Foreclosure Preventions
Foreclosure Prevention Process - Before you have any conversation with your loan servicer, prepare. Record your income and expenses, and calculate the equity in your home. To calculate the equity, estimate the market value less the balance of your first and any second mortgage or home equity loan.
Then, write down the answers to the following questions:
- What happened to make you miss your mortgage payment(s)? Do you have any documents to back up your explanation for falling behind? How have you tried to resolve the problem?
- Is your problem temporary, long-term, or permanent? What changes in your situation do you see in the short term, and in the long term?
- What other financial issues may be stopping you from getting back on track with your mortgage?
- What would you like to see happen? Do you want to keep the home? What type of payment arrangement would be feasible for you?
Throughout the foreclosure prevention process:
- Keep notes of all your communications with the servicer, including date and time of contact, the nature of the contact (face-to-face, by phone, email, fax or postal mail), the name of the representative, and the outcome.
- Follow up any oral requests you make with a letter to the servicer. Send your letter by certified mail, “return receipt requested,” so you can document what the servicer received. Keep copies of your letter and any enclosures.
- Meet all deadlines the servicer gives you.
- Stay in your home during the process, since you may not qualify for certain types of assistance if you move out. Renting your home will change it from a primary residence to an investment property. Most likely, it will disqualify you for any additional “workout” assistance from the servicer. If you choose this route, be sure the rental income is enough to help you get and keep your loan current.
Guía de Servicios
Deuda Tarjetas de Crédito
Telf: 1-800-TARJETA
Servicio de Mudanzas
Tel:1-844-MUDANZA
llame para Estimado y Costo
Local, Nacional e Internacional
Mejorar Infome de Credito
Tel: 1-844-REPARAR
Tramite de Divorcio
Tel: 1-855-DIVORCIO
Abogada de Accidentes
Tel: 1-866-ABOGADA
SI NO GANAS, NO PAGAS
Lesiónes del Trabajo
1-833-LESIONES
Pagar Deuda de Impuesto
Debe mas de $10K al IRS
Tel: 1-833-IMPUESTOS
Donar Coche ayudar a Niños
Donar Coche Sin papeleo
1-855-DONACION
Donar Carro para Cancer
Cancer de Mama
1-833-DONACION
Deudas
- Lidiar con Acreedores
- Embargo Hipotecario
- Deudas Tarjetas de Credito
- Dificultad en Pagar Hipoteca
- Proceso de Ejecucion Hipotecaria
- Prevencion Ejecucion Hipotecaria
- Consejeros Ejecucion Hipotecaria
- Estafas Ejecucion Hipotecaria
- Pagos de Tarjetas de Credito Atrasados
- Evitar Incumplimiento de Pago
- Tipos de Deudas
- Llamada de Cobrador
Ahorre Dinero
- Beneficios por Donar Autos
- Consejos de Prestamos para Comprar Casas
- Acerca de Prepagar Una Hipoteca ARM
- Empezar a Buscar Préstamos
- Divorcio Express
- Yonkear Carro
- Donar Carro para Ninos
- Donar un Coche para Niños
- Donar Carro para Cancer
- GED Programs
- Lidiar con Acreedores
- Shopping for a Mortgage
- Foreclosure Preventions
- Ideas To Get a Mortgage
Llame Gratis para Consulta Gratis
Abogados de Inmigración
1-800-PAPELES
Donar Carro para Cancer
ayude Cancer de Mama
1-833-DONACION
Consolidar Deuda
Tarjetas de Crédito
Tel: 1-800-TARJETA
Servicio de Mudanza
Compañía de Mudanza
Servicio de Mudanza
Tel: 1-844-MUDANZA