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  • It is not a sin to just walk away free & clear of debt, abandon your property, stick the lender with a huge financial loss, and go on about your life, especially when you have a nonrecourse loan, like here in California, usually.
  • Remember, Equity 1-Loans does not report its loan or your loan defaults or your foreclosure on your loan you owe to Equity 1-Loans to any credit bureau. So this may help avoid lowering your credit score.
  • Remember, the only "real" thing that will stop a foreclosure is repayment of the debt and defaults and full reinstatement, everything else (especially including bankruptcy) is a costly to you delay, if you cannot or do not fully reinstate the loan.
  • If your monthly house payment (including loan payments & property tax & fire insurance) do not exceed 45% of your gross monthly household income, it should be possible for you to pay for your home. Otherwise, get rid of your home, by either voluntarily allowing a foreclosure to happen or by voluntarily selling your home.
  • Do not give away your home equity for free, sell it & keep the cash proceeds and move on with your life.
  • Preserve your good credit by giving lender a deed in lieu of foreclosure, if you cannot or will not pay all obligations related to keeping your home.
  • Get a loan to get you current, from friends or relatives, if you can pay the payments to them and your house related obligations.
  • Do not give any money to any phony counseling agency, but instead get free counseling from a HUD approved counseling agency at Tel 1-800-569-4287 or TDD 1-800-877-8339.
  • Go and get credit counseling, free, at Consumer Credit Counseling Service of Kern County at Tel 661-324-9628 at 5300 Lennox Ave, Suite #200, Bakersfield, CA 93309-1662, which is a HUD approved counseling agency. ESPANOL ES OK!
  • Shop for cheaper home fire insurance & auto insurance by getting a quote from 4 different insurance agents & apply the savings toward paying the property taxes & fire insurance payments & mortgage loan payments.
  • Treat your home as your most important possession and stop paying everything else, if possible, except obligations related to saving your home.
  • Work with your lender, communicate with your lender, because your lender will work with you & try to help you avoid a foreclosure. Equity 1-Loans does hablo Espanol and English.
  • HABLO ESPANOL & INGLES, entonces llamanos!! Try to communicate with your lenders.
  • If you are refinancing, do avoid, like the plague, all balloon payment loans, all variable interest rate loans & all prepayment penalty loans, because these features can/do frequently cause foreclosure and harm you.
  • If you are refinancing, do avoid all loans that force you to pay for credit insurance, credit life insurance, disability insurance, unemployment insurance, health insurance, because frequently these programs are costly scams and increase your costs a lot.
  • If you are refinancing, do not lie on a loan application, because that is frequently a federal & state crime & can cause you to go to jail or be sued by your lender and cause a foreclosure if you overstate your income or otherwise tell a lie.
  • Do not pay fees/money to credit repair services, because most are scams, and the best way for you to repair your credit report is by you yourself paying your own debts on time, in full. For free advice go to Federal Trade commission at www.ftc.gov/bcp/conline/pubs/creditrepair.shtm, and please read advice there.
  • Do not pay fees/money to any "foreclosure rescue scammers", because they want you to pay the scammer and the scammer will not pass on the payment to your lender. Get free advice at www.ftc.gov/bcp/edu/pubs/consumer/credit/cre42.shtm.
  • A bankruptcy ruins your credit report for 10 years; a foreclosure does not ruin your credit report for 10 years.
  • Consider giving your home away by allowing a foreclosure to occur, because usually in California, there is no lender chasing, suing, pursuing you for losses that your home loan default caused lender to suffer, because in CA most home loans are free of personal liability and are nonrecourse loans and lenders loss is not your loss.
  • None of the sentences above are meant to be giving legal advice, so go see a lawyer and pay the lawyer his big fee if you have a legal question. Read again the last sentence!!
  • Do not pay any "foreclosure prevention specialist" any money, because that "specialist" is usually a phony counselor charging you an outrageous fee in exchange for doing something you could do for yourself free (making a few phone calls, etc), and the "specialist" will never save your home and just takes your money, usually.
  • Do not believe the phony scam that you can "legally eliminate your mortgage", based on an accounting loop hole or that the lender funded your loan using borrowed money. That is a lie & does not work. To eliminate your debt/mortgage/loan, you must pay it off in full or file for Chapter 7 bankruptcy in which case you will not be liable for the promissory note but you will also lose the house. Bankruptcy does not get rid of a real estate loan or deed of trust.
  • Please do not think that your lender is always the bad guy, because you took the lender's cash and used it for your benefit and now you get mad/angry at the lender for the lender asking you to pay back the cash, with a little interest. Be a responsible adult in your financial affairs. Most lenders lose much more money in a foreclosure that the defaulting borrower loses in a foreclosure.
  • Do not blame the lender if you stopped paying your loan just because you over spend on frivolous things, or had excessive medical bills, or ended up in a messy divorce or just simply do not know how to budget and plan.
  • Lenders do lose money, lots of money, caused by the borrower who defaults on his loan and those losses are passed on to all other borrowers by increasing costs to other properly paying borrowers.
  • Your loan might be owned by a pension fund or a retirement plan of ordinary poor working people, so your loan default is hurting a person who depends on you to pay your mortgage loan. Your default hurts many other people!!
  • With government insured loans, the taxpayer picks up the tab for borrowers who do not pay their debt, live for free, & then, with the help of lawyers, file bankruptcy and tie up the property for a year or so, all at taxpayer expense and cost. Please do not victimize society by you doing that. Be a responsible adult, please!!
  • If your home has no or little equity in it, then do not begrudge an investor a little profit by claiming that an investor "stole" your home from you when you sell the house to an investor just before the foreclosure date and then the investor makes a small profit.
  • Do not get mad at someone who makes a profit from your problems, because there are thousands of businesses that make a profit from other people's problems, including: bankruptcy lawyers, cancer doctors, class action lawyers, divorce lawyers, funeral parlors, pawn shops, hospitals & doctors, auto repair shops, etc. Get free advice concerning above at www.legalwiz.com/nclc-dreams-foreclosed, written by Attorney Bronchick.
  • Can Government Solve The Foreclosure Problem? We say no, and why we say no can be read by you at www.legalwiz.com/can-government-solve-foreclosure-problem, written by Attorney Bronchick.
  • If you bought a home and paid little to no down, and then you do not or cannot or are not willing to pay the property taxes and fire insurance & home mortgage payments, then you practically lose nothing in or thru a foreclosure. So why complain??
  • Be aware, that sometimes it is best to just walk away scot free of debt liability & usually get loan forgiveness & get also income tax liability forgiveness, and let the foreclosure happen, and go on with your life, rather than causing yourself and the lender more anxiety and financial losses by trying to fight a foreclosure!
  • Use your income tax refund to pay mortgage payments with.
  • Remember, it is not a sin and is recommended procedure, to stop the foreclosure by making up any delinquent payments plus any costs related to the foreclosure, called reinstating the loan.
  • Remember, it is ok to sign/deed the property to the lender instead of or in lieu of foreclosure.
  • If you are a senior citizen or are disabled and are facing foreclosure because of unpaid property taxes, you may be eligible to postpone the payment of property taxes under 1 or 2 programs available at your tax collector.
  • To prevent foreclosure on your home, "before you buy", do not purchase a home you cannot pay or afford or feel pressured that you should be living up to the "Joneses"; and avoid a 100% mortgage deal because if you have equity from the beginning, then usually foreclosure never happens; avoid credit card debts; do not use your home as an ATM cash dispensing machine; set up a family budget & plan to be debt free as fast as possible; establish a savings reserve to cover at least 8 months of home debt payment in case of emergency. Do these things now!!
  • Please take advantage of the free home loan counseling opportunities available by dialing 1-888-995-HOPE(4673), encouraged by the government of USA.
  • Pay your mortgage payments on time, to avoid late charges.
  • Help yourself prevent a foreclosure from occurring, using FHA Secure that allows homeowners with a history of on time mortgage payments under their original interest rates, but who missed payments after their rates reset, to refinance into FHA's mortgage, insurance program, and other home owners with high cost mortgages & mortgages that are due to reset, but who are still current on their loans may also be able to refinance through FHA Secure. Call an FHA lender who can help you keep your home by calling 1-800-225-5342. Equity 1-Loans is not an FHA loan lender.
  • These are the top five reasons causing foreclosure: a. temporary job loss, b. illness or injury, c. mis-prioritizing bills (spending on things other than mortgage payments), d. divorce/separation, e. expensive repairs. You can solve these problems by getting a new job, getting well fast, spending your money paying mortgage loan payments, remarrying a spouse who can help with payments, and getting rid of the car or thing causing expensive repairs.
  • You can prevent foreclosure by reducing expenditures, such as canceling cable or gym membership, eat out less often, etc.
  • You can prevent foreclosure by using money in your 401K, retirement savings account, as allowed by laws and rules, to pay your mortgage loan payments.
  • You can prevent home foreclosure by allowing your car to be repossessed & use the savings to help pay your mortgage loan payments. Ride a bike!!
  • Prevent foreclosure by paying off the loan you owe to Equity 1-Loans, with no prepayment penalty at all, which saves you up to $8,000 of cash penalty, compared to many lenders!!
  • You can prevent home foreclosure by stopping paying your credit card payments & use the savings to help pay your mortgage loan payments.
  • You can prevent home foreclosure by stopping paying your hospital/medical bills and using the savings to help pay your home loan payments.
  • Prevent home foreclosure by stopping taking vacations & using the savings to help pay home loan payments.
  • Remember, usually in CA, you do the "walk away waltz", or "jingle mail = give the keys & mortgage back to the bank" with impunity and no future liability, for all purchase money loans, and usually on practically all real estate loans in California.
  • Remember, the loan you owe to Equity 1-Loans is a 100% take able over, no qualifying loan, which helps you prevent foreclosure by making it easier to sell your home.
  • Remember, the lender can start foreclosure if you default in paying the property taxes or the fire insurance or the home loan payments, so pay them to prevent a foreclosure.
  • Remember, that Equity 1-Loans does help you prevent foreclosure by not charging a prepayment penalty, by not charging a yield spread premium, by not lending a loan a borrower cannot afford, by providing some loan documents in Spanish and by offering satisfaction or money back guarantee (see our loan docs for details).
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