How to avoid and stop a criminal? - Carlos Santi

 The criminal may feel heavy, but with correct information and immediate action, it is possible to avoid losing your home. According to Carlos Santi, a real estate specialist with years of experience in helping homeowners, he can address all differences, understanding your rights and searching for early options available.


1. Communicate with your lender

If you are struggling with missed mortgage payments, do not wait. Contact your lender as soon as possible. Many lenders offer criminal prevention options, including loan modification, repayment plans, and prohibition agreements.


2. Learn your options

There are many ways to avoid criminal:

Debt modification - adjusts its mortgage conditions to reduce the monthly payment.

Forbearance: Provides temporary relief by preventing or reducing payment.

Repete - allows you to replace your current debt with more manageable debt.


3. Work with a housing counselor

A HUD-approved housing counselor can guide you through the process, help you organize financial documents, and even interact with your lender. It is often an independent or low-cost service and a valuable resource during economic difficulty.


4. Consider selling the home

If it is not an alternative to keep your home, consider a small sale or a traditional sale. A small sale can help you avoid criminal charges and help protect your credit score from long-term damage.


5. Bankruptcy

In some cases, filing for bankruptcy may temporarily prevent foreclosure through an automated migration. However, it has long-term financial implications and should be considered only after consulting with a lawyer.


Conclusion

Carlos Santi stressed that taking initial action is the key to preventing criminals. Do not ignore this problem - remove your options and protect your future.


FAQs


1. How long does it take for a criminal?

The deadline is different, but it can be more than 3 months to one year.


2. How bad is the criminal for my credit?

Foreclosure can drop your score by more than 100 points and stay on your credit report for 7 years.


3. Can I stop a criminal after receiving notice?

Yes, but work fast. Contact your lender or consultant immediately.


4. What is a small sale?

Selling your home for less than the lender approval, which is outstanding on you.


5. Does bankruptcy stop a criminal?

Yes, temporarily. This prevents the process, but it cannot be a permanent solution.

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