Forbearance Agreement

Forbearance agreement is what your lender will offer you when you call. So Don't call!
Why? Because forbearance plan is not good for you. Your lender will simply create a payment plan for all that you owe. The sum total will be divided to a few months and added to you regular monthly mortgage bill.
You could not afford your mortgage in the first place how in the world you can afford a forbearance plan?

Yes it is true that legal services cost money but there are times in life that I had to use a legal professional and this was one of those times. You know why? It is very simple my lawyer represented MY best interest while negotiating with the lender and I got the results that I wanted. I would have never in a million years be able to even speak with a decision maker when I called my lender on my own. If your home is important to you fight for it the best way legally possible.