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Free foreclosure help in Louisiana

Free foreclosure help is available in Louisiana, and who to call first depends on how far along your case is. The Louisiana Homeowner Assistance Fund is closed, so most help today is free counseling, legal aid and complaint handling. Every organization below is a government office or nonprofit, except the lawyer referral services, which connect you with private attorneys. None of them should charge you an upfront fee to save your home.

Free HUD counselor: (800) 569-4287

Reviewed against Louisiana law and official sources on October 12, 2026. General information, not legal advice.

Ask for help in Louisiana

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 to be

    As soon as you see trouble coming

    Call your servicer and ask about hardship options such as forbearance or a repayment plan. Then contact the Louisiana Housing Corporation at 225-763-8700 to find a free HUD-approved housing counselor.

  • You are behind but have not received a notice of seizure

    Before you are 120 days behind

    Ask your servicer for a loss mitigation application and send everything it asks for. A counselor found through the Louisiana Housing Corporation can help you fill it out and talk with your servicer. This is your best window, because executory process moves fast once it starts.

  • The sheriff served you a notice of seizure

    The same day; your 15-day appeal window has started

    Use the Louisiana State Bar Association, Find Legal Help directory to reach free civil legal aid in your parish, such as Southeast Louisiana Legal Services or Acadiana Legal Service Corporation. Bring the notice of seizure and your mortgage papers.

    La. C.C.P. art. 2642(B)

  • A sheriff's sale date is set

    Today; injunction hearings must happen before the sale

    Call the sheriff's civil division to confirm the date and call your servicer about any pending application. If legal aid cannot take your case, the Louisiana State Bar Association, Lawyer Referral and Information page lists referral services that can connect you with a private attorney.

    La. C.C.P. art. 2752

  • Your servicer is not following the rules

    Before the sale if possible

    File a written complaint with the Louisiana Office of Financial Institutions, Complaints at (225) 925-4660 if the company is one it licenses. Problems with the paperwork or procedure can also be grounds to ask the court to stop the sale, so talk to legal aid too.

    La. C.C.P. art. 2751

  • A rescue company or investor contacted you

    Before you sign or pay anything

    Free HUD-approved counseling is available, so be wary of anyone who charges a fee to stop a foreclosure or asks you to sign over your deed. Report it to the Louisiana Attorney General, Consumer Protection at 1-800-351-4889.

Official and nonprofit help in Louisiana

None of these charge homeowners for foreclosure help.

Louisiana Homeowner Assistance Fund

The Louisiana Homeowner Assistance Fund is closed. The state says applications closed on December 21, 2022 and all funds were paid out by the end of 2023. The Louisiana Housing Corporation can still connect you with free HUD-approved housing counseling.

Check the program’s current status

Common questions in Louisiana

Where can I find a free foreclosure lawyer in Louisiana?

Start with the Louisiana State Bar Association, Find Legal Help directory, which lists free civil legal aid programs by parish, including Southeast Louisiana Legal Services and Acadiana Legal Service Corporation. They serve people with low incomes. If you do not qualify, the bar's Lawyer Referral and Information page lists referral services for private attorneys.

Is the Louisiana Homeowner Assistance Fund still open?

No. The state says applications closed on December 21, 2022 and the funds were paid out by the end of 2023. The federal HAF program itself ended on September 30, 2026. The Louisiana Housing Corporation can still connect you with free HUD-approved counseling.

Who regulates mortgage companies in Louisiana?

The Louisiana Office of Financial Institutions takes written complaints about state-licensed mortgage lenders and other companies it regulates. Some banks are overseen by federal regulators instead. Report unfair or deceptive practices, including rescue scams, to the Louisiana Attorney General, Consumer Protection.

Step by step

More on foreclosure in Louisiana

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 Louisiana overview

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Sources for this page

  1. La. C.C.P. art. 2631, Use of executory proceedings
  2. La. C.C.P. art. 2632, Act importing a confession of judgment
  3. La. C.C.P. art. 2638, Order for issuance of writ of seizure and sale
  4. La. C.C.P. art. 2644, Conversion to ordinary proceeding
  5. La. C.C.P. art. 2722, Advertisement of sale
  6. La. C.C.P. art. 2724, Articles relating to sales under fieri facias applicable
  7. La. C.C.P. art. 2751, Grounds for arresting seizure and sale
  8. La. C.C.P. art. 2752, Injunction procedure
  9. La. C.C.P. art. 2754, Security otherwise required
  10. La. C.C.P. art. 2772, Procedure to obtain deficiency judgment
  11. La. C.C.P. art. 2337, Price insufficient to discharge superior privileges
  12. La. C.C.P. art. 2340, Payment of debt prior to adjudication
  13. La. C.C.P. art. 2343, Sheriff's return after sale
  14. La. C.C.P. art. 2371, Effect of adjudication
  15. La. C.C.P. art. 3721, Methods of enforcing mortgage (Acts 2025, No. 250)
  16. La. C.C.P. art. 1001, Delay for answering
  17. La. C.C.P. art. 4702, Notice to occupant other than tenant to vacate
  18. La. C.C.P. art. 4703, Delivery when premises abandoned or closed
  19. La. C.C.P. art. 4704, Definitions (occupant includes former owner)
  20. La. C.C.P. art. 4731, Rule to show cause why possession should not be delivered
  21. La. C.C.P. art. 4732, Trial of rule; judgment of eviction
  22. La. C.C.P. art. 4733, Warrant for possession
  23. La. C.C.P. art. 4734, Execution of warrant
  24. La. C.C.P. art. 4735, Appeal; bond
  25. La. R.S. 13:4341, Time and place of sale
  26. La. R.S. 13:4346, Writ of possession for purchaser at judicial sale
  27. La. R.S. 13:4363, Appointment of appraisers
  28. La. R.S. 13:4364, Sheriff to appoint appraiser if party does not appoint
  29. La. R.S. 13:4365, Oaths of appraisers; third appraiser
  30. La. C.C.P. art. 2721, Seizure of property; notice
  31. La. C.C.P. art. 2642, Assertion of defenses; appeal
  32. La. C.C.P. art. 2640, Citation unnecessary
  33. La. C.C.P. art. 2753, Security not required in certain cases
  34. La. C.C.P. art. 2723, Appraisal of property, unless waived
  35. La. C.C.P. art. 2771, When deficiency judgment obtainable
  36. La. C.C.P. art. 2331, Publication of notice of sale
  37. La. C.C.P. art. 2336, Minimum price; second offering
  38. La. C.C.P. art. 2373, Distribution of proceeds of sale
  39. La. C.C.P. art. 2293, Notice to judgment debtor
  40. La. R.S. 13:3852, Notices of seizure
  41. La. R.S. 13:4106, Deficiency judgment prohibited if sale made without appraisement
  42. La. R.S. 43:203, Judicial advertisements
  43. Louisiana Office of Community Development, Louisiana Homeowner Assistance Fund
  44. Louisiana Office of Financial Institutions, Complaints