Disclaimer

Last Updated: March 2026  |  Effective Date: March 2026

1. General Information Only

The information provided on 2ndchance.solutions — including all articles, guides, service descriptions, blog posts, and any other content — is intended to help homeowners understand their general options when facing foreclosure or financial hardship.

This information is not a substitute for professional legal, financial, tax, or housing counseling advice. The content is provided "as is," without any representation as to its accuracy, completeness, or suitability for any particular person's situation.

2. Not Legal Advice

2nd Chance Solutions is a real estate solutions company — we are not a law firm, and we do not provide legal advice. Nothing on this website, and no communication with any member of our team, should be interpreted as legal advice or as creating an attorney-client relationship.

Foreclosure law, bankruptcy law, and real estate law vary significantly from state to state and are subject to frequent changes. Laws in your specific jurisdiction may differ materially from the general information described on this site.

If you are facing foreclosure, you should strongly consider consulting with a licensed foreclosure defense attorney or a HUD-approved housing counselor in your area.

3. Not Financial Advice

Nothing on this website constitutes financial, tax, accounting, or investment advice. We do not represent that any particular course of action — including selling your home, pursuing a loan modification, or filing for bankruptcy — is the right financial decision for you.

Your financial situation is unique. Before making any major financial decisions regarding your property or mortgage, please consult with a certified financial planner, accountant, or mortgage professional.

4. Results May Vary

Any examples, case studies, testimonials, or descriptions of outcomes on this website reflect real past experiences but are not typical results and do not guarantee similar outcomes for you.

The success of any strategy — including auction postponement, loan modification, short sale, or a purchase transaction — depends on many variables outside our control, including:

• Your lender's policies and willingness to cooperate
• The stage and type of foreclosure in your state
• The amount of equity or negative equity in your property
• Timing and how much notice is available before a scheduled auction
• Local court, county recorder, and trustee procedures
• Your personal financial circumstances and credit history

We make every effort to help every homeowner we work with, but we cannot guarantee any specific result.

5. State Law Variations

Foreclosure processes differ dramatically by state. Some states require judicial foreclosure (through the courts); others allow non-judicial foreclosure (trustee sale). Timelines, homeowner rights, redemption periods, and available defenses vary by jurisdiction.

The general information on this site may not accurately describe the rules, deadlines, or procedures that apply in your specific state. Always verify information with a local licensed professional.

6. Emergency Situations

If your home is scheduled for auction within the next 48–72 hours, time is extremely critical. While we specialize in emergency auction postponements and have helped homeowners in very short timeframes, we cannot guarantee that an auction can be postponed in every situation, particularly with little advance notice.

Do not delay seeking help. Contact us and a licensed attorney simultaneously if you are in an emergency situation.

7. Third-Party Information

This website may reference or link to external resources, government agencies, lenders, or other third parties. We do not control and are not responsible for the accuracy, completeness, or timeliness of any third-party content. References to third parties do not constitute endorsements.

8. No Guarantee of Availability

The services described on this website may not be available in all states, counties, or for all property types. The availability of any particular solution depends on your property, your lender, local law, and other factors. We will always be transparent about what we can and cannot help with in your specific situation.

9. Federal Mortgage Assistance Relief Services (MARS) Rule Disclosure

2nd Chance Solutions offers certain services that may constitute "mortgage assistance relief services" as defined under 12 CFR Part 1015 (Regulation O), formerly known as the MARS Rule. In compliance with this federal regulation, we make the following required disclosures:

• Government non-affiliation: 2nd Chance Solutions is not associated with the government, and our services are not approved by the government or your lender.
• Lender cooperation not guaranteed: Even if you use our services, your lender may not agree to change your loan. We make no representation that any lender will agree to any specific modification, forbearance, short sale, or other relief.
• No advance fees for mortgage assistance: We do not charge or collect any upfront fees for mortgage assistance relief services (such as loan modification assistance, forbearance guidance, short sale negotiation, or auction postponement assistance). Any compensation related to these services is only due after a written agreement has been executed between you and your lender or servicer.
• Right to stop: You may stop doing business with us at any time and are under no obligation to proceed with any service or transaction.
• Free alternatives exist: You do not need to use a paid service to seek mortgage assistance. Free, HUD-approved housing counseling is available. Contact the CFPB at consumerfinance.gov or call 1-800-569-4287 to find a HUD-approved housing counselor in your area. You also have the right to contact your lender or servicer directly at any time.
• Property purchase transactions: Our property purchase services (cash purchases, subject-to transactions, loan assumptions, and similar real estate transactions) are structured as real estate sales agreements, not as mortgage assistance service fees. These transactions are governed by applicable state real estate law.

We encourage you to consult with a HUD-approved housing counselor and a licensed attorney before entering into any agreement regarding your home.

10. Seek Professional Help

We encourage every homeowner to take advantage of free and low-cost professional resources. Here are some places to start:

11. Contact Us

If you have questions about this disclaimer or about our services, please contact us:

• Email: [email protected]
• Website: 2ndchance.solutions/get-help