This is a statewide program that provides free mortgage foreclosure counseling and education to at risk homeowners.  This program gives homeowners options that they might not know are out there.  The earlier a homeowner reaches out for help, the more options they have to avoid foreclosure.  Anyone who has fallen behind on their mortgage payments, or thinks that they might, should call 877-GET-HOPE.  Hoosier Uplands will then receive referrals from the hotline.