Later mail may include important notice of pending legal action.
Your failure to open the mail will not be an excuse in foreclosure court. Know your mortgage rights.
Find your loan documents and read them so you know what your lender may do if you can't make your payments. Learn about the foreclosure laws and timeframes in your state as every state is different by contacting the State Government Housing Office. Understand foreclosure prevention options. Valuable information about foreclosure prevention also called loss mitigation options can be found on the internet at www.
Contact a HUD-approved housing counselor. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance. After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment.
Look for optional expenses-cable TV, memberships, entertainment-that you can eliminate. Delay payments on credit cards and other "unsecured" debt until you have paid your mortgage.
Do you have assets -- a second car, jewelry, a whole life insurance policy -- that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income?
Even if these efforts don't significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home. Avoid foreclosure prevention companies. You don't need to pay fees for foreclosure prevention help -- use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. Time to throw a housewarming party to celebrate. Check out these websites for tons of cool moving announcements. Remodel Your Way to Tax Deductions Make sure to do value-enhancing projects, and hold on to those receipts.
These ten tips will help you avoid moving scams.
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