On the first and third Tuesday of every month, we open our doors for a FREE information workshop on foreclosure prevention and intervention. This workshop starts at 6:00pm and we are located at 20 Merrimack Street, Manchester, NH 03101, in downtown Manchester. If you are a homeowner experiencing financial difficulty, it is important to understand your options.

Our upcoming Free Foreclosure Prevention and Intervention Workshop
will be taking place on:

Date/Time	Register
August 3, 2010 - 6:00 PM	Register
August 17, 2010 - 6:00 PM	Register
September 7, 2010 - 6:00 PM	Register
September 21, 2010 - 6:00 PM	Register
October 5, 2010 - 6:00 PM	Register
October 19, 2010 - 6:00 PM	Register
November 2, 2010 - 6:00 PM	Register
November 16, 2010 - 6:00 PM	Register
December 7, 2010 - 6:00 PM	Register
December 21, 2010 - 6:00 PM	Register

In the workshop, you will learn:

1. Steps to take to avoid foreclosure
2. Workout options, including short sales and mortgage loan modifications
3. The loss mitigation process and documentation required
4. The foreclosure timeline in the State of New Hampshire
5. How to avoid scams and predatory lending practices
6. Information about President Obama’s “Making Home Affordable Plan”
7. How to write a financial hardship letter and prepare a household budget

If after attending the seminar, you feel you need additional assistance, NWGM offers confidential, one-on-one counseling to help you to review your current financial situation and to develop a workable plan to meet your needs.

In your counseling session, our counselor will:

1. Review your income and your expenses and help you to develop a realistic budget
2. Assist you with writing a financial hardship letter
3. Review possible options available to enable you to meet your mortgage obligations
4. Determine the cause of the delinquency and discuss with you the appropriate actions to cure your delinquency and, if possible, avoid foreclosure