- Contact your lender – ask for the loss mitigation department. You will need your loan number. Tell them your situation and what steps you are taking.
- Do not ignore any notices.
- Keep all records of your contacts with the lender – who you spoke to, what day and time, what was the result of your conversation. Even if no one will speak with you – record that note.
- If you need to send anything in writing, send it by certified mail return receipt.
A foreclosure defense attorney can intercede on your behalf. I have found that too many people are in such denial that they ignore the proceedings until the auction is scheduled and then that week they call my office for help – and there are few options at that point!
Remain pro-active – many laws have been passed to protect homeowners and you can benefit from them.