We've had a lot of new calls from people struggling with their mortgages in the wake of stories about the state's new 90-day foreclosure moratorium. Many mistakenly believe that means they have 90 more days to deal with their problems. The law - outlined in an earlier posting here on Home Front - doesn't always do that.
If you're having trouble here are some local places to get help for free.
The Sacramento region has several nonprofit loan counseling agencies that can steer struggling borrowers toward free help under the new Obama administration program.
* The federal government advises those needing urgent help to call the Homeowner's HOPE Hotline at (888) 995-HOPE. The nonprofit venture offers free advice and counseling and can help negotiate with lenders.
* NeighborWorks Homeownership Center, Sacramento Region: (916) 452-5356; nwsac.org
* Home Loan Counseling Center of Sacramento: (916) 646-2005; hlcc.net
* ByDesign Financial Solutions, Sacramento (formerly Consumer Credit Counseling Service): (800) 750-2227; bydesignsolutions.org
* Sacramento Mutual Housing Association: (916) 453-8400, ext. 43. Staffers can accommodate those who speak Russian, Hmong, Vietnamese and Mien.
* California Senior Legal Hotline: (916) 551-2140 or (800) 222-1753; seniorlegalhotline.org. Staffers specialize in free loan counseling for senior citizens.