I want foreclosure help

If you are upside down on your mortgage, meaning that you owe more than what the house is worth then there isn't too much out there that can help you. Modification, if the bank is will to do it, may help, but for a very little while. Whatever interest is not covered by the modification will be added to the loan one way or another. Your mortgage balance will probably go up. Bankruptcy will only prolong the inevitable, the foreclosure, but will do nothing to the terms of your loan. Review your loan documents and look for predatory lending issues.

Sandra - you need to speak to your bank! Most banks are being very helpful...if your ducks are lines up What is your income, What is your debts, what other assets..the options should present themselves.
It is an emotional frustrating process as I am sure you are overwhelmed. YES becareful of HELP offered, but there is help.

I feel your pain, all of you. I was fortunate enough to find a company that is legitimate. Now I know that the banks the news and government say we shouldn’t go to any company that charges, that the banks will modify your loans for free. Well, how many of us on here have had our loans modified by the banks?

A lot have lost their homes, and lot more still will unless you do what’s necessary to save your homes from the banks. I went through what most of you have, I was there. Then I was referred.

I know I would have lost it to Wachovia if it wasn’t for him and the rest of the people who work there. Got me caught up on my mortgage 1st & 2nd, lowered my interested rate & payment.

Before anyone else on here loses their homes you need to give them a call. Don’t be afraid of hiring a loan modification company, be afraid of the banks, they are the ones who are taking our homes!

I know they get the job done. News and TV made me afraid to even consider a loan modification company because they are all scams and my lender will do it for free (wrong). There hasn't been not one story about a good company and when I tried to contact my local news channel they told me that my success story wasn't news (What!)

So, I am making it my mission to spread the word on this GREAT company!

Dear Z Burkett,
Thank you for your letter on "loan modification company". I was hoping you would include the name of the company you used>
Thank you again.
Joyce

SO CAN THE COMPANIES THAT HELPED THE PEOPLE IN THE COMMENTS ABOVE NOT BE REVEALED FOR US OTHER SOULS WHO ARE ALL STRUGGLING JUST TO STAY AFLOAT??? WHAT COMPANY IS IT PLEASE?? :)

I used the company that hosts this site. That is why I keep coming back here to help others know the truth. AFS got me results. They are fair. They are affordable. They didn't take any money up front.

AFS handled my case with complete integrity. They are genuinely trying to help homeowners avoid foreclosure. Before hiring them, I did my homework and verified their good rating on the Better Business Bureau.

I referred my neighbor to them, but he hired another foreclosure company instead. He paid $1500 up front and ended up getting scammed out of $2200 total. He finally wised up and went to AFS. They got him a loan modification.

American Foreclosure Specialists was the company that helped save my home from foreclosure.

I bought our home before we were married and now we simply cannot afford it. Can my husband go buy a home under his name and I foreclose on this one without it affecting HIS credit?

I really like this post because it helps me to sort out my problem related to foreclose.The comment clear all my doubts which regards to fore close.