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Liens and Foreclosures

The law library has many resources for people preventing or dealing with foreclosures and liens.


These organizations may provide assistance with some aspects of foreclosure prevention and defense. Contact these organizations directly for more information about the services provided.


Homeowner Affordability and Stability Plan
Information and resources on this federal program, including links to counseling agencies that provide free assistance, can be found at or by calling 888-995-HOPE (4673).

Local resources 

Legal Services of Northern California: Foreclosure Advice
Services provided: Homeowners and tenants facomg possible foreclosure can call for advice about preventing foreclosure, loan modifications, tenants' rights in foreclosure, negotiating cash for keys offers, and responding to improper trustess' sales.

HUD Foreclosure Avoidance Counseling Agencies
HUD offers a listing of California foreclosure avoidance counseling agencies. Counseling services are provided free of charge by these nonprofit housing counseling agencies.

NeighborWorks HomeOwnership Center
NeighborWorks is a HUD-certified housing counseling agency, providing free homeownership counseling, realty services, foreclosure prevention counseling, and affordable housing assistance.  

Senior Legal Hotline - Legal Services of Northern California
(916) 551-2140
Free legal advice and brief services by phone to Sacramento County residents 60 and over. 

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The federal Making Home Affordable program has forms to apply for assistance. 

Making Home Affordable (
This page includes links to forms you need to request participation in this program.

The Sacramento County Public Law Library has prepared forms for some common situations relating to real property. For other situations, you may need to create your own forms. Our Research Guides & Step by Steps have instructions and samples for many commonly-used forms.

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The Law Librarians have created these research guides as an aid for those starting a legal research project. These guides recommend print and electronic resources that will help you find answers to your law-related questions. Guides marked "Step-by-Step"  provide step-by-step information, as well as sample forms, for common legal procedures..

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Everyday Law and Ask the County Law Librarian articles are written by Law Librarians on a variety of common legal issues.