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So let's think about this for a few seconds. You are behind in your mortgage payments, and probably some other payments, and along comes someone who claims they can help. So you go to your retirement, make an emergency withdrawal of a few thousand dollars, and pay someone cash upfront to help you so you won't be behind in your bills and lose your home. In addition they tell you not to communicate with the lender anymore, they will handle that for you.

My sister tried this on me one time when she brought me a fresh brownie from the kitchen, but said not to tell mom that she gave it to me. What a suprise I got when I bit into it and found it was made from dirt!! However, when I got fooled I was six.

In these trying times scammers profit from the desperate, people who so want to believe that there is a magic pill that will save them. There really isn't a magic pill, and I hope you find out before losing the only thing you may have left, which is your retirement.

If you are in trouble there are 2 things that you need to remember: There are people who will help you without upfront fees; and very few things in life work out for the good when you pay for something upfront with someone you don't know.

In the next few blogs I will give you some agencies that are legitimate that you can contact for help for your debts and some practical advice. I will tell you that one of the most important tactics is to communicate with those that you owe. They really don't want your home, only the money that you owe. Unfortunately, so many people get behind then don't communicate with their lender that they force the lender to foreclose.

Remember rule number 1: If you can't make your house payment, contact your lender before they contact you.

Stay tuned for my next blog on some helpful agencies that you can trust.

Seems like real estate has been going downhill for the last couple of years with no bottom in sight. The news media are still touting the doom and gloom aspect and the Chicken Little's are still running around with their heads in their hands!

Being in the business daily, I have noticed that calls have picked up and showings have increased. People seem to be calling and wanting to see houses and while sales have not gone up, they are beginning. See, it starts with interest and then things start to turn. The interest rates have dropped and there are good deals out there and people are getting stir-crazy.

So why do you care? Maybe you have had your eye on a particular home or thought about something larger, or smaller, or just different. You may have seen the bottom and you may want to think about making that move this year. Don't wait too much longer or you may miss the bottom as it sweeps past!