Banks, and financial professionals in general have problems with loving to be sneaky individuals. The banks know that there are ways they that could probably negotiate with you to allow you to stay in your home. But they want thier money now, of course. And they want it by selling your home to someone else.
Find out how to stop this now.
Stall this until you know how to beat them at their own game.
The banks know there are ways for you to stay. They just don't want to be nice to you and let you pay less, they want recoup their loss as they like to phrase it. Very simply when things get dirty, you need to start doing research fast. If you legally don't have to pick up the phone, or read your mail, then don't. Don't give them anymore information than they need as they will use this to their advantage.
Recently lost your job? If you tell them, all that is going to do is make them speed up the process. Have a grandmother who has a lots of money in the bank? Don't let them know, or they will harass you to get it from her or tell you to move out now, because you have access to money and you just aren't giving it to them. Leave them in the dark, like they are doing to you.
The following information is a must if you have any doubts or see yourself as described above.
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Information to beat the banks at their own game.