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How to Avoid
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Free foreclosure help in Alabama

Free and low cost help exists in Alabama, but the timeline is short, so call early. Start with your servicer and a HUD approved housing counselor, then bring in legal aid if a sale notice has run. None of these services should charge you a fee up front.

Free HUD counselor: (800) 569-4287

Reviewed against Alabama law and official sources on October 11, 2026. General information, not legal advice.

Ask for help in Alabama

Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.

For example: a sale date, what your servicer has told you, or what changed in your income. Please do not include your loan number, Social Security number or bank details.

Free, and there is nothing to buy. A person reads your message and replies by email, or by phone if you leave a number. We never ask for a fee and we do not sell your details. See the privacy policy.

Who to call first, by situation

  • You are not behind yet but expect trouble

    Now, before you miss a payment

    Call your servicer and ask about hardship options. A HUD approved housing counselor can review your budget and options at no cost.

  • You are behind but have no sale notice

    Within days

    Send your servicer a complete loss mitigation application and keep copies. You can also call the number on the Alabama Center for Dispute Resolution, Foreclosure Mediation page to ask whether you qualify for voluntary mediation.

  • A sale notice has been published or mailed

    Immediately

    Call Legal Services Alabama at 866-456-4995 to apply for free legal help. If you do not qualify, the Alabama State Bar Lawyer Referral Service can connect you with a private attorney.

  • A sale date is set

    The same day you learn of it

    Ask the foreclosing attorney named in the notice for the reinstatement amount in writing, and call Legal Services Alabama. Use AlabamaLegalHelp.org: Foreclosure to read about your options while you wait for a call back.

  • Your servicer is not following the rules

    As soon as it happens

    File a written complaint with the Alabama State Banking Department, File a Complaint page for state licensed lenders and servicers. You can also file with the Alabama Attorney General, Consumer Complaint.

  • A rescue company contacted you

    Before you sign or pay anything

    Do not pay up front fees or sign over your deed. Report the company to the Alabama Attorney General, Consumer Complaint hotline at 1-800-392-5658.

Official and nonprofit help in Alabama

None of these charge homeowners for foreclosure help.

Mortgage Assistance Alabama (Homeowner Assistance Fund)

Mortgage Assistance Alabama was the state's Homeowner Assistance Fund program, run by the Alabama Housing Finance Authority. It is closed. The U.S. Treasury states that the Homeowner Assistance Fund ended on September 30, 2026 and states can no longer pay out help from it. We did not find another state run mortgage assistance program that is open today.

Check the program’s current status

Common questions in Alabama

Is there free foreclosure legal help in Alabama?

Yes. Legal Services Alabama takes applications for free civil legal aid at 866-456-4995 in English and 888-835-3505 in Spanish, and online. You must meet its eligibility rules.

Who regulates mortgage companies in Alabama?

The Alabama State Banking Department takes complaints about banks and state licensed lenders through its Consumer Affairs office. Its page explains how to download, complete and mail the complaint form.

Is Mortgage Assistance Alabama still taking applications?

No. That program was funded by the federal Homeowner Assistance Fund, which the U.S. Treasury says ended on September 30, 2026. We did not find another state mortgage assistance program open today.

Step by step

More on foreclosure in Alabama

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

Back to the Alabama overview

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Sources for this page

  1. U.S. Courts: Chapter 13 Bankruptcy Basics (automatic stay)
  2. Code of Alabama (Alabama Legislature, ALISON): §§ 35-10-8, 35-10-12, 35-10-13, 35-10-14
  3. U.S. Treasury: Homeowner Assistance Fund (program ended September 30, 2026)
  4. CFPB: 12 C.F.R. § 1024.41 Loss mitigation procedures
  5. Alabama Center for Dispute Resolution: Foreclosure Prevention Mortgage Modification Mediation Program
  6. Alabama Attorney General: Consumer Complaint
  7. Alabama State Banking Department: File a Complaint
  8. AlabamaLegalHelp.org: Foreclosure