You should know if you need your home equity line of credit to use in the future.

You know, when you familiarize yourself with those who are frank about their rights and services.

Refinancing a mortgage gives you the opportunity to pay off your existing mortgage on time, or it can also help reduce the monthly payments.

Maybe it's time to start thinking about putting money into an account for your children to go to college, or maybe you're ready to make another major financial commitment.

The first letters often have good advice to avoid foreclosures, and proposes to extend payments.

Do not trust someone because they say they have the authority, as it may come back to bite you in a big way.