Help in the State of Idaho

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

Foreclosure Help

If you are in foreclosure and need immediate legal assistance, please contact:

• Your private attorney;

• The Idaho State Bar’s Lawyer Referral Service at 208-334-4500;

• The Idaho Volunteer Lawyer’s Program at 208-334-4500; or

• Your local legal aid office (check your phone book or visit www.idaholegalaid.org).

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

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

• The national HOPE Hotline: 888-995-HOPE (4673); or

• Your local legal aid office (check your phone book or visit www.idaholegalaid.org).

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 6 a.m. –  8 p.m. MT and Saturdays 7 a.m. – 4 p.m. MT)

• Citi: 866-272-4749

• JPMorgan Chase: 866-372-6901

• Wells Fargo: 800-288-3212 (Available M-F 6 a.m. –  6 p.m. MT)

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.

Complaints Help

If you have applied for a loan modification, but are having difficulties obtaining a final decision or communicating with your servicer, you may file a complaint with the Attorney General’s Office.

• Consumer complaint forms are available at www.ag.idaho.gov or by calling the Consumer Protection Division at 800-432-3545.

• The Attorney General’s housing specialist—Kathy Ream—is available to answer homeowners’ questions about the national mortgage settlement. To speak to Ms. Ream, call 208-334-4536. You also may email her at Kathy.ream@ag.idaho.gov.

The federal Consumer Financial Protection Bureau accepts consumer complaints about loan servicers on the CFPB’s website at www.consumerfinance.gov. You can speak with a CFPB representative at 855-411-2372.

If you lost money to a foreclosure rescue company or a debt relief organization, file a complaint with the Attorney General’s Office as soon as possible. Complaint forms are available at www.ag.idaho.gov.

Tenant Help

If you are a tenant who lives in a residence undergoing a foreclosure, you have rights under the federal Protecting Tenants at Foreclosure Act. For more information about the law, please visit the Attorney General’s website at www.ag.idaho.gov. If you need legal assistance, please contact:

• Your local legal aid office;

• The Idaho State Bar’s Lawyer Referral Service at 208-334-4500; or

• The Idaho Volunteer Lawyer’s Program at 208-334-4500.

Military Help

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

State Information on Settlement

For detailed information about the national mortgage settlement and how it benefits Idaho homeowners, please visit the Attorney General’s website at www.ag.idaho.gov.