Let me tell you about John and Lana.  They were two people just like you.  They had the American dream.   Then suddenly there was a knock on the door and someone handed them a foreclosure letter.  Now it seems like their world was falling apart.  They definitely needed help with foreclosures.  What should they do?

• Contact the lender
• Call the lender
• Write a hardship letter
• Try to get a refinance
• Consider selling the home

Well they can do any one of those first.  But who really knows what the results will be. 

If you are like John and Lana, stuck in foreclosure and you’re wondering what to do, you may have already tried these methods listed above before. Most people say they have but they end up getting no response.  So why is that? Simple!  The solution you need does not just entail knowing what to do, but knowing how to do what you need to do.

That’s why I suggest you contact the Loan Negotiator Group and let them help you.  I promise you will lose your house if you simply choose to do nothing.  That’s never the right solution.  And having the right solution in mind without the right strategy, understanding and knowledge to implement it may also result in disaster.

You’re probably wondering what steps to take beyond what everyone else is doing.  That’s exactly where the Loan Negotiator Group comes in.  They offer help with foreclosures and would be prepared to work with you to help you get out of foreclosure. They are equipped with the knowledge and expertise to help you handle the situation from the time you receive the foreclosure letter all the way up until you are able to successfully get a loan modification, sell the house or find another solution.

Indeed dealing with this type of a financial problem is difficult and frustrating and many people find themselves wondering what to do once they receive a foreclosure letter.  Where should you start?

Let me share a bit more about John and Lana’s experience.  Simply put, they had it all.  You know what I mean.  They had two kids, a dog, two jobs, and a nice home.  Then times got tight. Gas prices went up, Lana’s hours at work were cut back to part-time, and some unexpected financial problems hit around the way. Before long they missed a few payments and received a foreclosure letter hand delivered at the front door. Like you, they found themselves wondering what their options were.  Thankfully, they found help and found out that there were several great options available to them.

There are many options available to you, even if you have received a foreclosure letter.  Of course there are a few things you need to look for in these options when trying to find a solution after getting a foreclosure letter. And above all you need to know that knowing how to navigate through the waters of the foreclosure procedure is not as simple as it may seem. 

Let me highlight some of the steps you must take to provide you with some helpful knowledge. But know full well that I encourage you to work alongside the Loan Negotiator Group to get your situation resolved.  It will cost you a whole lot less in the long run and save you a world of heart-ache and head-ache.

First ensure the solution you are seeking is a legal one.  Beware of people and companies trying to scam you.  Look out for the option that will work best for your specific situation.  Don’t simply believe everyone and anyone who is out there promising to offer help with foreclosures. Contact Your Lender.

If you get a foreclosure letter hand delivered at the door or in the mail from your lender, the first thing that you should do is to contact your lender.   Of course the Loan Negotiator Group will do this for you on your behalf. After communicating with you and finding out exactly where you are financially and where you want to go, they will create and have a powerful conversation explaining fully your situation.

Sometimes the conversation with the lender is easy.  At times when you speak with a lender they will have some good options for you to consider in lieu of foreclosure so you can avoid losing your home.  Whatever you do don’t just ignore the foreclosure letter from the lender - make sure you contact them right away.

Call Your Lawyer. Another important thing to do when you receive a foreclosure letter from your lender is to call your lawyer.  Your lawyer can help you to understand more about your legal obligations and options.  Once again the Loan Negotiator Group has an entire legal department that can provide you with all the legal counsel that you need.

Also, they may be able to help you declare bankruptcy if this is something that you desire to do, although I do recommend that this be a last resort.Find out your legal options by talking to a lawyer or communicating with the Loan Negotiator Group as soon as possible.

Write a Hardship Letter. Writing a hardship letter is an excellent option when you receive a foreclosure letter in the mail. While many lenders do have some good programs to help you avoid losing your home, usually you’ll find that they do require that you write a hardship letter outlining the financial difficulties you are going through that have caused you to fall behind on your payments. And yes even here in this step the Loan Negotiator Group is prepared to structure and write an effective hardship letter for you.

Try to Get a Refinance. If you can, try to get a refinance if you suddenly receive a foreclosure letter. Now this is where the Loan Negotiator Group will really shine for you.  Having a team like this on your side to speak for you is really powerful.  Many times if they are unable to get a complete refinance they are able to get a complete Loan Modification, a forebearance or a deed-in-lieu.

Consider Selling Your Home. More than likely selling your home is the last thing that you want to do, but in some cases, it can be your last resort. If you can sell it for full price or more than you owe, this is great and a wonderful way to deal with this problem when you receive a foreclosure letter from your lender. However, in a time when the housing market is down, this can be difficult. In this case, you may need to consider a short sale if your lender will agree to it.

These are just a few of the options that are on the table when you receive a foreclosure letter in the mail from your lender if you are working alone and by yourself. However if you were able to have a powerful team of highly trained and experienced business professionals beside you who are highly trained in the area of loan negotiation then suddenly a whole new world of possibilities and options will open up for you.

That is exactly why I suggest for you the Loan Negotiator Group! All you will need to do in order to get started is fill out a short questionnaire with information about yourself, your house and your situation and one of the trained professionals from the Loan Negotiator team will get back in touch with you promptly. When you do you will get a highly experienced and professional case worker who will consult with you and answer all your questions.  Then they will work with you to get you the kind of loan negotiation you are most likely eligible for.  Isn’t that what you really want anyways? A chance to save your home and safegaurd your equity?

The team of mortgage professionals at the Loan Negotiator Group has worked with hundreds of clients and has established relationships with many of the primary lenders and banks in America. They have the experience, knowledge and expertise to offer numerous solutions that can be negotiated on your behalf.  But you need to have a conversation with them first and let them know exactly what you’re looking for. These solutions include anything from a complete loan modification where your payments get lowered or a deed-in-lieu where you walk away from the house and the debt altogether without ruining your credit. Dealing with foreclosure is difficult, but there are options that can help you to avoid losing your home.   The Loan Negotiator Group is prepared to help with foreclosures no matter what your situation may be.  Look into these available options to find a way that you can avoid foreclosure and stay in the home you have worked so hard for.

The Foreclosure Doctor (Online)