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Today's Distressed Homeowner is Tomorrow's BUYER!
Unfortunately, by the time most distressed borrowers seek help to avoid Foreclosure, they have often been struggling with income loss, divorce, legal or health issues for so long that theyre are not only falling behind financially but they are as one fellow put it to me: "taking drugs to just to sleep at night from the stress". This does not paint a picture of a person ready and able to put up a decent defense with their bank or have the energy to direct their own loan modification or self help bankruptcy. Far from it. Being financially strapped as well, paid legal help is usually out of the question.
Asking for Help: I often suggest to folks that they have a serious family sit down with other members of their extended family or community who might offer some relevant advice. They may need help clarifying their priorities. Next up are the free resources listed below. Feel free to share them.
Consumer Advocates: Below is a current list of resources that I keep handy. Certainly encourage anyone struggling with their lender about their home loan to contact their State Attorney General as they hold the responsibility to protect consumer rights. The Making Home Affordable free counseling is heavily weighted toward conventional banking ... more

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