How awful!!!!
My understanding is that the lender is required only to send one letter by certified mail - 21 days prior to foreclosure. Unfortunately just talking to your lender about re fi does not stop the clock.
You may qualify for a re fi - check out these resources.
Foreclosure Relief Pro Bono Attorney Hotline
Legal Advocacy and Resource Center
800-342-5297
Homeownership Preservation Foundation Hotline
Available in English and Spanish
888-995-HOPE (4673)
http://www.995hope.org
Massachusetts Housing Finance Agency
Home Saver Refinancing Program
617-854-1000 or 617-854-1025 (TDD)
http://www.masshousing.com
U.S. Department of Housing and Urban Development (HUD)
Resources include HUD approved counseling organizations
800-569-4287 or TDD 800-877-8339
http://www.hud.gov/counseling
Good luck - let us know the outcome!
- Mon Dec 31 2007, 10:10