I speak to at least one homeowner in pre-foreclosure at least once a week and I am compelled to write on this topic. I see people who just give up. It is really sad.
I also hear people pass judgement on those in this situation, when they don't even know the circumstances!
If you are currently facing foreclosure, I am here to tell you to not be ashamed or embarrassed or intimidated. Don't let this event dictate who you are as a person. You may have been victimized by predatory lending, you may be in a divorce situation or your financial situation may have changed. In life, bad things happen to good people. Hold you head high and land on both feet no matter what!
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Don't listen to the shoulda, woulda, coulda. The past is the past. Deal with the present as best you can and stay positive. It all will work out the way it was meant to be worked out.
The first thing you need to do is open your bills!
Communicate with the lender. Do not be intimidated.
Consult an attorney immediately.
Don't wait until 11th hour.
My best advice to you is to try not to let this affect your mental health to the point of becoming mentally paralyzed. Seek professional counseling if necessary, but I repeat, do not let the stress of foreclosure paralyze you to the point of depression. It's not worth the worry.
Do everything you can to prevent the foreclosure, but if it is inevetible, move on and start anew. A fresh start isn't so bad. Life is not always easy. Nobody said it was. Be thankful for the important things..have... your family, your health, your faith.. whatever it is be thankful.
The worst thing that happens is the house gets foreclosed on and you move on. Yes, move on, and start anew.No this isn't easy, but years from now it won't even matter. You will look back and say " How did I ever get through that!.
If you need to talk to somebody and you aren't working with another agent, please call me. I will listen and offer possible solutions. No strings attached.
Sincerely,
Lori Lincoln
Keller Williams Realty
http://LoriLincolnTeam.com 508-878-0917
For A1 service and confidential consultation in Berkley MA, Taunton MA, Assonet MA and all of Bristol County..