What to expect

It costs nothing and commits you to nothing

The consultation is free. Nobody will ask you to pay for it, and nobody will ask you to sign anything on the call. What you say stays between you and the person you are speaking with. It is not posted anywhere, and it does not notify your lender on its own. If a referral is the right next step for you, your information goes to that professional — that is what the consultation is for.

Reaching out is not the same as deciding anything. It is a way to find out where you actually stand before you decide.

What you will be asked

Four things: roughly what you owe, roughly what the property is worth, what changed in your situation, and what mail or notices have arrived so far.

If you do not have exact numbers, or have not opened everything that came in the mail, that is fine. Most people who reach out do not know all four of these when they call, and part of the conversation is figuring out what you actually know versus what you have been assuming.

What you walk away with

An understanding of every option available given your specific situation, and which of those are actually worth considering versus which are technically possible but not a good fit for you.

That is different from being sold one option. You will hear the trade-offs of each, including the ones that do not lead anywhere for us, and including the option of doing nothing for now.

If the answer is that we cannot help

Sometimes the best move for your situation is one this practice does not handle. When that is true, you will be told plainly rather than steered toward whatever we do offer.

That includes situations where the right next step is a free HUD-approved housing counselor. If that is the honest answer for you, that is what you will hear.

What happens after

If a path forward exists, you will be connected to the kind of professional your situation actually calls for — an agent who handles distressed sales, an attorney who works on short sales or loan modifications, or a bankruptcy attorney. Which one depends on what you owe, what the property is worth, and what changed for you.

That connection is matched to your case rather than pulled from a standing list, and who you talk to next after this call is always your choice.

Questions people ask first

Is it too late?

Usually not, and it is worth finding out rather than assuming. Some options close as a deadline gets closer, but others stay open right up until a sale is final. The only way to know what is still available to you is to look at your actual dates, which is part of what the consultation does.

What does it cost?

The consultation itself is free. If a path forward involves a sale, an attorney, or another professional, any costs tied to that path will be explained plainly before you commit to it — but talking to us and finding out where you stand does not cost you anything.

Will you pressure me to decide something on the call?

No. There is nothing to sign with us, and no decision has to be made while you are on the phone. The point of the call is to lay out what is actually available to you so you can decide on your own timeline, with accurate information instead of a guess.

Will anyone find out I called?

What you share is kept between you and the person you speak with. It is not posted anywhere, and reaching out does not put anything on public record or notify your lender on its own. If a referral is the right next step for you, your information goes to that professional as part of the consultation. Many people who call have not told anyone else in their life what is going on, and that is common, not unusual.

We reply the same business day.