When times get really tough and ugly and you just cannot afford your housing payment anymore, it might just be time to cut your losses and sell your home. This may be your last resort and your only remaining option. Home owners will need to review their income and outgoing expenses and figure out where they stand financially. Each month you get behind, the harder it becomes to catch up. By talking to one of our representatives, you can consult with them about your current situation. Foreclosure starts when you get behind on your Mortgage. First Legal Group, P.A.'s services provided for foreclosure are extremely aggressive and successful, but these will only work if you can afford the mortgage payments and other expenses you have. Foreclosure has a largely adverse impact on your credit. Foreclosures will make it extremely difficult to finance another home in the near future. You want to avoid foreclosure as much as we want to help you. One of the final desperate moves in order to avoid foreclosure when you're unable to make the payments is selling the home. People who want to avoid foreclosure and cannot make their monthly payments, usually have 3 options in most cases. They can try to sell their home by listing it with a Real Estate Agent, negotiating a short sale, or a Deed-in-Lieu. We have established relationships with companies that specialize in selling pre-foreclosure homes and short sales. In most cases, if the process is begun early enough, a foreclosure can be prevented.