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When your lender calls you or mails something to you, don't ignore them. Keep in mind that they will be required to initiate foreclosure proceedings, if they do not hear from you.
As soon as you possibly can, get in touch with your lender. You will want to discuss all possible options with them, should you be having trouble making payments. The longer you put off getting in touch with them, the fewer options you are going to have.
Get the best foreclosure-avoidance counseling you can find. Be careful of any solicitors guaranteeing you a modification of your loan, or that charge large up-front fees, or any similar solutions to stop foreclosure.
Without the help of a bankruptcy attorney, you can petition for a loan modification. There are however, some things only a bankruptcy attorney can do, such as contest mortgage line items which may be unreasonable, and review every loan document for legal violations.
In all your communications with the lender, keep careful notes including the time and date of the contact, the name of the representative, the nature of the contact(postal mail, fax, email, phone, face-to-face), and the outcome of the communication.
Any oral requests that you make. So that you can document when the lender receives it, send it by certified mail, "return receipt requested".
Because you may not qualify for certain sorts of assistance should you move out, stay in your home during the process.
To get the help you need before the relief can take 3-6 months of calls, letters, emails, faxes etc.
Keep on trying, even if your loan modification should be turned down. Federal and State Government agencies, as well as all the banks out there, are constantly implementing new programs to aid homeowners with bankruptcy and mortgage modification issues.
For help and information, don't hesitate to get in touch with Gwinnett County Bankruptcy lawyer Keith Cornwell for a free consultation by calling 404-791-4449
Cornwell Law FIrm
2180 Satellite Blvd, Suite 400
Duluth, Ga, 30097
Fax: +1 987-123-456
FREE CONSULTATION - CALL 404 791 4449
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