Q: My mortgage company pulled out our payment two weeks early. Which has wiped out my bank account. What do I do?
A: Talk to your bank and do damage control. Talk to your lender and find out why they didn't what they did. I would stop autopay so this can't happen anymore if that is an option. Talk to anyone that you needed to pay and can't and explain the situation. Most creditors are nice if you ask nicely and explain the problem. Ask them to waive any late fees or finance charges. It is time consuming but they usually will wave these. If you are able, apply for a low interest home mortgage equity line of credit and use your line of credit to cover unexpected cash flow issues like this in the future.
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