Help! People keep calling me because I'm behind on payments!

"Help!! People keep calling me because of I am behind on my mortgage payment(s) and a Notice of Default (NOD) has been filed!
What do I do?,
How did they get my number?
Why do they keep knocking on my door?"

These are common questions we receive, especially lately. With record unemployment, increasing layoffs/furloughs, and a tough economy all of which have contributed to a record number of Notice of Default (NOD) filings. Although there doesn't seem to be any consistency on when an NOD is filed, it can be filed when a homeowner is 30, 60, or 90 days delinquent on their home.

If you are a homeowner that has an NOD filed and your intent is to stay in you home, do not ignore the problem of your mortgage lates. Make sure you are proactively communicating with the lien holder(s) on what your intent is.

If you have an NOD filed and you are getting people calling or knocking on your door and they may be telling you that you are going to lose your home. As with everything, the reason they are contacting you is their motivation. They may be coming to you out of sincere contribution. They may be coming to you to solicit business, either by listing your house for a short sale, performing a loan modification for a fee, or from legal personnel, encouraging you to file for bankruptcy.
How did these people get your number or address? There are a variety of websites and companies that search for NOD filings and they charge a fee to provide this information to anyone willing to pay for it.

It seems the overriding factor related to this subject in these tough economic times is every little button that gets pushed adds a level of stress to yourself, your family, friends, and coworkers around you. In tough times it is important to have someone to lean on, to help hold you up and provide encouragement. Whether it is family members, friends, or church members, make sure you have some level of support.

Robert and Christy are also a source to lean on, to get professional advice and direction from. Our slogan of A Family Helping Families Fulfill the American Dream should be updated to include And To Help Stay in Your American Dream Home. We are in the business of helping people. Our desire is to develop long-term relationships and hopefully get a few dozen referrals from you and if the need requires to assist you with any real estate required services.

Although we do successfully list and sell short sales, we only do so at the requirements of our clients wishes. More often than not, we meet with someone who is in a NOD status who wants to stay in their home. We can provide sound, professional advice and direction and can help hold off the barrage of calls and and door knocks. We obviously do not charge for this because we sincerely want what you want. A Win for you is a Win for us. Again, hopefully we will get a referral from you and can assist you with a real estate transaction when it is required.
We can be reached at 951-271-3068. Give us a call so we can help.

God Bless,
Robert and Christy