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The Ruhl Team and Big Block Realty are not associated with the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan or accept a short sale. Total cost to you will be zero dollars. Your lender will pay for our services. You can stop using our service a any time. It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov