Columbus OH – Most of the short sale sellers
that we help are selling their home because of financial problems. They can't
afford the payments and sell their home to avoid foreclosure.
Click
here to discover how other sellers successfully did a short sale and avoided
foreclosure. http://columbusohshortsaleadvisors.com/
Because of this I am very familiar with helping my customers who have financial
problems. Many of them are struggling to buy groceries, keep the power turned
on, and pay for gas to get to work.
They are struggling to pay for the necessities just to survive and feed their
family. In most cases they have missed payments on credit cards.
The credit card companies think that you should pay them before
you buy groceries. If you are in this situation, then do not
give a dime of your money to any credit card company.
A credit card is an unsecured debt. They don't have any collateral to get their
money back with. They can't come get your car or take your house.
Because of that they cram hundreds of people into cubicles and "sic
em" on people in financial difficulty. They make hundreds of calls each
day. They lie and threaten people to scare them into paying.
If you are having financial problems, then just take a break from these people.
Get them off the phone as quickly as possible. Hang up if the conversation has
gone longer than 30 seconds.
Don't believe any threats to sue you. I estimate that 90% of the threats to sue
are never carried out. Even if they do sue and get a judgment they can only
garnish 25% of your wages.
I estimate that 95% of all unpaid credit cards will never result in a wage
garnishment. Now, I'm not saying you shouldn't pay them.
But, get your life back on track before you do. Get all of the necessities paid
for first. Every other payment should be caught up on before you pay them a
dime.
You should have an emergency fund of $1,000 or more before you pay them. Your
kids, healthcare for the entire family, and all other necessary expenses should
be taken care of.
If your car is having problems and needs to be replaced, then buy a new car.
Once you have everything in order financially, then you can start working with
the past due credit cards.
But, don't just pay them off in full. Most of them will accept a 10-20% of the
original balance. Pay them what you think is fair. When paying them off never
send them a check or give them your debit card info.
Some of their contracts have clauses that allow them to charge you more than
you had agreed on the phone. Get everything signed and in writing.
Then mail them an untraceable payment method like a money order. That way they
can't take every dime out of your bank account. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an
e-mail at robin.lemmons@kingthompson.com.
I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any
questions you may have. Or, if you prefer, you can call me at 614-741-2495.
Discover how other sellers successfully completed a short sale and request a
free consultation by clicking
here. http://columbusohshortsaleadvisors.com/
Thinking about a loan modification? Our Columbus loan modification kit has the
instructions you will need to get a loan modification approved with your bank.
Click
here to request a copy. http://columbusohshortsaleadvisors.com/
Thanks for reading this, Rick and Robin Lemmons.
Rick and Robin is a Real Estate Team at Coldwell Banker King Thompson.
Phone: 614-741-2495
Email: robin.lemmons@kingthompson.com
A Zest For The Best
View My homes for sale at www.rickandrobin.com.
Rick & Robin Lemmons specialize in helping Columbus Homeowners short sale
and never pay the bank another penny. Columbus Loan Modification Help, Columbus
Short Sales, Columbus Short Sale Realtor. Columbus Short Sale Realtor. Columbus
OH Short Sales. Columbus Realtor. Columbus OH Short Sales. Columbus Realtor.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important
Notice
Rick and Robin Lemmons, Coldwell Banker King Thompson, and the Stop Foreclosure
Institute are not affiliated in any way, shape, or form with the government.
Our services have not been reviewed or endorsed by the government or your
lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to
help you on a short sale, your lender may not agree to a short sale or to
modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else
in life. It takes work and persistence to convince your lender to modify your
loan. No matter what you or we do, your lender may not approve a loan
modification.
We do not recommend that you stop paying your mortgage, because this will cause
damage to your credit and could cause you to lose your home. Because we know
avoiding foreclosure is so important to any homeowner, we recommend that you
speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a
licensed professional before making any decision. Information is deemed
reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your
lender if it does not meet your approval. If you decide not to go thru with the
short sale, then you do not have to pay us our fee. We normally make a real
estate sales commission for helping you on a short sale.
The views expressed here are Rick and Robin's personal views and do not reflect
the views of Coldwell Banker King Thompson.
This information on Columbus Short Sale Help: Having Financial Problems? Tell
Debt Collectors To "Get Lost" is provided as a courtesy to our
viewers to help them make informed decisions.
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