{"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":"2026-04-11T21:13:20","modified_gmt":"2026-04-12T04:13:20","slug":"foreclosure-prevention","status":"publish","type":"page","link":"https:\/\/www.homeownership-wa.org\/ku\/foreclosure-prevention\/","title":{"rendered":"P\u00ea\u015f\u00eel\u00eagirtina Desteserkirin\u00ea"},"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-1b1d1f-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 h1 fontspace-994669 font-weight-600\" ><span>Ma h\u00fbn bi desteserkirin\u00ea re r\u00fb bi r\u00fb ne?<\/span><\/h2><div class=\"text-lead\"><p>Navenda \u00c7avkaniya Malni\u015f\u00eeniya Wa\u015f\u00eengton\u00ea xeta ferm\u00ee ya xwedaniya xan\u00ee ya Washington kar dike \u00fb li vir e ku di v\u00ea dema dijwar de r\u00eaberiya we bike.<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"empty-space empty-single\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<div class=\"vc_row style-color-ffffff-bg 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  unradius-lg\" ><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>P\u00eavajoya betalb\u00fbn\u00ea dikare pir be, l\u00ea h\u00fbn ne ten\u00ea ne. Gav\u00ean ku h\u00fbn dikarin \u00eero bav\u00eajin hene ku dibe al\u00eekar ku p\u00ea\u015f\u00ee li bergirtin\u00ea bigirin \u00fb dest\u00fbr\u00ea bidin we ku h\u00fbn xaniy\u00ea xwe bigirin.<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><\/p>\n<div>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.<\/div>\n<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=\"L\u00eestikvan\u00ea v\u00eedyoy\u00ea y\u00ea YouTube-\u00ea\" 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=\"L\u00eestikvan\u00ea v\u00eedyoy\u00ea y\u00ea YouTube-\u00ea\" 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>Pamfleta P\u00ea\u015f\u00eel\u00eagirtina Foreclosure Dewleta Washington<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Li gel hevkar\u00ean me y\u00ean di tora p\u00ea\u015f\u00eel\u00eagirtina desteserkirin\u00ea de li seranser\u00ea eyalet\u00ea, me bro\u015f\u00fbrek bi agahdariya p\u00eabawer \u00fb gir\u00eeng li ser vegirtina li eyaleta Washington \u00e7\u00eakir. Dibe ku ew ji we re bibe al\u00eekar ku h\u00fbn f\u00eam bikin ku h\u00fbn di prosesa dorp\u00ea\u00e7kirin\u00ea de li ku ne \u00fb \u00e7i vebijark \u00fb \u00e7avkan\u00ee hene.<\/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=\"Guhertoya \u00cengil\u00eez\u00ee dak\u00ea\u015fin - Bro\u015f\u00fbra P\u00ea\u015f\u00eel\u00eagirtina Foreclosure\" data-options=\"\" data-lbox=\"ilightbox_single-\">Kurmanc\u00ee dak\u00ea\u015fin<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=\"Guhertoya span\u00ee dak\u00ea\u015fin - Bro\u015f\u00fbra P\u00ea\u015f\u00eel\u00eagirtina Foreclosure\" data-options=\"\" data-lbox=\"ilightbox_single-\">Daxistin Spanish<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=\"Guhertoya R\u00fbs\u00ee dak\u00ea\u015fin - Bro\u015f\u00fbra P\u00ea\u015f\u00eel\u00eagirtina Foreclosure\" data-options=\"\" data-lbox=\"ilightbox_single-\">R\u00fbs\u00ee dak\u00ea\u015fin<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=\"Daxistina Guhertoya \u00c7\u00een\u00ee - Bro\u015f\u00fbra P\u00ea\u015f\u00eel\u00eagirtina Foreclosure\" data-options=\"\" data-lbox=\"ilightbox_single-\">\u00c7\u00een\u00ee daxe<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=\"Daxistina Guhertoya Ukrayn\u00ee - Bro\u015f\u00fbra P\u00ea\u015f\u00eel\u00eagirtina Foreclosure\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">Download UKRAINIAN<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=\"Guhertoya Viyetnam\u00ee dak\u00ea\u015fin - Bro\u015f\u00fbra P\u00ea\u015f\u00eel\u00eagirtina Foreclosure\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">VIETNAMESE dak\u00ea\u015fin<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=\"Guhertoya Tagalog Daxistin - Bro\u015f\u00fbra P\u00ea\u015f\u00eel\u00eagirtina Foreclosure\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">Tagalog dak\u00ea\u015fin<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=\"Daxistina Guhertoya \u00c7\u00een\u00ee - Bro\u015f\u00fbra P\u00ea\u015f\u00eel\u00eagirtina Foreclosure\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">Ereb\u00ee dax\u00eene<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=\"Guhertoya Korey\u00ee dak\u00ea\u015fin - Bro\u015f\u00fbra P\u00ea\u015f\u00eel\u00eagirtina Foreclosure\" target=\"_blank\" data-options=\"\" data-lbox=\"ilightbox_single-\">Korey\u00ee dak\u00ea\u015fin<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>Pirs\u00ean Pir Pir Dipirsin<\/span><\/h3><div><p>Li ser her pirs\u00ea bikirt\u00eenin da ku h\u00fbn di derheq\u00ea vegirtin\u00ea de b\u00eatir f\u00ear bibin<\/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_1279993274\" 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_1279993274\" href=\"#1609175727-1-48\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ez \u00ead\u00ee nikarim deyn\u00ean xwey\u00ean deyn\u00ea xwe bidim. Div\u00ea ez \u00e7i h\u00eav\u00ee bikim?<\/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>Desteserkirina li Washington\u00ea ji h\u00eala Qan\u00fbna Dadperwer\u00ee ya Foreclosure (FFA) ve t\u00ea r\u00eave kirin. Li gor\u00ee v\u00ea qan\u00fbn\u00ea, kar\u00fbbar\u00ean krediy\u00ea div\u00ea s\u00ea agahdar\u00ee ji xwedan xaniyan re li ser demek diyarkir\u00ee bi\u015f\u00eenin ber\u00ee ku ew karibin li ser xaniyek\u00ea derx\u00eenin. Daxuyan Daxuyaniya Vebijark\u00ean P\u00ea\u015f-Destgirtin\u00ea, Daxuyaniya Dest\u00fbrdan\u00ea, \u00fb Daxuyaniya Firotina Bawermendan in. Xwediy\u00ean xaniyan di xal\u00ean cih\u00eareng \u00ean p\u00eavajoy\u00ea de xwediy\u00ea hin mafan in, di nav de maf\u00ea hevd\u00eetina bi karmend\u00ea deyn\u00ea xwe re ji bo n\u00eeqa\u015fkirina vebijark\u00ean ne-vegirtin\u00ea \u00fb maf\u00ea navbeynkariy\u00ea bi kar\u00fbbar\u00ea krediya xwe re. Xeta Xeta Xwediy\u00ea Mal\u00ea ya WHRC dikare ji we re bibe al\u00eekar ku h\u00fbn f\u00eam bikin ka h\u00fbn di p\u00eavajoy\u00ea de li ku ne \u00fb \u00e7i maf\u00ean we hene. \u015e\u00eawirmendek xan\u00ee ya pejirand\u00ee ya HUD an par\u00eazerek ar\u00eekariya qan\u00fbn\u00ee dikare ji we re bibe al\u00eekar ku h\u00fbn maf\u00ean xwe bikar b\u00eenin.<\/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_1279993274\" href=\"#1609175727-2-63\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Navenda \u00c7avkaniya Malni\u015f\u00eena Wa\u015f\u00eengton\u00ea xizmeta k\u00ea dike?<\/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>Kar\u00fbbar\u00ean Navenda \u00c7avkaniya Malni\u015f\u00eeniya Washington (WHRC) bela\u015f ji her xwediy\u00ea mal\u00ea re li eyaleta Washington heye ku di xeterey\u00ea de ye ku bi xan\u00ee, baca mal \u00fb milk\u00ean HOA ve gir\u00eaday\u00ee ye. Em di heman dem\u00ea de al\u00eekariya ni\u015ftec\u00eeh\u00ean eyaleta Washington\u00ea dikin ku pirs\u00ean wan di derbar\u00ea kir\u00eena xan\u00ee, ref\u00eenans\u00ea, deyn\u00ean pa\u015f\u00een, an ar\u00eekariya tam\u00eer\u00ea de hene.<\/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_1279993274\" href=\"#1609175858251-2-7\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Bangek ji WHRC re dikare ji bo min \u00e7i bike?<\/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>Gava ku h\u00fbn gaz\u00ee WHRC dikin, Pisporek Agahdar\u00ee \u00fb Serl\u00eadan\u00ea d\u00ea li ser rew\u015fa we \u00fb \u00eepotek we, bac\u00ean milk, \u00fb\/an berd\u00eal\u00ean HOA ji we bipirse. Li ser bingeha c\u00eeh \u00fb hewcedariy\u00ean we y\u00ean taybet\u00ee, pispor d\u00ea we bi\u015f\u00eene \u015f\u00eawirmend\u00ee, ar\u00eekariya qan\u00fbn\u00ee, \u00fb\/an saziy\u00ean huk\u00fbmet\u00ea y\u00ean guncan. Ger we ji deynd\u00ear\u00ea xwe agahdar\u00eey\u00ean t\u00eakildar\u00ee girtin\u00ea wergirtine, pispor d\u00ea ji we re bibe al\u00eekar ku h\u00fbn gav bav\u00eajin \u00fb bi guncan bersiv bidin.<\/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_1279993274\" href=\"#1611412296153-6-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Coun\u00eawirmend\u00ean Xan\u00ee \u00e7i ne \u00fb ew \u00e7awa al\u00eekar\u00ee dikin?<\/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>Da\u00eereya Xan\u00ee \u00fb P\u00ea\u015fve\u00e7\u00fbna Bajarvaniy\u00ea (HUD) li seranser\u00ea wel\u00eat sponsoriya ajans\u00ean \u015f\u00eawirmendiya xan\u00ee dike da ku ji xwedanxan\u00eeyan re bibe al\u00eekar ku ji desteserkirin\u00ea d\u00fbr bisekinin. Couns\u00eawirmend\u00ean xan\u00ee pispor in ku li teni\u015fta we ne \u00fb y\u00ean ku d\u00ea we di p\u00eavajoya desteserkirin\u00ea de \u00fb gav\u00ean ku h\u00fbn hewce ne bav\u00eajin ji bo p\u00ea\u015f\u00eel\u00eagirtin\u00ea bav\u00eajin. Hin ajans\u00ean \u015f\u00eawirmendiya xan\u00ee daxwaz dikin ku h\u00fbn dersek bidin ber\u00ee ku h\u00fbn bi \u015f\u00eawirmendek re hevd\u00eetin bikin \u00fb hem\u00ee hewcey\u00ea qedandina pak\u00eatek vexwarin\u00ea dikin. Couns\u00eawirmendek d\u00ea budceya malbata we binirx\u00eene, ji we re bibe al\u00eekar ku h\u00fbn budceyek kr\u00eez\u00ea p\u00ea\u015fve bixin, ger hewce bike, \u00fb ji we re bibe al\u00eekar ku h\u00fbn f\u00eam bikin ka k\u00eejan vebijark hene ku h\u00fbn ji bo p\u00ea\u015f\u00eel\u00eagirtin\u00ea d\u00fbr bigirin. Couns\u00eawirmend ji we re dibe al\u00eekar ku h\u00fbn bi serv\u00eeskar\u00ea deyn\u00ea xwe re muzakere bikin \u00fb ji bo guheztina krediyek ser\u00eel\u00eadanek b\u00eak\u00eamas\u00ee \u00fb rast p\u00ea\u015fk\u00ea\u015f\u00ee wan bikin, ger ew vebijarka ku h\u00fbn diyar dikin ji bo we \u00e7\u00eatir\u00een e. Xwediy\u00ean xaniy\u00ean ku bi Coun\u00eawirmend\u00ea Xan\u00ee re dixebitin da ku serl\u00eadana guheztina deyn bikin, r\u00eajeya serkeftina wan 86% li hember ten\u00ea 12% bi tena ser\u00ea xwe ye.<\/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_1279993274\" href=\"#1609175888197-3-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ma ji bo xebat\u00ea bi s\u00eawirmend\u00ea Xan\u00ee re pere dide?<\/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>Couns\u00eawirmendiya p\u00ea\u015f\u00eel\u00eagirtin\u00ea ya ji ajansa \u015f\u00eawirmendiy\u00ea ya ku ji h\u00eala HUD-\u00ea ve hat\u00ee pejirandin HER DEM bela\u015f e dema ku ew li ser xaniy\u00ea ku h\u00fbn l\u00ea dim\u00eenin. Ger h\u00fbn li \u015f\u00eawirmendiyek t\u00eakildar\u00ee xaniyek betlaney\u00ea an xaniyek veberh\u00eanan\u00ea bigerin, dibe ku ji bo \u015f\u00eawirmendiy\u00ea drav hebe. Ger h\u00fbn ji h\u00eala parg\u00eedaniyek ve t\u00eane vexwendin ku \u00eed\u00eea dike ku dikare deyn\u00ea xwe biguhez\u00eene an ji bo xercek p\u00ea\u015f\u00een ar\u00eekariya p\u00ea\u015f\u00eel\u00eagirtina desteserkirin\u00ea peyda dike, dibe ku ew xapandinek be. Ti\u015ftek \u00eemze nekin! Telefon\u00ea Xeta meya Hot\u00eal bikin \u00fb bi ajans\u00ea \u015f\u00eawirmendiya xan\u00ee ya ku ji h\u00eala HUD ve hat\u00ee pejirandin bi \u015f\u00eawirmendek xan\u00ee ya qan\u00fbn\u00ee ve t\u00eakildar bibin. Her weha em dikarin ji we re bibin al\u00eekar ku h\u00fbn xapandin\u00ean p\u00ea\u015f\u00eel\u00eagirtin\u00ea ji rayedar\u00ean guncan re ragih\u00eenin.<\/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_1279993274\" href=\"#1609175916510-4-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ma ez dikarim bi yek \u015f\u00eawirmend\u00ea xan\u00ee re yekser bixebitim?<\/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>Gava ku h\u00fbn ajansa \u015f\u00eawirmendiya xan\u00ee hilbij\u00earin ku p\u00ea re bixebitin, em p\u00ea\u015fniyar dikin ku h\u00fbn ten\u00ea bi wan re bixebitin. Girtin p\u00eavajoyek dir\u00eaj e \u00fb dibe ku gelek dor\u00ean p\u00eawendiy\u00ea bi serv\u00ees\u00ea deyn\u00ea we re hewce bike. Ger h\u00fbn bikaribin p\u00eavajoy\u00ea bi hev re bi\u015fop\u00eenin d\u00ea ji bo we \u00fb \u015f\u00eawirmend\u00ea we h\u00easantir be. Wek\u00ee din, li Washington hejmarek tix\u00fbbdar \u015f\u00eawirmend\u00ean xan\u00ee hene, ji ber v\u00ea yek\u00ea xebata bi z\u00eadetir\u00ee yek \u015f\u00eawirmend re wext digire ku dibe ku bibe al\u00eekar ji xwediy\u00ea xan\u00ee y\u00ea din re.<\/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_1279993274\" href=\"#1609175939906-5-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ez li deverek ku ajans\u00ean \u015f\u00eawirmendiya xan\u00ee tune ne dij\u00eem. Vebijark\u00ean min \u00e7i ne?<\/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>Gelek ajans\u00ean \u015f\u00eawirmendiya xan\u00ee ya pejirand\u00ee ya HUD-\u00ea li \u00e7araliy\u00ea wel\u00eat ji xwediy\u00ean xaniyan re xizmet dikin \u00fb bi deverek taybet\u00ee re ne s\u00eenordar in. \u015e\u00eawirmendiya xaniyan \u00fb temamkirina kaxezan dikare bi serh\u00eal, bi faks\u00ea, an j\u00ee bi t\u00ealefon\u00ea were kirin heke h\u00fbn nikaribin bi xwe re hevd\u00eetin\u00ea bikin. Em ji we re te\u015fw\u00eeq dikin ku h\u00fbn ji bo al\u00eekariy\u00ea bi \u015f\u00eawirmendek xan\u00ee re bixebitin tev\u00ee ku h\u00fbn ne\u00e7ar in ku bi serh\u00eal an bi t\u00ealefon\u00ea bikin.<\/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_1279993274\" href=\"#1611412440026-7-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ez \u00e7awa dikarim pi\u015ftrast bibim ku ez bi saziyek \u015f\u00eawirmendiya xan\u00ee ya rewa re dixebitim?<\/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_1279993274\" href=\"#1611412468828-8-5\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ez \u00e7awa dikarim xap\u00eenokek p\u00ea\u015f\u00eel\u00eagirtin\u00ea nas bikim?<\/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_1279993274\" href=\"#1611412502564-9-6\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ez li pa\u015f dravdan\u00ean xwe me \u00fb ji deynd\u00ear\u00ea xwe agahdariyek wergirt. Ez \u00e7i bikim?<\/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>\u00c7alakiya \u00e7\u00eatir\u00een ku h\u00fbn dikarin pi\u015ft\u00ee wergirtina agahdariy\u00ea bigirin ev e ku h\u00fbn bi WHRC Hotline re telefon bikin \u00fb bih\u00ealin em we bi \u015f\u00eawirmendek xan\u00ee an par\u00eazerek ar\u00eekariya dadr\u00eas\u00ee ve gir\u00eadin. S\u00ea daxuyaniy\u00ean p\u00eaw\u00eest hene, l\u00ea dibe ku h\u00fbn agahdariy\u00ean din j\u00ee bist\u00eenin. Ger h\u00fbn li mal\u00ea dij\u00een, hin maf\u00ean we hene \u00fb ew li gor\u00ee agahdariya ku we girtiye diguhere. Ger h\u00fbn zanibin dema ku h\u00fbn bi me re diaxivin h\u00fbn k\u00eejan agahdariy\u00ea dist\u00eenin dikare ji bo karmend\u00ean Hotline re bibe al\u00eekar.<\/p>\n<p>S\u00ea daxuyaniy\u00ean qan\u00fbn\u00ee hewce ne:<\/p>\n<ul>\n<li>Daxuyaniya Vebijark\u00ean P\u00ea\u015f-Destp\u00eakirin\u00ea (NOPFO)<\/li>\n<li>Notice of Default (NOD)<\/li>\n<li>Daxuyaniya Firotina Trustee (NOTS)<\/li>\n<\/ul>\n<p>Li seranser\u00ea p\u00eavajoya dan\u00fbstendin\u00ea, gelo h\u00fbn bi \u015f\u00eawirmendek re dixebitin an bi tena ser\u00ea xwe, div\u00ea h\u00fbn her agahdar\u00ee an dan\u00fbstendina ku h\u00fbn ji banka xwe dist\u00eenin hil\u00eenin. Ger h\u00fbn bi \u015f\u00eawirmendek re dixebitin, div\u00ea h\u00fbn her dan\u00fbstendinek ji banka xwe bi \u015f\u00eawirmend\u00ea xwe re parve bikin, da ku ew ji we re \u015f\u00eeret bikin ka h\u00fbn \u00e7i bikin.<\/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_1279993274\" href=\"#1611412526919-10-9\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Min Daxuyaniyek Vebijark\u00ean P\u00ea\u015fdibistan\u00ea ji deynd\u00ear\u00ea xwe wergirt. Wateya v\u00ea \u00e7i ye \u00fb vebijark\u00ean min \u00e7i ne?<\/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>Li eyaleta Washington, Daxuyaniya Vebijark\u00ean P\u00ea\u015f-Destp\u00eakirin\u00ea (NOPFO) yekem ji s\u00ea agahdariyan e ku p\u00eadiv\u00ee ye ku karmend\u00ea weya krediy\u00ea ji we re bi\u015f\u00eene pi\u015ft\u00ee ku we dravdana \u00eepotek winda kir. Dibe ku h\u00fbn ji deynd\u00ear\u00ea xwe agahiy\u00ean din werbigirin ku destn\u00ee\u015fan dikin ku we drav winda kiriye, l\u00ea NOPFO her gav peyva &quot;maf\u00ean gir\u00eeng ji bo xwedan xan\u00ee&quot; digire. Ev agahdar\u00ee we ji maf\u00ea we y\u00ea hevd\u00eetinek kesane an bi t\u00ealefon\u00ea bi deynd\u00ear\u00ea we re, ku j\u00ea re &quot;Hevd\u00eetin \u00fb Hevd\u00eetin&quot; t\u00ea gotin, di derheq\u00ea dravdan \u00fb vebijark\u00ean we de agahdar dike. P\u00eadiv\u00ee ye ku h\u00fbn di nav 30 roj\u00ean salnamey\u00ea de ji roja li ser agahiy\u00ea de bersiv bidin NOPFO-y\u00ea ku h\u00fbn daxwaziya civ\u00een\u00ea bikin \u00fb em p\u00ea\u015fniyar dikin ku wiya bi e-nameya pejirand\u00ee bikin da ku h\u00fbn del\u00eel\u00ean tar\u00eex \u00fb wergirtina w\u00ea hebin. Ger h\u00fbn di wext\u00ea xwe de bersiv\u00ea bidin, div\u00ea bank bi we re bicive \u00fb div\u00ea 90 rojan ji roja NOPFO-y\u00ea li bend\u00ea bim\u00eene ber\u00ee ku Agahdariya P\u00ea\u015fniyar\u00ea bi\u015f\u00eene, ku ev agahdariya p\u00eaw\u00eest a din e. Heke h\u00fbn nexwazin bersiv\u00ea bidin, deynd\u00ear dikare 30 roj pi\u015ft\u00ee tar\u00eexa li ser NOPFO-y\u00ea N\u00ee\u015fana P\u00ea\u015fniyar\u00ea derx\u00eene. Em bi tund\u00ee p\u00ea\u015fniyar dikin ku h\u00fbn bi \u015f\u00eawirmendek re bixebitin \u00fb di dema hevd\u00eetina bi karmend\u00ea krediya xwe re wan bi we re hebe. T\u00eakil\u00ee bi WHRC Hotline re t\u00eakil\u00ee daynin da ku b\u00eatir f\u00ear bibin \u00fb\/an bi \u015f\u00eawirmendek xan\u00ee re t\u00eakildar bibin.<\/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_1279993274\" href=\"#1611412564535-11-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ez \u00e7awa bersiv\u00ea didim Daxuyaniya Vebijark\u00ean P\u00ea\u015fdibistan\u00ea?<\/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>P\u00eadiv\u00ee ye ku h\u00fbn bi e-nameya p\u00eabawer bersiv\u00ea bidin Daxuyaniya Vebijark\u00ean P\u00ea\u015f-Desteserkirin\u00ea \u00fb meqb\u00fbza kesk a vegeriyay\u00ee ya ku n\u00ee\u015fan dide deyndar daxwaza we wergirtiye bipar\u00eazin. Hejmara deyn\u00ea xwe, roja ku we agahdar\u00ee wergirtiye t\u00ea de bin, \u00fb an hevd\u00eetinek kesane ya li w\u00eelayeta xwe an hevd\u00eetinek bi t\u00ealefon\u00ea bi deyndar\u00ea xwe re bixwazin. Daxuyaniya Vebijark\u00ean P\u00ea\u015fdibistan\u00ea div\u00ea navn\u00ee\u015fanek hebe ku h\u00fbn dikarin bersiv\u00ea j\u00ea re bi\u015f\u00eenin. H\u00fbn dikarin ji bo daxwaza hevd\u00eetin\u00ea v\u00ea \u015fablon\u00ea bikar b\u00eenin:<\/p>\n<p><a href=\"https:\/\/www.homeownership-wa.org\/Meet-and-Confer-Sample-Letter.docx\">Nameya &quot;Daxwaza Hevd\u00eetin \u00fb Hevd\u00eetin\u00ea&quot;<\/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_1279993274\" href=\"#1611412616180-12-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ger Ez Daxuyaniyek Default bist\u00eenim div\u00ea ez \u00e7i bikim?<\/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>Ger h\u00fbn Daxuyanek Bir\u00eak\u00fbp\u00eak (NOD) werbigirin, DESTP\u00caK bi Xeta Xwediy\u00ea Xan\u00ee re t\u00eakil\u00ee daynin. Div\u00ea h\u00fbn ji roja li ser Daxuyaniya Bir\u00eaveberiy\u00ea heya 20 rojan pi\u015ft\u00ee d\u00eeroka Daxuyaniya Firotina Em\u00eendar\u00ea we heye ku li ser nav\u00ea we \u015f\u00eawirmendek xan\u00ee an j\u00ee par\u00eazerek navbeynkariy\u00ea bixwaze. Ji ber ku h\u00fbn nekarin bi tena ser\u00ea xwe daxwaza navbeynkariy\u00ea bikin, gir\u00eeng e ku h\u00fbn z\u00fb bi \u015f\u00eawirmendek xan\u00ee an j\u00ee par\u00eazerek ve gir\u00eaday\u00ee bin. Her ku h\u00fbn di derbar\u00ea Daxuyaniya Xweseriya Xweseriy\u00ea de z\u00fb bi Xeta Hotline re t\u00eakil\u00ee daynin, ew qas wext\u00ea we heye ku h\u00fbn kaxez\u00ean p\u00eaw\u00eest \u00ean ji bo daxwazek navbeynkariy\u00ea temam bikin. Wek\u00ee din, heke h\u00fbn ber\u00ee ku Daxuyaniya Firotina Em\u00eendar\u00ea were we\u015fandin, navbeynkariy\u00ea daxwaz dikin, dema ku h\u00fbn be\u015fdar\u00ee navbeynkariy\u00ea bi deynd\u00ear\u00ea xwe re bibin, dema ku h\u00fbn bi deynd\u00ear\u00ea re be\u015fdar\u00ee navbeynkariy\u00ea dibin, dema dorp\u00eakirin\u00ea raweste.<\/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_1279993274\" href=\"#1611412645552-13-7\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ger Ez Daxuyaniyek Firotina Bawermend werbigirim div\u00ea ez \u00e7i bikim?<\/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_1279993274\" href=\"#1611412726701-14-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Navbeynkar\u00ee \u00e7i ye?<\/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\">H\u00fbn dikarin ji navn\u00ee\u015fa j\u00ear\u00een gil\u00ee li dij\u00ee banka an saziy\u00ean daray\u00ee bikin.<\/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\">Of\u00eesa Dozger\u00ea Gi\u015ft\u00ee y\u00ea 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\">Wezareta Saziy\u00ean Daray\u00ee ya Dewleta 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_1279993274\" href=\"#1611412940128-15-8\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ez \u00e7awa dikarim bigih\u00eejim belgey\u00ean tomarb\u00fby\u00ee y\u00ean t\u00eakildar\u00ee morgic\u00ea xwe?<\/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>H\u00fbn dikarin li niv\u00eesgeha Qeydker\u00ea w\u00eelayet\u00ea bigih\u00eejin kaxezan, belgey\u00ean morgic\u00ea, deyn, daxwiyan\u00ee, dabe\u015fkirin \u00fb peyman\u00ean nek\u00ea\u015fbar. Li gor\u00ee w\u00eelayet \u00fb belgey\u00ea, h\u00fbn dikarin wan li serh\u00eal bib\u00eenin.<\/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_1279993274\" href=\"#1611413006255-16-3\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ez \u00e7awa dikarim kontrol bikim ka Fannie Mae an Freddie Mac xwedan xaniy\u00ea min e?<\/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>Am\u00fbr\u00ean l\u00eager\u00een\u00ea y\u00ean j\u00ear\u00een bikar b\u00eenin da ku bib\u00eenin ka Fannie Mae an Freddie Mac xwedan xaniy\u00ea we ne:<\/p>\n<ul>\n<li><a href=\"https:\/\/knowyouroptions.com\/loanlookup\">Fannie Mae Deyn Bigere<\/a><\/li>\n<li><a href=\"https:\/\/myhome.freddiemac.com\/resources\/loanlookup\" target=\"_blank\" rel=\"noopener\">Freddie Mac Loan Bin\u00eare<\/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_1279993274\" href=\"#1611413032067-17-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Ez dikarim li ku der\u00ea giliyek ferm\u00ee li dij\u00ee banka xwe an saziya daray\u00ee bikim?<\/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\">H\u00fbn dikarin ji navn\u00ee\u015fa j\u00ear\u00een gil\u00ee li dij\u00ee banka an saziy\u00ean daray\u00ee bikin.<\/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\">Kom\u00eesyona Bazirganiya Federal, Be\u015fa Kar\u00ean Abor\u00ee<\/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\">Of\u00eesa Dozger\u00ea Gi\u015ft\u00ee y\u00ea 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_1279993274\" href=\"#5556ed40-2e3d-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Rew\u015fa min a abor\u00ee \u015fexs\u00ee ye. WHRC bi agahdariya ku ez bi t\u00ealefon\u00ea didim wan \u00e7i dike?<\/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 agahdariya xer\u00eedar nafiro\u015fe ti partiyek. Em agahdariya bingeh\u00een a wergirtin\u00ea digirin da ku rew\u015fa we f\u00eam bikin \u00fb sewq\u00ean guncan ji ajans\u00ean ku dikarin ji we re bibin al\u00eekar bikin, wek ajans\u00ean \u015f\u00eawirmendiya xan\u00ee \u00fb p\u00ea\u015fk\u00ea\u015fker\u00ean ar\u00eekariya qan\u00fbn\u00ee y\u00ean pejirand\u00ee y\u00ean HUD. Em agahdariya wergirtin\u00ea ya ku h\u00fbn ji me re p\u00ea\u015fk\u00ea\u015f dikin pi\u015ft\u00ee ku referans\u00ea dikin, parve dikin, da ku ji wan re bibin al\u00eekar ku h\u00fbn bi lez \u00fb bez al\u00eekariya we bikin. Di derbar\u00ea WHRC de b\u00eatir f\u00ear bibin <a href=\"https:\/\/www.homeownership-wa.org\/ku\/whrc-policies\/whrc-privacy-policy\/\">Privacy Policy<\/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_1279993274\" 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\">Dewleta 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_1279993274\" 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\">Xane<\/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_1279993274\" 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\">Ew\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_1279993274\" 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":"Are you facing foreclosure?Washington Homeownership Resource Center operates Washington\u2019s official homeownership hotline and is here to guide you through this [...]","protected":false},"author":5,"featured_media":0,"parent":0,"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 v27.5 - 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\/ku\/foreclosure-prevention\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\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\/ku\/foreclosure-prevention\/\" \/>\n<meta property=\"og:site_name\" content=\"Washington Homeownership Resource Center\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-12T04:13:20+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 \u062e\u0648\u0644\u06d5\u06a9\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/foreclosure-prevention\\\/\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/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\":\"2026-04-12T04:13:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/foreclosure-prevention\\\/#breadcrumb\"},\"inLanguage\":\"ckb\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.homeownership-wa.org\\\/foreclosure-prevention\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/foreclosure-prevention\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.homeownership-wa.org\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"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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