Please allow us to introduce ourselves. We are a housing counseling community service that provides assistance to those individuals who are in need in the prevention of foreclosure. The main purpose is to assist community area homeowners who are experiencing delinquent mortgage payments by stopping or avoiding the foreclosure process. If you are behind on your mortgage payments and it seems that all hope has gone in order for you to retain your home, we are ready and available to help.

We understand that hard working people sometimes encounter unforeseen circumstances and are unable to meet their financial obligations. It is not our policy to focus on why or how they are in dilemma, but we focus on the solution to end the problem. We have three basic qualifying questions. They are:

• Is your loan a FHA/HUD, VA, or Conventional?
• Are you and/or your spouse currently employed; and do you have other regular sources of income, such as Social Security benefits, retirement, etc.?
• Should your loan be reinstated, would you be able to keep this loan current, if you were not in arrears?

If you answer "yes" to all three questions, we can help you. Don't give up or do nothing and lose your home unnecessarily. Your situation is not impossible, although other companies have told you so. We are very confident of finding a remedy to the situation, and our fees are contingent upon resolving the problem. Call today for an appointment to see if you qualify. Our service is confidential and expertly guaranteed.

It has been our experience that most attorneys do not specialize in housing counseling and may not be aware that there are other financial options available to you, other than bankruptcy. In fact, our clientele have included attorneys referring those clients to us. We do not rush into giving in to bankruptcy. Rather, we exhaust all possible means in resolving the negativeness of your loan. We make available to you all options and give you the opportunity to work with us.

It only takes a moment by phone for us to assess your situation and explain our program and its advantages. Ninety-eight percent (98%) of our clients' delinquencies are resolved without having to pay the entire arrearage that your mortgage company is demanding from you.

Remember time is very critical, so make that phone call today! We are available 24 hours a day. We look forward to hearing from you. Thank you! Don't give up!!! We can help!!!