SMITH LAW, LLC
P.O. Box 468328
Atlanta, GA 31146
If your lender is one of the handful that got sued last year for improper foreclosure practices, whether or not you are in foreclosure status, you may be able to sue them (to create an audit that ensures that followed legal procedures in what lead up to the charge off). If for anything else, call Mr. Smith and find out your options.
You can also go on line to find the nearest non profit credit counseling agency in you area by visiting:
Also, please visit Clark Howard's website and read the PERSONAL FINANCE ----Credit & Debit Cards ---section to read his entire article about Loan Modification.
I agree with Scott. Gather all of your mortgage records and find a real estate attorney to represent you on this one.
REALTORÂ® Keller Williams Realty Atlanta Partners
good luck working things out