If you faced foreclosure actions on your home in 2009 or 2010, you may have the right to have an independent review of how your foreclosure was handled. If errors are found, you may be entitled to compensation through the Independent Foreclosure Review program, which is free and authorized by federal regulators.

The key thing you need to know is that if you want a review, you must apply by Dec. 31. The eligibility criteria are pretty simple:

• The foreclosure actions had to occur in 2009 or 2010 (you didn’t have to lose your home to be eligible)

• The home had to be your primary residence

• Your mortgage had to be serviced by one of 14 banks/servicers or their affiliates. You can find the list at https://independentforeclosurereview.com/.

If you are eligible, you could have your pending foreclosure suspended, your completed foreclosure rescinded or collect up to $125,000 in damages if the review finds your bank made errors during the foreclosure process.

So if you meet the criteria, apply. You have nothing to lose. The review is free and does not require you to obtain a lawyer. No matter what the review finds, you haven’t given up your rights to take future action.

Don’t let anyone talk you into paying money as part of this process. You shouldn’t have to pay someone to file an application on your behalf.

• See https://independentforeclosurereview.com/Faqs.aspx for questions and answers on the Independent Foreclosure Review.