byAlma Abell

Foreclosure process starts when a homeowner fails to make his or her monthly payments. The mortgage company initiates the process by issuing a notice to foreclose to the homeowner who is behind his or her payments. Foreclosure is perhaps the most painful process that a homeowner can endure. Losing a home you have saved money for many years to buy is not something one can quantify, which is why threats of foreclosure must be handled immediately with the help of a foreclosure attorney.

When should one retain a lawyer to stop foreclosure or save a home? A foreclosure process can sometimes move very fast meaning that a homeowner should move with speed to hire a stop foreclosure attorney when he thinks his home is at risk of being foreclosed on. A formal foreclosure process commences when you receive a notice to foreclose, but you can start immediately you are aware of your inability to stay on top of your monthly payments.

Why a Foreclosure Attorney in Topeka KS Fits the Bill

When the notice to foreclose is finally issued to you, you certainly are stressed, anxious about the next action to take and are running up and down to look for ways to make your monthly payments. Therefore, you do not have the time or mind to focus on negotiating or fighting the foreclosure process to save your home. Consequently, you need a lawyer because he or she has a sober mind and capable of dedicating all her energy and time to tackle the lender with all available options to achieve your goal: to save your home and negotiate an affordable repayment plan that you can manage without straining.

How Lawyers Fight to Save Your Home

Foreclosure attorneys understand the legal rules that you may not know and are also aware that some lenders misinterpret the rules to intimidate distressed homeowners like you. By requesting your mortgage company for original contracts and other paperwork that ratified the loan, they are able to figure out clauses that may work to your advantage. In addition, this process slows down the foreclosure process and allows the attorney to find seek alternative solutions to foreclosure. If Visit website of a reputable law firm, you can find a Foreclosure Attorney in Topeka KS to negotiate for an amended repayment plan or request your lender to accept a short sale to help you recoup back the equity in your home.

By Michael Bryksa

FINDING AN APARTMENT STEP-BY-STEP GUIDE

A time comes in our lives when we have to pack our bags, say goodbye to our parents, and move to our own living space – an apartment. I know what you’re thinking. Why an apartment? A house is a much better investment. Sure, a house is a much better investment, but these days times are tough. Money’s hard to come by. And the growing population is forcing the government to encourage people to live in tightly-packed apartments to save limited land space. So for the meantime it’s best to look for a nice apartment to live in while you’re saving up for a house in the suburbs in the future.

Here are some tips on how to find a cheap apartment in Calgary.

1. Finding an apartment is not rocket science, but you at least need to be prepared. Write an “apartment renter’s resume” which includes information such as your previous addresses and landlord contact numbers (if you’ve rented before), and work-related details including your employer, length of employment, and monthly salary. You want to look good on paper if you want to stand out from other applicants, your competition.

2. Look for apartment rentals in the most obvious places. Read the newspaper classified, campus bulletin boards, apartment rental applications, even on the Internet. In fact, especially on the Internet. Also ask your friends for rental openings in their buildings.

3. Write down and compute how much you can afford. The general rule of thumb is 30%, more or less, of your monthly take-home income.

4. Enlist the services of a rental/lease agent to help you with your search. Depending on the location in Calgary, take note this is going to cost you additional fees or a small percentage of your rent when you find an apartment through this service.

5. Are you working on a really tight budget? You could call a roommate service to help you find someone to live with and share the rental fees. They’ll ask you what qualities you like or dislike in a roommate, such as smokers and etc., so make sure you give them as much information as possible.

ADDITIONAL TIPS AND WARNINGS

In addition, here are some things you need to keep in mind when looking for an apartment.

— Some apartment buildings allow pets, some don’t. If the landlord allows you to keep your pet don’t be surprised if you have to pay extra for it.

— It’s important to put in writing how soon you can expect your security deposit after you’ve moved out of the apartment. Some landlords like to drag their feet and this won’t work in your favor.

— Send a report to Calgary’s local housing office if you feel the landlord is refusing you out of ethnicity or sexual preferences.

Finding an apartment in Calgary is easy if you know what you’re doing right from the beginning. With these tips, it should be a piece of cake. Calgary is a great place if you’re especially looking for cheap and affordable apartments for rent.

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