San Bernardino and Riverside Counties


Debt Management

Many families are currently faced with overwhelming debt, from student loans, to credit card debit to high interest mortgages.

Use the following resources to learn how to manage your debt, avoid foreclosure and work with lenders to set up set to achieving a solid financial future. When dealing with overwhelming debt, make sure you know the different laws and other programs in place to protect you and your family, and avoid fraud. 


Avoiding Foreclosure

If you are having difficulty paying your mortgage on time or know you will have difficulty in the near future, call your lender! It's important to act now before you get so far behind in your payments you end up facing foreclosure. There are options available that may allow you to save your home. This article outlines tips to help you when dealing with your lender. 

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Is Foreclosure Knocking at Your Door?

The FDIC -- along with fellow regulators and the banking industry -- is working vigorously to help consumers and the banking industry avoid unnecessary foreclosures and stop foreclosure "rescue" scams that promise false hope to consumers at risk of losing their homes.  Banks that originate and service mortgage loans are encouraged to make prudent attempts to find solutions for homeowners having trouble making their mortgage payments.

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Home Foreclosure, Taxes and Debt Collection

Information about the 2007 debt forgiveness that generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualify for this relief. 

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