Call your lender and inform him of your current situation and your desire of getting a loan modification and paying up your loan.

Borrowers a few months behind payments are preferred but even those who are not yet late on their payments can qualify for loan modification provided that they can prove a probable future financial difficulty.

Of course, there are other options for transforming the look of your bedroom as well. You may find that there is a particular comforter set that you love - perhaps something in a Damask. But maybe there's a problem. Maybe in the winter you love the way that the burgundy shade catches the light but as spring and summer creep in, you realize that, with the different light, the shimmer seems all wrong or doesn't seem to be there at all.

In this series are the most representative of the Gucci special edition "Gucci for UNICEF" Indy Bag, red leather handle, a long red tassel and a special edition of The Memory of the sheet metal flashing. "I really like the new Indy Bag, feel particularly fresh!" Frida said: "This series of roses decorated with an interesting style of saucy expression of Gucci Cheema ancient tradition of respect for patients. I am honored for the United Nations Children's Fund This special edition will be designed handbags, Gucci to express long-term support. "this handbag as a series of main works, Gucci Gucci shop will be on sale throughout the year to help fund-raising scheme to obtain better results. The handbags in November 15, 2007 to November 2008 period of 14 of the 25% of total sales will be donated to UNICEF for children in Malawi and Mozambique to provide emergency medical services and preventive vaccines.

Leather bags are an attraction among fashionable ladies and teens mostly out for a shopping spree and often get dazzled with huge collection available. However, venturing out in retail stores can be tiring and in such a case online shopping is recommended with stylish fashion leather bags available to make a stunning impression. Internet shopping is a great option for a less tiring and quick affair with online order placements. Exploring PVC leather crocodile patterned fashion leather bags with zippered pockets inside and outside, leather bags with embroidery and bead work, those with custom screened art and rhinestones, designer inspired fashion leather bags with metal hardware and those matching up with the attire worn can stand out to be great option for a trend setting makeover this season. You will look good with them for your cocktails, proms and other formal events.

If you taking your car on a road trip ?there?all kinds of preparations that should be made to make the trip a memorable one. Getting out the maps, making the list of essentials for the trip, and getting it all together in the trunk or on the top rack, that?half the fun!

Backpacks also make a fashion accessory for kids, so remember to involve them when choosing school supplies. Pastel pink, polka dots, and bright colors are some popular choices for little girls, while boys will love a backpack with sports motifs. You can surprise the kids by personalizing the school bags and getting them monogrammed with their initial or name.