Consumer Credit & Residential Mortgage Foreclosure

Diversion Program

The mortgage foreclosure and credit card default crises are also legal crises for many people. Many homeowners are losing their homes and credit card debtors are being subjected to unnecessary financial losses because they lack the ability to navigate through the complex legal processes involved. Although foreclosure and financial losses may be inevitable for many individuals, it is not so for all. Having legal representation can help some homeowners save their homes and some credit card debtors from unnecessary financial losses and credit score penalties.

Judicial Response

Recognizing that a judicial response to this crisis was needed, the Butler County Court of Common Pleas, in conjunction with others in the Butler County community, developed the Consumer Credit/Residential Mortgage Foreclosure Diversion Program ("Program"). The Program has been developed through collaboration among a broad spectrum of interested persons and agencies within the Butler County community. The goals of the Program are to provide a court-sanctioned opportunity for credit and legal counseling for the debtor and to facilitate communications between creditors and debtors at the outset of a case so as to make possible an early resolution between the parties and avoid unnecessary litigation and waste of judicial resources.

Help is available and it is free!

Contact Information

Contact the Butler County Housing Authority at 724-287-6797 for more information and help to prepare and file a Request for Conciliation Conference (PDF).

Mortgage & Credit Card Assistance Classes

These counseling classes are free and are conducted in a group setting. Each session provides an overview of the relevant law, the legal process, and the options defendants can pursue. These classes are mandatory for all participants in the Butler County Consumer Credit and Mortgage Foreclosure Diversion Program. View more on the following:

Credit Conciliation Partners

Access more resources for credit conciliation partners.