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Should I call my lender before I miss a payment?

Short answer

Yes. Lenders usually have more options before you’re behind, and you avoid late fees and credit damage.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

CFPB: trouble paying debtsconsumerfinance.gov
HUD: find a housing counselorhud.gov
FTC consumer advice: debt relief scamsconsumer.ftc.gov