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Its easy to get behind on your bills. It happens even to the best of us sometimes. When it comes to mortgage payments though, getting behind can mean risking your homes foreclosure. The best way to stop foreclosures is to avoid getting behind on your mortgage payments in the first place Jeff Petry Jersey , but when circumstances prevent you from paying on time, what can you do? Where can you go?


The first thing to be sure to do, is be open and honest about whats going on. Dont try to hide from your lender Phillip Danault Jersey , or ignore them. This will just give them reason to believe that you arent going to pay them back. You need to contact them and be open and honest about your financial situation.


Lenders do not want to foreclose. It is only a last resort for when they feel that you will not be able to pay them any other way. There are a few things you can do to stop foreclosure.


1)Reinstatement This is when you negotiate to reinstate your behind payments by promising to repay later a lump sum to get back on track with your regular payment plan.


2)Forbearance This is when you are allowed to hold off on payments for awhile with a plan for later getting back on track with your payments.


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