CMRKU

Home Retention Department

Carlisle, McNellie, Rini, Kramer & Ulrich Co., L.P.A.

Toll Free Number for Homeowners: (877) 360-7244, Ext. 114

...YOU HAVE CHOICES

If you are in the process of foreclosure you may be eligible for certain opportunities that will bring your loan current. We understand that you may have had an unexpected expense or circumstance beyond your control which forced you to miss mortgage payments. Below is a brief description of various options you may have available to you to avoid foreclosure.

...WE WILL TRY TO HELP

Repayment Plan: After a payment of a portion of the amount required to reinstate your loan, the balance would be spread out over a certain time period.
Modification: A loan modification is a written agreement between you and the lender that permanently changes the terms of the loan.
Deed in Lieu of Foreclosure: You would transfer ownership of your home to the lender. You would be given a short period of time to move from your home. You would receive a full release of your debt, or substantial reduction of the debt. This option is available if there is only one mortgage on the property.
Reinstatement of Your Loan: You would pay the total amount past due in one lump sum.
Sell Your Property: This means that your property would be sold by you prior to the foreclosure. Approval is required if your sale does not pay off your lender in full.

How Do You Take Advantage of These Alternatives?
Call the above number or click here

The foreclosure action will continue whether or not you respond to this letter. The foreclosure action will continue until your lender determines if you are eligible for one of these alternatives and an agreement is signed.

Your decision to complete the form does not in any way affect any legal rights with respect to the FDCPA or the Summons and Foreclosure Complaint that has been served upon you. Please read your Summons and Foreclosure Complaint to determine how to respond to the foreclosure. Completing the form will not affect your right to dispute the validity or the amount of the debt that is stated in the Complaint.

We strongly recommend that you consult an attorney to preserve your legal rights.

*****Please note: This office is attempting to collect a debt; any information obtained will be used for that purpose.