There is HOPE!

BEFORE you give the bank your house keys, consider calling an expert at Joy C&C. We will review your current situation and do our own research on the matter.

Our EXPERTS are well aware of the process that most BANKS follow whenever the homeowner falls behind on their payments. These EXPERTS have experience in talking with bank officials in order to negotiate a favorable outcome for the property’s owner. The BANK often says NO until they are contacted by Joy C&C Experts. Don’t wait until it’s too late!

Call us today at 209-585-7310 to schedule a FREE CONSULTATION of your options. 

"When my husband had an unexpected loss of income, change in job, and ongoing health issues we didn't know what we could do when the bank threatened to foreclose on our house. Joy C&C was very helpful and understanding in showing us our potential options and not pushing us to do options we didn't like. The piece of mind and insight Joy C&C gave us was priceless. It has now been 2 years and we have been able to keep our home and plan to stay here a long time. I would recommend Joy C&C's service to anyone who is behind on payments and unsure what their options may be, because they helped us see what others were unwilling to tell us."

Thanks again.
Jamie R.

"Due to a financial hardship, I had been working with my lender to get a loan modification. After being denied repeatedly and falling further behind I was feeling overwhelmed. I didn't know what to do and felt I was out of options. Joy C&C was referred to me by a business associate based on their vast experience with homeowners in foreclosure. After our initial conversation I felt a like a weight had been lifted off my shoulders. I appreciated their professionalism and experience in the short sale process. I was relieved to have someone that was working with my lender to ensure they had all the information that they needed. I liked their attention to detail and their communication about progress on my file. It was a very stressful situation but it was made much more manageable by having a professional on my side guiding me through the process and and letting me know what to expect. I want to thank Joy C&C for their help and would be happy to recommend them to anyone."

Sincerely,
Luke B.