Because each situation is different, you will need a different type of home foreclosure help than someone else facing foreclosure. It is important to really understand your situation and to be sure that you seek out the right type of help before you go out looking for it. So how do you know what type of help you need?
Has your lender done something illegal or are the loan documents that you signed when the loan was originated invalid? If so, your best bet is going to be to get help from an attorney that specializes in foreclosure. They will know how to fight the legal battle that you are going to have with your mortgage company.
Is your lender refusing to work with you and you have a lot of other debt? If so, take your situation to a bankruptcy attorney to get home foreclosure help. They can tell you if you qualify for bankruptcy or not. If you file for a chapter 13 bankruptcy, it forces your mortgage company to work out a realistic payment plan with you. It can also help you in getting realistic payment plans with your other creditors.
Is your financial setback temporary? If so, you may be able to work out a forbearance with your mortgage company. This means that your loan payments can temporarily be suspended while you work out your financial problems. You will have to prove to your mortgage company that the situation is temporary and you will need to be actively trying to find a way to resolve your problems.
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