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VCCDC Home Preservation Counseling offers free services to assist homeowners in preventing foreclosure for families and individuals. Unexpected emergencies, such as job loss, illness or a death in the family can lead to temporary losses in income, resulting in an inability to make mortgage payments. Our Homeownership Specialists can help you by providing available options depending on your specific situation. If you have any immediate questions, please call (805) 273-7800.