Have you been digging a financial hole for yourself? How do you stop digging that hole? It is so much 
easier than you could imagine to start filling that hole back in & recover.
1st Step: Make a budget, no even better, be honest & make a spread sheet of your actual monthly spending habits. You don't need to share with anybody but you & your spouse. Get real with your expenses.
Do you live in Tracy, Ripon or Manteca, CA?
Email me for a sample spreadsheet (excel format) printed above....
fyi....this suggestion comes from actual experience to getting out
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If you are thinking of buying or selling a house in Tracy, Ripon, Manteca, Mountain House, Stockton, Modesto, Lathrop or Salida, call me at 209-321-6122 or email christina@christinaoneal.com
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Disclaimer: The information provided on this website should not be constituted as legal advice. The content is intended to provide general information about the short sale and foreclosure processes, and should not be acted upon without the counsel of a qualified REALTOR®, attorney, and tax expert.
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1. You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender [or servicer]. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us commission as agreed to in listing contract for our services.
2. Christina ONeal of Crown Key Realty is not associated with the government, and our service is not approved by the government or your lender; and
3. Even if you accept this offer and use our service, your lender may not agree to change your loan.
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Christina - this is great advice, there's no way to improve on your financial situation without really knowing it...and owning it. (meaning accepting responsibilty for your financial situation).