FAQ's

1.  I have bad credit, should I even bother?
YES, YES and YES!  Our system provides you relief and can save your home, regardless of your credit history or score.

2.  Why did my Mortgage Company send back my payment?
Many lenders will refuse to accept any payment unless it is the entire amount you are behind (including late, collection & legal fees) once you miss just one payment. The difficult part is sending it back, often causes you to get further behind. Once foreclosure proceedings have started your lender will not accept any payment less than the full amount outstanding, including foreclosure costs and legal fees.

3.  Why are people stopping by my house?
Lenders & investors often have representatives perform a site inspection to evaluate the condition of the property and verify occupancy. Don’t be intimidated.

4.  I am behind on my payments, how much time do I have before I lose my home?
Foreclosure time vary by state. Time is not your friend, especially when you’re behind on payments. You need to take action now. With our help you can avoid foreclosure procedures from starting or stop the foreclosure if its already begun. The longer you wait, the more you will pay in court costs, late charges, and attorney fees.

5.  Do you provide help with my other bills like my auto loan or credit cards?
We specialize in stopping your foreclosure and saving homes for people who need our help.  Everyone's situation is unique and we evaluate to what extent we can help people on a case by case basis.

6.  How fast can your company stop the bank and get me out of my situation?
FAST!  How fast can you call our number or fill out our online form?  As long as the bank has not started the auction, there is time.

7.  Can you really stop my foreclosure?
YES!  This is what we do!

WHAT ARE YOU WAITING FOR?  WE CAN HELP YOU!

Do you want to know: How does the foreclosure process work? What are the steps in a foreclosure? What is the foreclosure timeline? How fast can the bank take my home in a foreclosure?

To help you, we have provided a basic foreclosure timeline here:

FORECLOSURE TIMELINE:

Day 16-30
A late charge is assessed on payment.

The company that processes borrower's payments (called the mortgage servicer) starts attempting to make contact to find out what happened.

Day 45-60
The servicer sends "demand" or "breach" letter to the borrower pointing out that terms of the mortgage have been violated.

The borrower is given 30 days to resolve the situation by paying the delinquent amount.

Day 90-105
The servicer refers the loan to its foreclosure department and hires a local attorney or other firm to initiate foreclosure proceedings.

Depending on the state where the home is located, the servicer's representative may record a formal notice of foreclosure at the local courthouse, publish details of the debt in the local newspaper, attend hearings on the case and make appropriate court filings.

Day 150-415
The house is sold at foreclosure sale or auction. The wide time range is due to different state requirements.

Borrowers in states with judicial foreclosures, or those in which lenders have to retake property titles via the court system, can get almost a year to straighten out their affairs before the sale. Those in nonjudicial states have as little as two months.

Day 150-415+
After the sale, you are forced out of your home immediately following the auction.