There are many different sources of foreclosure information out there. So who can you talk to for the right information? Who can you trust?
The best place to start is with national or local government agencies. These will have the most relevant and accurate information for your situation. Because rights in foreclosure vary from state to state, these resources are also the best place to go to get information specific for your situation. While there are many things that are true of all foreclosure situations, what your rights are vary widely from state to state.
While you are on the phone or in the office of one of these foreclosure experts, it is important to know what questions to ask them. Before you hang up the phone or walk out of their office, be sure to ask the following questions about your right in foreclosure.
What is my foreclosure timeline?
How far into the foreclosure process am I?
What are my options at this point to stop foreclosure?
Who do I need to contact to stop the foreclosure?
Does my mortgage company have to help me or give me options to foreclosure?
If I cannot save my home, what happens then?
How much time do I have to move out after the foreclosure sale?
What legal options are available to me?
Where else can I get help?
When you do get a chance to talk to someone, taking notes in a notebook is a good idea. That way you have something to refer back to later. Writing down these questions and any of your own before you talk to them is a good idea as well. That way you do not have to try to remember all of your questions.