Where And How To Get Help When Facing Fort Lauderdale Foreclosures
Why call them
Why call them
The first advice experts will give you when your home in the city is facing a Fort Lauderdale foreclosure is to contact your lender. But there are instances when talking to your lender doesnt help. This is especially true if your bank doesnt hold the entirety of your mortgage loan.
It is common practice for lenders to sell your mortgage to other investment groups. If this happens, it becomes particularly hard to determine which institution holds your loan. Furthermore, even if you managed to identify the right people who currently hold your mortgage, its still possible they dont have any representative, who can help your situation, in Fort Lauderdale.
This is why contacting the local foreclosure counseling agency in the city helps. This channel will also be tremendously helpful if youre wary that your lender will not be willing to help you with your Fort Lauderdale foreclosure. Counseling agencies are great third-party and neutral institutions that can help you assess your situation properly.
Counseling agencies
There are several nonprofit foreclosure counseling agencies operating all over the country. It is helpful to check the citys yellow pages or check online for the names of agencies located in Fort Lauderdale.
One of these agencies in the city is Legal Aid. Currently, there are Legal Aid offices in Broward County and they offer legal representation if you even need help but cant afford to hire an attorney of your own.
Housing Help Now is another counseling agency you can turn to. The agencys website can provide you with plenty of information regarding housing as well as an online tool to help you check whether your mortgage truly fits your income. And if youre lagging in your payments, they provide steps to help you avoid problems.
So, if youre house is verging on a Fort Lauderdale foreclosure, dont forget to approach counseling organizations. Dont wait for your problems to reach dangerous levels before finding help. It is better if you get counseling immediately once youre starting to get behind your payments.