SECOND MORTGAGE Consultations No Longer Offered

Thank you for visiting You have been redirected to this page because I no longer offer the consultations for second mortgage scenarios.


I started assisting consumers with defaulted second mortgages in the years following the Great Recession of 2008-2009, when real estate values plummeted and many homeowners were facing situations where they could no longer maintain payments on two mortgages.

After providing hundreds of consultations for homeowners in the past 7-8 years, I have made the decision to no longer offer this type of paid consultation specific to second mortgage defaults.

There are several reasons why I’m no longer offering this service:

1. Property values have trended upwards as we have come out of the financial crisis, to the extent that today it’s fairly rare to see a second mortgage that is completely uncovered by equity. This creates a situation where it becomes far more difficult to settle for 10-15% like the “good old days,” when there was no equity covering the note balance.

2. Many people have fully recovered from the crisis years ago, to the extent that their financial status also precludes settlement on a defaulted second mortgage.

3. The wave of payment resets on Home Equity Lines of Credit (HELOCs) is largely behind us now, with most of the HELOC loans issued through 2008 having already reached the point where payments are reset from interest-only to repayment of principal and interest.


In lieu of the previous paid consultation where I charged $150 for the telephone discussion and 30 days of email support, for selected clients I offer full service negotiation support. I do not accept very many mortgage clients for full service, and will not respond to email or phone inquiries. A thorough description of your situation must be submitted via email to [email protected]. The fee is 15% of the savings accomplished in the negotiation. For further information, please see my 5-page series on Tailored Debt Settlement.

ZipDebt = Fast Relief

Debt settlement is just as much about managing risk as negotiating savings. The 36-48 month programs offered by most debt companies have high risk for collection lawsuits. It's far more effective to "fast track" debt settlement in 12-18 months.

ZipDebt = Affordable Help

Instead of paying fees as high as 20-30% of your TOTAL DEBT, it’s far more affordable to work with a professional consultant who only charges 15% of the SAVINGS achieved via the negotiations. This approach saves you money and creates a win-win scenario.

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