When it comes to foreclosure help you need to learn how to be as self-reliant as possible. You must seek out the help you need right away. Bear in mind that in buying your home you had professionals such as a real estate agent and a lawyer help you with the process. Now you need professionals to help you to hold onto your home.
One of the first steps for foreclosure help should not be the government but one of the many not-for-profit agencies that operate across the country that offer housing counseling for a low fee or in some cases, for no money at all. Every state has these agencies. Take some time to do a search over the Internet for the one closest to you.
When it comes to foreclosure help, look for the agencies that list “Mortgage Delinquency and Default Resolution” as one of their many services. Get in touch with one of these agencies at the first sign of trouble. Whatever you do, do not wait! Time is of the essence. The people who work at these agencies have their own methods of negotiation that can be very beneficial to those facing the threat of foreclosure on their homes.
You then need to get yourselves as organized as possible in terms of paperwork regarding your home. Housing counselors are inundated with those seeking their help so the more organized you are, the better service you can expect to receive.
What type of paperwork do you need to provide to the housing counselor you are assigned to? You will need a variety of items including:
· All written communication you have had with your lender, including letters and/or email correspondence
· Your two (and in some cases, three) most recent statements for your mortgage
· Foreclosure notices you have been sent and/or complaints regarding a court or sheriff’s sale
· Your insurance policy for your home if you pay it directly
· Your last two month’s pay stubs from your workplace
· Your bank account statements for the past two or three months
· Your last two tax returns
· Proof of other additional income such as a second job, freelance work, child support, alimony, disability income, SSI, rental income and so on.
For more information please visit: http://www.floridalawattorney.com