How to Stop Foreclosure in Kentucky

Contents:


When to Seek Professional Foreclosure Help in Kentucky 

Do you know at what stage in a foreclosure process you have the most options at your disposal to avoid foreclosure in Kentucky? Should you wait for three missed mortgage payments before you seek professional help to stop foreclosure in Kentucky? Well, you will not be able to take advantage of all the options if you wait for a Notice of Default. Steps towards foreclosure prevention must be taken at the earliest possible.

Impact of Bankruptcy Filing on Credit Score in Kentucky

Do bankruptcy and foreclosure have a similar impact on your credit rating? Which one of these two should you opt for if you want to rebuild your credit faster after foreclosure? An experienced foreclosure lawyer in Kentucky will tell you a Chapter 13 Bankruptcy filing may be a better choice in some cases. Hire a foreclosure attorney today to give you foreclosure legal advice in Kentucky.

Name Photo Address City State Zip Phone Site Details Map
Cawood & Johnson, Pllc Cawood Building, 108 1/2 Kentucky Avenue, Pineville KY 40977 (606) 337-6500 http://www.cawoodjohnsonlaw.com Details
Aaron Law Offices, Pllc 6900 Houston Road, Suite 12, (across From Walmart), Florence KY 41042 (859) 444-6159 http://www.donaldaaron.com Details
Rouse & Rouse, P.s.c. 10 S Main St Walton KY 41094 (859) 449-2010 http://millsrouselaw.com Details
Williams, Hall & Latherow, Llp 1505 Carter Ave Ste 200 Ashland KY 41101 (606) 329-1919 http://www.whl-law.com Details
Gray, Woods & Cooper 510 16th St Ashland KY 41101 (606) 547-4422 Details
Elder Law Center Of Northern Kentucky 510 Washington Ave Newport KY 41071 (859) 878-2872 http://www.nkyelderlawyer.com Details
W. Jeffrey Scott, Psc 311 W Main St Grayson KY 41143 (606) 474-5194 http://wjeffreyscott.com Details
Sherrow, Sutherland & Associates, Psc 200 Southland Dr Lexington KY 40503 (859) 685-0035 http://www.tripleslaw.com Details
Stidham & Associates, P.s.c. 401 Lewis Hargett Cir Ste 250 Lexington KY 40503 (859) 554-4052 http://www.stidhamlaw.com Details
The Rigsby Ball Law Group, Plc 228 E High St Lexington KY 40507 (844) 725-8372 http://rlgattorneys.com Details
Piper & Bowers, P.s.c. 562 W Short St Lexington KY 40507 (859) 402-2632 http://www.piperbowers.com/ Details
Bunch & Brock, Attorneys At Law 271 W Short St Ste 805 Lexington KY 40507 (859) 254-5522 http://www.bunchandbrocklaw.com Details
Regard Law Group, Pllc Court Square Building, 269 West Main Street, Suite 600, Lexington KY 40507 (888) 751-2129 http://kentuckyequinelaw.com Details
Gilbert Law Group Pllc 177 N Limestone Lexington KY 40507 (859) 309-7641 http://www.gilbertgroupky.com Details
Gess Mattingly & Atchison, P.s.c. 201 West Short Street, Lexington KY 40507 (859) 317-2145 http://www.gmalaw.com Details
Jennifer Zeigler Hoerner, Attorney At Law Po Box 34192 Lexington KY 40588 (859) 469-6558 http://www.jenniferhoerner.com Details
Pennstuart 119 E Court St Prestonsburg KY 41653 (606) 263-4966 http://www.pennstuart.com Details
Larry D. Brown, P.s.c. 143 N Arnold Ave Prestonsburg KY 41653 (606) 259-0033 http://www.larrybrownlawoffice.com Details
Mcbrayer, Mcginnis, Leslie & Kirkland, Pllc Main & Harrison Streets, 402 Main Street, Suite 2, Greenup KY 41144 (888) 513-1248 http://www.mmlkadvantage.com Details
The Law Office Of Cynthia T. Griffin, Llc Greenwell Building, 240 West Dixie Avenue, Suite 4, E Town KY 42701 (757) 932-9061 http://www.cgriffinlaw.com Details

How to Refinance Your Mortgage with Negative Equity

Did you know if your home has negative equity, you can negotiate with your lender to forgive a portion of your mortgage? It allows you to refinance your mortgage. Your lender can make more money by refinancing than what they’ll make by foreclosing on your home. And what’s in it for you? Well, you save your home and your credit. Keep in mind, credit repair in Kentucky after a foreclosure can be a significant pain. Get counseling in this regard today.

HECM Counseling Agencies in Kentucky

Home Equity Conversion Mortgage (HECM) Counseling for reverse mortgage.

Agency Name Address Phone Email Website Map
APPRISEN - LEXINGTON
STUITE. 303
2265 HARRODSBURG ROAD
LEXINGTON, KY 40504
P: (800) 355-2227
http://www.apprisen.com/home.asp
BRIGHTON CENTER, INCORPORATED
741 CENTRAL AVENUE
NEWPORT, KY 41071
P: (859) 491-8303
http://brightoncenter.com
KENTUCKY LEGAL AID
1700 DESTINY LN
BOWLING GREEN, KY 42104
P: (270) 782-1924
http://www.klaid.org

HUD Housing Counseling Agencies located in Kentucky

Housing and Urban Development Counseling for foreclosure avoidance.

Agency Name Address Phone / Toll-Free / Fax Website Languages Map
KCEOC COMMUNITY ACTION PARTNERSHIP, INC.
PO Box 490
Barbourville, KY 40906
P: (606) 546-3152
F: (606) 546-5057
http://www.povertyisreal.org
English
HOUSING ASSISTANCE AND DEVELOPMENT SERVICES, INC.
215 E 12th Ave
BOWLING GREEN, KY 42101
P: (270) 796-4176
F: (270) 796-8203
http://www.handsinc.net
English
KENTUCKY LEGAL AID
1700 Destiny Ln
Bowling Green, KY 42104
P: (270) 782-1924
http://www.klaid.org
English
Spanish
CATHOLIC CHARITIES, DIOCESE OF COVINGTON
3629 Church St
Covington, KY 41015
P: (859) 581-8974
F: (859) 581-9595
http://www.covingtoncharities.org
English
Spanish
LEGAL AID OF THE BLUEGRASS
104 East 7th Street
COVINGTON, KY 41011
P: (859) 431-8200
T: (800) 888-8189
F: (606) 783-1342
http://www.lablaw.org
English
Spanish

NFMC grantees through NeighborWorks America located in Kentucky

National Foreclosure Mitigation Counseling for foreclosure avoidance.

Agency Name Address Phone Email Website Languages Map
Housing Assitance and Development Services, Incorporated
213 East 12th Avenue
Bowling Green, KY 42101
P: (270) 796-4176
http://www.handsinc.net
English
Kentucky Legal Aid, Inc.
1700 Destiny Lane
Bowling Green, KY 42104
P: (270) 780-8832
http://www.klaid.org
English
Catholic Charities of Covington, KY
3629 Church Street
Covington, KY 41011
P: (859) 581-8974
http://www.covingtoncharities,org
English
Consumer Credit Counseling Service of Central Ohio
950 N. Mulberry Steet, Suite 220F
Elizabethtown, KY 42701
P: (800) 355-2227
http://www.apprisen.com
English
Consumer Credit Counseling Service of Central Ohio
11 Shelby Street
Florence, KY 41042
P: (800) 355-2227
http://www.apprisen.com
English

Credit Repair Companies in Kentucky

Agency Name Address Phone Website Map
Credit Bureau Systems Inc
100 Fulton Ct
Paducah, KY 42001
P: 270-744-9000
http://credit-bureau.com
Clearpoint Credit Counseling Solutions
100 Fountain Ave, Ste 200
Paducah, KY 42001
P: 270-443-7917
Ashland Back Tax Debt Relief
1140 Carter Ave
Ashland, KY 41101
P: 606-393-4666
http://www.ashlandtaxdebtrelief.com
Careone Credit Services
Serving Nationwide
Bowling Green, KY 42101
P: 270-681-0944
http://www.getfelix.com/p/superpages/careone-credit-bowling-green-kentucky.html
Consumer Credit Counseling Service
1725 Ashley Cir, Ste 107
Bowling Green, KY 42104
P: 270-783-0717
http://cccservices.com

Kentucky Map

Kentucky Foreclosure Laws

Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instrument: Mortgage
Timeline: Varies
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes, but with restrictions

Mortage Rates in Kentucky

Type Rate Last Week
30 yr fixed 3.85% -0.01
15 yr fixed 3.07% 0.04
5/1 ARM 3.41% 0.08
30 yr fixed mtg refi 3.79% -0.02
15 yr fixed mtg refi 3.06% 0.01
7/1 ARM refi 3.22% -0.01
15 yr jumbo fixed mtg refi 3.97% 0.41
Last updated: 05/29/2017

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