Any homeowner who has been more than two months behind on their mortgage has most likely had an acceleration warning letter from their lender. An acceleration warning is a letter from a financial institution or lender threatening to speed up the foreclosure process if the past due amount on the loan is not paid within 30 days. What can be done with an acceleration warning? (more…)

This week was a harsh one for my house. I had a leak in the ceiling and wall that I could see but couldn’t find. I knew it was coming from the roof or attic area. However, it is so hot up there, you can’t stand to stay up there for more than five minutes. Here in Texas, near Dallas we have seem some hot temperatures this week. Highs have been in the upper 90’s with dew points in the high 70’s. Very hot and muggy. Now if the heat index is 105-110, imagine what the temperature is in the attic. It feels as if you can easily add 20 degrees. (more…)

Foreclosure is a real problem with many consumers. Foreclosures are hitting all time highs in many states. Many of these very unfortunate Americans feel they have no place to turn to for help. A foreclosure can put an entire family in emotional distress. Studies have show that everyone in the family can feel the stress, even children. (more…)