The professionals say it is always advisable to approach the mortgage company or the lender before you actually default on some payments. But some times some unforeseen situations land you up in real mess. And you finally miss out the monthly payment. Time yet remains the key to your success in the negotiation. After the default, your first communication with the mortgage company or the lender would be a hardship letter. The hardship letter is your explanation to the company as to why you could not make the payment and what do they expect in future.
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