are considered to be in default on your loan. It’s not unusual during ongoing hardship that a home owner will find themselves two or more payments behind. It’s then they discover that the lender will no longer accept a single payment. They will send it back alerting you to the fact that partial payment is no longer acceptable and that the loan must be brought current. NOW IT’S ON! You have to call them. The good news is you may now be directed to there loss mitigation or workout department. These folks can be much more agreeable than collection and will usually work with you to come to OK, everyone has the magic pill, the cure all answer to save your home from this miserable thing called foreclosure. But who can you believe? How do you evaluate all of the available information and then distinguish the fact from fiction from the outright lies. It’s at a time in your life, when things are so difficult, when you find yourself battling daily, the anger, fear, confusion, embarrassment, frustration, and all else that accompanies a possible foreclosure, that you are most vulnerable. It doesn't seem fair that it’s at this time that you are called on to make the hardest and most critical decisions of your lifetime.

DON’T DESPAIR! There is hope, because the reality is in most foreclosure cases there really is an answer and there really are people, programs, and strategies that can work in your best interest to help save your home from foreclosure. BUT YOU MUST ACT NOW! When it comes to foreclosure, TIME IS YOUR ENEMY!

The biggest mistake, homeowners who find themselves in delinquency/foreclosure make, is that they don’t do anything until it’s too late. When they do finally act, they find that they’ve waited so long that they’re now easy prey for unscrupulous investors, attorneys, realtors, foreclosure consultants, predatory lenders, etc. Though there are many excellent, knowledgeable, and honest practitioners in the above mentioned fields, you can be sure that there are plenty of bad ones just waiting to steal your home and/or equity. BE CAREFUL, DO YOUR HOMEWORK, KNOW YOUR OPTIONS, KNOW WHO YOU’RE DEALING WITH.

Here is the simplest answer on how not to be a foreclosure victim: BE PROACTIVE!

Contact your lender immediately. Don’t ignore their calls and letters. If you have ignored them to this point, pick up the phone however uncomfortable it may be and express your desire to work something out. Remember the first calls you’ll receive are usually from collection. This normally happens when you are a couple of weeks late and are considered delinquent. These folks do not always have the best personalities or offer the most pleasing conversation but remember that’s what they’re paid for, to explore the problem and get the money. It is best for you if you can handle things at this level.

If you can’t get back on track due to a hardship and are more than 30 days late, it’s at this point that you are considered to be in default on your loan. It’s not unusual during ongoing hardship that a home owner will find themselves two or more payments behind. It’s then they discover that the lender will no longer accept a single payment. They will send it back alerting you to the fact that partial payment is no longer acceptable and that the loan must be brought current. NOW IT’S ON! You have to call them. The good news is you may now be directed to there loss mitigation or workout department. These folks can be much more agreeable than collection and will usually work with you to come to

st critical decisions of your lifetime.

DON’T DESPAIR! There is hope, because the reality is in most foreclosure cases there really is an answer and there really are people, programs, and strategies that can work in your best interest to help save your home from foreclosure. BUT YOU MUST ACT NOW! When it comes to foreclosure, TIME IS YOUR ENEMY!

The biggest mistake, homeowners who find themselves in delinquency/foreclosure make, is that they don’t do anything until it’s too late. When they do finally act, they find that they’ve waited so long that they’re now easy prey for unscrupulous investors, attorneys, realtors, foreclosure consultants, predatory lenders, etc. Though there are many excellent, knowledgeable, and honest practitioners in the above mentioned fields, you can be sure that there are plenty of bad ones just waiting to steal your home and/or equity. BE CAREFUL, DO YOUR HOMEWORK, KNOW YOUR OPTIONS, KNOW WHO YOU’RE DEALING WITH.

Here is the simplest answer on how not to be a foreclosure victim: BE PROACTIVE!

Contact your lender immediately. Don’t ignore their calls and letters. If you have ignored them to this point, pick up the phone however uncomfortable it may be and express your desire to work something out. Remember the first calls you’ll receive are usually from collection. This normally happens when you are a couple of weeks late and are considered delinquent. These folks do not always have the best personalities or offer the most pleasing conversation but remember that’s what they’re paid for, to explore the problem and get the money. It is best for you if you can handle things at this level.

If you can’t get back on track due to a hardship and are more than 30 days late, it’s at this point that you are considered to be in default on your loan. It’s not unusual during ongoing hardship that a home owner will find themselves two or more payments behind. It’s then they discover that the lender will no longer accept a single payment. They will send it back alerting you to the fact that partial payment is no longer acceptable and that the loan must be brought current. NOW IT’S ON! You have to call them. The good news is you may now be directed to there loss mitigation or workout department. These folks can be much more agreeable than collection and will usually work with you to come to

nscrupulous investors, attorneys, realtors, foreclosure consultants, predatory lenders, etc. Though there are many excellent, knowledgeable, and honest practitioners in the above mentioned fields, you can be sure that there are plenty of bad ones just waiting to steal your home and/or equity. BE CAREFUL, DO YOUR HOMEWORK, KNOW YOUR OPTIONS, KNOW WHO YOU’RE DEALING WITH.

Here is the simplest answer on how not to be a foreclosure victim: BE PROACTIVE!

Contact your lender immediately. Don’t ignore their calls and letters. If you have ignored them to this point, pick up the phone however uncomfortable it may be and express your desire to work something out. Remember the first calls you’ll receive are usually from collection. This normally happens when you are a couple of weeks late and are considered delinquent. These folks do not always have the best personalities or offer the most pleasing conversation but remember that’s what they’re paid for, to explore the problem and get the money. It is best for you if you can handle things at this level.

If you can’t get back on track due to a hardship and are more than 30 days late, it’s at this point that you are considered to be in default on your loan. It’s not unusual during ongoing hardship that a home owner will find themselves two or more payments behind. It’s then they discover that the lender will no longer accept a single payment. They will send it back alerting you to the fact that partial payment is no longer acceptable and that the loan must be brought current. NOW IT’S ON! You have to call them. The good news is you may now be directed to there loss mitigation or workout department. These folks can be much more agreeable than collection and will usually work with you to come to

ne however uncomfortable it may be and express your desire to work something out. Remember the first calls you’ll receive are usually from collection. This normally happens when you are a couple of weeks late and are considered delinquent. These folks do not always have the best personalities or offer the most pleasing conversation but remember that’s what they’re paid for, to explore the problem and get the money. It is best for you if you can handle things at this level.

If you can’t get back on track due to a hardship and are more than 30 days late, it’s at this point that you are considered to be in default on your loan. It’s not unusual during ongoing hardship that a home owner will find themselves two or more payments behind. It’s then they discover that the lender will no longer accept a single payment. They will send it back alerting you to the fact that partial payment is no longer acceptable and that the loan must be brought current. NOW IT’S ON! You have to call them. The good news is you may now be directed to there loss mitigation or workout department. These folks can be much more agreeable than collection and will usually work with you to come to

are considered to be in default on your loan. It’s not unusual during ongoing hardship that a home owner will find themselves two or more payments behind. It’s then they discover that the lender will no longer accept a single payment. They will send it back alerting you to the fact that partial payment is no longer acceptable and that the loan must be brought current. NOW IT’S ON! You have to call them. The good news is you may now be directed to there loss mitigation or workout department. These folks can be much more agreeable than collection and will usually work with you to come to some type of an agreement.

Do not let fear stop you from making the calls that will solve your foreclosure dilemma. YOU CAN AND MUST DO IT, IT’S WORTH IT!

If you find that it’s not in your nature to make the calls, for whatever reason or if you don’t know or understand the options that are available to you, contact one of the free agencies or a reputable professional fee based organization to handle it all for you. Remember - BE PROACTIVE AND ACT NOW - Don’t Be A Foreclosure Victim!