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If you are in default, response can only buy you more time. I responded with a compliant about unfair collecton practices and it gave me a couple more months. Bankruptcy could also be an option that would buy you time, but it is complicated and you'll probably need a lawyer. Know your rights, the process gives you time to move and regroup, but if you can't renegotiate with your lender, refinance or sell and pay off the loan you will be foreclosed on. Good Luck.

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16y ago

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