I wrote a post recently titled, "Are theUnemployed Lazy?" and received aheartfelt comment from @AlekKirstein.He shares his situation and his fears. He'sliving on the edge, and feels like he isabout to fall off at any moment.Unfortunately, @AlekKirstein is not alone.There are literally millions of hardworkingpeople have become victims of thiseconomic crisis. If you were living on theedge and then, because of a layoff orother event, find yourself pushed over theedge, you must take immediate action. Ishared these tips and a few others with@AlekKirstein and I want to share themwith you to:
HOPE NOW is an alliance between HUD approvedcounseling agents, mortgage companies, investors and othermortgage market participants that provides free foreclosureprevention assistance (www.hopenow.com).
Obviously, this is not a first choice, but sometimesit's the only choice. Don't expect to get a fair opinion from abankruptcy attorney or similar service since they have a vestedinterest in you filing for bankruptcy. If you can scrape together$75 or $100, spend an hour with a fee-only financial advisor whocan run some figures and let you know if it makes sense or not.You can find an hourly financial advisor through the GarrettPlanning Network atwww.garrettplanning.com.