The bank's letter gives you one way out. There are seven.

Your seven ways out, with the cost of each.

We listed selling to us last on purpose. If choice 1 works for you, if you can pay it off and keep your home, we'll tell you that on the call, and then we'll get out of your way.

1. 1

   Catch up and keep the house

   Pay what's behind, plus the fees, and the loan goes back to normal.

   Costeverything behind, plus fees.

2. 2

   Ask the bank for a plan

   A catch-up plan, a pause, or new terms. The bank has programs. You have to ask, in writing.

   Costfees, and weeks of paperwork.

3. 3

   Replace the loan

   A new loan pays off the old one. Needs equity, and time.

   Costclosing costs, often a higher rate.

4. 4

   List it with an agent

   Full price on the open market, if the date is far enough out.

   Costagent fees and repairs, plus the payments while you wait.

5. 5

   Stay in the house, let someone else carry the loan

   A buyer brings the loan current and takes over the payments. You stay on as a renter for a set time. We do this one too.

   Costthe house changes hands, and your stay has an end date.

6. 6

   Sort out the ownership first

   A late parent's name on the deed, or a co-owner who won't sign, gets fixed first. We help families with this part.

   Costcourt fees and a few months.

7. 7

   Sell it to us, Georgia Property Co.

   We buy the house and close before the sale date, when the timing allows, with the house as it sits. You see our numbers and our margin in writing first.

   Costa discount. That is the price of a sure closing before the date.

If there's debt beyond just this house, a bankruptcy attorney can sometimes pause everything at once. That's their lane, not ours, but worth asking about.

Your three steps for this week

1. 1

   Confirm the real date, then tell us.

   Call the office at the top of your notice. Dates move. Then text us the date and the address. We read the county file the same day and tell you how many days you really have.

2. 2

   Get two numbers from the bank, in writing.

   What it takes to catch up, and what it takes to pay the loan off, as of one date. Every choice above starts there. Bring them to the call.

3. 3

   Pick the choice, not the buyer.

   Keep it, catch it up, sell it, or stay while someone else carries the loan. On the call we put your numbers next to each choice. Nothing gets signed until you've seen it in writing, wherever you choose to sign.