Personal financeFocus on What You Can Control to Stop Mortgage Foreclosure
There are many things that you cannot control in your foreclosure process but the key to being able to stop mortgage foreclosure is to focus on what you can control instead of what you cannot. Part of the key here is understanding what is in your control and what is not.
What You Cannot Control
You cannot change who your mortgage company is. You are dealing with who you are dealing with and no amount of anger is going to change that. You will have to deal with your mortgage company in order to stop mortgage foreclosure and you will have to find a way to work with who you have.
You cannot change what the foreclosure timelines are for your state. Much of the timing of your foreclosure is dictated by the laws that govern foreclosure in your state. Being able to stop mortgage foreclosure means finding a way to work within those timelines. Some states have short timelines, others have long ones. Come to terms with what the timelines are for your state and find a way to work within them.
You cannot change the fact that you are currently in foreclosure. Many people try to deny that foreclosure is happening. Accept that it is happening. You can stop mortgage foreclosure on your home but you need to recognize that you are in foreclosure.
What You Can Control
You can control how you work with your mortgage company. You can decide to ignore them or you can actively work with them. The only way I was able to stop mortgage foreclosure on my own home was by actively tracking down someone at my mortgage company who was willing to help me. You have to be persistent in calling them and in communicating with them. But avoid getting angry at the person at the other end of the line. It is not their fault that you are in foreclosure and they simply have a job to do. Recognize that and you will be able to get much further with them.
You can control how you react to being in foreclosure. You have a choice. You can get depressed or angry or you can decide to be calm and confident. The choice is yours. Is it easy to control your emotions in this way while you are in the middle of foreclosure? Of course not and I know that I was not always calm and in control of my emotions. But I can tell you this, I got much further with my mortgage companies when I was calm and rational. If you are going to stop mortgage foreclosure, you will need to be able to calmly and rationally look at your situation and solutions to it.
You can control whether or not you give up. The moment that you decide that there is nothing you can do to stop mortgage foreclosure, you have lost. Be always actively looking for solutions. Spend time every day working on ways to stop mortgage foreclosure and educating yourself about foreclosure. The more you look for a solution and believe that one is available to you, the quicker a solution will present itself. The solution to your problem is not going to come smack you on the face, you have to go out and actively look for it.