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I have been the model citizen. Paying my bills on time even if I had to borrow to do so. I asked for a loan modification when I saw my income about to go down. It took the bank 5 months to decide I did not need one because I was current.
There are many ways to stop a foreclosure. The most effective way I have found besides getting current on your mortgage is to initiate a short sale. This can be done successfully as close as 1 day before the foreclosure sale date. I do not recommend this as it is very difficult and more times ...