If you or someone you know is facing financial distress, please understand that there are options available.  Contrary to popular belief, lenders want to try to avoid foreclosure whenever possible.  You don't have to pay anybody to explore your solutions and most importantly Richard Perez and Paul Kent, greater Pasadena California REALTORS, can assist you to do it yourself for free.  As Certified Distressed Property Expert &/or Short Sale Foreclosure Resource designated agents, Paul Kent, REALTOR, and Richard Perez, REALTOR, are extensively trained to show you all of your options and to help you move toward a solution.  Talk to Paul Kent or Richard Perez, real estate agents, please don't fall prey to those knocking on your door or calling promising things they can't deliver.  Some of them will charge you upfront fees too.  If it sounds too good to be true, it usually is!