Money – If your mortgage due date comes and goes and you're unable to make your mortgage payment due to a job loss or another situation beyond your control, don't pretend there isn't a problem by ignoring it.
Be smart Do what American Business has done for Centuries...Go Bankrupt...if it works for them it should work for ordinary hard working People who get into trouble...The Hell with all this re mortgage and re finance and more money to shell out.Get out from under the Payments their is no shame in it its your Right under the LAW
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this is very important and rates keep bopping around and equity values deplete.