Toledo, Ohio
Facing foreclosure in Toledo?
You still have options.
A Complaint from the Lucas County Court of Common Pleas lands hard - but it's a court filing, not an eviction notice. Toledo homeowners from the Old West End to Point Place, and across the river in Perrysburg and Maumee, have months of process ahead of them and more paths through it than the collection letters ever mention. Our job is to lay out every one of them, honestly and for free.
You'll talk to Anthony - not a call center.
Free & confidential. During the day, you'll usually hear back within minutes.
Tell us where you're at.
A few quick questions, then pick a time with Anthony that works for you. Free, confidential, no obligation.
Step 1 of 2
Takes about 30 seconds. You'll confirm your details when you pick your time.
Step 2 is Anthony's calendar - pick any free 30-minute slot.
Free · Confidential · No obligation
The clock in Toledo
How foreclosure moves in Lucas County.
In Lucas County and across northwest Ohio, foreclosure means the lender sues you in the Court of Common Pleas. From the day you're served, you have 28 days to file an Answer - the most important deadline of the entire case, because missing it means a default judgment. Answer on time and the case typically runs six months to a year, time you can use to negotiate, modify the loan, catch up, or sell. If a sheriff's sale is eventually scheduled, the home must be appraised and the opening bid can't fall below two-thirds of that value - and the sale isn't final until the court confirms it about 30 days later. Until confirmation, you can still redeem or close your own sale.
Counties we serve around Toledo
Including homeowners in
Want the full plain-English walkthrough of the Ohio process? Read our Ohio foreclosure guide ›
Questions Toledo homeowners ask us.
How long does a foreclosure case take in Lucas County?
What happens if I throw away the Complaint and hope it goes away?
Can I sell my Toledo house before the sheriff's sale?
Do Toledo homeowners pay anything for your help?
How to know you're in safe hands
Foreclosure attracts scammers.
Here's how we're different.
The moment your foreclosure became public record, the letters and calls started. Federal regulators publish the warning signs of a foreclosure rescue scam - so hold us to every one of them.
We never charge you a fee. Not upfront, not ever.
Charging homeowners upfront for foreclosure help is the #1 red flag of a rescue scam - and it's illegal. Our guidance costs you nothing, period.
We never ask you to sign over your deed or title.
Your home stays yours. If you ever decide selling is your best path, it happens the normal way - a standard Ohio Association of Realtors contract you review on your own timeline.
We never tell you to stop paying your lender.
Anyone who tells you to redirect your mortgage payments to them is stealing from you. We will never touch your mortgage payments.
We never pressure you to sign anything you don't understand.
Take every document to a lawyer, a family member, or anyone you trust. We'll wait - and we'll encourage it.
You've made it this far. The next step is a 30-minute call - no pressure, and no calling you back if you don't want it.
You have options.
Let us show you what they are.
Every day that passes is a day closer to your auction date. The sooner you reach out, the more options we can explore together.
Call or text anytime. During the day, you'll usually hear back within minutes.
You'll talk to Anthony - not a call center.
Free & confidential. During the day, you'll usually hear back within minutes.