by Thomas D. Richards, Lawyer Referral Service Panelist
There are many reasons for getting behind on a mortgage payment. Perhaps you lost a job, or there is an illness in the family and someone can’t work any longer. Lots of things happen, but the lender needs to know your situation so they can try to work with you.
When you are behind a few months on your mortgage payment, the worst thing you can do is not communicate with the lender. When they call, you need to talk them. If you can’t take the call, you need to call them back. Communication is critical because if they do not get the impression that you are trying to work something out, they will assume you don’t care to keep your house any longer and will move it into foreclosure.