" I Dare You"

As I sit here today preparing to write my weekly blog, I am struggling on what to write about given what I want to focus on or rather what is my motto. Then it hits me! Why not write about the very thing that is impacting most households today. With that being said, this week’s subject is about helping those individuals facing the possibility of foreclosure and what they can do right now and how that effort will cost them absolutely nothing (except time) but at the same time is priceless.

Every day we hear on the news about how some family has lost their home or are on the brink of losing their home. If you are not about to lose your home then you are suffering because others around you are losing theirs and bringing the neighborhoods value down.

I would like to tell all that read my blog to do the following. If you are fearing foreclosure then fear not. If you are not fearing foreclosure but are suffering from what is going on in the economy and need some relief then consider the following:

1. Pick up the phone and call your mortgage servicer!
2. If you are fearing foreclosure and want to stay in your home, tell your servicer what is going on and do your level best to seek a solution!
3. Document your conversation, who you spoke with, their position, the time you spoke with them and the date you spoke with them!
4. Ask who is their immediate boss and keep asking until you get to the decision maker!
5. Once you get o the decision maker, ask for a solution that is reasonable and one that you can comply with and be assertive…I think you will find out that the mortgage servicer wants to work with you if you give him something to work with but it starts with the first step of calling.

If you are merely a homeowner in need of relief, feel free to do the same, you have nothing to lose…besides, companies that have been in business for over 100 years and are going out of business so have no shame in asking for help! Just because you are suffering from harsh times does not mean that your pride and dignity also has to suffer. Don’t allow conventional thinking to destroy your financial future when others have employed unconventional concepts to make it through the tough times.

You have the right to maintain your dignity!

You have the right to take care of your family!

You have the right to stand up for yourself!

Finally, make the choice today to no longer be a victim. Make the choice that just because others have lost their home due to being uninformed that it does not and will not happen to you. I dare you to take charge and make the bold step of telling your mortgage servicer/lender that you want them to give you a forbearance, a rate reduction or a new 30 or 40 year term. I am certain that they will strongly consider granting you one of if not all of your request and in the end you all win!

So when you win, remember to give our FATHER the GLORY!