Is there any way to get a loan modification to prevent foreclosure?

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What happens if I can't afford the payments for a loan modification?
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What kind of paperwork do I need to prepare for a foreclosure defense hearing?
Is there a way to prevent foreclosure without paying back the loan?
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Are there any laws that protect me from foreclosure?
What is the foreclosure process for mortgages with private lenders?
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How do I go about filing for bankruptcy to avoid foreclosure?

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