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There are times when things are getting out of hand especially when it comes to protecting your properties and your dignity. There are millions of people around the world who are suffering from awful mortgage difficulty that is why you are not alone in this fight. However, this situation does not mean that every lender has the same issue and problems concerning mortgages.
There are times when you might be harassed by your mortgage lender, but you do not have to worry because there are ways on how you can resolve this kind of problem. First thing you need to do is to accomplish all legal forms needed to be signed. These types of forms may be very helpful to you along the way. The following are several ways on how you can protect your home and your dignity from abusive people:
· Dealing with the lender about fixed agreement can really be helpful to you, but it is not an assurance that they will stop harassing you to get their payment. You can go for a foreclosure deal by selling your property. There is a need for legal forms in this kind of settlement. You also need to consult a lawyer especially if you are not familiar with this kind of deal. You also need to accomplish power of attorney forms if you cannot manage transacting all by yourself. You can assign a family member to transact on your behalf.
· Reviewing the federal Trade can be very helpful. There are times when lender’s calls can be illegal. You can do some legal actions when their calls falls in this categories calls before 8am, calls after 9pm can be subjected to complaint. Wrong information regarding your payment, threats, foul languages, and calls coming from a third party can also mean harassment.
· It is imperative to recall all conversations made using the telephone. There is also a need to get the exact name of the caller and record the exact time and date of the conversation. This information is very important to prove your case. You cannot pursue a case without evidences.
· It is imperative to immediately call the Federal Trade Commission. They are the one who are in charge of handling & upholding the Fair Debt Collection Practices Act. In this case, you need to submit complete details regarding the course of the problem.
· The involvement of an attorney is imperative to prevent any kind of harassment. It is a nice way to have a lawyer to guide you with all your legal needs. You can also ask for real estate forms along the way if you think it is needed. This can prevent lending company from harassing you. Actually, this kind of method is not financial feasible if you have dreadful financial problem. You may not realize that hiring an attorney can save more money in the long run. It can stop any harassment act from your lending company.
Harassment is one of the drawbacks of having mortgages from companies than in a bank. It is more viable to get secured mortgages from bank to prevent these kind problems in the future.
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