Indiana · Weigh your options

Foreclosure mediation in Indiana

Indiana gives homeowners a legal right to a court settlement conference with the lender after a foreclosure is filed against their home. You must ask the court within 30 days of being served, and it costs you nothing. The Indiana Supreme Court's Mortgage Foreclosure Trial Court Assistance Project pays trained facilitators to run these conferences.

Ask for help in Indiana Free HUD counselor: (800) 569-4287

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

How foreclosure mediation works in Indiana, step by step

Who qualifies
Foreclosures filed after July 1, 2009
Homeowners in foreclosure cases filed after July 1, 2009 have the right to ask for a settlement conference, a face to face meeting with the lender's representative to try to work out a deal before the foreclosure goes forward. The summons must include a notice of this right.
Ind. Code § 32-30-10.5-8
Ask the court within 30 days
Within 30 days after you are served with the complaint
Fill out the Settlement Conference Request Form and return it to the court at the address on your summons, then send a copy to the lender's attorney. Or call the court at the number on the summons, or go to the court in person.
Ind. Code § 32-30-10.5-8
No cost and the court waits
After you ask
There is no cost to you. Once you ask, the court refers the case to a facilitator for your county, and the court should hold the conference 40 to 60 days after its notice of the conference.
Ind. Code §§ 32-30-10.5-8.5, 32-30-10.5-10
Bring your loss mitigation package
Before the conference
Indiana's courts list what to bring: a financial worksheet, a hardship letter, a Dodd-Frank certification, a Request for Modification and Affidavit, IRS Form 4506T-EZ, an authorization to release information, and copies of supporting documents.
Ind. Code § 32-30-10.5-10(i)
Who can help you
Two weeks or more before the conference
You can have a lawyer or a mortgage foreclosure counselor with you, in person or by phone. The court form says to contact the Indiana Foreclosure Prevention Network at 1-877-438-4673 two weeks or more before the conference if you need one.
What a conference can include
During the conference
Facilitators can hold a phone conference, a settlement conference and one follow-up conference if it is likely to help. The conference is confidential, but some documents, such as the final report and the report on a phone conference, are public record.
If there is no agreement
After the conference
The settlement conference does not decide the case. If you and the lender do not reach a deal, the foreclosure case can continue, so keep meeting every court deadline and keep a copy of everything you send.

The program in Indiana

Foreclosure mediation

Program available

Yes. If the lender has filed to foreclose on your primary residence, you have a right to a court settlement conference with the lender. You must ask the court within 30 days after you are served, using the request form, a phone call, or a visit to the court named on your summons. There is no cost to you, and the court must wait to rule for the lender until the conference is over. Courts can refer cases to a facilitator through the Indiana Supreme Court's Mortgage Foreclosure Trial Court Assistance Project. You do not get this right if the home is not your primary residence, if you already defaulted on an earlier foreclosure prevention agreement, or if the court finds a conference would be of little value after past workout efforts.

Official program page

Never pay an upfront fee to stop a foreclosure.

Once a foreclosure is public record, strangers will call, text and mail you with offers to “save your home.” Under federal law a company cannot collect a fee for mortgage relief until you have a written offer from your lender that you accept. Never sign over your deed, and never send your mortgage payment to anyone but your servicer. How to spot a foreclosure rescue scam.

Indiana law: Yes. Indiana's mortgage rescue protection fraud law covers foreclosure consultants and people who take title to your home and promise to sell or lease it back. A consultant must give you written notice of your rights first, generally cannot be paid until all promised services are done, cannot take a lien, a power of attorney, or an interest in your home, and you can cancel the contract until midnight of the 7th business day after signing. The law was moved from Ind. Code art. 24-5.5 to art. 37-4 in a 2026 recodification. Violations can be reported to the Attorney General. (Ind. Code §§ 37-4-3-1, 37-4-4-2 (formerly Ind. Code art. 24-5.5))

Common questions in Indiana

Is an Indiana foreclosure settlement conference confidential?

The conference itself is a free, confidential service. But the court form warns that some documents, like the facilitator's final report and the report on the outcome of a phone conference, are public record.

How soon will my Indiana settlement conference be held?

After you ask, the court should hold the conference 40 to 60 days after its notice of the conference. Use that time to finish your loss mitigation package and meet with a foreclosure counselor.

Who runs the settlement conference in my Indiana county?

A court-appointed facilitator. Under the Indiana Supreme Court's Mortgage Foreclosure Trial Court Assistance Project, judges refer facilitators who then contract with the Indiana Office of Court Services, which pays for the scheduling, phone conference, settlement conference and one follow-up per case.

Step by step

Free help anywhere in the country

HUD-approved housing counselors
Free foreclosure prevention counseling from agencies approved by the U.S. Department of Housing and Urban Development. A counselor can review your budget and deal with your servicer alongside you.
(800) 569-4287
CFPB: help for struggling homeowners
Plain-language guides from the Consumer Financial Protection Bureau, and a complaint form if your mortgage servicer is not following the rules.
Legal Services Corporation: find legal aid
Find the free civil legal aid office for your county if you have been served with a foreclosure lawsuit or given a sale date and cannot afford a lawyer.

Ask a question

Need help avoiding foreclosure in Indiana?

Tell us where things stand. A person reads every message and writes back with the options that fit your situation and the free, official help available in Indiana.

Free. There is nothing to buy and no fee, ever.
No loan number, Social Security number or documents needed.
We are not your lender, a law firm or a government agency.

If a sale is days away, do not wait for an email. Call a free HUD-approved housing counselor now at (800) 569-4287.

Your first name

State where the home is

Phone (optional if you gave an email)

Where are things right now?

Type of mortgage

What do you want most?

Anything else we should know? (optional)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.

Foreclosure mediation in Indiana

How foreclosure mediation works in Indiana, step by step

Who qualifies

Ask the court within 30 days

No cost and the court waits

Bring your loss mitigation package

Who can help you

What a conference can include

If there is no agreement

The program in Indiana

Foreclosure mediation

Common questions in Indiana

More on foreclosure in Indiana

Understand the process

Weigh your options

Get help now

Free help anywhere in the country

HUD-approved housing counselors

CFPB: help for struggling homeowners

Legal Services Corporation: find legal aid

Need help avoiding foreclosure in Indiana?

Sources for this page