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Posts tagged "mortgage payments"

Facing foreclosure? You have options

Let's face it ? your home is more than just four walls and a roof on a plot of land. It's where you and your wife started your marriage. It's where your little ones said their first words and walked their first steps. It's a place that holds all of your most precious memories. So the idea of losing it can be absolutely terrifying. Receiving foreclosure notices might be keeping you up at night, but just know that there are options and alternatives and they're not as scary as you might think:

  • You can negotiate a modification of your loan or mortgage.
  • You can file for Chapter 13 bankruptcy, effectively saving your home by moving your mortgage payments into the Chapter 13 repayment plan.
  • You can utilize a strategic mortgage default.
  • You can file for Chapter 7 bankruptcy, which can help you walk away.
  • You can sell your house using a short sale option.
  • You can sell the house and get help buying something more reasonable. It might sound difficult, but it's not that bad and thousands have used this option to get the financial burden off their shoulders.

Know your rights when it comes to debt collectors

There's one thing above all else that debt collectors fear: an informed debtor. Some debt collection agencies resort to calling you at work, contacting you late at night or even phoning your family friends and neighbors to harangue you. They often circumvent the rules hoping that you won't know any better or won't contact someone who knows the law.

Foreclosures drop; Florida still tops the list

Foreclosures in Florida have been a big problem since the Great Recession. While the nation as a whole is recovering from the foreclosure boom, Florida still tops the list of states with the most foreclosures with more than double the state in the number two slot.

Look into government programs to help avoid foreclosure

Floridians who are struggling to make their monthly mortgage payments and fear foreclosure can turn to some programs that President Obama initiated. The administrators of most of the below programs for American consumers are the Departments of Housing and Urban Development and the Treasury.

Foreclosure still plaguing Florida, but improvements noticed

When it comes to foreclosure, it is no secret that Florida has had more than its fair share of difficulties. It seems as though those troubles haven't quite gone away yet. Florida is still one of the states at the top of the foreclosure list.

Don't fall victim to foreclosure scams targeting Florida

In one of our posts last week, we touched on how it is vital for people who are facing foreclosure to stay aware as they move through the process of trying to keep their home. Some people are preying on the desperation of people who want to save their home by using almost any method.

Foreclosures down nationally, problems still present in Florida

It is no secret by now that foreclosures are affecting many families in Florida. While Florida is known as one of the top vacation spots in the country and the home of a world renowned amusement park, the state also holds the distinction of being one of the top states for foreclosures. While the number of families facing foreclosure is down, late mortgage payments are still plaguing one out of every 10 homeowners in the Sunshine State.

Judge denies Burt Reynolds' request to stop foreclosure on home

With one out of every 400 homes in Florida currently at some stage in the foreclosure process, it likely won't come as a shock to residents to learn that a home is going up for foreclosure. While it won't comfort Florida homeowners who are facing foreclosure, some might be interested to learn of a movie star who is facing foreclosure on his huge Florida home.

Florida programs to stop foreclosure criticized

Almost all homeowners are aware that there are programs available to help homeowners who are behind on their mortgage payments. These programs have left a bad taste in the mouths of some homeowners who have worked to try to keep their mortgage payments up but still need help.

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