Facing foreclosure? Here is some help

Services for Real Estate Pros with Avoid Foreclosure

Great article in the Modesto Bee for people who may be facing foreclosures. Spread the word for your clients in the area. There may be similar classes popping up around the country as well.

Facing foreclosure? Here is some help

A consumer debt counseling group is offering a number of programs and workshops aimed at people facing foreclosure or try- ing to get out from under a failing loan, or just looking to improve their finances.

ByDesign Financial Solutions, also known as Consumer Credit Counseling Service of Mid- Counties, will offer a series of programs through the end of the year, most of them free.

Beginning Oct. 10, the nonprofit group is hosting a series of two-hour Web seminars, or webinars, on finding alternatives to fore- closure. The webinars, which are conducted through a Web site and over the phone, are Oct. 16, 24, 30; Nov. 7, 14, 20, 28; and Dec. 5, 12 and 18. All webinars are from 5:30 to 7:30 p.m.

Avoiding foreclosure also is the subject of two free workshops Nov. 7 and Dec. 12, also from 5:30 to 7:30 p.m. Topics include how to avoid predatory lending and how to put together a proposal for a lender.

ByDesign will offer a two-part course on personal finance management Oct. 15 and 22 from 5:30 to 7:30 p.m. The course will cover budgeting, cash-flow management and credit. The course is $20 per person and includes a book.

First-time home buyers may benefit from a workshop for such purchases Oct. 20 from 9 a.m. to 3:30 p.m. The free workshop covers loans, real estate terms and managing default problems.

Consumers with checking issues can get help at a full-day workshop Nov. 17, for $60. Completing the course will allow people who cannot get a checking account because of nonfraudulent reasons to establish an account. The course is from 9 a.m. to 3:30 p.m.


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