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Sheboygan County Foreclosure Mediation Program Finding Solutions

What is the Foreclosure Mediation Program? Who are the Mediators? How do I qualify for foreclosure mediation? How do I apply? Do I need a lawyer? Do all the borrowers who sign the mortgage need to attend the mediation session? Am I required to participate in the Foreclosure Mediation Program? Is there an application fee? What is the total cost to participate in the program? How do I prepare for mediation? Is the mediation confidential? Does this mean I won’t lose my house due to foreclosure? Where should I direct questions about the Sheboygan County Foreclosure Mediation Program?   DOWNLOAD Documents: "Notice of Mediation Availability" & "Request for Foreclosure Mediation"

What is the Foreclosure Mediation Program? This program will assist qualified homeowners to communicate with lenders to discuss settlement alternatives early in the foreclosure process with the goal of reducing the number of foreclosures either through work-outs or loan modifications or other alternatives that may be available by the use of foreclosure mediation. Who are the Mediators? The foreclosure mediators are specially trained in foreclosure mediation. How do I qualify for foreclosure mediation? The one-to-four residential property that is being foreclosed must be the primary residence of the homeowner and the homeowner must be the borrower. How do I apply? The homeowner/borrower must file a Foreclosure Mediation Request form with the Sheboygan County Foreclosure Mediation Program at the Clerk of Circuit Courts Office within 15 days of receipt of the Foreclosure Summons and Complaint. Do I need a lawyer? No, you do not have to be represented by a lawyer to participate in the program. Do all the borrowers who sign the mortgage need to attend the mediation session? Yes, all the borrowers must be present at the mediation session; for example, if a husband and wife sign the mortgage then both will need to be present for the mediation. Am I required to participate in the Foreclosure Mediation Program? No, participation is voluntary for the homeowner/borrower and also requires the consent of the lender. Is there an application fee? Yes, there is a $25 non-refundable fee to apply for the Mediation Program. What is the total cost to participate in the program? When accepted to the Foreclosure Mediation Program, the homeowner/borrower must pay an additional $75. The lender will also pay a $100 fee. How do I prepare for mediation? Once you are accepted into the Foreclosure Mediation Program, you will be asked to meet with a certified Housing Counselor. The counselor will assist you in gathering the necessary information for the mediation and will accompany you to the mediation session. Is the mediation confidential? Yes, any discussion during mediation is confidential. The Court will only receive a report of the outcome. Does this mean I won’t lose my house due to foreclosure? Participation in the Foreclosure Mediation Program does not stop or suspend the foreclosure. The homeowner is still obligated to respond to the foreclosure action and may still be at risk of losing their property to foreclosure. Where should I direct questions about the Sheboygan County Foreclosure Mediation Program? If you have any questions about the Foreclosure Mediation Program, please contact Nan Todd, Clerk of Circuit Courts and Program Administrator at 920-459-0313. Download documents:       "Notice of Mediation Availability" - click here       "Request for Foreclosure Mediation" - Click here