IM FACING FORCLOSURE AND NEED SOME HELP,IM FALLING BEHIND AND TO MANY BILLS
I HAVE REAL BAD CREDIT DUE TO MANY UNPAID DEBT AND BECAUSE OF THAT NO ONE CAN HELP ME . CAN U FIND SOMEONE WHO CAN?
I don’t have a lot of information to work with but from the sounds of it your credit score won’t matter much at this point when it comes to saving your home. Refinancing your loan will not be an option right now if you’re in already in foreclosure, and that is one of the only options I can think of that would require a good credit score.
If you absolutely must save the home, than I would probably say that modifying your loan or filing bankruptcy would give you the best shot. If you haven’t tried to modify your loan yet than you should call the lender right away and ask them what options they have available. Work directly with them, send them the documentation that they ask for, and you just may end up getting your loan out of foreclosure and back on track.
You should also speak with a bankruptcy attorney right away. Bankruptcy could potentially stop the foreclosure and also address any of the other debt issues you currently have. Nobody wants to file bankruptcy but if it truly is your best option, than everything else will just be a waste of time.
If you still have questions or would like to keep us posted on your progress please post them in the comment section below. I am subscribed to this post and will do my best to respond promptly. Good Luck.
Andy is a licensed real estate broker in Massachusetts and is the founder of Northeast Properties in Norton, Massachusetts. His brokerage is designed to help homeowners in today’s difficult real estate market, specializing in short sales. Andy speaks with Massachusetts homeowners every day, helping them to address their questions or issues with short sale or loan modification. He enjoys helping consumers arrive at the correct solution to their problem, and believes that the only way to correctly do that is by presenting them with all of their options in an un-biased manner.
If you have a mortgage, short sale, real estate, or loan modification question you’d like to ask just use the online form. I’m happy to help you totally for free.