Many people just like you are looking for assistance to stop foreclosure, but everywhere they go, they just get turned down, or someone tries to scam them. It seems real foreclosure assistance is hard to come by. Everyday, in almost every newspaper across the country you can read about the foreclosure rates growing higher and higher. With so many people in foreclosure and so few qualified professionals to offer foreclosure assistance, where are you supposed to turn for help?
The Department of Housing and Urban Development (HUD) suggests turning to your lender for assistance and requesting a Loan Modification or Forbearance Agreement. This is great advice and some lenders can be a great source of foreclosure assistance, but what if you have already tried this, or your lender refuses to help? My advice is to try again; based on my experience, you will need to request foreclosure assistance (in writing) from your lender three or four times before they begin to take you seriously. You may also need to work with several different people; don’t be afraid to ask for a manager, or call back later (to get a different person) if you don’t like the person you’re talking to.
If this method of stopping foreclosure doesn’t work, you may want to research your legal rights as a homeowner. There are several steps your lender will need to take to legally foreclose on your home. If you feel your lender has not performed all the legal steps necessary, or if you have been treated unfairly, you may want to use our form at the bottom of this page to speak with an attorney and discuss your options.
If you have been unsuccessful with loss mitigation and if your lender has done everything exactly as they should, you may want to consider a chapter 13 bankruptcy as a legal repayment plan. Bankruptcy is generally not considered a great alternative to foreclosure, but I have seen bankruptcy save many homes and help families get their life back on track. Bankruptcy is something that should only be considered with an attorney that understands the foreclosure process as well as the bankruptcy process. This is not something you should trust in the hands of your local bankruptcy attorney. We provide a free bankruptcy evaluation with a qualified attorney in your area.
In the end, even after all your hard work, you may still find yourself in need to additional help. If this is the case, then you may need to speak with us about our private lending options, short sale options, or outright sale options. We do have many programs that can give you a lower payment and allow you to keep your home, so don’t give up hope yet, keep on trying and eventually your hard work will pay off.
We provide free foreclosure assistance and help for anyone who has fallen behind in payments, or thinks they may miss future payments. Simply fill out or free foreclosure evaluation and we will sent you our free e-book along with a customized step by step guide to help you get out of foreclosure.