Foreclosure Prevention Counseling in Worcester, Massachusetts

HUD approved non-profit credit counseling agency in Worcester, Massachusetts call (800) 254-4100 prevent foreclosure, housing counseling, foreclosure assistance with lower mortgage payments to avoid foreclosure, free evaluation and loan modification.

What is Housing Counseling in Worcester, Massachusetts

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Housing counseling is a broad term used for services offered by non-profit agencies, designed to help homeowners with a variety of issues they may be facing. In order to provide these services, agencies must first get approval from the U.S. Department of Housing and Urban Development (HUD). Housing counselors must be certified by Neighborworks America for each of the counseling services they provide. Housing counseling services range from first-time homebuyer education courses to foreclosure intervention services. So, whether you’re shopping around for your first home, or if you’re a homeowner who’s having difficulty paying their mortgage, or a landlord or tenant who wants to understand their rights and responsibilities, housing counseling professionals are trained and ready to help you. Foreclosure Intervention & Default Counseling For most of us, owning a home is still considered to be the “American Dream”. We all want our own little slice of America to call our own…a place that we can raise our children and build memories. But being a homeowner comes with a ton of responsibilities. Most important, unless you bought your house outright, you have to pay your mortgage every single month. In the perfect world, we’d all have 6 to 12 months of emergency savings to fall back on in case something in our lives affected our ability to keep up with our payments. After all… life does change. People change. Careers change. Incomes change. Some of these life changes are a result of our own doing, while others lay beyond our control. The question is: how many of us are prepared for the unexpected? What would you do if your company downsized tomorrow or simply closed its doors? How would you pay your mortgage? Unfortunately, this scenario is not out of the ordinary. In fact, it happens quite often, and most of us are simply unprepared. Thankfully, there are options available for homeowners who experience temporary setbacks that affect their ability to remain current on their mortgage. HUD-approved housing counseling agencies specialize in finding solutions to these types of mortgage issues by working with you and your loan servicer to establish workout plans that are beneficial to both parties. Schedule a Housing Counseling Appointment call (800) 254-4100 It’s important to understand that lenders do not want you to go into foreclosure. It typically costs lenders more money to foreclose on a property than it does to help homeowners get back on track and stay in their homes. Unfortunately, most homeowners simply don’t understand that these options are available. NCHEC-certified foreclosure counselors will work with you and your lender to identify the best solution for your particular circumstances. For homeowners who have experienced temporary changes in their lives that caused their delinquency, but who are able to make their payments moving forward, lenders will typically offer mortgage modifications to bring the loans current and often make mortgage payments more affordable by reducing the interest rates. Since these services are free, there’s no risk in speaking to one of our housing counseling professionals if you are having difficulty, so please do not delay. There are many options for homeowners who are struggling to pay their mortgage and our housing counselors are fully trained and certified in order to give you the most professional and expert advice available. mFB-hy68o8U” width=”560″ height=”315″ frameborder=”0″ allowfullscreen=”allowfullscreen”>

 

 

Worcester, Worcester (city/town/village), Foreclosure Prevention Counseling in Worcester, prevent foreclosure, avoid foreclosure, housing counseling, loan modification, HUD housing programs, credit counseling, foreclosure assistance

 
© 1994 consumercounseling.org

Foreclosure Prevention Counseling in North Carolina

HUD approved non-profit credit counseling agency in North Carolina call (800) 254-4100 prevent foreclosure, housing counseling, foreclosure assistance with lower mortgage payments to avoid foreclosure, free evaluation and loan modification.

What is Housing Counseling in North Carolina

xInd8fnhnvg” width=”320″ height=”180″ frameborder=”0″ allowfullscreen=”allowfullscreen”>
Housing counseling is a broad term used for services offered by non-profit agencies, designed to help homeowners with a variety of issues they may be facing. In order to provide these services, agencies must first get approval from the U.S. Department of Housing and Urban Development (HUD). Housing counselors must be certified by Neighborworks America for each of the counseling services they provide. Housing counseling services range from first-time homebuyer education courses to foreclosure intervention services. So, whether you’re shopping around for your first home, or if you’re a homeowner who’s having difficulty paying their mortgage, or a landlord or tenant who wants to understand their rights and responsibilities, housing counseling professionals are trained and ready to help you. Foreclosure Intervention & Default Counseling For most of us, owning a home is still considered to be the “American Dream”. We all want our own little slice of America to call our own…a place that we can raise our children and build memories. But being a homeowner comes with a ton of responsibilities. Most important, unless you bought your house outright, you have to pay your mortgage every single month. In the perfect world, we’d all have 6 to 12 months of emergency savings to fall back on in case something in our lives affected our ability to keep up with our payments. After all… life does change. People change. Careers change. Incomes change. Some of these life changes are a result of our own doing, while others lay beyond our control. The question is: how many of us are prepared for the unexpected? What would you do if your company downsized tomorrow or simply closed its doors? How would you pay your mortgage? Unfortunately, this scenario is not out of the ordinary. In fact, it happens quite often, and most of us are simply unprepared. Thankfully, there are options available for homeowners who experience temporary setbacks that affect their ability to remain current on their mortgage. HUD-approved housing counseling agencies specialize in finding solutions to these types of mortgage issues by working with you and your loan servicer to establish workout plans that are beneficial to both parties. Schedule a Housing Counseling Appointment call (800) 254-4100 It’s important to understand that lenders do not want you to go into foreclosure. It typically costs lenders more money to foreclose on a property than it does to help homeowners get back on track and stay in their homes. Unfortunately, most homeowners simply don’t understand that these options are available. NCHEC-certified foreclosure counselors will work with you and your lender to identify the best solution for your particular circumstances. For homeowners who have experienced temporary changes in their lives that caused their delinquency, but who are able to make their payments moving forward, lenders will typically offer mortgage modifications to bring the loans current and often make mortgage payments more affordable by reducing the interest rates. Since these services are free, there’s no risk in speaking to one of our housing counseling professionals if you are having difficulty, so please do not delay. There are many options for homeowners who are struggling to pay their mortgage and our housing counselors are fully trained and certified in order to give you the most professional and expert advice available. Qhh8V2L1NXs” width=”560″ height=”315″ frameborder=”0″ allowfullscreen=”allowfullscreen”>

 

 

North Carolina, North Carolina (US State), Foreclosure Prevention Counseling in North Carolina, prevent foreclosure, avoid foreclosure, housing counseling, loan modification, HUD housing programs, credit counseling, foreclosure assistance

 
© 1994 consumercounseling.org

credit counseling
credit counseling

Consumer Credit Counseling, United States call (800) 254-4100 for Credit Repair, Debt Consolidation, Bankruptcy Counseling, Foreclosure Prevention, Stopping Wage Garnishment, Student Loan Bankruptcy, Vehicle Repossession, Mortgage Loan Modification, and Debt Settlement. Through referral to professional organizations with a track record of success in helping the public and the use of a variety of tools such as the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, Chapter 13 Bankruptcy for Foreclosure Prevention, Student Loan Defaults, Salary Garnishment and Property Attachments and Vehicle Repossession the goal to reduce and ultimately eliminate debt becomes a reality.

United States credit counseling call (800) 254-4100 for credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.

 

 

Credit Repair in United States

United StatesFree Credit Repair Consultation in United States call (888) 502-1260 fix bad credit report, improve credit score, remove bad credit, credit report repair, free credit report, check your credit report in United States.

United States credit repair really actually works. Why is it so common to hear that bad credit can’t be repaired? What does the law say about repairing your credit? What is the truth about credit repair companies? Can they really do what they say they can do? How do you go about completely repairing your credit and getting new credit lines, mortgages, etc.? Can you add good credit to your credit report by having another person add you as an authorized user to one of their credit cards? Why is it so common to hear that bad credit can’t be repaired?

Credit is a way of life in America. Without good credit, you have to take your seat in the second-class section of our economy. But, if your credit is in shambles, you may not be willing to wait for seven years while your credit report repairs itself.

Is there anything you can do to speed your credit repair? Many authorities, such as the news media, will tell you there is nothing you can do to repair your credit. Newspapers, magazines, and TV news journals all seem to be unanimous in discouraging you from making any effort to repair your credit before the seven year limit.

How do these journalists explain Lexington Law Firm? We have repaired over one hundred thousand negative items from individual consumer credit reports in the last two years. What about the thousands of Americans who have repaired their own credit? Why has the media repeatedly denied the possibility of
repairing credit when substantial evidence points to the contrary? Who stands to gain from such a broad campaign of disinformation?

The giant credit reporting agencies (credit bureaus) have maintained a consistent public relations effort to dissuade you from repairing the information appearing on your credit reports. The credit bureaus are especially intent on steering you clear of “credit repair” companies that promise to help you repair your credit. The bureaus claim that these companies “cannot have accurate information removed from your credit report.”

If you are like 70% of Americans that have less than perfect credit, you’re sure to be interested in the truth about credit repair. If there were a legitimate alternative to seven years of credit denial, that alternative could mean early parole from the bad credit prison.

What does the law say about repairing your credit? As the credit bureaus computerized their processes and greatly expanded their reach and influence in the late 1960s and early 1970s, consumer complaints began to pile up at the FTC and state attorney generals’ offices. The credit reporting agencies quickly became huge bureaucracies second only in size to the federal government. Yet, the credit bureaus expressly served only the needs of their clients, the credit grantors.