This is about credit card debt settlement, mortgage loan and Land Lord personal guaranty, I have stopped paying credit card and mortgage since 2011. I cannot pay the lien land lord placed on my house for $158,000 my house is worth $395,000. Mortgage is about $295,000 .Credit Card debt is around $40,000, other personal debt is around $65,000
I am confused since I cannot pay land lord. I am confused and want some body who can
1. Negotiate with the Land Lord
2.Negotiate with credit card
3. Negotiate with 1st and 2nd mortgage.
Please let me know if this is your field of expertise