Need pre-foreclosure help ASAP

[needhelpinoside]

I fell behind on my payments and have already received a Notice of Default. I also have the form to fill out regarding forbearance but there’s no way I can catch up now. My current payment is high enough already! Anyway, I’m trying to find someone who will be able to help me and can deal with my lender. I’ve contacted a couple of people, one a loss mitigation specialist and another who is a realtor, but I just want to get a few more opinions. So if you know of someone who is an expert in these cases and is a VERY GOOD negotiator, please let me know! Things have been hectic with all the fires and we were worried we would have to evacuate. Now things have calmed down in our area and I’ve got to get back to dealing with this situation. I have a 4bed/3bath home in Oceanside.

[The OC Scam]

CALL ALAN GREENSPAN!

[The OC Scam]

CALL ALAN GREENSPAN!

[The OC Scam]

CALL ALAN GREENSPAN!

[4plexowner]

‘need help’ and ‘dealing with this situation’

what is it you would like to do?

my cynical side says you are trying to play on the current sympathies being expressed inre the fires

are you hoping that somehow these sympathies will translate into a bailout for you?

~

if you are willing to share I would truly be interested in hearing what kind of help you are seeking and what it is you hope to accomplish via this help

I’d also be interested in knowing how many people are living in your 4 bed / 3 bath house

[4plexowner]

‘need help’ and ‘dealing with this situation’

what is it you would like to do?

my cynical side says you are trying to play on the current sympathies being expressed inre the fires

are you hoping that somehow these sympathies will translate into a bailout for you?

~

if you are willing to share I would truly be interested in hearing what kind of help you are seeking and what it is you hope to accomplish via this help

I’d also be interested in knowing how many people are living in your 4 bed / 3 bath house

[4plexowner]

‘need help’ and ‘dealing with this situation’

what is it you would like to do?

my cynical side says you are trying to play on the current sympathies being expressed inre the fires

are you hoping that somehow these sympathies will translate into a bailout for you?

~

if you are willing to share I would truly be interested in hearing what kind of help you are seeking and what it is you hope to accomplish via this help

I’d also be interested in knowing how many people are living in your 4 bed / 3 bath house

[The OC Scam]

Cut off your ARM!

[The OC Scam]

Cut off your ARM!

[The OC Scam]

Cut off your ARM!

[hipmatt]

Need help, I’m sorry for your situation. Unless you have some decent equity in your home, I honestly recommend attempting a short sale or just allow it to foreclose. If the payments you are facing are that high, they might never be where you can afford them. Do you really want to be married to these high mortgage payments for 30 years?

Consider walking away and renting. There are plenty of rentals available.

[hipmatt]

Need help, I’m sorry for your situation. Unless you have some decent equity in your home, I honestly recommend attempting a short sale or just allow it to foreclose. If the payments you are facing are that high, they might never be where you can afford them. Do you really want to be married to these high mortgage payments for 30 years?

Consider walking away and renting. There are plenty of rentals available.

[hipmatt]

Need help, I’m sorry for your situation. Unless you have some decent equity in your home, I honestly recommend attempting a short sale or just allow it to foreclose. If the payments you are facing are that high, they might never be where you can afford them. Do you really want to be married to these high mortgage payments for 30 years?

Consider walking away and renting. There are plenty of rentals available.

[(former)FormerSanDiegan]

You need to speak to a lawyer. What exactly is a “loss mitigaiton specialist” ? Sounds like a term for an unlicensed entrepreneur who is trying to make a buck off your situation.
Run, don;t walk to a a real estate attorney. A realtor is not likely to be of much help, other than giving you an opinion on current price.
Nope, see a real estate lawyer.
Also to educate yourself look up the following concepts:

Deed-in-lieu of foreclosure
Short Sale
1099 Debt forgiveness

Is your current mortgage acquisition debt or did you do a cash out refi or have a second ?

[(former)FormerSanDiegan]

You need to speak to a lawyer. What exactly is a “loss mitigaiton specialist” ? Sounds like a term for an unlicensed entrepreneur who is trying to make a buck off your situation.
Run, don;t walk to a a real estate attorney. A realtor is not likely to be of much help, other than giving you an opinion on current price.
Nope, see a real estate lawyer.
Also to educate yourself look up the following concepts:

Deed-in-lieu of foreclosure
Short Sale
1099 Debt forgiveness

Is your current mortgage acquisition debt or did you do a cash out refi or have a second ?

[Author]

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