CALL TO ACTION I can relate to what you're going through, as I've been there myself. I'm not your enemy here; the lender is. I've been through this before. I came within an inch of losing my house and even the car, and I sure wish I had someone like me to guide me through it. I'm trying to help you. Our experienced team is prepared to help you stop the foreclosure process, but we would appreciate some specific information from you to do so. You Have FIVE Options while in a pre-foreclosure 1. Reinstatement - Find new funds to bring the loan up to date. 2. Modification - wrap the behind payments into a new loan. 3. Bankruptcy - This seriously impacts your credit and can affect your ability to buy a new house for 7-10 years. However, it can be temporarily useful, kicking the can down the road a little further. See Chapter 13 4. Cash Sale - sell quickly and, hopefully, break even, depending on your equity. 5. Subject to — we take over the note and offer you some cash, covering moving expenses, and a fresh start, preserving your credit and integrity. Note: Most people I talked to were confused by the details and awkwardness of foreclosure, so I helped them walk through the Five Options. Each option must be explained, as each has positive and/or adverse effects. I'm not trying to add to your
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