{"version":"1.0","type":"card","id":"da046d9f-899c-45d5-a21e-e1f22cb7a040","url":"https://stacklist.com/card/da046d9f-899c-45d5-a21e-e1f22cb7a040","title":"Your Options to Avoid Foreclosure (CFPB)","source_url":"https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/avoid-foreclosure/","note":"Behind on your mortgage in Duval County? This guide walks through every path: refinance, loan modification, selling, short sale, and deed-in-lieu, so you can compare before deciding. The worst thing you can do is nothing.","image":{"url":"https://ucarecdn.com/627b320a-7a9c-4cd6-a154-e9650eff82f2/","alt":"Your Options to Avoid Foreclosure (CFPB)","width":1422,"height":946},"stack":{"id":"1fd2d972-b0dd-491a-9c6d-6384039957d1","title":"Short Sale Help in Jacksonville","url":"https://stacklist.com/c/finance/stack/1fd2d972-b0dd-491a-9c6d-6384039957d1"},"created_at":"2026-07-16T05:04:31.739Z","updated_at":null,"aco":{"summary":"Your Options to Avoid Foreclosure provides guidance for homeowners facing financial hardship to explore alternatives like refinancing, loan modification, forbearance, or selling their home. The content emphasizes taking immediate action by contacting mortgage servicers and HUD-approved housing counselors to understand available options.","tags":["foreclosure","mortgage-assistance","homeowner-hardship","loan-modification","forbearance","refinancing","housing-counseling"],"key_entities":[{"name":"HUD","type":"organization","confidence":0.95},{"name":"Homeowner Assistance Fund","type":"concept","confidence":0.9},{"name":"loan modification","type":"concept","confidence":0.95},{"name":"forbearance","type":"concept","confidence":0.95},{"name":"refinancing","type":"concept","confidence":0.95},{"name":"COVID-19","type":"event","confidence":0.9}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-07-16T05:04:40.583Z"},"token_counts":{"approximate":1519,"cl100k":1230},"content_hash":"sha256:128c6f325b0c2914f33731422e38cc8e85b2d5b26aea5bc456ff1ec7c6644199","acp_version":"0.2","body_available":true,"body_tokens":1519,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/da046d9f-899c-45d5-a21e-e1f22cb7a040.json","html":"https://stacklist.com/card/da046d9f-899c-45d5-a21e-e1f22cb7a040","md":"/api/public/card/da046d9f-899c-45d5-a21e-e1f22cb7a040.md","stack_json":"/api/public/stack/1fd2d972-b0dd-491a-9c6d-6384039957d1.json"}}