During these tough economic times, many Oregonians are struggling to make ends meet. Whether your family is facing a loss in income or is having trouble keeping up with the rising cost of living, the good news is that foreclosure is not inevitable. Because of a new state law, families may be able to modify their home loan so that the payment is lower, and there are many organizations throughout the state that can guide families through the process.

Government agencies and nonprofit organizations hold events for homeowners on topics from foreclosure prevention to mortgage default. For more information, click below.

HUD-approved foreclosure prevention counselors provide free help to Oregonians facing foreclosure. Call 1-800-SAFENET or click below for a list of counselors in your area.

The President's Making Home Affordable Plan includes two programs for homeowners who occupy their houses and use them as a primary residence. Click below for more information.

Learn how to avoid scams and how to file a complaint.

Foreclosure is the legal means your lender can use to take your house if you are in default. The foreclosure process can be confusing for many homeowners; learn how it works.

The Oregon Legislature recently passed laws to help homeowners facing foreclosure in Oregon. Click on the link below for more on those laws and the statutes that cover mortgage lending.

Tenants can be affected if the home they are renting is facing foreclosure. The link below provides information for renters.

Read the latest mortgage and foreclosure news, including announcements about new programs for homeowners.

A resources list on taxes, loan programs, mechanic's liens, mortgage payments rights, and filing a complaint against a lender, and the publication "Foreclosure - you can avoid it." in English, Spanish, and Russian.