These are just a few of the many questions that previous clients have asked us. If you have a question that is not on the list, please fill out the form to the right and a representative will contact you within 1 business day.

Q: I was served foreclosure papers. Is the sheriff or someone going to lock me out of my house soon?
A: NO! The foreclosure process typically takes at least 6 months before any type of sheriff action occurs.

Q: I have bad credit. Should I even bother?
A: Yes. Most homeowners who have fallen behind on house payments have experienced some credit problems in the past. Whether you have a 400 FICO or an 800 FICO, it does not matter to us. This program does not depend on your credit.

Q: This paper says I have 20 days to respond. What does it mean and how do I respond?
A: That is part of the process the lender and their lawyers have to go through before they can get you into court. It is part of your rights and gives you the opportunity to give them what they want (usually the whole amount!) to avoid further action. Unless you can respond to them by giving them what they want, the process will continue. In a nutshell, it doesn't matter if you respond or not, (unless you have the money they are demanding and send it to them) the process of foreclosure WILL continue.

Q: Will it "look worse" for me if I don't respond?
A: No.

Q: My mortgage company sent back my payment, why?
A: Many lenders will refuse to accept any payment unless it is the entire amount you are behind (including late, collection & legal fees) once you miss just one payment. The difficult part is that sending it back to you often causes you to get further behind. Once foreclosure proceedings have started, your lender will not accept any payment less than the full amount that is in arrears, including foreclosure costs and legal fees.

Q: Someone stopped by the house. What is happening?
A: Lenders & investors often have representatives perform a site inspection to evaluate the condition of the property and verify occupancy. Don't be intimidated.

Q: I am behind on payments. How much time do I have before foreclosure?
A: Foreclosure time varies according to state law. Time is not your friend when you're behind on payments. You need to take action. With our help, you can avoid foreclosure procedures from starting or stop the foreclosure if it's already begun. The longer you wait, the more you will pay in court costs, late charges, and attorney fees.

Q: Do you provide help with my credit card bills or auto loans?
A: Not directly, but will help you get your budget under control. Our main focus is to bring your mortgage current and stop foreclosure.

Q: Can you really resolve my foreclosure?
A: The rare case that we cannot resolve is the situation in which a client does not provide accurate information regarding their financial situation (example - bankruptcy, financial data, taxes, or employment).

Q: Is there time to stop my foreclosure?
A: Until the auction occurs, there is enough time for a homeowner to stop their foreclosure. TIME IS OF THE ESSENCE, and action should be taken as soon as possible. Under normal circumstances, a foreclosure can be stopped through the Home Remedy Program in approximately 4-6 weeks. For homeowners with a sale date set for their property, the process moves much more quickly. We have even stopped foreclosure the same day we were contacted. Your situation can be resolved up until the day before the sale, but it is highly recommended to act as quickly as possible.

Q: How long will this take?
A: 4 to 8 weeks is the average, but the reality is that there is no exact answer. Some of our clients need more time to get back on track, and others come to us already way past their hardship and can be done in a week. Generally, once the lender has received a complete package, it only takes a couple of weeks for approval. We know how trying of a time this can be and will do everything possible to get you back on track. Fear and feelings of intimidation from your lender are common. We're on your side and have handled all types of lenders. From single small town banks to national multi-franchise corporate giants, we know your rights and options and will put them to work for you today!

Q: Can I save my home myself?
A: Yes, if you know your rights, the banking rules, and have the time and energy to handle the situation. Most of the time, homeowners start to work with the people in the "collections department". They only have one mission, and that is to COLLECT! They don't care how. They don't care about your other bills, or even having food on the table! You are just one of many people on their computer in front of them that they need to call that day. By the time you are finished with them, you are angry, frustrated, and at your wit's end! The home-saving professionals at 123 Fix My Loan know how to go up the "chain of command" at the bank to advocate on your behalf with the RIGHT PEOPLE! In many cases, we've dealt with the lender before and already have a working relationship with the person(s) responsible for your account. It helps to have someone on your side who's on a first name basis with the person(s) responsible for coming after you!

Q: Are you attorneys?
A: Our management team consists of experienced professionals in the legal, banking, business, real estate, mortgage and finance industries. You have no doubt received many pieces of mail from attorney offices and others. We do have attorneys available but we are not an attorney office, nor is our staff comprised solely of attorneys.

Q: Can I get help immediately?
A: Yes. Click here for assistance right now

Q: What are the steps in the Foreclosure Process?
Lis pendens: Notice to all associated parties of the beginning of a legal action. This notice must be recorded at the Office of the Clerk of Civil Court.
Final judgment and sale date: A court hearing is held to set a sale date and settlement amount for the courthouse auction of the property.
Publication: Your name, property address, amount owed, and sale date are published in the newspaper for 3 consecutive weeks prior to sale.
Courthouse auction: The property is auctioned at the courthouse to the general public.

Q: My question isn't listed and I don't want someone to "sell" me if I call. What should I do?
A: We know that you're still trying to figure all of this out and aren't necessarily looking to make a decision today. This is a very important choice that you need to make. We never pressure and we don't "sell". Your initial consultation is always FREE. You can simply contact us and a representative will contact you as soon as possible. We hope that you will allow us to help you.