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Foreclosure Prevention Flow Chart by WtHzUp

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									  FLOW CHART – MAINE FORECLOSURE PREVENTION PROGRAM
                 July 1, 2010 – June 30, 2011

                                 Notices of default reported to Bureau, Bureau notifies
                                            homeowners with packet mailing




                                  Homeowners call Bureau                     Outside referrals, incl. Congressional
                                        hotline                              referrals & homeowner self-referrals
Information provided to
      homeowner

   No formal intake
                                  Bureau completes intake
                                       (triage) form


     Retained at Bureau
                                                                                Legal assistance receives case 164



      Bureau stops auction

                                  HUD Counselor receives case
                                                                                           Lender initiates
                                                                                          foreclosure action
     Bureau
   investigates
predatory lending
                                                                                                    Court holds
                                                                                                     mediation
                             Deed-in-Lieu/short
Bureau obtains loan            sale arranged
                                                           Homeowner
   modification
                                                          brings account
                                                          current and no                          Loan
                                                           longer needs                    modification/Short
                                                             assistance                      sale obtained
                              Loan modification
                                  obtained
                                                                                                  Judgment and
                                                                                                  auction/sale of
                                                                                                      home
                                                                             Homeowner
                                                                               files for
                                                                             bankruptcy
                                                                              protection

								
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