Help With Financial Difficulties

At OneMain Financial, we're always here to help our customers. We recognize that in today's challenging economic environment; there may be circumstances where some of our customers may have difficulty making their monthly loan payment. If you find yourself in this situation, it is very important for you to call your local OneMain Financial branch or 1-877-550-6246 right away, so we can act quickly to find the solution that's right for you. If you contact us early, we have more options to help you make your payments. So, if your financial situation changes, please call your local office or the toll-free number as soon as possible to take full advantage of the assistance we have to offer.

Required Information and Documents

To determine your need for assistance and options you may qualify for, you will need to provide us with the following information:

• Employment verification
• Income verification, including pay stubs
• Asset information, including savings and checking
• Monthly expenses, including automobile loans and credit card payments

Options to Keep or Sell Your Home Include:

Modification

Modification is available to cure the delinquency by modifying the terms of your mortgage to add a portion of the past due amount to the current unpaid principal balance. Extending the maturity date of the loan and adjusting the interest rate may also be considered, when necessary, in order to make the monthly payments affordable.

Short Sale

If you can no longer afford your home and the property's value is not sufficient to pay your loan in full, we may be able to accept less than the full payoff amount as settlement.

Deed-in-Lieu

If you have had your property listed for sale at fair market value for 90 days with no activity, we can review the account for a deed-in-lieu. If you qualify, we would agree to accept title to the property by warranty deed as settlement of the account.

To receive information from the Department of Housing and Urban Development on a HUD certified counseling agency call 1-800-569-4287.

For New York Residents Only:

A schedule of standard or common fees is below, or is available upon request to you or your representative:  New York Fee Schedule

A list of government approved not-for-profit housing counselors in your geographic area can be found here.

For Washington Residents Only:

State law requires us to provide you with certain information before foreclosure.

To determine your financial situation and options you may qualify for, be prepared to present the following information:

•  Employment verification
•  Income verification, including pay stubs
•  Asset information, including savings and checking
•  Monthly expenses, including automobile loans and credit card payments

Options to avoid foreclosure and keep or sell your home Include:

Modification - available to cure the default by modifying the terms of your mortgage to add a portion of the past-due amount to the current unpaid principal balance.  Extending the maturity date of the loan and adjusting the interest rate may also be considered, when necessary, in order to make the monthly payments affordable.

Short Sale - when the property's value is not sufficient to pay your loan in full, we may be able to accept less than the full payoff amount as settlement.

Deed-in-Lieu - after you have had your property listed for sale at fair market value for 90 days with no activity, we can review the account for a deed-in-lieu.  If you qualify, we would agree to accept title to the property by warranty deed as settlement of the account.

You may contact the Department of Financial Institutions, the Washington State Bar Association, or the statewide civil legal aid hotline for possible assistance or referrals.  The Department of Financial Institutions toll-free number to assist you in finding a certified housing counseling agency is 1-877-894-HOME (1-877-894-4663).

You may discuss the circumstances of your default or options to avoid the foreclosure with one of OneMain Financial's loan counselors. Please call us toll-free at 877-550-6246.