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Free foreclosure help in Wyoming

Free help is available in Wyoming at every stage, and none of it should cost an upfront fee. Start with your servicer and a HUD-approved housing counselor, and contact Legal Aid of Wyoming as soon as you get a notice of intent to foreclose.

Free HUD counselor: (800) 569-4287

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

Ask for help in Wyoming

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 a payment is missed

    Call your servicer and ask what options exist. If your loan is through the state housing finance agency, start with Wyoming Community Development Authority: Homeowners, and talk with a HUD-approved housing counselor about your budget.

  • You are behind but have no notice

    Within the first 120 days

    Work with a HUD-approved housing counselor to send a complete loss mitigation application. Wyoming Department of Family Services: Housing, Utilities and Energy Assistance lists other housing and utility help; its Homeowner Assistance Fund is closed.

  • You received a notice of intent to foreclose or a notice of sale

    The same week

    Apply to Legal Aid of Wyoming for free civil legal help at 877-432-9955. Equal Justice Wyoming and Wyoming Judicial Branch: Legal Help can point you to other free legal information and services.

  • You were served with a foreclosure lawsuit

    The day you are served

    Contact Legal Aid of Wyoming right away, because the summons has a short deadline. If you do not qualify, use Wyoming State Bar: Need Help Finding a Lawyer? to find a private lawyer.

  • Your sale date is set

    Immediately

    Call Legal Aid of Wyoming, or find a private lawyer through Wyoming State Bar: Need Help Finding a Lawyer? about bankruptcy or a court challenge. Call the person named in the notice of sale to confirm the date.

  • Your servicer is not following the rules

    As soon as it happens

    File a complaint with Wyoming Division of Banking: How to File a Complaint, which handles state-licensed mortgage lenders, brokers and servicers. Keep copies of every letter and a log of every call.

  • A rescue company or investor contacted you

    Before you sign or pay anything

    Report it to Wyoming Attorney General: Consumer Protection and Antitrust Unit. Free counseling and legal aid exist, so do not pay an upfront fee or sign over your deed.

Official and nonprofit help in Wyoming

None of these charge homeowners for foreclosure help.

Wyoming Homeowner Assistance Fund (HAF)

The Wyoming Department of Family Services states that the Homeowner Assistance Fund officially stopped accepting new applications as of October 31, 2024. We did not find another statewide mortgage payment program that is open. The department's page lists other housing, utility and energy help.

Check the program’s current status

Common questions in Wyoming

Is there free foreclosure legal help in Wyoming?

Yes. Legal Aid of Wyoming gives free civil legal help to low-income Wyoming residents and can be reached at 877-432-9955. Equal Justice Wyoming, the Judicial Branch's access to justice program, can help you find other free legal services.

Is the Wyoming Homeowner Assistance Fund still open?

No. The Wyoming Department of Family Services says the Homeowner Assistance Fund stopped taking new applications on October 31, 2024, and federal HAF money could not be used after September 30, 2026. We did not find another open statewide mortgage payment program.

Where do I complain about my mortgage servicer in Wyoming?

The Wyoming Division of Banking takes complaints about state-licensed mortgage lenders, brokers and servicers. Use its How to File a Complaint page, and include copies of your letters and notices.

Step by step

More on foreclosure in Wyoming

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.

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Sources for this page

  1. Wyoming Statutes Title 34 (Property, Conveyances and Security Transactions), including §§ 34-4-101 to 34-4-113
  2. Wyoming Statutes Title 1 (Code of Civil Procedure), including §§ 1-18-101 to 1-18-104
  3. Wyoming Department of Family Services: Housing, Utilities and Energy Assistance
  4. Wyoming Division of Banking: How to File a Complaint