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I Want to Save My Home

House in Chains

You bought a home to make your life better, not worse.

Remember when you first thought about buying your home? How exciting it was, the thought of a permanent place to call your own? A safe place for your family to live, free from the hassles of rent and landlords?

The closing went by in a blur, a pile of papers to sign. Maybe they explained them to you, maybe not. You signed whatever they put in front of you, anxious to get it over with and move into the home you’d worked so hard to get.


Everyone was in such a good mood at the closing. The brokers, the title closers, the lawyers, even the bank were smiling and happy, congratulating you on your bright future.


That first night in the house was like a slice of heaven. Boxes everywhere, but what did it matter? You finally owned a piece of the American Dream.


The American Dream turned into the American Nightmare.

Somehow, the house was more expensive that you thought. Little things added up fast – fix the roof, a broken pipe, property taxes, insurance . . . the list seemed to go on forever.


But the house was yours. It was tight, but things weren’t so bad. At least you were building equity.

Then, one day, something happened. A job loss, illness, an unexpected expense that put you behind just a few dollars. And even if things were going well before, the coronavirus changed everything.

You tried to do the right thing, but the mortgage company didn’t want to hear about it.

That first month, you paid what you could. It wasn’t enough to make the full payment, but you wanted the mortgage company to know you were trying to live up to your end of the bargain.

What did they do?


They hit you with a late fee and sucked your money into something called a “suspense account.” And then they demanded two full payments.

Meanwhile, your credit cards started getting backed up. After all, if the choice was between the mortgage and Visa – it was pretty easy to decide who would get whatever money you had. You called the credit card companies to let them know about the problem, and to ask for them to work with you. What did they do?


They raised your interest rate, lowered your credit limit, tacked on late fees and finance charges, and threw you into collections!


Things went from bad to worse. Fast.

The increased interest rate made the payments unaffordable. After all, you were already just scraping by – how did they expect you to pay these bills and still feed your family?


Then the phone calls started coming. It felt like they were ganging up on you, calling one after the other. At home, at work. One of the creditors even started calling your family members trying to find you.


So you did what anyone would do – you stopped answering the phone. Every time it rang, you jumped a little bit and prayed for a miracle, maybe a huge raise at work or even a new job that would rescue you from the bills.


Meanwhile, the mortgage company was starting to send letters threatening to take away your home. They wanted payment in full for all the backed up payments, but there was no way that was going to happen. And then it happened: you got a big thick package saying that your case was sent to a lawyer for foreclosure.


It seemed like a bad dream. Everything you worked so hard for was going up in smoke. You needed some help, and fast.


Maybe a refinance would do the trick, help you bail out of this bad loan and get into something a little better. But with your credit in such bad shape there was no way you could qualify for a reasonable interest rate.


The bank was no help, either. They kept telling you they could modify the mortgage for you, and you filled out a lot of papers, but your phone calls weren’t getting returned and they kept "losing" your papers. They were dragging their feet while the clock was ticking.


Then there were the “foreclosure rescue” outfits, shady characters who promised the moon and stars. Something just didn’t seem right about them—they were going to make a lot of of the hard-earned equity in your home.


You were quickly running out of options, and it felt like there was no way to get out of it.

The secret is that there is a real way — a legal, honorable way — to save your home and get out from under this crushing weight of overdue bills. For good.

The solution for lots of people in this situation is bankruptcy. Stop the foreclosure, catch up the payments, keep the credit cards in check, and take a step back while you work on reorganizing your finances.

But everyone keeps telling you bankruptcy is the worst thing you could do.

NOT TRUE! In fact, bankruptcy gives you the chance to end your bill problems and rebuild your life once and for all. Bankruptcy immediately stops foreclosures, lawsuits, judgments, garnishments, and harassing collection letters at home and at work. Period.

Many people don’t realize that Chapter 11 or Chapter 13 may be a way to stop the foreclosure, catch up on your mortgage, and get a fresh financial start. Due to an incredible amount of false information put out by banks and collection agencies, this may sound frightening. In fact, a lot of people walk around thinking that there’s no help for them, and no way out.

You owe it to yourself—and to your family and loved ones — to get the facts.


The bottom line is this: Americans are in more debt now than ever before. And credit card and mortgage companies do everything possible to keep you in debt. Using scare tactics and outrageous fees, it's easy for an honest, hard-working person to fall into a downward spiral. You need help, and that's why I'm here.


Sit back and read through this site. Learn what your rights are. Get the facts. Then, when you're ready to save your home, end your bill problems, and jump start your good credit, call me at 301.924.4400. Set up a confidential, no-obligation case review.

We can help.

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