Sushi Money 寿司的钱

Everyday it seems we read of increasing foreclosure rates, and how people all over the country are behind on mortgage payments with their lenders.  What is Foreclosure ?  Wikipedia provides some excellent information if you are not familiar, but foreclosure is nothing new- there has always been some percentage of the population affected by loss of income or another factor that leads to foreclosure.  Some folks believe the media is over-hyping the problem simply because of the real-estate and economic climate today.  That may be true, but it doesn’t change the fact that Americans in record numbers are indeed facing foreclosure , and some are now calling for government action.  It’s sure to be a political issue leading up to the election as well.每天似乎我们读到增加赎率，以及如何的人都该国的背后是对按揭付款与他们的放款人。什么是赎 ？维基百科提供了一些很好的资料，如果您不熟悉，但赎并无新意-总有一些人口的百分比受损失的收入或其他因素导致赎一些乡亲认为，媒体过度而大肆宣扬的问题，纯粹因为房地产和经济气候，今天，这可能是事实，但它不' T改变的事实， 美国人在创记录的数字确实面临赎 ，有些现正要求政府采取行动，它肯定会是一个政治问题，领导要选举，以及。

There are a myriad of reasons for foreclosure… job loss, local economic changes, loss of a family member or divorce, a house that won’t sell, or an inability to make payments or refinance based on current income and the type of loan.  The latter is a real issue for some today… lender standards have tightened and some people have simply got in over their heads with an unsuitable loan. So what can you do if you think you might be at risk of foreclosure?有无数的原因赎…失去工作，地方经济的变化，失去了家庭成员或离婚，一所房子，将不得出售，或无力支付款项，或再融资，基于对目前的收入和类型的贷款。后者是一个真正的问题，一些今天…放款标准，加强了，有些人干脆在得到他们的元首与不适合的贷款， 所以可以做什么 ，如果您认为您可能对风险的赎？

The most important first step is to make an honest appraisal of your situation. In other words, make a realistic analysis of your budget… look at income and expenses in detail to see where you stand. If you know the house payment is simply too much, or you feel “frozen” without knowing what to do… then it’s time to explore options.   And a disclaimer: I won’t pretend to be a credit counseling expert and I encourage you to seek professional assistance. But I do have the experience and knowledge to offer some insight and direction, along with links to resources that may be helpful.最重要的第一步是使一个诚实的评价，您的具体情况。换句话说，作出实事求是的分析您的预算…看看收入和支出，详细地看到，您的立场，如果你知道内务付款简直是太多，或者您觉得“冻结”不知道该怎么办…那么，它的时间去探索的选择。及免责声明：我不会假装是一个信用咨询专家和我鼓励你们要寻求专业协助，但我确有经验和知识，提供一些见解和方向，随着资源链接可能有帮助。

If you’re reading this and concerned about your situation, you obviously are on the right track.  Whatever you do, don’t give in to destructive thoughts or actions that will simply make things a lot worse for everyone.  In some cases, believe it or not, people are relieved by foreclosure and see it as a way to start fresh again.  With the burden of an overwhelming debt situation gone, one can start again and move forward.  Let’s assume you are facing the prospect of foreclosure, and want to approach the situation rationally, looking for solutions.  If we also first assume we want to stay in our home (not everyone does), then there are some prudent steps to take:如果您正在阅读，这和关心您的情况下，您显然是上正轨。不管您怎么做， 不给在破坏性的想法或行动 ，只会使事情更糟了很多大家在某些情况下，相信它或没有，人们感到宽慰由赎和看到它作为一种新的开始再次与负担，以压倒性的债务情况消失后，可以重新开始，向前迈进，让我们假定你所面对的前景赎，并想办法的情况，理性，寻求解决办法。如果我们也首先假设我们希望留在我们的家 （不是每个人都一样） ，然后有一些审慎的要采取的步骤：

1.  Face up to the problem. Makes sense… sometimes we simply try to ignore something we don’t want to deal with, or we procrastinate, thinking “it will all work out.”  Maybe, but don’t count on it.  It’s important to think positively, but it’s also important to take action.  There is no time like the present… so don’t ignore potential problems.  If you are falling behind on debt, then it will become that much harder to fix the problem later on.  Deal with it now. 1 。正视问题。有意义…有时候，我们只需设法忽略的东西，我们不想处理，或拖延我们，思想“ ，这是一切工作的出， ”也许，但不要指望得到它。更重要的思考，积极，但一点也很重要，采取行动是有没有时间一样，目前的…因此，不要忽视潜在的问题。如果你是落后的关于债务问题，那么它将成为这更难解决此问题，稍后。对付它的现在。

2.  Consider Financial or Housing Counseling. If you’re not sure you have a problem yet, but you’re having a difficult time keeping up with house payments and staying within the budget, there are some excellent (and awful) credit counseling agencies that can help you figure out how to maximize your income and manage money.  Find a legitimate organization such as the Consumer Credit Counseling Service .  Check with the National Foundation for Credit Counseling’s DebtAdvice.org Locator and find a competent local agency.  Do not run out and sign up with just any “fly-by-night” credit counseling outfit.  There are some very poor companies out there that make money by signing people up for “counseling” or “debt reduction” or ”credit repair” programs that will not help your situation. 2 。考虑财政或房屋辅导。如果您不知道您有一个问题，但您有困难的时候保持与内务付款和下榻的内部预算，也有一些优秀的（可怕的）信用咨询机构可以帮助您弄清楚如何最大限度地提高您的收入和管理金钱。找到一个合法的组织，如消费者信用咨询服务 。检查与全国的基础信用咨询的debtadvice.org定位并找到一个称职的地方机构。 不一发不可收拾，并签署了与刚才的任何“飞逐之夜”信用咨询装备。有一些非常差的公司列在那里，赚钱签署人，为“咨商”或“债务减免”或“信用修复”程序不会帮助您的具体情况。

• Take a look at this excellent factsheet from the Federal Trade Commission .  It talks about scams and considerations before signing up with some agency you know little about.   When it does become time to really find financial counseling assistance, find a legitimate agency. 考虑一下这个绝佳factsheet来自美国联邦贸易委员会 ，它的会谈约诈骗及其他的考虑，在签约前与一些机构，你知之不多，当它成为的时间，要真正找到财务咨询援助，找到一个合法的机构。
• Check this page at the US Trustee Program from the Department of Justice for a list of approved credit counseling agencies for each state.  Search your state or local area and try to find an agency you can visit in person. 查看此网页在美国计划的受托人，由律政司的一个名单，核准的信用咨询机构 ，为每一个国家。搜寻您的国家或地方的面积和尝试找出一个机构，您可以访问的人。
• The US Department of Housing and Urban Development also funds low-cost housing counseling .  It may or may not be available in your area, but that is another option.  In some cases, they can even speak to lenders. 美国商务部的住房和城市发展也资金低成本住房辅导 。它可能是也可能不是可在您的领域，但这是另一种选择。在某些情况下，他们甚至可以发言，向放款人。
• If your income and credit situation allows, it may be best to refinance your mortgage.  A fixed rate loan will allow you to have a predictable mortgage payment for the life of your loan.  Understandably, your income and/or housing situation may not make refinancing feasible.  Often, other lenders or local banks may be your best bet for refinancing.如果您的收入和信用状况允许的话，也许最好再融资您的按揭。固定利率贷款将可让您有一个可预见的按揭付款的生活，您的贷款。理解的是，你的收入和/或房屋的情况可能不会再融资可行的。往往与其他贷款或本地银行可能是最好的再融资。
• Find ways to increase your income if possible.  Can family members help?  Consider selling items you don’t need, and lower your total monthly expenses.  Yet working at two jobs, or selling all your assets may not be the best thing to do over time.设法增加你的收入可能的话，可以家庭成员的帮助？考虑出售的物品则不需要，降低您的每月总开支，但工作在两个职位，或出售您的所有资产，未必是最好的事超过时间。 Also consider selling the home, and downsizing into a home, and mortgage payment, that is more affordable if possible.也考虑出售家里，和缩编成一个家，和按揭付款，这是更可能的话，负担得起的。
• If you are behind on debt payments, the mortgage comes first!  In other words, if you’re going to be behind on payments of some kind, don’t pay your credit cards.  Why?  Because most credit card debt is “unsecured debt” and they cannot (depending on state law) take your home or property from you if you are late making payments.  Car loans are also “secured” debt and creditors can typically “repossess” your car.   But some creditors may call and threaten or harass you… if it’s for unsecured credit card debt however, that is the last debt you pay.  Take care of essentials first: Groceries, Utilities, Health needs and Mortgage payment.  But cut back where you can…如果你是落后于偿还债务，按揭至上！在其他换言之，如果您要落后于支付某种形式的，不支付您的信用卡，为什么呢？因为大部份的信用卡债务是“无担保债务“他们不能（视国家法律）采取您的首页或财产从你如果你是晚付款。汽车贷款也有”安全“的债务和债权人通常可以” repossess “你的车，但一些债权人可致电和威胁或骚扰，你… …如果它的无抵押信用卡债务不过，这是你最后的债务支付。照顾要点第一：杂货，公用事业，卫生需求和按揭付款。削减，但回到这里您可以…

3.  You’re really concerned, or having trouble making house payments , no bones about it?   Then you must call your lender as soon as possible. 3 。您真的关心，或遇到困难，使内务付款 ，没有骨头，约呢？那么你必须打电话给你的贷款人尽快进行。

250 Questions You Should Ask to Avoid Foreclosure 250的问题你应该问，以避免赎

BUT!  Do your homework first. Know your Mortgage Rights.  Prepare for the call and conversation. The bank or loan servicer does not want your home… they want you to keep making payments.  Many loan companies are making a renewed effort to work with consumers facing financial difficulty.   Be proactive, ask questions, and try and arrange a viable solution.  It may not always work however, and with some loans the lender is not able to modify the loan terms. 但！做您的功课第一。知道你的抵押权。准备的呼吁，和交谈。银行或贷款的服务器不希望您的家庭… …他们希望你们继续付款，许多贷款公司正在重新努力的工作与消费者所面临的财政困难。积极主动，提出问题，并尝试，并安排一个可行的解决办法。它可能并不总是工作，然而，与一些贷款，贷款人是无法修改的贷款条件。

It’s important to pursue all options:更重要的追求，所有选项：

• Review your loan documents in detail so you understand them before you call.  Make sure you read the terms of your loan agreement, and prepare to ask questions if you need more information审查您的贷款文件，详细，让您了解他们之前，您呼叫。请务必阅读条款，您的贷款协议，并准备发问，如果您需要更多信息
• Review the foreclosure laws in your state.  Each state has different timeframes and things lenders can and cannot do regarding foreclosure.  If you don’t know your foreclosure laws, you won’t understand the timeline or how much time you have to take certain actions.检讨赎法律在您的国家，每个国家有不同的时间和事情，放款人可以和不可以做的就赎，如果您不知道您的赎法律，你会不明白，时间或多少时间，你必须采取某些行动。
• Make a list of your reasons for falling behind.  Income change or job loss?  Sickness or change in family situation?  How have you tried to manage the situation?  What other income or assets do you have available?  How long do you think this income situation will go on?  What do you ultimately want to happen?  Do you want to keep your home?  What kind of payments can you make each month?作出的名单您的原因，有如逆水行舟，不进则退。收入，改变或失去工作？疾病或改变，家庭状况如何，你试图管理的情况，什么其他的收入或资产的你是否有可供选择？多久，你认为这个收入情况将继续下去呢？你有什么最终要发生的呢？你想不想让您的家？什么样的支付可以使每个月的？
• You may be able to establish a “workout plan” with your lender.  This is basically a new plan for how you will pay your mortgage.  It may be temporary, or for a longer period, but does not change your committment to the loan debt.  It simply is an arrangement to help you pay your mortgage until your income improves.您可以建立一个“作业计划”与您的贷款，这基本上是一个新的计划，您将如何支付你的抵押贷款，这可能是暂时的，或为一段较长时间，但不会改变您的承诺，贷款债务它根本是一种安排，以帮助您支付您的按揭贷款，直到您的收入提高。
• Keep good records of any communication with your lender or loan servicer.  Ask for names, and write down times and dates.  If you ask for something, or they ask for something, then respond with a letter after the phone call to confirm and re-state the situation and expectations on both sides.  When you send the letter, use registered mail, with a return receipt.保持良好的纪录，任何的沟通与您的贷款人或贷款服务器。要求的名字，写下来的时间和日期。如果你问的东西，或他们要求的东西，然后作出回应，与信后，打电话给确认和重新国家的有关情况，并期望双方的。当您发送这封信，请使用挂号信，一个回执。
• If you want to keep and stay in your home, do not move out!  If you move out or try to rent the home, it will no longer qualify as a “principal residence” and your lender may not work with you any further on payment arrangements.  In fact, it will probably be classified as an “investment property” and be more difficult to arrange payment plans or to refinance.如果您想要保留，并留在家里，不迁出！如果您迁出，或尝试租的住所，将不再有资格作为一个“主要居住地”和你的贷款人可能无法正常工作与您的任何进一步对付款安排。事实上，它可能会被列为“投资物业”和更难以安排付款计划或再融资。
• Remember that your lender has a host of laws and legal requirements to comply with.  Don’t tolerate abusive phone calls with loan service personnel.  Ask for a supervisor if you are not getting anywhere on the phone.  If you have an attorney, have them send a letter to the loan servicer’s management and customer service divisions.请记住，您的贷款人有一个东道国的法律和法律规定，以遵守。不会容忍辱骂电话，与贷款服务人员。要求主管如果您没有收到任何地方的电话，如果你有一个律师，他们写信给贷款服务器的管理和客户服务部门。

4. If you do not want to keep your home , or if you’re ready to get out from under the debt of home ownership: 4 。如果您不想让您的首页 ，或者如果您准备好要摆脱下的债务居者有其屋：

• Consider selling your home.  Many are already doing so in today’s markets, but it’s difficult to find a buyer. Do everything you can to make your home attractive to a buyer , including a low asking price.  This is no time to haggle over prices or pride, or to worry what your neighbors will think.  It’s your life… take charge, make your decisions and move on.考虑出售您的家庭，许多已经这样做在今天的市场，但它很难找到买主。竭尽所能，您可以让您的首页有吸引力的买家 ，包括一个低的要价，这是没有时间去无休止的纠缠与价格或骄傲，或担心什么你的邻居会认为，这是你的生活…负责，使您的决定，并继续前进。
• Consider a “short sale” or “fire sale” where you allow someone to buy the house at a much lower price.  That would be difficult to do, but depending on your situation, it’s something to consider.  Remember, if the sale doesn’t pay off the loan, you will still be responsible for the remainder of the debt with your lender or loan servicer.  It may be less, but you’ll still owe the money even though you are no longer in the home.考虑“卖空交易”或“消防出售” ，而你容许有人买房子，在低得多的价格，这将是困难的事，但根据您的具体情况，它的一些考虑。记住，如果出售不还清贷款，你仍然会负责其余的债务与您的贷款人或贷款服务器，它可能较少，但是，您还欠的钱，即使你不再是在家庭中。
• Deed in Lieu of Foreclosure: Basically, you just sign over your deed to the bank or lender, if they agree not to foreclose and/or as payment for the debt you owe.  It may only be for partial payment… but consider getting a real estate lawyer to help with this process and ensure your best interest.契约在代赎：基本上，您只需登录您的契约，向银行或贷款人，如果他们同意不预先和/或付款的债务，你欠它可能只对部分付款… …但考虑获得一个真正的地产律师，以协助这一进程，并确保您的最佳利益。

5. Be careful of scam artists who may approach you with fantastic solutions to your problem.  See # 2 above.  If you haven’t talked with a legitimate credit counseling firm, now may be the time to do so.  Make sure they are legitimate!  If you have been working with a credit counseling company, maybe it’s time to review your situation.  But stay alert for scams.  When you’re in a tough situation, many things sound good that you may not have considered before.  Don’t let your guard down, and make sure you know who or what company you are becoming involved with. 5 。小心诈骗者谁可能的做法，你奇妙的解决方案，您的问题。见＃ 2以上。如果您还没有跟一个合法的信用咨询公司，现在可能是时间去这样做。确保他们是合法的如果您一直致力于与信用咨询公司，也许它的时间来审查您的具体情况，但保持警觉，为诈骗。当您在一个严峻的局面，很多事情听起来不错，你可能没有考虑之前。唐'吨，让您的警惕，并确保你知道是谁或什么公司，你正在成为参与。

6. 6 。 Use Your Assets? What about Bankruptcy? Many people recommend using any or all of your available assets to generate income and keep making payments on your home.  But let’s say you know you will go through foreclosure and are considering bankruptcy. It may or may not be possible depending on your income and asssets. 使用您的资产？什么破产？很多人推荐使用任何或所有您的现有资产产生的收入和保持支付对您的家庭，但让我们说，你知道你会经过赎，并正考虑破产，它可能或可能无法根据您的收入和asssets 。

The key about bankruptcy is that once officially filed, it immediately (but perhaps temporarily) stops the foreclosure process until the bankruptcy court and debt repayment agreements are established.  In other words, it gives you more time.  It may not keep your home from foreclosure.  We won’t go into the details regarding bankruptcy here, but there does come a time when paying money toward your mortgage may not benefit you in the long run.  Depending on your state’s laws and the type of bankruptcy, it may be in your best interest to save the money you have on hand for living expenses and other needs.  Only you can determine this, but if you are going through bankruptcy, giving your lender all of  your assets may leave you with fewer options.关键关于破产的是，一旦正式提交，它会立即（但或许暂时）停止赎过程，直到破产法庭和偿还债务的协议是成立的。换句话说，它可以让您有更多的时间，它可能不会让您的首页从赎我们不会进入细节方面的破产在这里，但有不来的时候，付出的金钱对你的按揭未必有利于你在长远来说，根据您的国家的法律和类型的破产，它可能在您的最佳利益为节省钱，你手头上生活费用和其他方面的需要。只有你才能确定这一点，但如果你正在经历破产，使您的贷款您所有的资产可能会离开你较少的选项。

If you are considering bankruptcy, e nsure you speak with a competent bankruptcy attorney , and work with a legitimate financial or credit counselor to explore this situation. There are many non-profit agencies that can help as well, such as the Housing Opportunities Collaborative in San Diego, California.  Their services may only be local, but there are probably similar organizations in your area.  But again, be careful of scam artists, even with bankruptcy! This article talks about how foreclosure scams are on the rise , and CNN/Money talks about Rescue Scams to avoid.  Finally, read this Consumer Alert from the US Trustee Program about Mortgage Foreclosure Scams.如果您正在考虑破产，电子商务nsure你发言，与一个称职的破产律师 ，和工作，用合法的金融或信用参赞探讨这种情况下，有许多非营利性机构，可以帮助为好，如房屋的机会，合作在加利福尼亚州圣地亚哥，他们的服务可能只是本地，但也有可能是类似的组织在您的地区，但再次，要小心的诈骗者，即使破产！ 此文章会谈有关如何赎诈欺逐渐增多 ，和有线电视新闻网/钱谈拯救诈骗 ，以避免。最后，阅读此提醒消费者从美国信托计划约按揭赎诈骗。

7. 7 。 Stay positive and take care of yourself and your family! Life is full of challenges, both personal and professional.  Try to keep things in perspective and remember your long-term goals.  Life is nothing if not full of change, and we must change as well.  Take care of yourself and your family, and have faith that things will get better over time.  Talk with a counselor or member of the clergy if desired.  You are not alone! Others are facing the same challenges. And Clark Howard even talks about how foreclosure might be avoidable . There are countless others who are going through a similar situation.  You can get through it, and one day you will be moving forward in a new direction.  I wish you the best as you work with a challenging situation. 保持积极和照顾自己和你的家人！生命是充满挑战，无论是个人和专业。尽可能保持的东西，在角度和记住您的长远目标。生命是什么，如果没有充分的改变，我们必须改变作为以及。照顾你和你的家庭，和有信心，事情会得到更好的一段时间。对话与咨商或会员的神职人员如果想要的，你并不孤单！ 别人都面临着同样的挑战。和克拉克霍华德 ，甚至会谈有关如何赎可能是可以避免的 。有无数其他谁正在经历一个类似的情况。你可以通过它，有一天你将向前迈进的一个新方向，我想您最好在您工作时，与一个具有挑战性的情况。

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