A very common desire is to use the "Do it Yourself" approach. Most people only seek assistance or advice when they feel they have lost control and it's the same with your mortgage or other debt. Usually, it takes longer to recognize the patterns that lead to financial ruin. It's very common to keep making payments on other bills while your mortgage goes unpaid. You come to the position where you are having to juggle bills and payments around that just keeps you living on the edge. Just not enough to pay the mortgage ever accumulates and then somehow, the balance you did have ends up being spent on something else. This usually turns into a situation where you just hope the problem just goes away on it's own, which is not likely to happen. If you are not sure what needs to be done, but want to do it yourself, we
can help you NOW! Just call, as we have a program for you.
Only YOU can decide when it's time for some help. Maybe a windfall will come your way. You will inherit a million, win the lottery or get a large raise and all your problems will disappear. However, if you are only able to make a payment which does not catch you up completely, it's more likely that the situation will become more and more desperate until you are backed into a corner as events overtake you.
If you see yourself heading down that path, you may want to consider getting some help now, before your options dwindle.
At this point, you may decide to call your mortgage company and ask for some help. So you call their customer service center and explain your situation. You may try to negotiate a payment plan or other type of solution. They will transfer you to a special department, trained to deal with customers with problems like yours. You will either get caught up or your checks will go uncashed or start being returned. This usually means the foreclosure process has started. Your window of opportunity to work something out varies by state, but one thing for certain, the windows shrinks by the day. We can help you NOW!
Phone Tag! Sometimes a homeowner experiences difficulty in reaching the mortgage company and phone calls go unanswered or they end up playing phone tag for weeks with the homeowner. Occasionally, the homeowner's servicing agent may change and it takes a period of time to find the new servicing agent and get in contact with them. All the while, precious time is lost and the window of opportunity to negotiate an end to the foreclosure dwindles. We can help you NOW!
They will not talk to me any more! Yes, in some instances this occurs, and you end up attempting to stop the process that has started with little or no idea why your mortgage company will not talk to you, will not accept your payments any more or they only want all the past due money now. [of course, if I had the money now, I would not be in this jam!!], or you are talking to your mortgage company but you feel they just are not listening to you any more. All the same time, fees and expenses of a foreclosure are adding up! Finally the time period before unfortunate action on the home occurs has been reduced to a small window and the timing of events may get out of hand. Do not fall into this trap!
RESTRUCTURE LOAN (1/6) | REFINANCE PROPERTY (2/6) | OPTIONS UNDER LAW (3/6)
DISPOSE OF PROPERTY (4/6) | DO IT ALL YOURSELF (5/6) | PAY ALL MONEY DUE (6/6)
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