Q:  My credit is bad, am I wasting my time?
A:  No.  Almost everyone who has fallen behind on house payments have had some credit problems in the past.  We help people regardless of credit.

Q:  Why did my mortgage company send me my payment back?
A:  After your mortgage company accelerates your loan, they no longer accept a payment less than the full amount due.   They are likely to send it back to you, asking for the whole amount.  The reason for this has its origin in case law.

Q:  What do I do if someone stops by the house?
A: It is possible that investors or bank representatives will come by and look at your house.  This is their way of evaluating the condition of the collateral on your mortgage.  The bank may be checking that it is not vacant. 

Q: How much time do I have?
A: It depends on which state your property is in. In Cook county Illinois, the courts are behind by up to 20 months. In a case like this, you could actually stay in your home without making payments for a very long time. Other states, like Texas for instance, will schedule your home for foreclosure sale just 3 weeks after serving you with notice. Time is no friend when you’re behind. Take steps to get yourself caught up. The longer you wait, the more you pay in court costs, late charges, and attorney fees.

Q: Can HomeSavers USA help with my other bills?
A: Not directly. We specialize with one thing, catching up your mortgage. We work closely with many non-profit outreach groups and credit counselors. Click on the side bar for "Help with other Debts". You will find some helpful links there.

Q. Can I get help immediately?
A. Yes. You may apply for assistance right now. Just click "Help Me Now!!" on the side bar. In just two days, we’ll call you with the news. (Three days if you submit on a weekend). This is faster than calling us and receiving our assistance packet through the mail. Of course you are welcomed to do both.