Which individual would be categorized as a foreclosure consultant?

A foreclosure consultant is typically defined as someone who provides guidance or advice to homeowners facing foreclosure, helping them navigate the complexities of reinstating their mortgage or exploring alternatives to foreclosure. In this context, the individual who assists an owner in exercising his right of reinstatement fits this definition perfectly. This role involves directly aiding the homeowner in understanding and potentially reclaiming their property by working with the lender to reinstate the mortgage loan—essentially offering specialized knowledge and support regarding foreclosure processes.

The other options, while they may involve helping individuals in distress due to financial issues, do not specifically fall under the category of foreclosure consulting. For instance, a licensed accountant offering to help reduce credit damage typically focuses on financial advice rather than dealing with foreclosure processes directly. A CA-licensed attorney may address various legal matters related to foreclosure, but without specifically focusing on consulting, their role is broader and may not involve the same kind of direct support as that of a foreclosure consultant. Additionally, a credit union assisting an owner in obtaining a loan would be involved in lending services rather than consulting specifically for foreclosure situations.