{"id":84,"date":"2021-08-02T11:17:22","date_gmt":"2021-08-02T18:17:22","guid":{"rendered":"https:\/\/washingtonhome.wpengine.com\/?page_id=84"},"modified":"2026-05-14T13:07:45","modified_gmt":"2026-05-14T20:07:45","slug":"foreclosure-prevention","status":"publish","type":"page","link":"https:\/\/www.homeownership-wa.org\/fr\/for-homeowners\/foreclosure-prevention\/","title":{"rendered":"Pr\u00e9vention de la forclusion"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-1b1d1f-bg row-container with-parallax\" id=\"row-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2021\/01\/washington-urban.jpg);background-repeat: no-repeat;background-position: center center;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-733979-bg\" style=\"opacity: 0.75;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row double-top-padding triple-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_center column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell\" ><div class=\"uncont no-block-padding col-custom-width\" style=\" max-width:80%;\" ><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_center column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\" ><div class=\"uncoltable\"><div class=\"uncell single-block-padding\" ><div class=\"uncont\" style=\" max-width:768px;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"font-635512 h5 fontspace-562271 font-weight-500 text-uppercase\" ><span>POUR LES PROPRI\u00c9TAIRES<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"font-635512 h1 fontspace-994669 font-weight-600\" ><span>Pr\u00e9vention de la forclusion<\/span><\/h2><div class=\"text-lead\"><p>Are you facing foreclosure? Washington Homeownership Resource Center operates Washington\u2019s official homeownership hotline and is here to guide you through this difficult time.<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-no-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell double-block-padding style-color-ffffff-bg  unradius-hg\" ><div class=\"uncont\" style=\" max-width:95%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"font-635512 h4 fontheight-506459 font-weight-600 text-accent-color\" ><span>Le processus de forclusion peut \u00eatre \u00e9crasant, mais vous n&#039;\u00eates pas seul. Il existe des mesures que vous pouvez prendre d\u00e8s aujourd&#039;hui qui peuvent aider \u00e0 pr\u00e9venir la forclusion et vous permettre de garder votre maison.<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>The Washington Homeownership Resource Center (WHRC) is committed to supporting homeowners during this challenging time by helping you understand your rights, access resources and tools, and connect with advocates that provide hands-on help. Foreclosure prevention help is free when it\u2019s about the home you live in. There can be a fee for foreclosure help on investment or vacation homes.<\/p>\n<\/div><div class=\"uncode_text_column\" ><p>In Washington state, homeowners have rights through the Foreclosure Fairness Act (FFA) and other related legislation which expands the state\u2019s Foreclosure Mediation Program to include condominium and homeowners&#8217; association (HOA\/COA) unit owners who are delinquent or may become delinquent on association assessments. Watch this short video to learn more about the foreclosure process and how the FFA protects you. If you are facing mortgage, property tax, or HOA foreclosure, we are here to help. Call our toll-free Hotline at 877-894-4663.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"h3 fluid-object\" style=\"padding-top: 56.25%\"><iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/8krPsUYjE_M?si=UJmVmTSeN9IO58om\" title=\"Lecteur vid\u00e9o YouTube\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"h3 fluid-object\" style=\"padding-top: 56.25%\"><iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/YiH_9QudVus?si=T2lKu1Uo-lFqamHI\" title=\"Lecteur vid\u00e9o YouTube\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-646393-bg row-container onepage-section\" data-label=\"foreclosure-pamphlets\" data-name=\"foreclosure-pamphlets\" id=\"row-unique-2\"><div class=\"row unequal col-half-gutter double-top-padding single-bottom-padding single-h-padding full-width row-parent\" data-height-ratio=\"30\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 94%;\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.6%;\"><\/div><img decoding=\"async\" class=\"wp-image-954\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-comp-full-uai-1400x933.png\" width=\"1400\" height=\"933\" alt=\"Decorative\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-left align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell single-block-padding\" ><div class=\"uncont\" style=\" max-width:84%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2 text-color-733979-color\" ><span>Brochure sur la pr\u00e9vention des saisies dans l&#039;\u00c9tat de Washington<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>En collaboration avec nos partenaires du r\u00e9seau de pr\u00e9vention des saisies immobili\u00e8res \u00e0 l&#039;\u00e9chelle de l&#039;\u00c9tat, nous avons cr\u00e9\u00e9 une brochure contenant des informations fiables et importantes sur les saisies immobili\u00e8res dans l&#039;\u00c9tat de Washington. Cela peut vous aider \u00e0 comprendre o\u00f9 vous en \u00eates dans le processus de saisie et quelles options et ressources sont disponibles.<\/p>\n<\/div><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-FINAL-ENG-2024.pdf.zip\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"T\u00e9l\u00e9charger la version anglaise - Brochure sur la pr\u00e9vention des saisies\" data-options=\"\" data-lbox=\"ilightbox_single-\">T\u00e9l\u00e9charger ANGLAIS<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-FINAL-SPA-2024.pdf.zip\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"T\u00e9l\u00e9charger la version espagnole - Brochure sur la pr\u00e9vention des saisies\" data-options=\"\" data-lbox=\"ilightbox_single-\">T\u00e9l\u00e9charger l&#039;espagnol<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-FINAL-RUS-2024.pdf.zip\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"T\u00e9l\u00e9charger la version russe - Brochure sur la pr\u00e9vention des saisies\" data-options=\"\" data-lbox=\"ilightbox_single-\">T\u00e9l\u00e9charger le russe<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/06\/FFA-Trifold-FINAL-CNA-2024.pdf.zip\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"T\u00e9l\u00e9charger la version chinoise - Brochure sur la pr\u00e9vention des saisies\" data-options=\"\" data-lbox=\"ilightbox_single-\">T\u00e9l\u00e9charger le chinois<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-2024_ukr-1.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"T\u00e9l\u00e9charger la version ukrainienne - Brochure sur la pr\u00e9vention des saisies immobili\u00e8res\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">T\u00e9l\u00e9charger UKRAINIEN<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-2024_vie-V2.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"T\u00e9l\u00e9charger la version vietnamienne - Brochure sur la pr\u00e9vention des saisies immobili\u00e8res\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">T\u00e9l\u00e9charger VIETNAMIEN<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-2024_Tgl.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"T\u00e9l\u00e9charger la version en tagalog - Brochure sur la pr\u00e9vention des saisies immobili\u00e8res\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">T\u00e9l\u00e9charger en tagalog<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-V2_ara.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"T\u00e9l\u00e9charger la version chinoise - Brochure sur la pr\u00e9vention des saisies\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">T\u00e9l\u00e9charger en arabe<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/FFA-Trifold-FINAL-2024-Korean.pdf\" class=\"custom-link btn btn-link border-width-0 text-accent-color btn-icon-right\" title=\"T\u00e9l\u00e9charger la version cor\u00e9enne - Brochure sur la pr\u00e9vention des saisies immobili\u00e8res\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">T\u00e9l\u00e9charger le cor\u00e9en<i class=\"fa fa-download5\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-3\"><div class=\"row double-top-padding double-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-left align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell\" ><div class=\"uncont no-block-padding col-custom-width\" style=\" max-width:85%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h4 fontspace-177060 text-uppercase\" ><span>Questions fr\u00e9quemment pos\u00e9es<\/span><\/h3><div><p>Cliquez sur chaque question pour en savoir plus sur la saisie<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-accordion wpb_accordion wpb_content_element  sign-size-rg w-border\" data-collapsible=\"no\" data-target=\"\" data-active-tab=\"nope\" >\n\t\t<div class=\"panel-group wpb_wrapper wpb_accordion_wrapper\" id=\"accordion_630469160\" data-no-toggle=\"\">\n\n<div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1609175727-1-48\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Je ne peux plus effectuer mes versements hypoth\u00e9caires. A quoi dois-je m&#039;attendre ?<\/span><\/a><\/p><\/div><div data-id=\"1609175727-1-48\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>La forclusion \u00e0 Washington est r\u00e9gie par la Foreclosure Fairness Act (FFA). En vertu de cette loi, les gestionnaires de pr\u00eats doivent envoyer trois avis aux propri\u00e9taires dans un d\u00e9lai pr\u00e9cis avant de pouvoir saisir une maison. Les avis sont l&#039;avis d&#039;options de pr\u00e9-forclusion, l&#039;avis de d\u00e9faut et l&#039;avis de vente du syndic. Les propri\u00e9taires ont certains droits \u00e0 diff\u00e9rents stades du processus, notamment le droit de rencontrer leur agent de pr\u00eat pour discuter des options de non-saisie et le droit \u00e0 la m\u00e9diation avec leur agent de pr\u00eat. La ligne d&#039;assistance t\u00e9l\u00e9phonique pour l&#039;accession \u00e0 la propri\u00e9t\u00e9 de WHRC peut vous aider \u00e0 comprendre o\u00f9 vous en \u00eates dans le processus et quels sont les droits dont vous disposez. Un conseiller en logement ou un avocat de l&#039;aide juridique certifi\u00e9 par le HUD peut vous aider \u00e0 exercer vos droits.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1609175727-2-63\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u00c0 qui sert le Washington Homeownership Resource Center?<\/span><\/a><\/p><\/div><div data-id=\"1609175727-2-63\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Les services du Washington Homeownership Resource Center (WHRC) sont disponibles gratuitement pour tout propri\u00e9taire de l&#039;\u00c9tat de Washington en danger de forclusion en raison de son hypoth\u00e8que, de ses imp\u00f4ts fonciers ou de ses cotisations HOA. Nous aidons \u00e9galement les r\u00e9sidents de l&#039;\u00c9tat de Washington qui ont des questions concernant l&#039;achat d&#039;une maison, le refinancement, les pr\u00eats hypoth\u00e9caires invers\u00e9s ou l&#039;aide \u00e0 la r\u00e9paration.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1609175858251-2-7\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Qu&#039;est-ce qu&#039;un appel \u00e0 WHRC peut faire pour moi?<\/span><\/a><\/p><\/div><div data-id=\"1609175858251-2-7\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Lorsque vous appelez WHRC, un sp\u00e9cialiste de l&#039;information et de l&#039;orientation vous posera des questions sur votre situation et votre hypoth\u00e8que, vos imp\u00f4ts fonciers et\/ou vos cotisations HOA. En fonction de votre emplacement et de vos besoins sp\u00e9cifiques, le sp\u00e9cialiste vous orientera vers les conseils, l&#039;aide juridique et\/ou les agences gouvernementales appropri\u00e9s. Si vous avez re\u00e7u des avis de saisie de votre pr\u00eateur, le sp\u00e9cialiste vous aidera \u00e0 prendre des mesures et \u00e0 r\u00e9agir de mani\u00e8re appropri\u00e9e.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412296153-6-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Que sont les conseillers en logement et comment aident-ils?<\/span><\/a><\/p><\/div><div data-id=\"1611412296153-6-3\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Le minist\u00e8re du Logement et du D\u00e9veloppement urbain (HUD) parraine des agences de conseil en logement \u00e0 travers le pays pour aider les propri\u00e9taires \u00e0 \u00e9viter la forclusion. Les conseillers en logement sont des experts qui sont \u00e0 vos c\u00f4t\u00e9s et qui vous guideront tout au long du processus de saisie et des \u00e9tapes \u00e0 suivre pour \u00e9viter la saisie. Certaines agences de conseil en logement exigent que vous suiviez un cours avant de rencontrer un conseiller et toutes exigent la r\u00e9alisation d&#039;un dossier d&#039;admission. Un conseiller examinera le budget de votre m\u00e9nage, vous aidera \u00e0 \u00e9laborer un budget de crise, si n\u00e9cessaire, et vous aidera \u00e0 comprendre les options qui s&#039;offrent \u00e0 vous pour \u00e9viter la forclusion. Le conseiller vous aide \u00e0 n\u00e9gocier avec votre agent de pr\u00eat et \u00e0 lui pr\u00e9senter une demande compl\u00e8te et pr\u00e9cise de modification de pr\u00eat, si c&#039;est l&#039;option que vous jugez la meilleure pour vous. Les propri\u00e9taires qui travaillent avec un conseiller en logement pour demander une modification de pr\u00eat ont un taux de r\u00e9ussite de 86% contre seulement 12% seuls.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1609175888197-3-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Est-ce que cela co\u00fbte de l&#039;argent de travailler avec un conseiller en logement?<\/span><\/a><\/p><\/div><div data-id=\"1609175888197-3-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Les conseils en pr\u00e9vention de la forclusion fournis par une agence de conseil approuv\u00e9e par le HUD sont TOUJOURS gratuits lorsqu&#039;il s&#039;agit de la maison dans laquelle vous vivez. Si vous demandez des conseils concernant une maison de vacances ou un immeuble de placement, des frais de conseil peuvent \u00eatre factur\u00e9s. Si vous \u00eates sollicit\u00e9 par une entreprise qui pr\u00e9tend \u00eatre en mesure de modifier votre pr\u00eat hypoth\u00e9caire ou de fournir une autre aide \u00e0 la pr\u00e9vention des saisies pour un montant initial, il peut s&#039;agir d&#039;une arnaque. Ne signez rien ! Appelez notre hotline et connectez-vous \u00e0 un conseiller en logement l\u00e9gitime dans une agence de conseil en logement approuv\u00e9e par le HUD. Nous pouvons \u00e9galement vous aider \u00e0 signaler les escroqueries \u00e0 la pr\u00e9vention des saisies aux autorit\u00e9s comp\u00e9tentes.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1609175916510-4-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Puis-je travailler avec plus d&#039;un conseiller en logement \u00e0 la fois ?<\/span><\/a><\/p><\/div><div data-id=\"1609175916510-4-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Une fois que vous avez choisi une agence de conseil en logement avec laquelle travailler, nous vous recommandons de ne travailler qu&#039;avec elle. La forclusion est un long processus et peut n\u00e9cessiter de nombreuses rondes de communication avec votre agent de pr\u00eat. Ce sera plus facile pour vous et votre conseiller si vous \u00eates en mesure de suivre le processus ensemble. De plus, il y a un nombre limit\u00e9 de conseillers en logement \u00e0 Washington, donc travailler avec plus d&#039;un conseiller prend du temps qui pourrait aider un autre propri\u00e9taire.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1609175939906-5-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Je vis dans une r\u00e9gion sans agences de conseil en logement. Quelles sont mes options ?<\/span><\/a><\/p><\/div><div data-id=\"1609175939906-5-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>De nombreuses agences de conseil en logement approuv\u00e9es par le HUD servent les propri\u00e9taires dans tout l&#039;\u00c9tat et ne se limitent pas \u00e0 une zone sp\u00e9cifique. Les conseils en mati\u00e8re de logement et la r\u00e9daction des documents peuvent \u00eatre effectu\u00e9s en ligne, par t\u00e9l\u00e9copieur ou par t\u00e9l\u00e9phone si vous n&#039;\u00eates pas en mesure de vous rencontrer en personne. Nous vous encourageons \u00e0 travailler avec un conseiller en logement pour obtenir de l&#039;aide, m\u00eame si vous devez le faire en ligne ou par t\u00e9l\u00e9phone.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412440026-7-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Comment puis-je \u00eatre s\u00fbr de travailler avec une agence de conseil en logement l\u00e9gitime\u00a0?<\/span><\/a><\/p><\/div><div data-id=\"1611412440026-7-3\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW268120330 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW268120330 BCX8\">To ensure you are working with a HUD-approved counseling agency, call the WHRC Homeownership Hotline to be connected to an approved counselor or ask your housing counselor if they are approved by the United States Department of Housing and Urban Development (HUD) and verify their information online. If you suspect a\u00a0<\/span><span class=\"NormalTextRun SCXW268120330 BCX8\">scam<\/span><span class=\"NormalTextRun SCXW268120330 BCX8\">, you should contact the\u202f<\/span><\/span><a class=\"Hyperlink SCXW268120330 BCX8\" href=\"http:\/\/www.atg.wa.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW268120330 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW268120330 BCX8\" data-ccp-charstyle=\"Hyperlink\">Washington Attorney General\u2019s Office\u202f<\/span><\/span><\/a><span class=\"TextRun SCXW268120330 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW268120330 BCX8\">consumer protection line at 1.800.551.4636 or visit their website at <a href=\"http:\/\/www.atg.wa.gov\">www.atg.wa.gov<\/a><\/span><span class=\"NormalTextRun SCXW268120330 BCX8\">.\u202f\u00a0<\/span><\/span><span class=\"EOP SCXW268120330 BCX8\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412468828-8-5\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Comment reconna\u00eetre une arnaque \u00e0 la pr\u00e9vention des saisies immobili\u00e8res ?<\/span><\/a><\/p><\/div><div data-id=\"1611412468828-8-5\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW88899744 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW88899744 BCX8\">Housing counseling agencies should not charge you for their services if you are facing foreclosure on the\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW88899744 BCX8\">home<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0you live in. Any organization that contacts you and promises you a new mortgage, charges upfront fees,\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">advises you to<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0stop paying your mortgage or to stop talking to your mortgage company, and\/or calls from out of state is\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">probably too<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0good to be true.\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">These companies use television and internet advertisements as well as personal solicitations targeting homeowners in default.<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">If you suspect a\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">scam<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">, you should contact the\u202f<\/span><\/span><a class=\"Hyperlink SCXW88899744 BCX8\" href=\"http:\/\/www.atg.wa.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW88899744 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW88899744 BCX8\" data-ccp-charstyle=\"Hyperlink\">Washington Attorney General\u2019s Office\u202f<\/span><\/span><\/a><span class=\"TextRun SCXW88899744 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW88899744 BCX8\">consumer protection line at 1.800.551.4636 or visit their <a href=\"https:\/\/www.atg.wa.gov\/\">website<\/a>.<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u202f<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0WHRC\u2019s Hotline staff are available to help\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">connect you to<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">a<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">dditional<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">resources to report\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">s<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">cams<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">.<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0If\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">y<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">ou\u2019ve<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">already been a victim of a\u00a0<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">s<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">cam<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">,<\/span><span class=\"NormalTextRun SCXW88899744 BCX8\">\u00a0call the Hotline right away.<\/span><\/span><span class=\"EOP SCXW88899744 BCX8\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412502564-9-6\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Je suis en retard dans mes paiements et j&#039;ai re\u00e7u un avis de mon pr\u00eateur. Que dois-je faire?<\/span><\/a><\/p><\/div><div data-id=\"1611412502564-9-6\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>La meilleure action que vous puissiez prendre apr\u00e8s avoir re\u00e7u un avis est d&#039;appeler la hotline WHRC et de nous laisser vous mettre en contact avec un conseiller en logement ou un avocat de l&#039;aide juridique. Trois avis sont requis, mais vous pouvez \u00e9galement recevoir d&#039;autres avis. Si vous habitez dans la maison, vous avez certains droits et ils varient selon l&#039;avis que vous avez re\u00e7u. Il peut \u00eatre utile pour le personnel de la Hotline de savoir quel avis vous avez re\u00e7u lorsque vous nous appelez.<\/p>\n<p>Les trois mentions l\u00e9gales obligatoires sont :<\/p>\n<ul>\n<li>Avis d&#039;options de pr\u00e9-saisie (NOPFO)<\/li>\n<li>Avis de d\u00e9faut (NOD)<\/li>\n<li>Avis de vente par le syndic (NOTS)<\/li>\n<\/ul>\n<p>Tout au long du processus de saisie, que vous travailliez avec un conseiller ou seul, vous devez conserver chaque avis ou communication que vous recevez de votre banque. Si vous travaillez avec un conseiller, vous devez partager toute communication de votre banque avec votre conseiller, afin qu&#039;il puisse vous conseiller sur la marche \u00e0 suivre.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412526919-10-9\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>J&#039;ai re\u00e7u un avis d&#039;options de pr\u00e9-forclusion de mon pr\u00eateur. Qu&#039;est-ce que cela signifie et quelles sont mes options ?<\/span><\/a><\/p><\/div><div data-id=\"1611412526919-10-9\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Dans l\u2019\u00c9tat de Washington, l\u2019avis d\u2019options de pr\u00e9-saisie (NOPFO) est le premier des trois avis que votre pr\u00eateur est tenu de vous envoyer apr\u00e8s avoir manqu\u00e9 un paiement hypoth\u00e9caire. Vous pouvez recevoir d\u2019autres avis de votre pr\u00eateur indiquant que vous avez manqu\u00e9 un paiement, mais le NOPFO comprend toujours la phrase \u00ab droits importants pour les propri\u00e9taires \u00bb. Cet avis vous informe de votre droit \u00e0 une r\u00e9union en personne ou par t\u00e9l\u00e9phone avec votre pr\u00eateur, appel\u00e9e \u00ab Meet and Confer \u00bb, concernant le ou les paiements manqu\u00e9s et vos options. Vous devez r\u00e9pondre au NOPFO dans les 30 jours calendaires \u00e0 compter de la date de l\u2019avis pour demander la r\u00e9union et nous vous recommandons de le faire par courrier recommand\u00e9 afin d\u2019avoir une preuve de sa date d\u2019envoi et de sa r\u00e9ception. Si vous r\u00e9pondez \u00e0 temps, la banque doit vous rencontrer et doit attendre 90 jours \u00e0 compter de la date du NOPFO avant de publier un avis de d\u00e9faut, qui est le prochain avis requis. Si vous choisissez de ne pas r\u00e9pondre, le pr\u00eateur peut \u00e9mettre l\u2019avis de d\u00e9faut 30 jours apr\u00e8s la date du NOPFO. Nous vous recommandons vivement de travailler avec un conseiller et de l&#039;avoir \u00e0 vos c\u00f4t\u00e9s lors de la r\u00e9union avec votre pr\u00eateur. Contactez la hotline WHRC pour en savoir plus et\/ou vous mettre en relation avec un conseiller en logement.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412564535-11-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Comment puis-je r\u00e9pondre \u00e0 l&#039;Avis d&#039;options de pr\u00e9-forclusion\u00a0?<\/span><\/a><\/p><\/div><div data-id=\"1611412564535-11-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Vous devez r\u00e9pondre \u00e0 l&#039;Avis d&#039;options de pr\u00e9-forclusion par courrier certifi\u00e9 et conserver le re\u00e7u vert retourn\u00e9 qui montre que le pr\u00eateur a re\u00e7u votre demande. Incluez votre num\u00e9ro de pr\u00eat, la date \u00e0 laquelle vous avez re\u00e7u l&#039;avis et demandez soit une r\u00e9union en personne dans votre comt\u00e9, soit une r\u00e9union par t\u00e9l\u00e9phone avec votre pr\u00eateur. L&#039;avis d&#039;options de pr\u00e9-forclusion doit inclure une adresse \u00e0 laquelle vous pouvez envoyer la r\u00e9ponse. Vous pouvez utiliser ce mod\u00e8le pour demander la r\u00e9union\u00a0:<\/p>\n<p><a href=\"https:\/\/www.homeownership-wa.org\/Meet-and-Confer-Sample-Letter.docx\">Lettre de \u00ab\u00a0demande de rencontre et de conf\u00e9rence\u00a0\u00bb<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412616180-12-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Que dois-je faire si je re\u00e7ois un avis de d\u00e9faut\u00a0?<\/span><\/a><\/p><\/div><div data-id=\"1611412616180-12-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Si vous recevez un avis de d\u00e9faut (NOD), contactez IMM\u00c9DIATEMENT la ligne d&#039;assistance t\u00e9l\u00e9phonique pour les propri\u00e9taires. Vous disposez d&#039;un d\u00e9lai de 20 jours \u00e0 compter de la date de l&#039;avis de d\u00e9faut et jusqu&#039;\u00e0 20 jours apr\u00e8s la date de l&#039;avis de vente par le syndic pour demander \u00e0 un conseiller en logement ou \u00e0 un avocat de demander une m\u00e9diation en votre nom. Comme vous ne pouvez pas demander la m\u00e9diation par vous-m\u00eame, il est important que vous soyez rapidement mis en contact avec un conseiller en logement ou un avocat. Plus t\u00f4t vous contactez la ligne d&#039;assistance t\u00e9l\u00e9phonique au sujet de votre avis de d\u00e9faut, plus vous avez de temps pour remplir les documents n\u00e9cessaires \u00e0 une demande de m\u00e9diation. De plus, si vous demandez une m\u00e9diation avant l&#039;\u00e9mission de l&#039;avis de vente par le syndic, le d\u00e9lai de saisie s&#039;arr\u00eate pendant que vous assistez \u00e0 la m\u00e9diation avec votre pr\u00eateur.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412645552-13-7\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Que dois-je faire si je re\u00e7ois un avis de vente du syndic\u00a0?<\/span><\/a><\/p><\/div><div data-id=\"1611412645552-13-7\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span data-contrast=\"auto\">The Notice of Trustee Sale (NOTS) is the third and final notice in the foreclosure process. This notice is publicly recorded in your county and includes the date on which the Trustee will sell your home at auction if your situation is not resolved before then. The FFA requires that the auction date\u00a0is\u00a0no sooner than\u00a0120 days\u00a0from the recording date on the NOTS.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you receive a Notice of Trustee Sale (NOTS), contact the Homeownership Hotline IMMEDIATELY. You have\u00a020 days\u00a0after the recording date on the Notice of Trustee\u2019s Sale to have a housing counselor or attorney request mediation on your behalf. Because you cannot request mediation on your own, it is important that you get connected to either a housing counselor or attorney. The sooner you contact the Hotline about your Notice of Trustee\u2019s\u00a0Sale,\u00a0the more time you have to complete the necessary paperwork\u00a0required\u00a0for a mediation request.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412726701-14-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Qu&#039;est-ce que la m\u00e9diation ?<\/span><\/a><\/p><\/div><div data-id=\"1611412726701-14-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span data-contrast=\"auto\">Mediation is the process where homeowners, a representative from the\u00a0mortgage company\u00a0(also known as the beneficiary)\u00a0or homeowners association,\u00a0a housing counselor or attorney, and a trained mediator discuss alternatives to foreclosure. It is a powerful tool\u00a0for\u00a0preventing foreclosure. A mediator cannot order the beneficiary to reach a resolution in the homeowner\u2019s favor, but they are trained to help both parties reach an agreement. Mediation does not guarantee that the homeowner will receive a loan modification or other favorable outcome, but the Foreclosure Fairness Act requires the homeowner and beneficiary to\u00a0participate\u00a0in good\u00a0faith,\u00a0and many homeowners are able to\u00a0retain\u00a0their home\u00a0because of\u00a0the mediation process.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Vous pouvez d\u00e9poser une plainte contre votre banque ou institutions financi\u00e8res \u00e0 partir de la liste suivante :<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"http:\/\/www.atg.wa.gov\/FileAComplaint.aspx\"><span data-contrast=\"none\">Bureau du procureur g\u00e9n\u00e9ral de Washington<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/dfi.wa.gov\/\"><span data-contrast=\"none\">Le D\u00e9partement des institutions financi\u00e8res de l&#039;\u00c9tat de Washington<\/span><\/a><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611412940128-15-8\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Comment puis-je acc\u00e9der aux documents enregistr\u00e9s publiquement li\u00e9s \u00e0 mon hypoth\u00e8que?<\/span><\/a><\/p><\/div><div data-id=\"1611412940128-15-8\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Vous pouvez acc\u00e9der aux actes, documents hypoth\u00e9caires, privil\u00e8ges, avis, lotissements et contrats immobiliers au bureau du registraire du comt\u00e9. Selon le comt\u00e9 et le document, vous pourrez peut-\u00eatre les trouver en ligne.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611413006255-16-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Comment puis-je v\u00e9rifier si Fannie Mae ou Freddie Mac est propri\u00e9taire de mon hypoth\u00e8que ?<\/span><\/a><\/p><\/div><div data-id=\"1611413006255-16-3\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Utilisez les outils de recherche suivants pour voir si Fannie Mae ou Freddie Mac est propri\u00e9taire de votre pr\u00eat hypoth\u00e9caire\u00a0:<\/p>\n<ul>\n<li><a href=\"https:\/\/knowyouroptions.com\/loanlookup\">Recherche de pr\u00eat Fannie Mae<\/a><\/li>\n<li><a href=\"https:\/\/myhome.freddiemac.com\/resources\/loanlookup\" target=\"_blank\" rel=\"noopener\">Recherche de pr\u00eat Freddie Mac<\/a><\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1611413032067-17-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>O\u00f9 puis-je d\u00e9poser une plainte formelle contre ma banque ou mon institution financi\u00e8re ?<\/span><\/a><\/p><\/div><div data-id=\"1611413032067-17-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span data-contrast=\"auto\">Vous pouvez d\u00e9poser une plainte contre votre banque ou institutions financi\u00e8res \u00e0 partir de la liste suivante :<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Federal Deposit Insurance Corporation, Consumer Response Center (FDIC) : 877-275-3342 (Hours of Operation: 8:00 a.m. -8:00 p.m.\u202f Eastern Time)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/www.ftc.gov\/about-ftc\/contact\"><span data-contrast=\"none\">Commission f\u00e9d\u00e9rale du commerce, Division des pratiques financi\u00e8res<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><a href=\"http:\/\/www.atg.wa.gov\/FileAComplaint.aspx\"><span data-contrast=\"none\">Bureau du procureur g\u00e9n\u00e9ral de Washington<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">The Washington State Department of Financial Institutions\u00a0Consumer\u00a0Financial Protection Bureau\u00a0Hotline: 1.855.411.CFPB\u00a0(2372)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#5556ed40-2e3d-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ma situation financi\u00e8re est personnelle. Que fait WHRC avec les informations que je leur donne par t\u00e9l\u00e9phone\u00a0?<\/span><\/a><\/p><\/div><div data-id=\"5556ed40-2e3d-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>WHRC ne vend aucune information client \u00e0 aucune partie. Nous prenons des informations de base lors de l&#039;admission afin de comprendre votre situation et effectuons les r\u00e9f\u00e9rences appropri\u00e9es vers des agences susceptibles de vous aider, telles que des agences de conseil en logement approuv\u00e9es par le HUD et des prestataires d&#039;aide juridique. Nous partageons les informations d&#039;admission que vous nous fournissez avec l&#039;agence de r\u00e9f\u00e9rence lors de la r\u00e9f\u00e9rence, pour les aider \u00e0 vous aider le plus rapidement possible. En savoir plus sur les WHRC <a href=\"https:\/\/www.homeownership-wa.org\/fr\/whrc-policies\/whrc-privacy-policy\/\">Politique de confidentialit\u00e9<\/a>.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1769204191791-19-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>What is the HOA\/COA Foreclosure Mediation Program?<\/span><\/a><\/p><\/div><div data-id=\"1769204191791-19-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW95945046 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95945046 BCX8\">The Foreclosure Mediation Program provides a neutral mediation process for homeowners facing foreclosure to discuss alternatives with their lender or association. A\u00a0<\/span><\/span><span class=\"TextRun MacChromeBold SCXW95945046 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95945046 BCX8\">housing counselor or attorney<\/span><\/span><span class=\"TextRun SCXW95945046 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95945046 BCX8\">\u00a0must make the referral to the\u00a0<\/span><span class=\"NormalTextRun SCXW95945046 BCX8\">Etat de Washington\u00a0<\/span><span class=\"NormalTextRun SCXW95945046 BCX8\">Department of Commerce on behalf of the homeowner or unit owner.<\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1769204241015-20-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>What help is available for homeowners in an HOA\/COA considering mediation?<\/span><\/a><\/p><\/div><div data-id=\"1769204241015-20-3\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">Domicile<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">owners should contact\u00a0<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">WHRC to be connected to\u00a0<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">a\u00a0<\/span><\/span><span class=\"TextRun MacChromeBold SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">HUD-certified housing counselor<\/span><\/span><span class=\"TextRun SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0<\/span><\/span><span class=\"TextRun MacChromeBold SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">or legal aid attorney\u00a0<\/span><\/span><span class=\"TextRun SCXW198253272 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198253272 BCX8\">as soon as they become delinquent or receive a notice. These professionals can explain rights, help\u00a0<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">initiate<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0the meet and confer process,\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW198253272 BCX8\">prepare for<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0mediation, and complete the formal referral to<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0the Washington State Department of<\/span><span class=\"NormalTextRun SCXW198253272 BCX8\">\u00a0Commerce. Many counseling services are free for primary residences.<\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1769204274789-21-0\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Who can request mediation under Washington state law?<\/span><\/a><\/p><\/div><div data-id=\"1769204274789-21-0\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW1566592 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW1566592 BCX8\">Homeowners who have fallen behind on their mortgage payments or HOA\/COA dues may be able to request mediation.\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">Only<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0a\u00a0<\/span><\/span><span class=\"TextRun MacChromeBold SCXW1566592 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW1566592 BCX8\"><strong>HUD-certified\u00a0<\/strong><\/span><strong><span class=\"NormalTextRun SCXW1566592 BCX8\">housing<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0counselor or attorney<\/span><\/strong><\/span><span class=\"TextRun SCXW1566592 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0can refer a homeowner to the mediation program.\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">Le\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">homeo<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">wner<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0cannot self-refer; instead, they\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">work with\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">a counselor or\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">legal aid provider<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0who evaluates eligibility and\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">forwards<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">\u00a0the referral to\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">the Washington State Department of\u00a0<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">Commerce<\/span><span class=\"NormalTextRun SCXW1566592 BCX8\">.<\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_630469160\" href=\"#1769204306825-22-7\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Can HOA\/COA mediation delay foreclosure?<\/span><\/a><\/p><\/div><div data-id=\"1769204306825-22-7\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW168716092 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW168716092 BCX8\">Yes. Once the<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">\u00a0homeowner<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">\u00a0has been referred to mediation, an association may not file for judicial foreclosure until\u00a0<\/span><\/span><span class=\"TextRun SCXW168716092 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW168716092 BCX8\">after the mediator\u2019s certification<\/span> <\/span><span class=\"TextRun SCXW168716092 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentHighlightRest SCXW168716092 BCX8\">that mediation has\u00a0<\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW168716092 BCX8\">concluded. Similarly, for\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW168716092 BCX8\">t<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW168716092 BCX8\">rustee\u2019s<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">sales, the sale is postponed until mediation certification is issued<\/span><span class=\"NormalTextRun SCXW168716092 BCX8\">.<\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div>\n\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-3\" data-row=\"script-row-unique-3\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-3\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"FOR HOMEOWNERSForeclosure PreventionAre you facing foreclosure? Washington Homeownership Resource Center operates Washington\u2019s official homeownership hotline and is here to guide [...]","protected":false},"author":5,"featured_media":0,"parent":2289,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-84","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Foreclosure Prevention - Washington Homeownership Resource Center<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homeownership-wa.org\/fr\/for-homeowners\/foreclosure-prevention\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Foreclosure Prevention - Washington Homeownership Resource Center\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homeownership-wa.org\/fr\/for-homeowners\/foreclosure-prevention\/\" \/>\n<meta property=\"og:site_name\" content=\"Washington Homeownership Resource Center\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-14T20:07:45+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/\",\"name\":\"Foreclosure Prevention - Washington Homeownership Resource Center\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#website\"},\"datePublished\":\"2021-08-02T18:17:22+00:00\",\"dateModified\":\"2026-05-14T20:07:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/foreclosure-prevention\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.homeownership-wa.org\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"For Homeowners\",\"item\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homeowners\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Foreclosure Prevention\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#website\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/\",\"name\":\"Washington Homeownership Resource Center\",\"description\":\"You have homeownership goals. 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