Few people have been more universally hated throughout history than tax collectors. They take your hard-earned money, but it always seems like too much for what the government they represent provides in return. It's a story as old as civilization. Nobody likes paying taxes.
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Americans love to envy the lavish lifestyles of celebrities when they are on top, and to witness their fall from grace. Despite having tremendous wealth and the love and admiration of millions of people, movie stars, musicians, professional athletes, and other famous or infamous people, have found themselves in the same situation as many regular Americans. That is, unable to make their mortgage payments and threatened with foreclosure by the bank.
Foreclosure is a major crisis for the people who experience it. It's something you never thought would happen, otherwise you would not have taken out a mortgage loan. You may feel that you need the help of an attorney, but deciding what type, and who among them you should hire is no easy task.
Rejection hurts. If you're like many people whose application for a mortgage loan modification has been denied, you don't know what to do. Should you rip the copper pipes out of your house, leave town and start a new life in Mexico, singing songs for loose change in sleepy tequila joints? Before you make that decision, remember that you can reapply for a loan modification.
Believe it, or not, your mortgage lender is interested in the hardships you've endured that have led you to seek better terms on your mortgage loan. In fact, if you are facing foreclosure and looking for a loan modification, a letter explaining the hardships you've experienced is required.
Times are tough. The effects of the recession and housing crisis have left you in a less-than-ideal financial situation, and now you're having trouble making your mortgage payments. You may be thinking about trying to get a loan modification to lower your interest rate, or you may be worried that a foreclosure is in your future. You know that if a loan modification is successful, your monthly payments could be reduced to a more manageable level. You also know that your chances of getting a loan modification approved without an attorney are slim, but you don't know if you can afford an attorney.
Alternatively, you may think the result is a forgone conclusion, and that there is no point in paying an attorney to tell you what you already know, that you're going to lose your home.
