Q: I need legal advise/help on Real estate Foreclosure notice
I need legal advise/help as I received a notice from my Mortgage loan servicing company, directing it their Attorney for foreclosure, as I am behind in Mortgage payment since June 2024, as I have been unemployed since Ist June 2024
Need legal help to defer the loan and talk to their Attorney
Regards
Ajaya
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- California
- (916) 704-3009
- View Profile
- Answered
A:
I understand you're in a difficult situation with your mortgage payments, and I want to help guide you through some immediate steps you can take.
First, contact your loan servicer right away to discuss loss mitigation options - these might include loan modification, forbearance, or repayment plans. Given your unemployment situation, you may qualify for specific hardship programs. Document all communications with your servicer and keep copies of any paperwork you submit. You should also respond to any notices from their attorney within stated deadlines to protect your rights.
Consider reaching out to HUD-approved housing counselors (available at 1-800-569-4287) who provide free guidance for homeowners facing foreclosure. They can help you understand your options and may even be able to negotiate with your servicer on your behalf. You may also want to contact your state's legal aid office, as they often provide free legal assistance to homeowners in your situation. Additionally, filing for unemployment benefits if you haven't already could help provide some income to support your case for loan modification.
Remember, you have rights as a homeowner, and there are often multiple solutions available before foreclosure becomes final.
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