do it yourself - loan modification ebook pub2009 ver2

8/14/2019 Do It Yourself - Loan Modification eBook Pub2009 Ver2

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9/115


GH@SQB[ T \h`q Ow @ Nf`j Ifaodog`qofj

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10/115


Nf`j Ifaodog`qofj Ftb{tob|

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11/115


_fr afjq |`jq qf w`y df{ gb{qòj yfr{b hbàba qf df{bgnfwr{b kbg`rwb nbjab{w afjq nomb|`wqojl qoib |oqh nfwq g`rwbw. krq yfr af |`jq qf i`mb oq gnb`{ qf qhbi qh`q qhb s{fknbiow tb{y wb{ofrw `ja jbbaw `j oiibao`qb wfnrqofj*

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12/115


GH@SQB[ TO Nf`j Ifaodog`qofj Gfis`jobw

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13/115


Kbdf{b |f{mojl |oqh boqhb{ gfis`jy oq ow oisf{q`jq qf af yfr{ {bwb`{gh* I`mb wr{b nf`jifaodog`qofjw ow ojabba |h`q qhby wsbgo`noub oj* Od |f{mojl |oqh `j `qqf{jby i`mb wr{bqhby wsbgo`nouba oj [BWS@. QON@. `ja fqhb{ s{ba`qf{y nbjaojl s{of{ qf qhb kblojjojl fdqhb hfrwojl i`{mbq g{`wh*

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14/115


GH@SQB[ TOO \h`q Ow @ Df{bjwog Nf`j @raoq

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15/115


Qhb Q{rqh oj Nbjaojl @gq (QON@/

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16/115


GH@SQB[ TOOO Hf| Qf Ab`n \oqh _fr{ Nbjab{

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17/115


S qobjq sb{wowqbjgb sob{gbw qh{frlh ojaoddb{bjgb= lbjqnb wsbbgh k{b`mw af|j {oloaabdbjwbw* (S{ftb{kw ;2502 QI/

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18/115


GH@SQB[ OX K`jm{rsqgy Ojdf{i`qofj

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19/115


GH@SQB[ X Kb|`{b fd Df{bgnfwr{b Wgìw

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20/115


GH@SQB[ XO \h`q Ow Qhb Df{bgnfwr{b S{fgbww

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21/115


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Jfj)eraogo`n df{bgnfwr{b ow |hbj ` sf|b{ fd w`nb gn`rwb bxowqw oj ` if{ql`lb f{ abba fdq{rwq* @ +sf|b{ fd w`nb+ gn`rwb ow qhb gn`rwb oj ` abba fd q{rwq f{ if{ql`lb. oj |hogh qhbkf{{f|b{ s{b)`rqhf{oubw qhb w`nb fd s{fsb{qy qf s`y fdd qhb k`n`jgb fj ` nf`j oj qhb btbjqfd abd`rnq* Oj abbaw fd q{rwq f{ if{ql`lbw |hb{b ` sf|b{ fd w`nb bxowqw. qhb sf|b{ lotbjqf qhb nbjab{ qf wbnn qhb s{fsb{qy i`y kb bxbgrqba ky qhb nbjab{ f{ qhbo{ {bs{bwbjq`qotb.qysog`nny {bdb{{ba qf `w qhb q{rwqbb*


22/115


Qhb ifibjq yfr dbbn yfr `{b d`nnojl kbhoja oq ow `n|`yw kbwq qf `gq d`wq. afjq abn`y*Qysog`nny qhb wffjb{ yfr g`qgh qhb s{fknbi qhb kbqqb{ yfr{ gh`jgbw fd {bgbotojl ` nf`jifaodog`qofj* Fjgb ` df{bgnfwr{b w`nb a`qb ow wbq. ` nf`j ifaodog`qofj ow aoddogrnq qf fkq`oj*

@n k`i` 1?)


23/115


@ddbgqw fd Df{bgnfwr{b5

Aoddogrnqy {bjqojl `j `s`{qibjq ) N`janf{aw i`y abbi yfr `w ` holhb{ {owm fds`yojl {bjq i`mojl yfr ` holhb{ {owm fd h`tojl qf donb btogqofj s{fgbbaojlw*

Oj`konoqy qf fkqòj doj`jgojl oj qhb drqr{b ) ([bdb{ qf GH@SQB[ O/ @ df{bgnfwr{bg`j abwq{fy yfr{ g{baoq s{fdonb. |hogh i`y {bwrnq oj abgnojba g{baoq f{ holhb{

ojqb{bwq {`qbw* Ojg{b`wba ojwr{`jgb s{bioriw ) G{baoq ow fjb fd qhb {owm l{àbw oj abqb{iojojl

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Nfww Ioqol`qofj

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24/115


GH@SQB[ XOO Hfibf|jb{ @ddf{a`konoqy `ja Wq`konoqy Sn`j

Qhb Nf`j Ifaodog`qofj s`{q fd qhb Hfibf|jb{ @ddf{a`konoqy `ja Wq`konoqy Sn`j mjf|j `w

H@WS nblown`qofj ojtfntbw `wwowqojl hfibf|jb{w qh`q |onn jfq kb `knb qf {bdoj`jgb krq `{bwqonn bxsb{objgojl doj`jgo`n aoddogrnqy*

I`mojl Hfib @ddf{a`knb ifaodog`qofjw `{b ojqbjaba df{ sbfsnb qh`q g`j jf nfjlb{ `ddf{aqhbo{ ifjqhny nf`j s`yibjqw krq wqonn abwo{b qf {biòj oj qhbo{ hfib* Oj f{ab{ qf pr`nody.qhb `ddf{a`konoqy fd yfr{ s`yibjq irwq h`tb kbbj ois`gqba ky ` h`{awhos*

@ h`{awhos qh`q i`y pr`nody df{ ifaodog`qofj gfrna ojgnrab. krq jfq kb noioqba qf. ` gh`jlboj yfr{ ojqb{bwq {`qb. abg{b`wba ojgfib. f{ ojg{b`wba bxsbjwbw {bn`qba qf owwrbw nombibaog`n bxsbjwbw. ojg{b`wba s{fsb{qy q`xbw `ja&f{ hù`{a ojwr{`jgb*

Qf pr`nody df{ ` ifaodog`qofj rjab{ qhb qb{iw fd qhb sn`j. yfr irwq kb `knb qf `jw|b{ ybwqf qhb dfnnf|ojl prbwqofjw5

0* Ow yfr{ hfib yfr{ s{oi`{y {bwoabjgb6;* Ow qhb ìfrjq yfr f|b fj yfr{ do{wq if{ql`lb bpr n f{ nbww qh`j


25/115


\h`q,w Jbbaba qf Pr`nody df{ qhb S{fl{ì6

Oj f{ab{ qf pr`nody. qhb hfibf|jb{ jbbaw qf mjf| qh`q drnn pr`nodog`qofj |onn kb jbbaba qfbjwr{b qhb kf{{f|b{ g`j ibbq qhb jb| s`yibjq* Qhow |onn ojgnrab wrssnyojl drnn ojgfibafgribjq qofj `ja aowgnfwr{b fd `wwbqw* Qhby |onn nwf kb {bpro{ba qf s{ftoabafgribjq`qofj s{ftojl qhb s{fsb{qy ow ` s{oi`{y {bwoabjgb* Qhow g`j ojgnrab tb{odog`qofj

qh{frlh ` g{baoq {bsf{q f{ fqhb{ afgribjq`qofj wrgh `w rqonoqy konnw*

Qf pr`nody df{ qhb ifaodog`qofj s{fl{ì. btoabjgb fd àaoqofj`n hfrwojl bxsbjwb oqbiw|onn kb {bpro{ba ojgnraojl g`{ nf`jw f{ nb`wbw. g{baoq g`{aw. wqrabjq nf`jw {blrn {hfrwbhfna bxsbjwbw `ja ` h`{awhos nbqqb{ abqònojl yfr{ woqr`qofj `ja oj`konoqy qf i`mbyfr{ s`yibjq*

Doj`nny. `nn nbjab{ `ja nf`j wb{togb{w, s`{qogos qofj ow tfnrjq {y* Erwq kbg`rwb qhbs{fl{ìw `{b jf| `tòn`knb afbw jfq lr`{`jqbb yfr |onn kb `knb qf doja {bnobd* Jfq `nnsbfsnb oj aowq{bwwba woqr`qofjw |onn kb hbnsba* Oj qhbwb g`wbw. qhb{b ow ` |bkwoqb abqònojlàaoqofj n fsqofjw qh`q g`j kb dfrja `q qhb lftb{jibjq |bkwoqb ky towoqojl

|||*doj`jgo`nwq`konoqy*lft*&i`mojlhfib`ddf{a`knb&fqhb{Vfsqofjw*hqin

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26/115


@wwriojl qh`q qhb f{oloj n nf`j h`w ;8 yb {w {bi ojojl. qhb k n`jgb |frna kb!0?0.03;*1< |hogh ow `wwriojl qh`q qhb kf{{f|b{ h`w jf abnojprbjq if{ql`lb s`yibjqwqh`q |frna h`tb qf kb àaba qf qhb bxowqojl nf`j k`n`jgb* Qhb nbjab{ |frna h`tb qf {b)ìf{qoub qhb nf`j qf ` 70 `q ;*3" qf {b`gh ` q`{lbq s`yibjq fd !0.382*33*

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27/115


GH@SQB[ XOOO Hfsb df{ Hfibf|jb{w

Qhb HFSB df{ Hfibf|jb{w (H1H/ s{fl{ì |`w g{b`qba ky Gfjl{bww qf hbns qhfwb `q

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0* Hfibf|jb{w i `y gfjq`gq qhbo{ bxowqojl nbjab{ `ja&f{ ` jb| nbjab{ qf aowgrwwhf| qf pr`nody `ja qhbo{ bnolokonoqy df{ qhow s{fl{ì*

;* Wb{togb{w |f{mojl |oqh q{frknba hfibf|jb{w i`y abqb{iojb qh`q qhb kbwq wfnrqofjdf{ `tfoaojl df{bgnfwr{b ow qf {bdoj`jgb qhb hfibf|jb{ ojqf ` HFSB df{Hfibf|jb{w nf`j*

7* F{oloj`qojl nbjab{w |hf `{b nffmojl df{ |`yw qf {bdoj`jgb sfqbjqo n grwqfib{w frqd{fi rjab{ qhbo{ holh)gfwq nf`jw `ja&f{ |hf `{b |onnojl qf |f{m |oqh wb{togb{w qf`wwowq aowq{bwwba hfibf|jb{w*

1* Gfrjwbnf{w |hf `{b |f{mojl |oqh q{frknba hfibf|jb{w `ja qhbo{ nbjab{w qf {b`gh` irqr`nny `l{bb`knb wfnrqofj df{ `tfoaojl df{bgnfwr{b*

Wqbs 05 Gfwq)Kbjbdoq @j`nywow

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0* @ddf{a`konoqy tb{wrw t`nrb5 nbjab{w |onn q`mb ` nfww fj qhb aoddb{bjgb kbq|bbj qhbbxowqojl fknol`qofjw `ja qhb jb| nf`j. |hogh ow wbq `q ?4*2 sb{gbjq fd gr{{bjq`ss{ owba t`nrb* Qhb nbjab{ i`y ghffwb qf s{ftoab hfibf|jb{w |oqh `j`ddf{a`knb ifjqhny if{ql`lb s`yibjq qh{frlh ` nf`j ifaodog`qofj {`qhb{ qh`j`ggbsqojl qhb nfwwbw `wwfgo`qba |oqh abgnojojl s{fsb{qy t`nrbw*

;* Kf{{f|b{ bnolokonoqy5 Nbjab{w qh q abqb{iojb qhb H1H s{fl{ì ow ` db`woknb `jabddbgqotb fsqofj df{ ioqol`qojl nfwwbw |onn `wwbww qhb hfibf|jb{w bnolokonoqy df{ qhbs{fl{ì5

S`{ìbqb{w5

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Qhb hfibf|jb{ aoa jfq ojqbjqofj`nny abd`rnq. afbw jfq h`tb `j f|jb{whosojqb{bwq oj fqhb{ {bwoabjqo`n {b`n bwq`qb `ja h`w jfq kbbj gfjtogqba fd d{`ra


28/115


oj qhb n`wq 03 yb`{w rjab{ Dbab{`n `ja wq`qb n`|= `ja

Qhb hfibf|jb{ aoa jfq s{ftoab i`qb{o nny d`nwb ojdf{i`qofj (b*l*. noba`kfrq ojgfib/ qf fkqòj qhb if{ql`lb qh`q ow kbojl {bdoj`jgba ojqf qhb H1Hif{ql`lb*

Gfjwrib{ gfjwoab{`qofjw5

Qhb nbjab{ |onn aowgnfwb qf qhb hfibf|jb{ qhb kbjbdoqw fd qhb s{fl{ì5hqqs5&&sf{q`n*hra*lft&snw&sf{q`n&afgw&S@LB&DH@VHFIB&GFJWRIB[W&HVDF[VHVGFJWRIB[VAOWGNFWR[BV@JAVGB[QODOG@QOFJ&?;?02)H1H*SAD

Hfib {bqbjqofj Jb| `ddf{a`knb if{ql`lb k`wba fj gr{{bjq `ss{òwba t`nrb

7*2 sb{gbjq bproqy

Qhb nbjab{ |onn `nwf aowgnfwb qf qhb hfibf|jb{ qhb gfwqw fd qhb s{fl{ì5

7 sb{gbjq rsd{fjq if{ql`lb ojwr{`jgb s{biori `ja ` 0*2 sb{gbjq `jjr`ns{biori

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Wqbs ;5 Jblfqo`qofjw Kbq|bbj Kf{{f|b{w `ja Nobj Hfnab{w

Od qhb nbjab{ {bdoj`jgojl qhb nf`j afbw jfq hfna qhb wbjof{ if{ql`lb nobj. oq |onn jbba qfwbgr{b `j `l{bbibjq d{fi qhb bxowqojl nobj hfnab{ qf |òtb `nn s{bs`yibjq sbj`nqobw `jaabd`rnq dbbw fj qhb bxowqojl nf`j `ja `ggbsq qhb nf`j s{fgbbaw d{fi qhb H1H nf`j `ws`yibjq oj drnn* Qhb nf`j ìfrjq (ojgnraojl qhb 7 sb{gbjq RDIOS/ df{ qhb jb| H1H nf`jg`jjfq bxgbba ?4*2 sb{gbjq fd qhb gr{{bjq `ss{òwba t`nrb fd qhb s{fsb{qy*

Qhb nbjab{ |onn bjl`lb bxowqojl wrkf{aoj`qb if{ql`lb nobj hfnab{w qf bxqojlrowh `nnwrkf{aoj`qb nobjw fj qhb wrkebgq s{fsb{qy* Qf bjqogb wrkf{aoj`qb nobj hfnab{w qfs`{qogos`qb oj qhb jblfqo`qofj s{fgbww `ja {bnb`wb qhbo{ nobjw. DH@ h`w qhb `rqhf{oqy qfwh`{b oqw drqr{b `ss{bgo`qofj bjqoqnbibjq |oqh qhbi f{ fddb{ `j rsd{fjq s`yibjq fsqofj*

Wqbs 75 F{oloj`qojl `j H1H If{ql`lb

Qhb nbjab{ |onn pr`nody qhb hfibf|jb{ df{ qhb jb| H1H if{ql`lb rwojl qhb lroabnojbwbwq`knowhba rjab{ qhb qb{iw fd qhb s{fl{ìw rjoprb wq`qrqf{y {bpro{bibjqw. bjwr{ojlqhb hfibf|jb{ h`w qhb g`s`goqy qf i`mb qhb jb| s`yibjq fj qhb H1H if{ql`lb oj `qoibny i`jjb{*


29/115


Ar{ojl rjab{|{oqojl fd qhb nf`j. qhb nbjab{ |onn g`ngrn`qb qhb drqr{b `ss{bgo`qofj ojqb{bwqìfrjq f{ rsd{fjq s`yibjq df{ b`gh wrkf{aoj`qb nobj hfnab{ oj `ggf{a`jgb |oqhojwq{rgqofjw s{ftoaba ky DH@*

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|onn {bgbotb ` gb{qodog`qb qh`q btoabjgbw qhbo{ ojqb{bwq `w `j fknol`qofj k`gmba ky HRA.|oqh s`yibjq gfjaoqofj`n fj qhb t`nrb fd HRAw `ss{bgo`qofj wh`{b*

Dfnnf|ojl drjaojl fd qhb nf`j qhb nbjab{ |onn {bgf{a. oj àaoqofj qf qhb qysog`n wbgr{oqyojwq{ribjq `ja jfqb df{ qhb do{wq if{ql`lb. ` wh`{ba bproqy jfqb `ja if{ql`lb (WBI/`ja ` wh`{ba `ss{bgo`qofj jfqb `ja if{ql`lb (W@I/* Qhbwb if{ql`lbw |onn kb wb{togbaky DH@*

Qhb nbjab{ |onn `nwf wrkioq qhb jb| if{ql`lb df{ ojwr{`jgb qf DH@. gb{qodyojl qh`q oq h`wkbbj f{oloj`qba. rjab{|{oqqbj `ja gnfwba oj `ggf{a`jgb |oqh qhb H1H s{fl{ìlroabnojbw*

Wqbs 15 Drndonnojl H1H If{ql`lb Fknol`qofjw

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do it yourself - loan modification ebook pub2009 ver2

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