Second Mortgage Advice
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Second Mortgage Advice is not a Local, State or Federal Government agency, department or service. Second Mortgage Advice does not offer any Government debt relief programs.

By completing a form on this website you are requesting a representative from our company to contact you, in most cases by telephone, regardless of your status on the do not call list (DNC). Forms on this website are for information requests only, mainly for consultations, they are never an application or pre-qualification for services, all calculations of debt savings are estimates. Second Mortgage

Second Mortgage Advice is not providing legal, financial, investing, credit repair, tax, counseling or any other professional advice. Although we believe the content on this website to be acurrate it is general in nature and does not fully describe the complex details of every debt situation or solution you may decide to use. It is recommended that you always contact a licensed professional in the appropriate field for advice before making any final decision.

In no case should you, the visitor, believe that there is any gaurantee that a you will not have to file bankruptcy now or in the future. * Any debt reduction percentage shown are estimates.

Important Issues to Consider when Evaluating Debt Reduction Programs

Consumers should not use a debt settlement service if they are able to pay their minimum balances due each month. Nor should they use a debt relief service if they do not have a legitmate financial hardship.

(1) Late fees, penalties, and interest will continue to accrue on the consumer’s debt until the consumer’s creditors accept and receive a settlement;
(2) A consumer’s creditors may still sue to collect on the debts and garnish the consumer’s wages;
(3) Interest rates applicable to the consumer’s debt may increase;
(4) Any money a consumer saves in negotiating a settlement with a creditor must be treated as income for tax purposes;
(5) A debt settled for less than the full amount owed may result in a negative notation on the consumer’s credit report; and
(6) Debt Settlement companies MUST be licensed in your state to provide debt relief services to you. Second Mortgage Advice does NOT validate licensing requirements for individual companies. Consumers are required to check with the FTC and or their local Attorney General's office to determine if a company has the proper license to do business in their state.

Second Mortgage Advice is not acting as a lender or broker. The information provided by you to Second Mortgage Advice is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. Debt relief programs may Not be available in all states.


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Legal Items You Should Know About is owned and operated by Manchester Publishing Company, Inc. The information provided on this website is provided to assist consumers taking a do-it-yourself approach to resolution of second mortgages or liens.

We do not offer legal services or legal advice, nor do we provide third-party negotiation or loan modification services of any kind. Foreclosure and/or modification of loans, settlement of second liens, and other real-estate related transactions are complicated financial matters. We strongly advise consumers to seek the advice of a competent, local, legal professional. Consumers seeking to avoid foreclosure via the short sale method should seek the assistance of a local real estate professional who specializes in short sale transactions.

The information presented on this website is not intended to substitute for professional legal or real estate advice.