On June 1, 2021, Oregon extended protections that prevent residential foreclosures until the end of the emergency period, September 30, 2021, to help homeowners recover from the pandemic. Please read this for more information.
The Oregon Homeowner Legal Assistance (OHLA) project provides free or reduced-cost legal services to low- and moderate-income Oregonians whose homeownership is at risk due to economic factors caused by the COVID-19 pandemic. Homeowners can apply for legal assistance by calling the toll-free OHLA intake line, 1-855-503-2598. After the intake call, each applicant's case will be screened for case eligibility. Some eligible homeowners will receive services in-house, while others will be referred to volunteer pro bono attorneys for a free initial consultation and services on a reduced-fee basis at an amount acceptable to both attorney and client. Intake interviews are conducted between 9:00 a.m. and 5:00 p.m., Monday through Friday. Intake staff can assist borrowers in English and other languages using phone-based interpretation services.
The Oregon LIHEAP program provides low-income Oregonians assistance with their home energy expenses. The LIHEAP program includes bill payment assistance, energy education, case management, and home weatherization services.
Foreclosure prevention counseling can help you better understand your options so you can decide how to proceed. Counselors can help you assess your ability to keep your home, understand your loan documents, submit requests to your lender, prepare for a mortgage mediation session, create a household budget and repair your credit. Watch this video to learn more about foreclosure prevention counseling and get an understanding of the process.