Testimonial from Judy

J: My first name is Judy, and I live in Allen County,

JE: Ok, and how did you hear about Program 3648 and your certified Program 3648 representative?

J: I seen it on TV about helpin out, and I went online and filled out a thing, and they’re the ones that put me in contact with them.

JE: Ok, so you heard about some foreclosure help on television you and went online and googled it and you probably came across the Program 3648 website, filled out the information and Mark called you then.

J: Yes

JE: OK, good.  What happened?  How did you get into your situation?

J: My husband passed away, and I just couldn’t pay everything, the house, the car, the insurance, eat, heat, and I just couldn’t do it all.  I mean, you go from two incomes, everythings set up for two incomes to one and I just couldn’t do it all on what I was making.

JE: Well, I understand.  When Mark came out and visited with you at your home for the first time, how much better did you feel about your situation after speaking with him?

J: Well actually I was kind of scared and sad that I was going to lose the house, since I’ve been here since ’79.

JE: Oh, wow yeah.

J: But, I knew didn’t want it to go into foreclosure my credit wasn’t good anyway, and I didn’t want it to go any further, to some day maybe be able to buy another house, but I felt better about it, that I wasn’t just going to give it to the banks and me just be out on the street.  I felt better that it wasn’t going to ruin my credit anymore and that maybe I could get things worked out.

JE: How did it feel to have somebody like Mark coming in and being able to work on the problem for you so that you didn’t have to worry about it?

J: He was super, I mean just super.  Just explained everything to me, I didn’t ask a question that he didn’t explain to me that I understood it and how it worked and everything and then I didn’t have to worry about it after that, he took care of everything.  And I just, it was very relieving knowing it was going to get taken care of and I didn’t have to worry about seeing other than getting him the documentation that I needed to give that I had.  And I didn’t have to worry about it, he was very very helpful very knowledgeable about what to do and how to do it, and I am very grateful, he was very understanding and very nice.

JE: That’s great, that’s good to hear.  So, you may have touched on this a little bit, but what did you like most about your representative and the service that you received from him?

J: He didn’t make me feel like he was better than me, he didn’t make me feel like that he was here to take everything away, he just made me feel comfortable, he made me feel like my next door neighbor helping me out.

JE: Yeah, that’s good.  Now, once your foreclosure situation had been completely resolved, how did you feel once it was all done and obviously there’s probably some mixed emotions there but also knowing that he did all that work and it was at no cost to you?

J: It was great, plus I got some money back.

JE: Oh did you?

J: Yeah.

JE: Good.

J: It was great, it really was, it was just, I had no idea I was going to get any money back.

JE: The bank gave you some money back to help you?

J: Yeah, it was a load off my mind that I didn’t have to worry about you know, are they going to come in and foreclose tomorrow, am I going to lose everything, am I going to be out on the street not knowing where I’m going?  It was very very helpful.  And I told a couple friends about it, I don’t know if they you know, that was in the same, one of em I tried to get her to do it, but she waited too late and they foreclosed on her.

JE: Oooh, yeah.  Well good, well what would be your recommendation to other homeowners that might be considering doing a short sale by using a Program 3648 representative?

J: Not to wait too late.  If you’re at the stage that you’re going to lose your home anyway, why would you want to go into the foreclosure?  I mean, it’s just, that’s what I kept telling my friend, don’t let it go that far, go ahead and do what you gotta do now, cuz you know you’re going to have to move, you know you’re going to lose it anyway, so why go to the point that you know, that it’s, of course, everybody was scared that you gotta turn that in on your income taxes and stuff like that, but my tax person tells me that because of how long I’ve been in the house, I don’t know there’s a new thing how they file it and everything.  As long as I’ve been in the house and everything there’s a tax break for that.

JE: Well, actually Program 3648 was named after H.R. 3648 which was legislation passed by the federal government that states that no longer can the portion of your mortgage that they forgive be taxed.  So, there is no tax to that at all and you don’t have to turn it in to be taxed.

J: Well, that’s wonderful.

JE: Yeah, so you don’t have to worry about that at all.

J: That’s wonderful.

JE: Well Judy, I’m glad that we were able to be a small part of helping you and that your representative treated you with dignity and respect and helped you through the process.

J: And when I’ve told other people about it I’ve told em “Call Mark, this is who you need to call, he’ll help you with the rest of it”

JE: Yeah, he’s a great guy, we get a lot of feedback from a lot of the homeowners that he helps and…

J: He is, he is a super guy.

JE: Well that’s great, well Judy, I appreciate your time and I wish you the best.

J: Thank you.

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