How Can I Communicate Powerfully to My Banker While Facing Foreclosure?

John and Shawna were were sitting alone in their home and feeling helpless and hopeless. They had just gotten off the phone with the bank.  They felt hurt and violated. How could anybody be so rude? They had never felt so abused and certainly never been so kicked around. They tried for months to get in touch with this same banker and talk to someone who would listen to their case.  But then they kept on getting the run around. Now, after months of not getting a response back from the right people, the bank called them.  But they didn’t  even want to listen to their story.  They simply called to say you have 30 days to either pay up or get out of the house. But guess what was even more devastating than this?

The banker tried to intimidate them and started calling them names. So do you find this story shocking? Or is this a partial testimony of your own personal experience? If you find that you’ve had challenges communicating with your banker or lender and you’ve left the conversation feeling intimidated, hurt or bruised then I want you are subjecting yourself to unecessary emotional and psychological harm. If you like the hurt and pain of being violated by your banker or lender or simply being ignored by the financial institution then you can quit reading this post and move on to something else. But let me give you a few clear and simple tips to establishing a forum for your banker or lender to listen to you as well as for communicating powerfully with and helping them to see your point of view.

Establishing a forum for your banker to listen to you 1. Leave a voicemail message that is shocking or arousing – Don’t be ordinary 2. Let the banker or lender know that you’ve found a way to help solve his problem with your house.  Give your name and mortgage number 3. Say “I know you are probably quite busy and I am too – but I’ve found a solution to my foreclosure that will only take a minute to share”. 4. I’ve already implemented all aspects of my strategy to stop this foreclosure.  Now I only need a brief 5 minute conversation with you. 5. Please call me back immediately so I can share with you my complete solution for analysis and review.  My number is 999 999 9999. Now your next task is to prepare for the conversation with your banker or lender.

Here are the tips you will need to know in order to get started.

1. Gather the facts about your mortgage.  Know exactly how much your monthly mortgage is and know how far you are behind.

2. Identify the exact hardship or challenge you faced that had you fall behind on your mortgage.

3. Now write a hardship letter that clearly explains your hardship showing when it started, when it ended and how it has impacted you

4. Then prepare in your mind or on paper your entire strategy that you believe will get you caught up on your arrears and have you paying on time.

5.  Finally consider and choose clearly what you will be asking the bank or lender for.  What do you want them to do for you or how should they help you.

Now the above strategy will work under some very clear conditions.  You must speak with clearity, confidence and courage. Have you ever found yourself  conversation with the banker or lender and suddenly you felt suppressed or diminished? Well ask yourself the question, “Where did that come from?” What is it that has you feeling “Less than” or “Broken down to nothing” in your communication?

If you feel a loss of power or freedom or self expression when talking to the the representatives of your financial institution then you wouldn’t be able to communicate with power.  You simply would not possess the confidence to say what you should say. So here is what you must do. Look deep into your life and ask the question, “What is it that has me feeling this tremendous loss of power?” Why can I not approach this conversation with the mindset of a champion? Most certainly you will find that there is some lack of integrity or truth that you have fostered or allowed to impact your experience.

For instance, if you have made promises to the bank in the past and broken those promises then you can see how your word will not have much power.  If you have ignored the banks calls or not responded to letters and invitations to talk then you will also experience a loss of power and freedom in any future conversation with the bank.

So what do you do? Clean that up first. And clean it up by telling the truth.  Say, “I’m did not answer in the past when you called because I felt intimidated or scared and had no idea what I was going to say. I’m over that now and I’ve found a solution to the problem and wish to enter into conversation with you. Now sometimes no matter what you say or do you find yourself stuck and failing to get the proper audience or space to talk to your banker or lender about this situation.

The Foreclosure Doctor (Online)In this case I am confident that you have what it takes to engage your lender and negotiate with power.  But I am also very much aware that you may not feel like it.

You may be feeling overwhelmed by your circumstances and wish that somehow someone can help you by calling the bank and speaking on your behalf.

I have partnered with the Loan Negotiator Group which is an organization that will do just that for you.  No matter what the circumstances of your finances are they are able to listen to your story, feel your pain and help you not only identify your primary hardship but structure a clear and concise workable solution.

Then they will call your bank or lender and present that solution in a powerful conversation that will work towards your best interest.

Getting the Loan Negotiator Group to work for you is simple and easy to do.  All you have to do is click on the link in the sidebar of this blog that says Loan Negotiator Group and fill out the form completely.  Someone will contact you within about 24 to 48 hours to confirm your information.

The Loan Negotiator Group will work with you during this time of financial stress.  By working alongside them as well as utilizing the resources of this and other blogs you can finally communicate powerfully with your banker or lender to get the loan modification you want even while you’re in foreclosure.

The Foreclosure Doctor