The House is in my wifes name and we are facing foreclosure..they have set a date of nov. 6th in georgia. what can we do to save the house. we supposedly had been approved for a loan modification…and now they are saying the loan negtiator is making the decision…meanwhile the date is coming. we hired a stop foreclosure place..paid them 700 and still are facing the same thing..we can’t reach this person at lender as they say it’s all up to her if we can modify our loan or not…do what can we do now…we want to keep home…don’t really want bankruptcy….it’s like if we can get this phantom person to say yea or nea…that would at least help. What do u think we can do?

This really caught my eye, I was in this place at one time, GOD bless, he knows what he is doing, Pray, let him do the rest, trust that whatever happens happens for a reason, he may have a better door for you to open, just as he did for me after I lost my house. I miss my house, but love what GOD has done and is doing for me, PRAY and TRUST, may not be what you want to hear, but he controls all things for the good and the bad. GOOD LUCK

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My husband and I bought our condo for our family about a year and a half ago for 108. At the time in this area, this was a great deal. We bought it from a friend that we’d rented from for a couple years, and the condos in the area for our model were going any where from 115’s to the upper 120’s. We love the area, we LOVE the schools, and we didn’t want to move. So, we went for it. It was really stressful, but we pushed forward.

So now, fast forward, the homes in the area are in the LOW 80′S! My work is working me less and less. My husband lost his part-time job due to it being sold to a foreign company and downsizing, which might not seem like much but at this part-time job he made more on a weekend than he did the entire week at his full-time job cause it was a union job. So, that was a HUGE hit to us. He still maintains his full-time job. We are limited because we only have one car, so we work opposite schedules. And, because of all of these things and more our mortgage is falling behind. We are running about 1 1/2 to 2 months behind at any given time. And, now with the holidays coming up we’re really stressing out. Especially since we have two children, an 11 year old girl and an almost 13 year old boy.

We’re doing everything we can. We’ve rented out half our garage. We’ve cut off our home phone. We don’t pay for online service (we just use the wifi). We supplement grocerys from our grandpa (who buys grocerys for the whole family, it’s kind of his hobby. he loves it!). My sister (who lives across the street) and I alternate who makes dinner to save money. We don’t buy fast food. We don’t keep snacks or pop in the house. We buy generic EVERYTHING. My kids STILL don’t have all their school clothes. My son doesn’t have a winter coat yet, he uses my husbands. Thank God for hand-me-down clothes from the family! After all of this, my mortgage is still slipping! And, I’m scared to death that they are gonna come tell us to leave!

I know this is a lot to read, and I appreciate you reading this. Most of what I’ve read online about the government helping people stop foreclosure pertains to people with variable interest rates, which we don’t have. So, is there help out there for people like me who are doing everything they can but still coming up short?

Thank you, God bless and Merry Christmas!

This is not true about only people with adjustable rate mortgages are being redone.

You have taken precautions that others would not to reduce your monthly expenses.

You should call your lender, You would want to speak with someone in the Lost Mitigation Department outline to this person the current financial situation you and your family are currently in. Make sure you are speaking with a person that can make a decision about modifying your mortgage and the requirements necessary to do so.

Ask this person to send you a mortgage loan modification package. You should be able to complete this application, yourself.

A few home owners go to a loan modification company for assistance. If you utilize a mortgage loan modification company they will charge you a fee for their services. Keep in mind that you will be pay them no matter the outcome.

I hope this has been of some benefit to you, good luck.

"FIGHT ON"

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Stop Foreclosure Tampa David M testimonial, from David M short sale homeowner happy with Jennifer Richards with Charles Rutenburg Realty and TLC Property Solutions llc to Avoid Foreclosure in Tampa. Information, go to www.StopForeclosureTampa.net

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hi just a question im attending some seminar right now to stop foreclosure i just wanna find out they said you can prolong your stay at your house up to 36 months even investment they call it 911 retention what they going to do is hire a real estate atty and they will negotiate everything i know some people here know what im trying to say just wanna make sure all this seminar are not scam because your going to pay $2200 a month for processing your case then every month once prolong you’ll have to pay the atty $900-$1200 a month pls help

They are asking you to pay for their help to rip off your bank?

This does not sounds like a scam to you?

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we live in wayne county michigan. 2 days ago we found a note on the door that said our house was going up for sherrifs sale in approximately 30 days. what can we do to prevent the sale / foreclosure of our house. if we pay the past due amount does this stop foreclosure…….PLEASE HELP………this is serious so please no smart remarks……..JUST SOUND ADVICE

Find out what needs to be paid and pay it. Call your bank! Otherwise you are out.

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Being able to stop foreclosure sale when your mortgage company refuses to work with you can be a challenge at best, a nightmare at worst. But there are still ways to save your home from foreclosure even if your mortgage company will not work with you.

You even have options if your mortgage company will not work with you to stop foreclosure sale. Check to see if your state has a right to cure period and a right to redeem period. A right to cure means that you pay all of the money necessary to get your loan current. This includes all fees. In my county, I had to file right to cure papers at least 15 calendar days before the sale date. All I had to do was fill out a piece of paper and send it in to the public trustee in my county. The county then got the cure figures from the mortgage company. By law, the mortgage company has to provide cure figures.

A right to redeem means that you can still get your home back even after it has been sold at a foreclosure sale. While this is not a way to stop foreclosure sale, it is still a way to save your home. The trick with this is that you have to come up with all of the money that you owe your mortgage company plus any fees. This is not just getting your loan current, it is paying off your loan in full. The other thing to keep in mind is that not every state has a redemption period. Do not count on this as an option. Be sure to do your research so you know what the rules are for your state.

Another thing that you can do is enlist an advocate to help you stop foreclosure sale. Try getting a HUD approved counselor to help you work with your mortgage company. HUD counselors are trained to help with housing issues and may be able to come up with options or ideas that you have not thought of. Another good advocate that you can get is a lawyer. They can help you understand what your legal rights are when your mortgage company will not work with you.

Jill Borash
http://www.articlesbase.com/real-estate-articles/stop-foreclosure-sale-when-your-mortgage-company-will-not-work-with-you-717703.html

Options available for Las Vegas foreclosure prevention, and it also applies to national options for foreclosure help Distributed by Tubemogul.

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