2 Timothy 1:7...
For God hath not given us the spirit of fear; but of power, and of love, and of a sound mind.

I've been teaching credit repair classes a long time so I've met a lot of people over the years.  I had a women call me one day and said "I took your class a couple of years ago and remembered you used to be a debt collector. Well, I have this friend and he's thinking about going to a loan shark to pay off his payday loans and I thought he should call you before he got into trou...

If you are currently unemployed or if your salary has been reduced then I suggest you contact your bank about getting a loan modification.  Some of you maybe asking doesn't this affect my credit score?

Well, if you are behind already your credit score has already been affected.  So no love loss there, it's better that you keep your home than worry about your credit score now.  You can bring your credit score back up when your finances are back to normal.  But, dealing with a foreclosure ...