Jacksonville Homeowners facing foreclosure have a chance for some free legal advice.

The Jacksonville Area Legal Aid has started holding monthly clinics to help people avoid foreclosure and predatory lenders.

"People think the crisis is over, that we've already bottomed out, but that's not true," said Lois Ragsdale, an attorney in JALA's Predatory Lending Unit. "The number of foreclosures coming down the pike is astronomical."

She says it is best to address problems with foreclosure as soon as possible because lenders are more willing than every to approve changes in the terms of your loan.

The next clinic will be Wednesday night at 5:30 at JALA's office at 126 West Adams St.