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My Credit is Poor. Am I wasting my time?
Answer: No. Your credit has no bearing on any part of the process. The 29 Minutes program creates a persuasive proposal for your mortgage company. They approve a workout alternative to foreclosure from the documents assembled by the package.
Why did my mortgage company send my payment back to me?
Answer: This happens after you have defaulted and they have accelerated the loan. They can call the full amount of the mortgage due or all that is behind. During this time they can only accept a single payment if a workout plan has been set up.
My other creditors are hassling me. Can this program help with them too?
Answer: Not directly. We suggest you visit
www.careconnectusa.org. You’ll find many helplines for other types of assistance.
How likely is the 29 Minutes program to stop foreclosure and help me?
Answer: The vast majority of homeowners who have followed the program have received the housing and legal advice necessary to stop foreclosure and find common ground with their mortgage company.
My mortgage company is rude and just demands payment. Why should I believe that this will change that?
Answer: We built the program from years of experience and legal expertise in dealing with all mortgage companies. The track record shows Positive results with the 29 Minutes process, since it bypasses the aggressive collectors and works with more agreeable departments in your mortgage company.
Should I refinance my mortgage?
Answer: It is nearly impossible to refinance when you are in default, unless you have built up a hefty amount of equity. And your payments would be higher in most cases anyway. If you wish to refinance, it is far easier after you get back to current status first.
Will someone be visiting my home from the mortgage company?
Answer: If you continue to fall behind, they will send out a field service representative. These people examine the condition of the property and lock it up if abandoned.
Should I move out?
Answer: No. If you wish to keep your home, you must show your commitment to it. Moving out or letting it look shabby will make it more difficult to arrange a payment plan you can keep.
What about Bankruptcy?
Answer: This remains a final option to keep your home in the rare possibility that you cannot get a plan from using the 29 Minutes program. The package offers insight and free legal advice to learn what would be involved in using bankruptcy to stop foreclosure and save your home.
I fell behind because I lost my job. Can this program help me if I haven’t returned to work yet?
Answer: To solve your mortgage problem, you will need to replace the monthly income lost from your job loss. The program offers many ways to raise cash now, but you must have some prospects that you will return to work in a reasonable amount of time for any agreement to be accepted by your mortgage company.
Why are the collectors so mean?
Answer: Although they vary, typically collections departments believe that “nice” doesn’t get you to pay. That’s why this program works so well. It bypasses the collections people and gets the right documents to the loss mitigation department. There they have the authority to revise your mortgage. And get you back to current status.
Should I sell my house to an investor, and rent it from him with an option to buy it back in the future?
Answer: Unfortunately, these investors often use fine print in their contracts making it near impossible for you to buy the home back. Be wary of clauses which void the agreement.
What if I buy the 29 Minutes program, and it doesn’t help?
Answer: We’ll refund your money (minus shipping and a small restocking fee).
See our Guarantee.
Should I hire a consultant to help stop foreclosure?
Answer: Some do fine work, others do very little. Since they are not regulated, it’s hard to tell which ones are the good ones. Their fees range from $600 to $1600, many times the price of the 29 minutes program.
Can’t I just call my mortgage company and ask for a workout program?
Answer: Yes, but it carries some risk. If they offer a plan at all, it may not based upon your abilities. They may require a large portion of the amount to reinstate with payments too high to maintain. Once you default on their plan, its difficult to get another one. The 29 Minutes program does all the work for you. They get a good view of your abilities to pay, and you get a comfortable path back to current status.