Distressed Homeowner Resources. 

Having trouble paying your mortgage?  Need free help and information on loan modification programs or credit counseling or legal issues?  I've compiled this list of resources.  I recommend a good place to start is by attending a FREE Home Clinic where all of the resources below are located in one place and one on one counseling is available.

http://www.housingcollaborative.org/

Buying time to avoid Foreclosure

Other very worthwhile resources include

Community Housing Works and Foreclosure Prevention Center http://www.chworks.org/

Springboard, Preserving Homeownership Foreclosure Prevention  http://www.credit.org 

Fair Housing Resources    http://www.fhrb.net/ 

Predatory Lending Prevention Services   http://www.hud.gov/

Free online help for struggling homeowners  http://www.mortgagereliefonline.com/

Rocky Road to Recovery   211SanDiego.org