By Josef Tate

 If your house mortgage is up for foreclosure proceedings, you might want to explore different options that will prevent you from losing your home. Loan consolidation is one viable alternative that you can take. This option entails merging a number of loans into one single payment with the use of a debt settlement scheme.
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This pre-foreclosure plan will allow you to pay off late mortgage payments by the extra cash it will provide. It is imperative though that loan consolidation should be done as early as possible so that your credit report will not be affected by a record of foreclosure on a property. debt collection statute of