Loan modification is the focus of our website, however; we also provide consumers with information and share expertise in the areas of real estate transactions, mortgage negotiations, loan modifications and debt settlement. The STOP HOTLINE specializes in loan workout solutions and debt settlement. We are consumer and homeowner advocates that will assist you with your financial needs. We STOP creditors from harassing you by negotiating lower payments that you can afford. As the voice of the consumer, we will work to get you the best financial results.

Avoiding Foreclosure, What are your options as a homeowner?

Do Nothing - Many homeowners give up and allow the foreclosure process to run its course. Doing nothing to save your home is the worst mistake you can make. As a homeowner, you have many options. You can prevent foreclosure by contacting a consumer advocate consultant. Saving your home from foreclosure should be your top priority. Homeownership is the key to financial wealth, personal health, and a stable family. Why do nothing when we can assist you with several options.

File Bankruptcy - While this option may have been popular in the past new bankruptcy laws and restrictions make this once easy process very hard. Filing for bankruptcy may not relieve you of your obligation to repay your mortgage. Avoid bankruptcy at all cost and consult a consumer advocate that can assist you with all your financial needs, including a loan modification and/or debt settlement program.

Short Sale - A short sale typically is executed to prevent a home foreclosure. Often a bank will choose to allow a short sale if they believe that it will result in a smaller financial loss than foreclosing. A short sale does take time to sell, even at a bargain, in such a defunct housing market. A short sale is next to impossible without the expertise of one of our consumer advocates who will work directly with your real estate agent. We submit the proper paperwork so that your short sale is approved.

Loan Modification - Loan modification has quickly become the best option for homeowners facing foreclosure. Although not the only option, homeowners trying to avoid foreclosure, due to late mortgage payments can remain in their home with an affordable payment. Below are some tools and resources to help you understand your options.

The most common loan modifications are lowering the interest rate, 'fixing' adjustable interest rates, forgiveness of payment defaults & fees, and in some small instances, reducing the principal balance or any combination of these. A loan modification can help home owners who are unable to refinance or afford their current mortgage payments. Getting an approved loan modification for troubled home loans can assist with homeowner retention and STOP lenders from foreclosing, which will help stabilize our economy.

A loan modification with a loan modification specialist may offer a more favorable terms than your mortgage lender will offer you directly. With so many home loans adjusting to higher payments, a loan workout with the TL Consumer Advocacy Group is proven to get results. To date we have processed over 250 loan modifications with a 97% success rate. We have a proven method and give a money back guarantee! We will modify your mortgage loan terms fast and effectively. If you are behind on your mortgage payments, this option may STOP higher payments and help keep you in your home.

A loan workout is two sided; your lender does not want your home, nor do they wish to foreclose. Keep in mind however, they may not want to accept your partial payment, and will threaten foreclosure if you are late or in default. We offer free help and assistance to homeowners that want to prevent foreclosure. Please use our short form above to receive a free consultation. Yes, our consultation is FREE.