The Villas At Calaver Hills (Carlsbad, CA)
By Michael Blue, REALTOR - 760-889-8877, Encinitas/Carlsbad
(Home Smart Realty West)
  2816 Wnthrop Ave, Carlsbad CA 92010-A Short Sale Note 8-23-2012  I have called you today because an NOD has been filed by your lender. I will be straight forward with you and keep this as short as possible. Your situation is a matter of public record and not private, phone calls, letters or people knocking on your door going to  start...something similar is happening to millions of other Americans and the rules are changing quickly.  The choices you make now will affect you for just a couple of years or many years.  The choices you make now will not cost you any money or could cost you 10's of thousand or more if you wait. Be honest with yourself, this is like a divorce, a "property divorce" and may need to happen.  If your are late on your payments and haven't paid the mortgage in mo...
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