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  • Get a 2nd loan that produces cash, to be used to bring the first loan up to date, if you have enough equity and payback ability to do this.
  • Do a deed instead of foreclosure, meaning transfer deed of your house to lender & walk away free & clear of debt liability.
  • Do a short payoff, or short sale, meaning convince lender to take a discount or loss on lenders loan & sell property for what it is worth even if it is worth less than loan balance owing.
  • List & sell your property with a Realtor, before the foreclosure auction occurs, if you cannot or will not pay the obligations of property taxes & fire insurance & mortgage loans on your property.
  • Get a reverse mortgage, if over age 62 and if you have enough equity in your home, if you cannot or will not pay the obligations pertaining to your home.
  • Get a job, or a 2nd job, and use your income to pay the loans and other obligations pertaining to your home/property.
  • If divorce or loss of second income caused your loan default, then get married again to a spouse who can help you make the payments of property taxes & fire insurance & mortgage loan payments on your home/property.
  • If excessive debt obligations caused you to default on your obligations pertaining to your home, then get rid of those other debt obligations by filing a Chapter 7 Bankruptcy, which will not get rid of a real estate loan, but will usually get rid of non-secured debts.
  • Ask your boss where you work to promote you and/or increase your salary.
  • If unexpected major home maintenance expenditures caused you to be unable to pay your mortgage loan payments, then try to be more of a "do it yourself handyman", to save on & to prevent such expenditures.
  • Give to your lender a catch up plan or forbearance plan, meaning offer to lender to pay 1.3 loan payments when each payment is due, to eventually catch up and reinstate the loan & thereby stop foreclosure.
  • Ask the lender to let you skip 3 payments & pay them at end of loan, & many lenders will allow this.
  • Ask lender to let you spread out missed/defaulted payments over a year or until you catch up, example, by paying 1.3 payments each payment due date.
  • Ask lender to add your missed/defaulted back payments to your loan balance.
  • Ask lender to postpone the foreclosure, if & while you keep property tax & fire insurance up to date & pay 1.3 loan payments each loan payment due date, until you eventually fully reinstate the loan & thereby cancel the foreclosure status.
  • Cut down on restaurant lunches & save money for mortgage payments by eating more often at home.
  • Get rid of your cell phone and use the savings to pay the mortgage loan payments.
  • Get rid of your fancy, big, gas guzzling car and buy a cheap economy car & use the savings to pay your mortgage loan payments with.
  • Get a second or third job and use that extra income to make mortgage loan payments with.
  • In summer, raise your home thermostat, and in winter, lower your home thermostat, to save energy expenditures and use the savings to pay your mortgage loan payments with.
  • Get rid of your gardener and cut your own grass, to save $80 to $100/month, & use the savings to pay your mortgage payments with.
  • Do not file Chapter 13 bankruptcy unless you can afford to pay the bankruptcy trustee 10% of all the payments you pay to him & to pay your attorney maybe up to $4,000 & to pay the Chapter 13 payments, that the bankruptcy judge will force you to pay, which includes all mortgage loan payments plus extra payments to catch up defaulted payments plus other debts on top of that.
  • If you have enough equity, get a new loan and pay off the defaulted "in foreclosure" loan.
  • Stop the foreclosure by just merely fully reinstating the loan and ask lender for a full reinstatement quote.
  • Sell your house and move into a cheaper place.
  • Use your savings account money to reinstate the loan in foreclosure.
  • Get cash from your life insurance and use that cash to pay the defaulted loan.
  • Stop paying credit card payments and pay your home mortgage loan payments instead.
  • Ask in-laws for a loan to you of cash to be used to stop foreclosure.
  • Ask brothers and sisters & cousins & parents for a loan of cash to be used to stop foreclosure.
  • Get a job in the early morning, like 4AM to 6AM, delivering papers, to earn $300 to $800/mo and use that income to help pay property obligations with.
  • Ask your spouse to get a 2nd job waiting tables at a restaurant from 6PM to 9PM, to earn maybe $300 to $800/mo cash to be used to pay the mortgage payments with.
  • Stop buying expensive clothes and use the savings to pay your defaulted loan with.
  • Stop taking vacations & use the savings to pay your mortgage loan payments with.
  • Stop life insurance payments and use the savings to pay your mortgage loan payments with.
  • If possible, walk to work and use the gas savings to pay your mortgage loan payments.
  • Ask your teenage children to baby-sit the neighborhood kids and use their earnings to help pay mortgage loan payments with.
  • Sell jewelry and unused gold at home, & use the sale proceeds to pay the mortgage payments.
  • Have a garage sale and sell everything you do not really use regularly and use the cash proceeds to cure defaults on your mortgage loan.
  • If you have a swimming pool at your home, then fill it in & save about $200/mo & use the savings to pay the mortgage loan payments with.
  • Talk to your lender and most lenders will work with you to avoid a foreclosure.
  • Do not ignore the problem, because the further behind you become, the harder it will be to reinstate your loan.
  • Contact your lender as soon as possible & tell the lender your problems & most lenders will try to help you.
  • Open and read and respond to all mail from the lender.
  • Read, read, read, your promissory note and deed of trust so that you know what the lender can do if you default.
  • Understand foreclosure prevention options by talking to the HUD approved housing counselor at 1-800-569-4287.
  • Prioritize your spending and after health care, do not spend any extra money on anything except your first priority being paying your house related payments.
  • Sell your second car, jewelry, whole life insurance policy & get cash to help reinstate your loan.
  • Do not pay fees to any foreclosure prevention companies, instead use that money to pay your defaulted mortgage loan. Get free help/info from HUD.
  • Do not lose your house to any foreclosure recovery scam.
  • If you live in an area declared a disaster by the President (such as hurricane, tornado, flood, fire) you may qualify for special government aid. Ask the HUD counselor.
  • If you are in the military, you may qualify for a reduction in your interest rate, resulting in lower payments, as stated in federal laws.
  • Be aware that lenders do not want to foreclose, because foreclosure usually results in lender losing much money, so contact your lender as soon as you have a problem.
  • Do not lose or waste time by being overly optimistic, but be realistic and honest with yourself and your lender at all times.
  • Do now unrealistically assume that your financial problems will magically correct themselves by you just doing nothing. Solve your own problems and do not expect others to solve your problems for you.
  • Talk to a HUD approved housing counselor; it is free at Tel 1-800-569-4287, instead of talking to a lawyer that wants you to pay him a big fee of maybe $6,000.
  • Learn how to budget your finances to prevent foreclosures.
  • Learn how to balance & reconcile your checking account and avoid writing bad checks.
  • Prioritize your debts (rank them in a list by importance) and put your home mortgage loan payments at the top of the list).
  • Stop entertainment expenditures, cable TV expenditures, cell phone expenditures, manicure expenditures, beauty shop expenditures, booze expenditures, beer expenditures, residence phone expenditures, & apply the savings towards your home mortgage loan payments.
  • Sell all your stocks and apply the sales proceeds towards paying your property taxes & fire insurance & mortgage loan payments.
  • Take any responsible action that will save you cash and apply the cash savings towards saving your home.
  • If you cannot or will not pay your property taxes & fire insurance & home mortgage loan payments, then do either sell your home, or ask lender for a short payoff (lender takes loss/discount on loan if home has no equity), or let your loan be assumed (taken over) by a buyer, or deed your home to lender (deed in lieu of foreclosure).
  • Do not sign anything that your do not understand and do read & understand everything you sign.
  • Understand that your missing or your defaulting on or missing payments, property taxes & fire insurance & mortgage loan payments do cause a foreclosure sale to happen.
  • Call & visit your lender at telephone number and address on the mortgage coupons and mortgage loan statements.
  • If you are going to be laid off in future, then start now, now, now looking for a new job. 74. If you miss loan payments and have a foreclosure, you have 2 derogatory remarks on your credit report.
  • If you miss loan payments and have a foreclosure & file bankruptcy, you have 3 derogatory remarks on your credit report, because usually or frequently the bankruptcy does not permanently stop a foreclosure buy only slows it down.
  • Always check with your lawyer before you sign legal documents.
  • You can get a 3rd job (part time) on weekends and that extra income can be applied on property taxes & fire insurance & mortgage loan payments.
  • Stop spending money on gambling & lottery tickets, because you are wasting your money, & apply the savings on your property taxes & fire insurance & home mortgage loan payments.
  • Be realistic & honest & do cut your losses & sell your home, if you cannot or will not pay the property taxes & fire insurance & home mortgage loan payments.
  • Remember it takes 3 to 8 months to sell your home at near fair market value, so allow yourself time to do that & do not wait until the last minute to decide to sell.
  • It is not a sin to just walk away free & clear of debt, abandon your property, stick the lender with a huge financial loss, and go on about your life, especially when you have a nonrecourse loan, like here in California, usually.
  • Remember, Equity 1-Loans does not report its loan or your loan defaults or your foreclosure on your loan you owe to Equity 1-Loans to any credit bureau. So this may help avoid lowering your credit score.
  • Remember, the only "real" thing that will stop a foreclosure is repayment of the debt and defaults and full reinstatement, everything else (especially including bankruptcy) is a costly to you delay, if you cannot or do not fully reinstate the loan.
  • If your monthly house payment (including loan payments & property tax & fire insurance) do not exceed 45% of your gross monthly household income, it should be possible for you to pay for your home. Otherwise, get rid of your home, by either voluntarily allowing a foreclosure to happen or by voluntarily selling your home.
  • Do not give away your home equity for free, sell it & keep the cash proceeds and move on with your life.
  • Preserve your good credit by giving lender a deed in lieu of foreclosure, if you cannot or will not pay all obligations related to keeping your home.
  • Get a loan to get you current, from friends or relatives, if you can pay the payments to them and your house related obligations.
  • Do not give any money to any phony counseling agency, but instead get free counseling from a HUD approved counseling agency at Tel 1-800-569-4287 or TDD 1-800-877-8339.
  • Go and get credit counseling, free, at Consumer Credit Counseling Service of Kern County at Tel 661-324-9628 at 5300 Lennox Ave, Suite #200, Bakersfield, CA 93309-1662, which is a HUD approved counseling agency. ESPANOL ES OK!
  • Shop for cheaper home fire insurance & auto insurance by getting a quote from 4 different insurance agents & apply the savings toward paying the property taxes & fire insurance payments & mortgage loan payments.
  • Treat your home as your most important possession and stop paying everything else, if possible, except obligations related to saving your home.
  • Work with your lender, communicate with your lender, because your lender will work with you & try to help you avoid a foreclosure. Equity 1-Loans does hablo Espanol and English.
  • HABLO ESPANOL & INGLES, entonces llamanos!! Try to communicate with your lenders.
  • If you are refinancing, do avoid, like the plague, all balloon payment loans, all variable interest rate loans & all prepayment penalty loans, because these features can/do frequently cause foreclosure and harm you.
  • If you are refinancing, do avoid all loans that force you to pay for credit insurance, credit life insurance, disability insurance, unemployment insurance, health insurance, because frequently these programs are costly scams and increase your costs a lot.
  • If you are refinancing, do not lie on a loan application, because that is frequently a federal & state crime & can cause you to go to jail or be sued by your lender and cause a foreclosure if you overstate your income or otherwise tell a lie.
  • Do not pay fees/money to credit repair services, because most are scams, and the best way for you to repair your credit report is by you yourself paying your own debts on time, in full. For free advice go to Federal Trade commission at www.ftc.gov/bcp/conline/pubs/creditrepair.shtm, and please read advice there.
  • Do not pay fees/money to any "foreclosure rescue scammers", because they want you to pay the scammer and the scammer will not pass on the payment to your lender. Get free advice at www.ftc.gov/bcp/edu/pubs/consumer/credit/cre42.shtm.
  • A bankruptcy ruins your credit report for 10 years; a foreclosure does not ruin your credit report for 10 years.
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