HOPE.you Financial Recovery Tools Terms of Use
HOPE.you provides general educational information and estimates, not individualized financial, legal, tax, or housing advice.
No professional relationship
Using the site does not create an attorney-client, fiduciary, counseling, lender, or adviser relationship.
No guarantee
Programs, laws, creditor practices, and eligibility change. Verify deadlines and terms with the responsible organization. We do not guarantee approval, savings, credit outcomes, or avoidance of foreclosure or collection. The financial and legal disclaimer explains when local professional help may be necessary.
External resources
Links to agencies and organizations are provided for convenience and verification. Unless a link is clearly labeled as advertising or affiliate-supported, it is not an endorsement or paid placement. Paid links must be technically marked sponsored and nofollow.
Use the site as a starting point
Verify changing rules
Program eligibility, laws, creditor practices, and deadlines can change. Confirm the current rule with the responsible organization.
Read written terms
A calculator or guide cannot replace the agreement offered by a lender, servicer, counselor, utility, court, or government program.
Get local help for legal deadlines
Court papers, foreclosure sales, garnishment, eviction, and repossession can require prompt advice from a qualified local professional.
Last reviewed October 20, 2026.