| With every day that the sale date for your home | | | | mortgage company can do for you. |
| moves closer, it gets harder and harder to stop | | | | If your bank either cannot or will not work with |
| the sheriff sale on your home. The sooner that | | | | you, declaring bankruptcy can help you to stop |
| you are able to develop and implement a plan to | | | | the sheriff sale and make your mortgage |
| save your home, the better off you will be and | | | | payments more affordable. There are certain |
| the less money you will owe the bank. So what | | | | requirements that you must meet to file |
| options are available to you? How do you stop | | | | bankruptcy. It is a good idea to discuss your |
| that sale from taking place? | | | | options with a qualified bankruptcy attorney in |
| The first place to start is by trying to work with | | | | your area. Many will give free consultations so you |
| your mortgage company. You may need to call | | | | do not lose anything by going to talk to them. |
| them several times and leave several messages | | | | If neither of the above options works for you, |
| before you are able to talk to an actual human | | | | talking to an attorney that specializes in |
| being. If you have to leave a message, be as | | | | foreclosure or trying to get help from a reputable |
| calm and courteous as you can. And once you | | | | consumer credit counseling service are also good |
| actually get to talk to someone, be as calm and | | | | options. Many states and local governments have |
| courteous as you can with them as well. Explain | | | | free credit counseling resources to help people in |
| your situation clearly and honestly so that they | | | | foreclosure. That is certainly a good place to start |
| can give you an accurate answer of what your | | | | to get help. |