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As soon as you miss a payment on a loan, what ever the type, mortgage, credit card or car loan this will trigger the lender to automatically start sending out letters to help resolve this problem. If you have been paying your bills for a long time, lenders are more likely to court you. If you inspect the houses once prior to making the final decision there is nothing better to it.  Here is my web page:  http://www.repoxr.com