Your phone is beginning to ring - again. Feelings of despair run through your body, as look at your caller ID, and realize that the mortgage company is calling again....to make payment arrangements. You're already four months behind, and with juggling all the other bills, you're not sure when or even how, you're going to be able to recover from this financial disaster.

Home ownership is a large part of the American dream. Newspapers repeat the same message, nearly everyday; foreclosure rates are at an all time high. It doesn't take long to realize that many of our country's citizens are in great financial distress, and facing the possibility of foreclosure. If you've experienced job loss, divorce, a lay off, death of a bread winner, or had an adjustable rate mortgage in which the payment increased drastically - you may be one of the millions of homeowners in this situation.

Where can a homeowner receive assistance so that they can keep their home, and stop foreclosure? How long does a debtor have to rectify the situation, once they have received their notice of default?

Companies offering loss-mitigation services are available, to work on behalf of the homeowner, to negotiate one of several solutions, such as:

~ a renegotiated payment amount and term.

~ a lower interest rate.

~ a deferred payment, depending on your personal circumstances.

~ additional solutions, customized to fit your particular situation.

Many people have received financial relief from working with a foreclosure solutions company. Regardless of the reason why you've found yourself behind on your house payments, there are times when you have experienced a permanent financial loss, and you are no longer able to afford your house. In this case, you need to sell your property quickly, before the mortgage company moves forward on your foreclosure. If this is the state you find yourself in, it could be time to consider selling your property, and forget about using loss-mitigation services.

The most important thing to realize when you find yourself facing foreclosure, is there is help available. Temporary financial set-back can literally happen to anyone, regardless of their standing in the community, so you should never feel ashamed of your current scenario. Research, and consider using a reputable foreclosure prevention company, or find out more about dealing with a property investor, so that you can sell your house quickly, and without paying any real estate commission. For every situation, there is a solution that can assist you, and allow you to quickly move on with your life.

More info on your stop foreclosure information search:

Get Free Foreclosure Advice and Free Refinance Quotes
Get your free on-line foreclosure refinance quote and free advice from foreclosure mitigation specialist in minutes. Compare real offers from top national subprime and hard money lenders... more...

Foreclosure Victims Helping Foreclosure Victims
A number of the homeowners that we talk to everyday are motivated by two main goals. The first, obviously, is to save their home from foreclosure, avoid potential scams, and get their financial lives back to normal. Teaching homeowners how to do each of these is the main purpose of our website, ... more...

Master The Mechanics Of Foreclosure - The Key To Being Effective In Pre-Foreclosure Investing
To confidently compete in the pre-foreclosure arena, every investor must master the mechanics of foreclosure. The events of foreclosure, the timeframes, the disposition of the proceeds of sale, and the effects of the sale ? these are all important landmarks in navigating through the foreclosure ... more...

Summary Of Vermont State Foreclosure Law
There are four different type of foreclosure are followed in Vermont. Strict foreclosure Power of sale foreclosure Judicial foreclosure Non-Judicial foreclosure What is the processing period for foreclosure in Vermont? Processing period is normally 210 days (Approximately 7 months) in Vermont. Is ... more...

Home Forclosure Help
9 tips for home foreclosure help Here outlined for you are nine things you can do if you want or need home foreclosure help. Home Foreclosure Help Tip #1. Make sure you have in place a Home Equity Line of Credit. For this home foreclosure help tip remember that if something comes up forcing you to ... more...