Free foreclosure help in Indiana

Who to call first, by situation

• You are still current but worried about the next payment

  Before you miss a payment

  Call the Indiana Foreclosure Prevention Network (IFPN) at 1-877-GET-HOPE. Its HUD certified counselors give free, confidential counseling and can help you talk to your servicer about options. If property taxes are part of the strain, the Indiana Department of Local Government Finance: Deductions and Credits page has the forms you file with your county auditor.

• You are behind but have not received a notice

  Within days, not weeks

  Contact the Indiana Foreclosure Prevention Network (IFPN) and ask your servicer for a loss mitigation packet. The Indiana Attorney General, Homeowner Protection Unit: Foreclosure Prevention page explains that the whole loss mitigation process is free and can be done directly with your servicer.

• You received a pre-suit notice

  Right away; the lender can file 30 days after sending it

  Call the Indiana Foreclosure Prevention Network (IFPN), which is the organization named on the notice. The Indiana Housing and Community Development Authority: Foreclosure Prevention page shows what the official pre-suit notice looks like, so you can check yours against it.

  Ind. Code § 32-30-10.5-8(a)

• You were served with a summons and complaint

  Within 20 days to respond, and within 30 days to request a conference

  Use Indiana Legal Help: Settlement Conference Request Form for the free form and filing instructions, and apply to Indiana Legal Services for a lawyer at 1-844-243-8570. The Indiana Courts Self-Service Legal Center: Help with Mortgage Foreclosures page lists the documents you will need. If you do not qualify for legal aid, search Indiana State Bar Association: Find a Lawyer.

  Ind. Trial Rule 6(D)(1); Ind. Code § 32-30-10.5-8(c)

• A sheriff's sale date is set

  The same day you get the notice of sale

  Call Indiana Legal Services or a licensed attorney first, then your servicer and the Indiana Foreclosure Prevention Network (IFPN). Call the county sheriff's office to confirm the date and time. An attorney can tell you whether paying off the judgment, a written agreement with the lender, or a bankruptcy filing is realistic in the time left.

  Ind. Code § 32-29-7-7

• Your servicer is not following the rules

  As soon as it happens; keep copies of everything

  Use Indiana Department of Financial Institutions: File a Complaint if your lender or servicer is licensed or chartered by the department; its site explains where to go if it is not. The Indiana Attorney General, Homeowner Protection Unit: Foreclosure Prevention can also help you ask for a loss mitigation review. A complaint does not pause your court case, so keep meeting court deadlines.

• A company contacted you offering to save your home

  Before you sign or pay anything

  Report it to the Indiana Attorney General, Homeowner Protection Unit: Foreclosure Prevention, which enforces the law on foreclosure consultants. Under Indiana law a consultant generally cannot collect a fee before finishing the work, cannot take a lien or a power of attorney, and you can cancel within 7 business days. Counseling from the Indiana Foreclosure Prevention Network (IFPN) is free.

  Ind. Code §§ 37-4-3-1, 37-4-4-2

Official and nonprofit help in Indiana

None of these charge homeowners for foreclosure help.

• Indiana Foreclosure Prevention Network (IFPN)

  State-backed network of HUD certified nonprofit counselors who give free, confidential mortgage default counseling and work with you and your lender.

  1-877-GET-HOPE

• Indiana Housing and Community Development Authority: Foreclosure Prevention

  The state housing agency's page with the official pre-suit notice, the settlement conference notice, and the loss mitigation checklist and forms.

• Indiana Attorney General, Homeowner Protection Unit: Foreclosure Prevention

  Connects homeowners with housing counselors, explains how to request a settlement conference, and takes complaints about foreclosure rescue scams.

• Indiana Courts Self-Service Legal Center: Help with Mortgage Foreclosures

  The court system's page on your right to a settlement conference and the documents that make up the loss mitigation packet.

• Indiana Legal Help: Settlement Conference Request Form

  Free form and step-by-step instructions for asking the court for a foreclosure settlement conference, plus a finder for free and low-cost legal aid.

• Indiana Legal Services

  Statewide nonprofit law firm that gives free civil legal help to eligible low-income Hoosiers; apply online or by phone.

  1-844-243-8570

• Indiana Department of Financial Institutions: File a Complaint

  Takes complaints about mortgage lenders and other financial companies that the department charters or licenses, and explains where to file if it does not regulate your company.

• Indiana State Bar Association: Find a Lawyer

  The state bar's lawyer directory, linked from the Indiana courts' legal help page, where you can search for an attorney by location and practice area.

• Indiana Department of Local Government Finance: Deductions and Credits

  Forms and information for property tax breaks such as the homestead deduction and the Over 65 credit, which are filed with your county auditor.

Indiana Homeowner Assistance Fund (IHAF)

Closed. The program's site says IHAF made its final payments in August 2024, the application portal is closed, and mortgage assistance is currently unavailable. The U.S. Treasury confirms that all Homeowner Assistance Fund awards ended on September 30, 2026. Free counseling is still offered through the Indiana Foreclosure Prevention Network at 1-877-GET-HOPE. Indiana also has property tax credits and deductions for homeowners, such as the Over 65 credit, which you apply for through your county auditor. These lower a tax bill but do not pay a mortgage.

Check the program’s current status

Common questions in Indiana