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Ughhh...foreclosure
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<blockquote data-quote="donna723" data-source="post: 319172" data-attributes="member: 1883"><p>Those unsolicited offers that come in the mail ... I wouldn't touch them with a stick! The majority of them are scams but they try to make them look like they came from government agencies. A legitimate government program wouldn't be soliciting YOU, it would be the other way around. And the "national debt relief program" they're talking about is probably bankruptcy! They are probably some kind of "debt consolidation" loan company that charges outrageous fees and interest. I've heard of some of these places charging a fee, supposedly to to get you out of debt, then they disappear with your money!</p><p> </p><p>If I were you, I'd find a legitimate attorney that specializes in bankruptcy and talk to them. Some have a free consultation. They should be able to tell you if bankruptcy is your best bet or if there is some kind of government program that you could take advantage of. I don't know anything about foreclosure or Chapter 7 bankruptcy, but I filed for Chapter 13 several years ago and it just got fully paid off a few months ago. I know it ruined my credit rating but by that time it was already trashed anyway and it was the right thing to do at the time.</p></blockquote><p></p>
[QUOTE="donna723, post: 319172, member: 1883"] Those unsolicited offers that come in the mail ... I wouldn't touch them with a stick! The majority of them are scams but they try to make them look like they came from government agencies. A legitimate government program wouldn't be soliciting YOU, it would be the other way around. And the "national debt relief program" they're talking about is probably bankruptcy! They are probably some kind of "debt consolidation" loan company that charges outrageous fees and interest. I've heard of some of these places charging a fee, supposedly to to get you out of debt, then they disappear with your money! If I were you, I'd find a legitimate attorney that specializes in bankruptcy and talk to them. Some have a free consultation. They should be able to tell you if bankruptcy is your best bet or if there is some kind of government program that you could take advantage of. I don't know anything about foreclosure or Chapter 7 bankruptcy, but I filed for Chapter 13 several years ago and it just got fully paid off a few months ago. I know it ruined my credit rating but by that time it was already trashed anyway and it was the right thing to do at the time. [/QUOTE]
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