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Behind on Payments
Your checklist for asking your servicer for help.
Work through the calls to make, the papers to gather and the dates to write down. Your ticks save in this browser only.
Call your servicer
Gather your papers
Know your dates
Get help
Protect yourself
Your progress
Tick each step as you finish it. Your servicer's own list comes first: if it asks for something different, follow that list.
Why a checklist helps
Servicers review a request only when the application is complete, and missing papers cause delays. Gathering everything first and keeping notes on each call keeps your request moving.
Your servicer's list comes first
This list covers what servicers commonly ask for. Your servicer may ask for more or less. Use its application as the final word on what to send.
Questions about this tool
Is my progress saved?
Your ticks are saved in this browser on this device only. Nothing is sent to us.
Do I need every document?
Not necessarily. Your servicer's application lists exactly what it needs.
What if I am not a Texas resident?
The calls, papers and scam warnings apply anywhere. The foreclosure dates on our calendar are for Texas.
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Get the embed codeNot legal, tax or financial advice
These tools give general estimates from the numbers you enter. They do not replace advice from a Texas attorney, a CPA or a licensed lender. Captain Saves A Home buys houses, so we have an interest in a sale, and we will tell you honestly when another option fits better.