avoid foreclosure in massachusetts

If you’re facing a possible foreclosure in Massachusetts, know that many people have been where you are now. Thinking about losing your house is scary and stressful, but there are ways out of this situation. Avoiding foreclosure isn’t simple, but it’s achievable with effort and guidance through each step.

I know how it feels. The constant dread and sleepless nights worrying about foreclosure can be overwhelming. But I’ve also witnessed the pure joy of finding a solution, finally bringing relief. That’s precisely what I hope for you.

First things first—let’s explore your choices and figure out the most promising route ahead. We’ll stand by your side to secure your home and set things straight again. Are you ready to take this step with us?

Table of Contents:

How to Avoid Foreclosure in Massachusetts

Foreclosure troubles keeping you up at night? If you’re a homeowner in Massachusetts struggling with mortgage payments, remember you’re far from alone. Economic hardships hit many people unexpectedly, but don’t worry—there are strategies explicitly designed to avoid foreclosure and help you retain ownership of your home.

As someone who’s been through the foreclosure process, I know how scary and overwhelming it can be. But with the correct information and support, you can navigate this challenging time and come out on the other side.

Understanding the Foreclosure Process in Massachusetts

The first step in avoiding foreclosure is understanding how the process works in Massachusetts. In this state, lenders must follow a judicial foreclosure process, which means they have to file a complaint in court to start the foreclosure.

After the complaint is filed, you have just 20 days to reply. If you don’t act quickly, the lender can impose a default judgment and set up a foreclosure sale. Respond quickly so you can defend your rights and consider your options.

Exploring Your Options to Prevent Foreclosure

If you’re worried about losing your home in Massachusetts, a few strategies can help prevent foreclosure. Consider these possibilities:

  • Reinstating your loan by paying the past due amount
  • Entering into a repayment plan or forbearance agreement with your lender
  • Applying for a loan modification to make your payments more affordable
  • Considering a short sale or deed-in-lieu of foreclosure

Each choice has advantages and disadvantages, so the best option for you depends on your situation. Before making any decisions, consider all possibilities and get advice from a qualified professional.

Seeking Help from Housing Counseling Agencies

Housing counseling agencies offer excellent support for homeowners dealing with foreclosure in Massachusetts. They give low-cost or even free advice on what steps you can take and assist in working out solutions with your mortgage provider.

Housing counselors can help you budget, consider loan modification options, and even talk to your lender. They also know about other local resources and support services that might be useful.

To find a HUD-approved housing counseling agency near you, visit the HUD website or call the HOPE Hotline at 888-995-HOPE.

Understand Your Rights During Foreclosure

When foreclosure looms over homeowners in Massachusetts, understanding your legal rights becomes essential. Being informed allows you to navigate the situation better and avoid falling prey to deceptive schemes.

Notice of Default and Right to Cure

In Massachusetts, your lender must send you a Notice of Default and Right to Cure at least 90 days before starting foreclosure. This notice informs you of your right to “cure” the default by paying the past due amount, plus any fees and costs, within 90 days.

If you can cure the default, the foreclosure process stops, and your mortgage is reinstated. But if you can’t cure the default, your lender can proceed with the foreclosure.

Right to Request a Loan Modification

Under Massachusetts law, you also have the right to request a loan modification from your lender. A loan modification can help make your mortgage payments more affordable by extending the term, lowering the interest rate, or even reducing the principal balance.

If you qualify, your lender must offer a loan modification unless they prove that foreclosure benefits them more. To boost your chances of approval, make sure you send in a complete application with all the necessary documents.

Servicemembers’ Rights in Massachusetts

If you’re an active duty military servicemember, you have additional protections under the federal Servicemembers Civil Relief Act (SCRA). In Massachusetts, your lender must get court approval before foreclosing on your home while you’re on active duty.

With the SCRA, you can request that any foreclosure processes be paused for nine months after completing active duty service. This grace period allows you to recover financially and explore ways of preventing foreclosure.

Options for Homeowners Facing Foreclosure

Dealing with a potential foreclosure in Massachusetts? Make sure to consider all the avenues available to keep your house. Below are several popular options you can explore:

Reinstating the Loan

If the funds are available, you can reinstate your loan by paying the total amount past due, plus any fees and costs, in one lump sum payment. This can stop the foreclosure process and bring your loan current.

However, many homeowners may not have the financial means to reinstate their loan, significantly if they’ve fallen behind by several months. In that case, other options may be more feasible.

Entering a Repayment Plan or Forbearance Agreement

If you can’t reinstate your loan, your lender may be willing to enter into a repayment plan or forbearance agreement with you. A repayment plan lets you catch up on your missed payments over time by adding a portion of the past-due amount to your regular monthly payment.

A forbearance agreement can give you breathing room by lowering or pausing your mortgage payments. This break might help if you’re dealing with something like losing your job or having medical issues.

Applying for a Loan Modification

A loan modification is a permanent change to the terms of your mortgage that can make your payments more affordable. This may involve extending the term of your loan, lowering the interest rate, or even reducing the principal balance.

If you want to apply for a loan modification, you’ll need to fill out an application and provide documents that show your income, expenses, and any financial hardships you’re facing. Your lender will review your submitted submission and decide if you meet their criteria.

When you start having trouble making your payments, you must be proactive and apply for a loan modification. The sooner you apply, the more options you may have available.

Considering a Short Sale or Deed-in-Lieu

If you’re unable to keep your home, even with a loan modification, you may want to consider a short sale or deed-in-lieu of foreclosure. In a short sale, your lender agrees to let you sell your home for less than the amount owed on your mortgage.

With a deed-in-lieu, you give your home back to the lender, and they let you off the hook for the mortgage. While this can hurt your credit score, it might be less stressful than going through a foreclosure.

Seeking Assistance from Government Organizations and Attorneys

Struggling with a possible foreclosure in Massachusetts? You’re not alone. Plenty of governmental bodies and legal aids exist to inform you about your rights while helping you consider all the possible ways to avoid losing your home.

Contacting the Attorney General’s Consumer Advocacy & Response Division

The Massachusetts Attorney General’s Office has a Consumer Advocacy & Response Division (CARD) that can assist homeowners facing foreclosure. CARD staff can help you understand your rights, file complaints against mortgage lenders or servicers, and connect you with other resources in your community.

Call (617) 727-8400 if you need to reach CARD. You can also go to their website to file a complaint online. The site also has loads of educational materials and guides.

Working with Housing Counseling Agencies

For homeowners facing foreclosure in Massachusetts, turning to housing counseling agencies might be one of the best steps you can take. They offer affordable or accessible guidance on what choices are available and assist in discussions with lenders to find resolutions.

A good housing counselor will assist in crafting a manageable budget while exploring different ways to modify loans. They can also negotiate terms with the mortgage servicer for homeowners like yourself. Additionally, they’ll link you up with local support services, including legal aid and any available financial assistance programs.

Consulting with a Foreclosure Attorney

If you’re facing a complex foreclosure situation or believe your lender has violated your rights under federal or state laws, you may want to consult with a foreclosure attorney. An experienced attorney can review your case, advise you of your legal options, and represent you in court if necessary.

Many legal aid organizations in Massachusetts offer free or low-cost legal services to income-eligible homeowners facing foreclosure. The Massachusetts Legal Services website has a list of legal aid providers.

Reaching out for help early can give you more ways to avoid foreclosure and keep your home. If you’re having trouble with mortgage payments, don’t wait—get assistance now.

Key Takeaway: Struggling to make mortgage payments in Massachusetts? You’re not alone. Understand the foreclosure process, explore loan modifications or repayment plans, and seek help from housing counseling agencies or legal aid. Act quickly to protect your home.

The Role of Bankruptcy in Stopping Foreclosure

If you’re facing foreclosure in Massachusetts, bankruptcy may provide a way to stop the process and keep your home. While it’s not a decision to be made lightly, filing for bankruptcy can give you time to catch up on missed payments or negotiate with your lender.

As a bankruptcy attorney, I’ve witnessed how this legal process can rescue homeowners struggling with mortgage payments.

How Chapter 13 Bankruptcy Can Help

Chapter 13 bankruptcy is often the best option to avoid foreclosure in Massachusetts and keep your home. When you file, the court puts an “automatic stay” on all collection actions against you, including foreclosure.

Under a Chapter 13 plan, you propose a repayment plan to pay off your mortgage arrears over three to five years while continuing to make your regular monthly payments. If approved, you can stay home if you stick to the plan.

Exploring Chapter 7 Bankruptcy Options

Chapter 7 bankruptcy can also temporarily stop foreclosure through the automatic stay. However, it doesn’t provide a long-term solution for saving your home since the lender can resume foreclosure once your case closes.

If you don’t plan to keep your home and need relief from other debts, Chapter 7 could be a good option for a fresh start. It’s crucial to talk with a skilled bankruptcy attorney about your situation so you can explore what’s best for you.

If you’re struggling to make your mortgage loan payments, a loan modification may provide a way to avoid foreclosure in Massachusetts. By changing the original terms of your loan, a modification can make your monthly payment more affordable for the long term.

Getting through the process can be challenging. As someone who’s guided many homeowners, I know that being ready and sticking with it are super important.

Gathering Required Documentation

To apply for a loan modification, you must submit a complete application with proof of income, bank statements, tax returns, a hardship letter, and other supporting documents. Your mortgage servicer should provide a checklist of what’s required.

My advice? Gather everything before you apply. Missing paperwork is one of the top reasons modifications get denied. If you need help, a HUD-approved housing counseling agency can assist you for free.

Understanding Eligibility Criteria

Each loan modification program has its guidelines, but most require that you’ve suffered a financial hardship, have enough income to support a modified mortgage payment, and meet other criteria related to your loan-to-value ratio and delinquency status.

Fannie Mae and Freddie Mac, which hold many mortgages, have specific modification programs with set rules based on federal regulations. Understanding what’s required for your situation can help you determine whether you might qualify.

Communicating with Your Mortgage Servicer

During the loan modification process, keep in touch with your mortgage servicer. Answer their requests for more documents quickly and check on your application’s progress regularly.

Keep detailed records of all your communications. If your servicer is unresponsive or denies your application unfairly, you can submit a complaint to the Consumer Financial Protection Bureau (CFPB). Remember, you have the right to be considered for all available loss mitigation options, including a modified mortgage loan.

Exploring Refinancing Options to Avoid Foreclosure

Refinancing your current mortgage can be an intelligent way to avoid foreclosure in Massachusetts, especially if you have built up some equity and only faced temporary financial trouble. By swapping out your existing loan for a new one, you might snag a lower interest rate and reduce those monthly payments.

But qualifying can be tricky if you’ve already missed payments, which has likely damaged your credit score. Government programs like the Home Affordable Refinance Program (HARP) may provide refinancing options if you’re underwater on your loan.

If you want to stay on track, begin researching early on before falling behind in the process. Discuss things with your current lender, or check out what other mortgage lenders offer. These firms must be reliable. Watch out for scams, use secure websites, and avoid upfront fees for refinancing advice.

The Importance of Acting Quickly and Seeking Guidance

If there’s one thing I hope you take away, it’s this: the sooner you take action to avoid foreclosure in Massachusetts, the more options you’ll have. Foreclosure is a process, and the further behind you fall, the harder it becomes to catch up.

Seeking guidance is equally important. A HUD-approved housing counselor or qualified attorney can be your best ally, helping you understand your rights and navigate the complex web of foreclosure prevention options. Their services are often free or low-cost.

Remember, you’re not alone in this. No matter how dire your situation may seem, trained advisers are ready to help you discuss options and make a plan. The key is to reach out now, before it’s too late. With the proper support and free guidance, we can continue helping you find a way forward and keep a roof over your head.

Key Takeaway: Filing for bankruptcy can halt foreclosure and offer a chance to catch up on missed payments. Chapter 13 helps you keep your home with a repayment plan, while Chapter 7 offers temporary relief. Act quickly, seek professional guidance and explore loan modifications or refinancing options early.


Avoiding foreclosure in Massachusetts isn’t easy, but it’s possible. You’ve learned about options, from loan modifications to short sales to bankruptcy. You’ve seen the importance of acting quickly and seeking help from professionals who can guide you.

The good news? You’re never on your own in this process. There are resources like housing counselors, foreclosure attorneys, and various government initiatives designed to assist whenever needed.

Don’t lose hope. Keep fighting for your home and exploring every option available to you. With the proper assistance and mindset, avoiding foreclosure in Massachusetts is possible, leading you back toward financial stability. I have faith in you; you’ve got this.