage settlement, contact your servicer:

• Ally/GMAC: 800-766-4622

• Bank of America: 877-488-7814 (Available M-F 7 a.m. – 9 p.m. CT and Saturdays 8 a.m. – 5 p.m. CT)

• Citi: 866-272-4749

• JPMorgan Chase: 866-372-6901

• Wells Fargo: 800-288-3212 (Available M-F 7 a.m. – 7 p.m. CT)

If you want a loan modification or refinance and your servicer was not one of the five under the consent judgment, you should contact your servicer anyway. Here is a list of servicer contact information: www.makinghomeaffordable.gov/get-answers/pages/get-answers-how-contact-mortgage-company.aspx

Complaints Help

If you have a complaint about how your servicer is treating you, contact the following:

• The Office of the Tennessee Attorney General and Reporter: 855-690-4899

• The Consumer Financial Protection Bureau: http://www.consumerfinance.gov or 855-411-2372

Settlement Compensation Help

The Settlement Administrator has made payments to most eligible borrowers. The Office of Mortgage Settlement Oversight is not the Settlement Administrator and does not handle or oversee direct payments to consumers within the settlement. If you have questions about your eligibility or compensation under the settlement, please call the Settlement Administrator toll-free at 1-866-430-8358.

Scam Help

If you have been scammed by a foreclosure rescue operator or a debt relief organization, contact the Tennessee Division of Consumer Affairs at 800-342-8385.

Tenant Help

If you are a tenant who lives in residence that was foreclosed upon, you can contact Legal Aid:

• Memphis Area Legal Services: 901-523-8822
• West Tennessee Legal Services: 731-423-0616
• Legal Aid Society of Middle Tennessee: 800-238-1443
• Legal Aid Society of East Tennessee: 865-637-0484

Military Help

If you are a service member experiencing mortgage trouble, contact Military OneSource at 800-342-9647.

Additional Legal Help

You may also consider contacting a private attorney for advice about your mortgage situation. Several city bar associations provide a lawyer referral service which can provide information about attorneys based on legal specialties or geography:

• Knoxville Bar Association: 865-522-7501

• Chattanooga Bar Association: 423-756-3222

• Nashville Bar Association: 615-242-6546

• Memphis Bar Association: go to www.memphisbar.org and click on “Legal Help”

Additionally, Online Tennessee Justice provides free answers to legal questions for people who cannot afford a lawyer.  You may access this service at www.onlinetnjustice.org.