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Foreclosure Intervention Services

The recent recession hurt a lot of Oregon homeowners. NEDCO can help.  We provide education, counseling and resources to help you avoid foreclosure, whether you are current on your mortgage, but it’s no longer affordable and you may soon fall behind, behind on your payments, or already in the foreclosure process.

The earlier you reach out for help, the more options you’ll have.  But it’s also rarely too late; even if you’re in foreclosure, you may have more options than you think.

Counseling for the Oregon Foreclosure Avoidance (OFA) Program:

If you have not received an OFA notice, click here for more info about our programs.

If you have received a Notice of Resolution Conference, please contact our office immediately. The timelines are tight, and there are several important steps to take.  We want to help you get started right away.

If you haven’t already, please pay the required fee to MCM (Mediation Case Manager), before the deadline on your notice. This confirms your right to participate in the OFA program. The fee must be paid to MCM; see the notice for payment details.  NEDCO cannot accept payments. Failure to pay the fee by the deadline will cancel your conference.

Once you have paid the fee, the next steps are to meet with a foreclosure counselor and submit the required documents.  Ideally (if you start soon enough) these are done together. Your counselor is an expert in the documents your lender will need.

Our role is to be your guide and advocate through the OFA program: from gathering documents, to analyzing what options are available, and even representing you at the resolution conference. But we need your help and commitment at every step. Here’s the counseling process:

Step 1: Register for OFA Counseling


  • Lane County: 541-345-7106
  • Marion County: 503-779-2680
  • Clackamas County: 503-655-8974
This gives us a chance to double check your deadlines, identify the investor on your loan and answer any up-front questions.

Step 2: Complete the NEDCO application and supporting documents

We can schedule your counseling session as soon as you turn in the application and documents.

A note on documents:

OFA requires you to upload certain documents to an online database by the deadline listed in your notice.

NEDCO needs similar documents for counseling. We need all the details to give you the best advice. We ask for a longer list because we know your lender will require more than the basic OFA documents before they will review you for assistance.

Ideally, if you contact us soon enough, you’ll just turn in a single set of documents to us, and we’ll upload everything to Canopy. That way, we can double check that you have what your lender will need for a full review.

If your document deadline is too close, or our calendar is booked out too far, we may advise you to upload your own documents. We provide tips for that process.

We can schedule your counseling session as soon as you turn in the application and documents.

Step 3: Attend a counseling session

A counselor will:

  • Talk with you about your goals for the home;
  • Review your financial information;
  • Outline the likely (and not so likely) options available;
  • Ask for any additional documents your lender might need, to support your goal;
  • Strategize for the resolution conference.
This usually occurs in-person at our office, but we can also counsel by phone if that works better for you.

Step 4: Stay in touch

NEDCO or your lender may need additional documents. The conference may need to be rescheduled. It’s important to respond quickly to calls or emails related to OFA.

If your lender contacts you during this time, please call or email your counselor right away. We want to make sure your lender isn’t giving you bad advice!

Counseling for Non-OFA Homeowners:

If you haven’t received an Oregon Foreclosure Avoidance Notice, you can still participate in all of our counseling services.

Step 1: Complete our foreclosure counseling application and return it to our office with the documents listed on page 1. (Note: the application and supporting documents are required before your counseling appointment can be scheduled, so that your counselor fully understands your situation. They are also required by your lender to apply for most assistance programs.)

Step 2: Our counseling assistant will call you to schedule an appointment.

It’s that easy!

Your counselor will help you understand

  • How your lender will analyze your situation,
  • What options are available,
  • And how to move forward.

Counselors can help you apply for a loan modification or forbearance and provide referrals to other professional services such as short sale realtors and bankruptcy attorneys.

NEDCO Application and Supporting Document Links

Other Helpful Resources

Success Story: A home of his own- Abel Poton

Abel-PotonAbel opened a door to a new beginning by accomplishing his dream of purchasing his first home in August 2011. Abel’s determination to succeed and his vision to provide a secure home of his own for his three children helped him reach his goal. Read More