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Your hardship letter to your mortgage lender may be one of the hardest letters you ever write but it doesn’t have to be this way. I understand the feeling of helplessness when facing foreclosure and thinking how can you can get help from big lenders that have been receiving billions of our tax dollars.
Up until recently the thought of foreclosure only happened to other people. They were the ones who lost their homes, not you. This was because they gambled away paychecks or never sought out good-paying jobs in order to afford their homes. But now here you are in the same position when you did everything right. You played by the rules and still you dread the thought when your family may have to leave the very home that you worked over half your adult life to get. Now, clear that thought. Imagine yourself with this nightmare behind you, maybe five or ten years down the road. You are calm and happy, and so is your family. Why? Because there was no foreclosure proceedings. You and your family stayed in your current home and never had to move into a small, cramped apartment. And you never were forced to rely on charity form friends and family. Yes, that part of your life was extremely hard but you got through it because you took control of the situation and became the bat instead of the ball. In fact the day you took the reins may be remembered as one the proudest days of your life. You faced a great fear, the prospect of losing your home, but did something about it and turned the tide in your favor. As you look back from five or ten years in the future the decision you made to become accountable for your… Read more…
