A plain walkthrough of what pre-foreclosure means, how long you actually have, and what you can still do about it. That includes the options that have nothing to do with selling.
If it doesn't begin automatically, click here to download the guide. Questions about your situation? Call (470) 838-7108. The call is free and you are not committing to anything.
Fifteen pages, written to be read in one sitting by someone having a difficult month.
Why we wrote it, and where to start if a sale date is already set.
The legal process behind the letters, and what the terms in them mean.
The window where you still control the outcome, and the things it does not mean.
Why your state sets your timeline. Georgia's is fast.
Twelve steps in priority order, starting with the ones that matter most.
A checklist to work through before you call anyone.
Stage by stage, from the first missed payment through the sale.
The review your servicer owes you, and what applying early protects.
Why this happens, and why it is not a character flaw.
Eleven routes compared. Six keep the house, five settle the debt.
The guide points you to independent help throughout, because you shouldn't have to take our word for anything. HUD-approved housing counselors are free and know your state's rules. Call (800) 569-4287 or go to hud.gov. This guide is general information, not legal advice.