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Hi Scott, Could you please help me find a lawyer or company that can negotiate with my mortgage company.

hello. Unfortunately your mortgage is a secured debt, it is secured by your home and therefore cannot be negotiated. If your rates are high, you can look into refinancing your mortgage to lower your payments, however, that is about all you can do. Only unsecured debts can be negotiated.

As a secured debt, the lender uses your home to “secure” the loan meaning that they have the right to sell your home to pay off the loan should you not be able to make your monthly mortgage payments.

I suggest you speak with you lender to see if there is any room for a refinance in order to help you reduce your payments.