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How should I talk to my bank if I'm behind on payments?

When a borrower is behind on payments or even has any questions at all about the mortgage, the borrower should always address these concerns in writing- in a letter to the bank. If the borrower does not do that, a telephone call is not required to be answered by the bank. They don't have to get back. But with something in writing, they have to under law. So that you want to keep record of what communications you had with the bank by doing it in writing: very important, especially if you're going to have a defense later on. I'm Carl Pearson, a New York lawyer, and a fighter to keep people in their homes.

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attorney: Carl E. Person