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If the current value of your home is greater than your current mortgage balance, it means you have equity in your home.
You may be able to use this equity to refinance your current mortgage and receive cash at a low interest rate to pay off your credit card debt.
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A major strategy of foreclosure defense is to make a bank substantiate clear chains of title for a mortgage and a promissory note.
If any link in either chain is questionable, it can nullify a lender’s ability to make a valid claim on a property.