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 Riverside Paper Array 65 lb Card Stock 8 1 2 x 11 Black $16.95 Time Remaining: 19d 8h 11m Buy It Now for only: $16.95 |
 Riverside Paper Reminiscence Card Stock 65 lb 8 1 2 x 11 Assorted Pastel $15.70 Time Remaining: 29d 8h 11m Buy It Now for only: $15.70 |
 Riverside Paper Neon Bond Paper 8 1 2 x 11 24 lb Assorted Colors $12.76 Time Remaining: 23d 10h 46m Buy It Now for only: $12.76 |
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 Riverside Paper Array Asstd Parchment Colored Bond Paper 8 1 2 x 11 24 lb $22.76 Time Remaining: 3d 11h 18m Buy It Now for only: $22.76 |
 Riverside Paper Neon Bond Paper 24 lb 100 Sheets 8 1 2x11 Neon Yellow $13.79 Time Remaining: 23d 10h 46m Buy It Now for only: $13.79 |
 Riverside Paper White Four Ply Poster Board 100 Count $43.99 Time Remaining: 8d 22h 57m Buy It Now for only: $43.99 |
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 Riverside Paper Colored Four Ply Poster Board 28 x 22 Black 25 per Carton $16.97 Time Remaining: 9d 7h 49m Buy It Now for only: $16.97 |
 Riverside Paper Array 65 lb Card Stock 8 1 2 x 11 Assorted Parchment $15.25 Time Remaining: 19d 8h 11m Buy It Now for only: $15.25 |
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Riverside Paper
Telling the Bank Your Troubles; do They Really Care?
If you have ever had to write a letter to a creditor, it can be a daunting task. There isn't anything fun about sitting down to hash out your problems with pen and paper, and feel like there are millions of clouds looming all around your finances. The banks request the hardship letter to see how your current struggles are affecting you, and it may possibly be a deal breaker.
The hardship letter is a piece of evidence so to speak, for consideration on whether or not they should grant you a short sale. There is no guarantee that they will negotiate the short sale, but it's always worth a try. You need to be able to walk away from the situation knowing that you did everything you could possibly do. When you do your hardship letter, sit down and really pour your hear t out to convey to them what is happening.
Before you write your hardship letter, take an inventory of what is going on with you and your family. When did it start? Do you feel that you are upside down in your home? Or, did you knowingly take a 115% loan out on the home? These are things that you need to be real about, because it's something that is no longer hidden. If you are running behind on your payments, then there is a real, definitive problem. So, put those details into your letter.
Are you wearing down or unable to work because of the phone calls and the letters? Convey that with emotion. Everything that you are experiencing is real. Tell the bank why you can't afford this house, don't let up and don't cut any corners on this. Put down everything that comes to mind whether it's a job loss, divorce, medical bills, increase of property taxes and many more ideas. While every single item may not be affecting you, you do need to identify which ones do, and use that to your advantage. Don't hold back, and make it abundantly clear that you and you r family want to save your credit if you can't save your home.
Hardship letters are not necessarily an art, that would be a very poor choice of words. However, they are very important. This way, the bank is getting the story straight from you and no one else. There will be times when it's going to be hard for you to gather your thoughts, and to be able to think clearly amidst the emotion, so you may need someone else to step in and help you.
There are Certified Distressed Property Experts that are trained professionals that can help you with the process. They can counsel you, help you organize your paperwork, and help you gather those facts and ask the hard questions. Plus, they can point you the right direction on how to get to the next level once this is over.
For more information on how I can help, please go to www.inlandempireshortsaleresource.com.
About the Author
As a real estate executive and philanthropist, Mayer Dallal provides valuable counsel to individuals and families dealing with economic uncertainty. The advice Mayer Dallal gives his clients is to have options, to navigate this difficult economy with knowledge and confidence.mayerdallal.com
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inlandempireshortsaleresource.com
What do you love about your home town?
ALthough i was born in London and lived there until i was 8 i consider my home town to be Medway in Kent as that's where i've been ever since (i'm middle aged now, i'm 30!).
Now the Medway Towns get a bad press both locally and nationally and to be honest some of it is deserved but i think there's a lot more to it then the Chavs etc.
For example there's nothing more relaxing than chilling out by Chatham Riverside with bottle of water and a paper. I adore history and a stroll around Rochester is enlightening every time.
There's a lotlovelvoe about my home town but i want to know what you like about yours?
I am just 10 minutes from the sea, 10 minutes from the city and 5 minutes from the country side. Life really couldn't get any better.
NELSON WRAP PALLET WRAP DISPENSER from Riverside Paper Co.