(1) Keep written verification of the payments you have made to your mortgage company. (2) Keep copies of all correspondence exchanged with your mortgage company. (3) Locate your closing packet with your mortgage and promissory note documents. (4) Take detailed notes from any phone conversations with mortgage company representatives. (5) Open your mail. It can be hard to tell legitimate legal notices from solicitations.
(1) Don't rely on verbal promises from your mortgage company's workers. Get a loan modification or other agreement in writing! (2) Don't pay large retainers to a non-attorney so-called "expert" or to an out-of-state company. These people may be soliciting your business because they saw your home's foreclosure listing and may not be accountable to any regulatory agency if they don't deliver on their promises. (3) Don't simply move out of your house without a plan. If a water pipe bursts or the place is vandalized, the mortgage company may sue you for the damage. If the grass is not cut, your city can fine you for a nuisance violation.
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