​Banks are highly regulated. Back in  the days of the Great Depression, banks took advantage of people that got behind on mortgage payments. They could demand payment in as little as 30 days or force you to move. Foreclosure laws were passed to provide the consumer with more time to work out their financial situation and either sell their home for market price, catch up payments or refinance with another lender. However during this extended period of time the banks are allowed to charge late fees and accumulate interest. Once the loan becomes seriously past due, they can even pass along some of the costs they incur to foreclose including attorney's fees and publication of foreclosure notices. The more time passes, the fewer options a homeowner has to be able to save their home or at least their equity.

​The old song tells of the hardship of "owing your soul to the company store." The weight of worry that comes from experiencing financial loss can feel like 16 tons. The fear of losing  your house and home can be paralyzing.

Many people that are facing foreclosure are so traumatized, they often do nothing but wait until the day they are forced to leave.

The time to take action is early on in the process.

​Don't wait until you get a notice of a Sheriff's Sale or an eviction notice to get help. It's better to get advice before your credit is damaged or you lose your equity to accumulated late fees and interest. Instead of getting "another day older and deeper in debt" learn what options are available to you and take action today.

Nampa, Idaho home values have gone up 37.9% over the past year and will continue to rise at a similar pace over the next twelve months. Meridian, Idaho home values have gone up 34.9% over the past year and will continue to rise in double-digits over the next twelve months. That means that Idahoans are paying more for their homes than ever before!

​It is hard enough to keep up on all your bills, but keeping up and catching up at the same time can be next to impossible. Particularly if you have had a life-changing event like divorce, loss of job, Covid related illness or as a victim of a financial scam.

House payments are often the largest monthly expense for most families. Getting behind on even one payment can have a ripple effect of robbing Peter to pay Paul, running up credit card balances, and even having your utilities shut off as you juggle your finances to keep from drowning in debt. Saving your house from foreclosure is a critical part of getting back on your feet and getting current on all other monthly expenses.

Ranked 13th for most populated state, Washington came in at 43rd place for foreclosures. It has 3,106,528 housing units, of which 96 went into foreclosure, making the state's foreclosure rate one in every 32,360 households.

​You may be experiencing a change in your financial picture that has caused you to get behind on house payments. To make matters worse, your credit is also suffering making it seem impossible to refinance your home as a way to catch up on payments. While selling your home may be an option, you will need to move somewhere and if your credit has been harmed it may be difficult to find a new place to live. You need help in catching up the payments and re-establishing your good credit.

In other words, you need time and money.

​The pressure creditors put on you in these situations can make you feel you have no hope. If this sounds like you or someone you know, we can help.

Life is unpredictable. Accidents happen, employment can end to no fault of your own, divorce and illness can change your financial picture in a short time.

What happens if you get behind on your house payments when life happens? That depends in part on who is holding the mortgage. If you have a loan that was sold into the secondary market, you will find that there is little they are willing to do to assist you. In fact, if you attempt to make a partial payment, they will most likely send it back. That's because accepting any part of a payment delays their ability to  start foreclosure.

​In circumstances like these, you need professional guidance, but you also are likely in a position where you can't afford to pay for that guidance. Foreclosure advice is available at no out of pocket expense. In fact, any lender that starts a collection effort by law must provide contact information of where to get advice.