Indiana Foreclosure Prevention Network (IFPN) and Indiana HELPS

IN HELPS Counselor Information

For those organizations who employ housing counselors for either pre-or post-purchase counseling, please refer to the Indiana HELPS certification guide for 2014. Please visit here or contact Ken Mitchell for more information on upcoming trainings or questions regarding certifications.

NOTE: Staff are updating the current list of Indiana HELPS certified pre-purchase and post-purchase (foreclosure) counselors.

For more information on the IFPN, please visit http://www.877gethope.org/

Indiana's Guide to IN HELPS: Homeownership, Foreclosure Prevention, and Financial Education Certifications

IFPN Radio Ad #1
IFPN Radio Ad #2

Foreclosure Counseling Standards and Protocol Information for IFPN Counselors

NFMC Program Protection and Disposal of Client Information
National Industry Foreclosure Counseling Standards

Foreclosure Pre-Suit Notice

On March 17, 2010, Governor Daniels signed into law House Enrolled Act No. 1122. Section 3 of HEA 1122 requires that IHCDA revise the Pre-Suit Notice required under IC §32-30-10.5-8. Under IC §32-30-10.5-8, a lender must send a homeowner a Pre-Suit Notice on a form prescribed by IHCDA at least thirty (30) days prior to filing a foreclosure action against the homeowner.

To provide ample lead time to lenders to adopt the revised Pre-Suit Notice, IHCDA now posts a FINAL version of the Pre-Suit Notice, as revised to comply with the terms of HEA 1122, at http://www.877gethope.org/. Under Indiana law, lenders must adopt this Notice no later than January 1, 2011.

Instructions

Please see below for instructions for the Pre-Suit Notice. Although IHCDA has provided instructions for completing and sending the Notices, these are not to be construed as legal advice and do not replace or supersede the provisions of IC 32-30-10.5-8 or other applicable law.

Instructions for Completing Foreclosure Notices

Revised Foreclosure Pre-suit Notice

The effective date to begin using this revised notice is December 1, 2015.

Pre-Suit Notice
Pre-Suit Notice (Spanish)

Foreclosure Settlement Conference Notice

On May 10, 2011, Governor Daniels signed into law Senate Enrolled Act No. 582. Section 8 of SEA 582 requires IHCDA in consultation with the division of state court administration to prescribe new language for the Settlement Conference Notice. IHCDA takes the opportunity to revise the Settlement Conference Notice and prescribe a new version under the authority granted in IC §32-30-10.5-8. The original Settlement Conference Notice was published in July 2009 after considering the input of a great many parties, none of whom had the benefit of knowing quite how Indiana’s new foreclosure law would work in practice.

Having operated under the new law for nearly two years and received feedback on the Notice, IHCDA recognized that the Settlement Conference Notice was not meeting the legislative intent as well as it could. Feedback consistently indicated that homeowners would be more apt to request settlement conferences if the Notice were located on the first page of the summons that is served to the borrower in a foreclosure action. The new Notice has been written so that the borrower is notified of their right to a settlement conference on the first page of the summons.

To provide ample lead time to lenders to adopt the revised Settlement Conference Notice, IHCDA now posts a FINAL version of the Settlement Conference Notice. Lenders must adopt this Notice no later than July 1, 2011.

Settlement Conference Notice

Loss Mitigation Package

In conjunction with revising the Settlement Conference Notice, Senate Enrolled Act No. 582 Section 6 requires that IHCDA specify a set of documents known as the “Loss Mitigation Package.” The borrower must provide the Loss Mitigation Package to both the lender and the court thirty (30 days) prior to a scheduled settlement conference. Under Indiana law, borrowers must provide this Loss Mitigation Package for foreclosures filed after June 30, 2011.

Loss Mitigation Checklist
Loss Mitigation Forms