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How-to · Housing & utilities

Get free foreclosure counseling from DevNW

Any Oregon homeowner behind on the mortgage or facing foreclosure can get counseling from DevNW at no charge.

Steps

4 steps
  1. Complete the DevNW applicationFill it out in English or Spanish with supporting documents; both are needed before scheduling.
  2. Wait for a call to scheduleDevNW's Program Support team calls you to set up your counseling appointment.
  3. Meet with your counselorCounselors can help you apply for a loan modification or forbearance and give referrals.
  4. Follow your conference noticeIf you have a Notice of Resolution Conference, follow its instructions.

Bring

  • DevNW enrollment packet
  • DevNW budget sheet
  • Hardship letter
  • Form 4506T
Reach out early: the sooner you contact DevNW, the more options you have.
  • How-to

    Ask your OHP plan for housing help (rent, utilities)

    Housing & utilities
    1. Find out if you are in a CCOIf you are not sure whether you are a CCO member or an open card member, call OHP Client Services.
    2. Gather paperwork if you want rent helpHave your OHP ID card, a lease or rental agreement, and recent proof of income ready.
    3. CCO members: ask your CCOCall your CCO or use its HRSN housing request form, and make sure the request goes to your CCO.
    + 1 more step in the full guide
    BringYour Oregon Health Plan ID cardLease or rental agreementProof of income, past two months
    Oregon Health Authority and your CCO888-834-4304
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    Ask your utility about a medical certificate

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    1. Ask your utility about the certificateCall your electric or gas company and ask how it handles a medical certificate on your account.
    2. Have a medical professional submit itA qualified medical professional sends an Emergency Medical Certificate to your utility. The patient must live in your household.
    3. Set up a payment planWith an accepted certificate you can arrange more lenient payment plans, or renegotiate if you can show financial hardship.
    + 1 more step in the full guide
    BringPatient name and relation to youDescription of health conditionsHow long the condition will lastType of service neededMedical professional's signature
    Oregon Public Utility Commission503-378-6600
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    Call 811 before you dig

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    1. Call 811 at least 2 business days aheadYou can also call toll free at 1-800-332-2344. Call before any digging project.
    2. Let the utilities mark their linesThe notification center coordinates with your utilities to mark electric, gas, communications and water lines.
    3. Call even if you hire a professionalCall 811 whether you plan to dig yourself or hire someone.
    Oregon Utility Notification Center (OUNC)811