To any homeowner in America having trouble paying their mortgage 24 hours a day/7 days a week Absolutely free foreclosure prevention counseling by expert counselors at HUD-approved agencies Service begins immediately—the counselors themselves answer the phone Homeowners can get budgeting help, a written financial plan, assistance contacting their lender If they’d like face-to-face counseling or need local resources, homeowners are referred to their local NeighborWorks® organization or other counseling organizations