Foreclosure Prevention Counseling

At Foreclosure Group, we provide foreclosure assistance for homeowners who are either delinquent with their mortgage or facing an imminent foreclosure. The people we represent choose to work with us due to language barriers, time constraints, limited knowledge in finance, etc. Most importantly, we pride ourselves on upholding the highest standards of business ethics. Due to the recent negative publicity and attacks on companies that provide foreclosure assistance, we would like you to know the following about our firm.
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• We pre-qualify and screen each homeowner by completing a detailed personal financial worksheet before we recommend a possible workout or resolution with their lender.
   
• If we do charge a fee for our services, we provide a money back guarantee to all of our clients.
   
• All of our lender facilitators are either certified or come from the banking industry.
   
• Before we contact any lender, we work with each client to complete a workout agreement that includes an authorization form, personal financial statement, hardship letter and a certificate of credit counseling. The home owner is also made aware that other documentation may be needed.
   
• By the time we contact you, in the mitigation department, we have collected all necessary documentation and have informed the homeowner of the all their options.
   
• Finally, we make sure the homeowner is aware of the importance of saving and accumulating as much money as possible to put towards a potential work out resolution.
   
• We, at Foreclosure Group, are trying to raise the bar and add as much integrity as possible to an industry that can provide an invaluable service to a family, or home owner, about to lose their home. It is in the best interest of our company, and the homeowners we represent, that all lenders are made aware of our policies, goals, and vision for the industry.

In your counseling session, our counselor will review your income and your expenses and help you to develop a realistic budget. Our counselor will then discuss the options available to enable you to meet your mortgage obligations. We will determine the cause of the delinquency and discuss with you the appropriate actions to cure your delinquency and, if possible, avoid foreclosure.

Our counselor will offer assistance in dealing with your lender, provide information on avoiding scams that may cause you to lose your home, and explain how to avoid predatory lending.

You will learn about the foreclosure timeline and the appropriate steps to take to avoid foreclosure. Our counselor will review all the options available for you to bring your mortgage current.