Facing foreclosure, need a loan of 3,000.00 Investors want to buy home, but not enough moey to move with.?
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Call your mortgage company and tell them what is going on. They do not want to forclose on your property and a lot will work with you until you can get back on track.
In Chap. 13 you can keep your home and catch up the payments. If it is just your mortgage that you are behind in, call your mortgage company to work out payment arrangements. 99% of companies really don't want your house. It is a proven fact that nobody wins when a house is foreclosed on. I know of one company (C.I.T.) that let someone pay a little extra for 4 months to try and bring the house pymt. current, and then just tacked the last two payments on to the end of the mortgage so as not to ruin their credit.
If it is more than your house that is behind, or if you are not financially savvy, make an appointment with your free local consumer credit agency, and get some financial advice. They will help you work with creditors, and charge less than the bankruptcy courts to get you current.
I agree with Missy E. Your situation doesn't seem so dire as to make either foreclosure or bankruptcy a necessary option. Since you've started working again, you have money to start catching up on your bills. Contact the mortgage lender and negotiate a payment plan. They would be very foolish not to work with you. Foreclosures are generally as bad for the banks as for the homeowners.
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