Hello everyone I am Matt Fetick with Sold By Short Sale, Philadelphia’s leading short sale specialist, I am so happy you could join me today. If you have found your way to my blog or my website you are in the right place for short sale information and your options to avoid foreclosure. Last week I had the opportunity to meet a great couple who had recently seen a reduction in income and were three months behind on their mortgage. This couple had a big problem that I have been seeing a lot of lately, whether to stay current on their mortgage or to pay all of their other monthly bills and fall behind on their mortgage. Certainly we all want to do whatever we can to avoid this type of situation but sometimes it is out of our hands. The most important thing to know if you find yourself in this situation is that you have options, including a short sale. There are several different options to avoiding foreclosure but the first step in getting out from under your debt is reaching out for help from a trusted professional. If you are behind on your mortgage I would love to sit down and discuss your options as soon as possible. Even if I cannot help you personally I know many debt counselors and bankruptcy experts who can offer their services. If you have a lot of debt, and your house is part of it, please contact me or visit my website to discuss your options. I am Matt Fetick with Sold By Short Sale, Philadelphia’s leading short sale specialist, thank you so much for joining me today.