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Stop Foreclosure

Stop Foreclosure

If you need to stop foreclosure, you may be facing financial problems that leave you unable to pay your mortgage. While this can be a very emotional problem, it is important to remember that thousands of people across the country face the same problem each month. There are ways that you can avoid foreclosure, stop collection calls, recover your credit and move on.

To stop foreclosure, you can file bankruptcy. This legal process allows your debts to be forgiven. Once you file, all attempts by collection agencies and by creditors to contact you and get your money must stop. You will generally get to keep your home and you will get some relief. You will be able to start over, building your credit up slowly. This is not a decision to be taken lightly, however. You may lose some of your assets to satisfy your creditors and your credit will remain ruined for about ten years. This solution is a last ditch effort to save your home.

Another option is to sell your home and to use the money from the sale to pay off your debts. If you have lots of equity in your home, you may even be able to buy another home - maybe a low-cost fannie mae property - that will be more affordable for you. HUD repo homes can also be more affordable than the home you are living in now and can offer you much-needed relief from debt. This option to help stop foreclosure is best if you still have some time before the property auction. Plus, you need to make sure that the amount of money you will get for your house will pay off your debts and will leave you enough money to start over.

Stop Foreclosure

You may also be able to stop foreclosure through refinancing. Talking to your lender as soon as you miss a payment can help. Talking to your current lender and other lenders may give you some options - a lender may be willing to offer you a new home loan, one that you can more easily afford. Your current lender may even be willing to defer payments, so that you can get back on your feet before you have to start paying your mortgage again.

An investor may be able to help you, especially if you have some equity in your home. A legitimate investor can buy your home, and this stop foreclosure sale can even be very flexible - you may even be able to keep living in your home. An investor may simply buy your equity or take over your loan. There are many ways that a professional can help, but make sure you are dealing with someone honest and always speak to a real estate attorney before agreeing to anything.

Debt consolidation can also be quite useful in stopping foreclosure. If you have many debts and the total cost leaves you unable to make mortgage payments, all your debts can be combined into one. With only one bill payment and one interest rate, you save money on your interest and monthly bills, leaving you more money to pay your mortgage.

Be sure to check out to learn more on how to stop foreclosure. Knowing how to stop foreclosure is essential. You simply will not cease worrying until the situation is handled. We have helped customers find affordable homes that have helped stop foreclosures, so if your home is simply too expensive, be sure to check out our current list. Our homes offer you equity and low prices - which can help you avoid repossession in the future.

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