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Will this misery ever end?
If you've lost your job or a substantial number of hours of work, you've been on an emotional roller coaster. At first you're afraid then you become numb and then you discover you are just plain tired of it. You watch leaders at the banks that caused the whole mess get rich and then watch your government bail them out, directing them to provide mortgage relief they never get around to providing to you. Now you get to look forward to paying for the bailout. As Yakoff Smirnoff would say, "What a Country!!"
If you are behind on your mortgage payments or if you think you are headed in that direction, there are several things you can do to prepare. Even in the worst cases where foreclosure is the only likely result, a good defense will buy you a substantial amount of time to get on your feet and make the transition a lot easier. Before you ever get to that point, you can attempt a to sell the property through a short-sale process. If you have a job, you might find a lender that will actually work with you to modify your mortgage.
We can counsel you about all of those options and more. We know you don't want to spend money on attorneys fees, but we think we can show you how you will get more than your money's worth. Come check us out.
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