I don't want to be cruel here. That's not my intention. However, day after day I get inquiries from homeowners who have missed payments on their mortgage for whatever reason. Everyone wants to know how to stop foreclosure. EVERYONE! So I just want to post this info on the web once and for all.

Who am I? I work for an organization that helps people stop foreclosure. I can't reveal the company because I shouldn't even be posting this per my employment agreement. I see the pain that bad credit and foreclosure causes people and if possible I'd like to help

It's interesting to me that most every person who calls, emails, or writes to me does so about a week or a few days before the foreclosure auction is about to occur. Now in some states, you lose your home and have a redemption period. But in those states where you lose your home for good at the courthouse steps, it's amazing that people wait until the last minute.

Well I've got some advice for you if you have just missed making a mortgage payment on time, or if you THINK you're about to miss a mortgage payment or going to be late…..CALL YOUR MORTGAGE COMPANY IMMEDIATELY. The quicker you do this you will increase your chances of being able to continue to live in and OWN your home. Just believe me when I say this. Now there are some steps you need to take IMMEDIATELY and BEFORE your credit gets so bad that you'll be crippled for 10 years. Don't wait, just do them immediately!!!

1. Check your credit with all three credit bureaus and get your CREDIT SCORES. Why do I insist that you get your credit scores? Because many banks are using scores exclusively to decide whether they will give you a mortgage. If you've been late a time or two...or six, that may figure into their decision to loan you money. However, please be advised that your scores are so important that you need to be able to KNOW which credit bureau is scoring you the highest and which is scoring you the lowest and which one is in between. You can get copies of all of your credit reports here . . . This is an absolute MUST HAVE if you're serious about getting your credit repaired and increasing your scores on all three credit bureau reports. I've negotiated a special deal for you. You owe me nothing for this. Just go to this link.... Fico Scores/Reports

2. Make some sort of payment. DON'T STOP SENDING PAYMENTS TO YOUR MORTGAGE COMPANY SEND SOMETHING!! You've got to show some good faith. Let the mortgage company know you're experiencing hard times but that you're trying to pay the mortgage as well. Don't just STOP paying anything. Think about it. Would YOU rather try to help someone who owes you money and is paying you SOMETHING? Or would you rather help the guy who owes you money and won't call you or even return your calls. This is a no brainer. However, so few people send partial payments that it confuses me. Be smart.. even if you only send 5 bucks, send something!

3. Thou shall not let ANYONE pull your credit before YOU know your credit scores. And be sure to get any credit problems other than your mortgage payments fixed BEFORE you apply for your new mortgage. The link to do that is here. . . Ovation Law Essentials Program

4. Ye though I walk through the valley of the shadows of foreclosure I shall fear no evil, for the credit protection laws are with thee. If worst comes to worst, and you've missed four or five payments, let your mortgage company know that you would hate to declare bankruptcy but you may have to do so. And if things get over your head and you're in danger of losing your home, then contact a bankruptcy law firm. Don't just call ANY LAWYER. Contact a BANKRUPTCY LAW FIRM! Call one or two and ask them about their experience with bankruptcy cases. You've got to feel comfortable with them or move on to talk to the next one.

5. Get a CREDIT SCORE WATCH type service. Your credit is starting to get a little rough. But you want to make sure that as you start to get things headed in the right direction that none of your creditors try to give you a negative hit to your credit. If they try to do this, you'll be notified immediately by phone or email. There are many programs that do this or something very similar. I recommend that you try the following. Get Equifax Score Watch Now! It's called SCORE WATCH and it's damn good. It is absolutely necessary that you watch your credit like a hawk. Score Watch does this for you.

I hope all of this helps. You really can save your home from foreclosure and save your credit. If all you need to do is watch your credit scores to be sure that no one is stealing your identity then you should sign up for Get Equifax Score Watch Now! . If you want to be sure that your current creditors are reporting your payment history honestly, then you need to use Fico Scores/Reports . You defintely need to sign up for at least one of them.

If you're in foreclosure then you need to sign up with both of the above if you want to save your home and your credit. When all else fails, you can go to a website that will evaluate your home for quick sale. The website is http://www.cantsellmyhome.com - this website is great and will genuinely help you if all else fails.

Good luck and I'm hoping that all of this actually helps you out!