It's hard to make sense in a sea of information

Most start out by searching the Internet in hope of quick solutions, but get instantly inundated with thousands of sites and an overwhelming amount of information. They find bits and pieces of what seems like good information, but it's scattered everywhere, incomplete, or little do they know … just plain wrong! Its not until after they've gone broke or ran out of time that they realize they're no further along in solving their foreclosure problem than when they started. In fact, they may be even more confused.

Still, many spend up to their last day before foreclosure in a desperate search, believing that one person or service can erase all their problems overnight or that they have no other choice.

Of course, that's simply not true!

The fact is, there are multiple ways foreclosure will affect your life and you must address them all if you're going to avoid the most loss. There are ways … strategic and careful tactics … that can help you avoid foreclosure and the losses that are most important to you.

It isn't just about knowing what options you have; it's also about lowering your risk of getting deeper into trouble with legal, tax, financial, credit, and personal issues that can cause even bigger problems than the foreclosure itself!

What most people don't know is that you can't count on just one person for all the answers. Even if you're getting good advice now, there will be holes in that advice because it's only from one expert.

Unfortunately, what you miss could cost you dearly later on.

Warning: Much of the conflicting or "expert" information out there is very incomplete and often incorrect - and could possibly blow your only chance to avoid foreclosure.

Even more scary is if the "help" you've found is actually a scam. No doubt, there are thousands of websites and people that look and sound legitimate, but they're really just out to make a quick buck on your foreclosure misery.

When you're in danger of foreclosure, you have no time to sift through the massive amount of information out there. You have no room for bad advice.

Find out how to survive your foreclosure - or avoid it altogether now!

My name is Elin Bullmann and I've been in your shoes … dealing with foreclosure. In fact I've been through foreclosure firsthand ... and not only survived but avoided other foreclosures and losses I would have had if I didn't search out the answers.

The difference between me and many others who have faced foreclosure is that I confronted my foreclosure head on and fought back with an entire team top-notch experts at my side.

I was privy to invaluable information and advice that no one tells you. In the end, I learned what you should and should not do during and after your ordeal with foreclosure … and how to substantially cut your losses.

When my husband, Ken, and I found ourselves facing foreclosure, we were way in over our head. We had no idea how to start dealing with such a foreign, overwhelming problem.

We were facing the possibility of losing everything - our money, equity, credit, other family assets, and maybe even our own home.

We were so distressed … every day was a daunting mission with no clear plan. This nightmare was so real, yet it was so unreal, that we just couldn't function.

As much as we searched and found what we thought was the answer, another issue would pop up that would either shoot an earlier path we thought we'd follow … or throw a curve that would stop us in our tracks because we didn't know what to do with it.

We were finding solutions that looked like they might be a way out, but we didn't know the first thing about what they were or how to do them … so again we hit a brick wall. The more days that passed with still no answers, the more panic set in ... and the closer our foreclosure date was.

We needed help. But … our realtor couldn't sell the property … our property manager couldn't rent it … our mortgage broker couldn't refinance it, and so on it went with one person after another who we asked for a solution.

This was a scary realization - that almost every professional that helped us get in this situation could not help us get out!

This was a turning point … a point that drove me to find the right help. It was a shift in my thinking that eventually led to the alternatives that helped me end this nightmare in peace and not lose everything I worked so hard for.

Fast forward several months and I found myself working with top experts that steered me clear of major hits that foreclosure would have otherwise taken on me. With their help, I knew which alternative was my best shot at avoiding foreclosure, my legal rights when working with lenders and other creditors (liens) on my property, exactly how to deal with the ever-confusing tax issues, and many other critical do's and don'ts. I could relax more because I knew that what I was doing was backed by expert advice. In fact, they did most of the work for me.

What made all the difference is that I was prepared and knew how to get back on my feet faster. Now I'm helping others do the same.

I was lucky to have so much insider information about the pre- and post-foreclosure process and learn ways to avoid loss that hardly anyone knows. In fact, most people don't even know the basics, let alone the sophisticated strategies that I've included in the book.

For instance, did you know that there's one little-known technique that can allow you to make some of your house payment but not all of it - and still keep your house? Very few attorneys are even aware of how this can work.

There are many more viable strategies I know which are contrary to what other experts and advisors may tell you. Maybe these are some of the same less experienced advisors you've used - who may cause you to lose more than you had to because you were given bad advice.

In the time that I've helped people learn how they can avoid losses in their foreclosure situation, probably the most frequent comment I get is this:

"I wish I had your advice sooner so I could have tried more things that might have helped me avoid my foreclosure ... and gotten the advice of these experts instead of thinking there was nothing I could do. How I dealt with my foreclosure and the way things turned out could have been a lot different if only I would have had this information sooner."

I can't overemphasize the fact that the earlier you get the right information in your hands, the better - even months before getting into a foreclosure situation if possible. No matter what situation you're in - even if you're one week away from your foreclosure date - there is still time to postpone your foreclosure and cut your losses.

The major difference between this resource and all others is that it contains comprehensive advice from not one, not two, or even three experts ... but from dozens of the brightest experts.

• Foreclosure (loss) mitigators
• Short sale specialists
• Tax strategists/Certified Public Accountants (CPA)
• Attorneys that work in short sale, real estate, bankruptcy law, and with lenders
• Real estate agents with expertise in foreclosure postponement
• Senior mortgage consultants
• Lease option advisors
• Credit repair specialists
• Financial advisors
• Licensed Professional Counselor (LPC)

• 17 Strategies to avoid foreclosure
• 28 Warnings to protect yourself and ensure things don't get worse
• 107 Invaluable must-have tips to guide you through surviving foreclosure and rebuilding your life

• 6 serious problem areas that almost no one can avoid
• 35 legal insights from top-notch attorneys
• 27 tax laws, tips, and must-do's
• 12 ways to hold onto money that you don't have to give up
• 18 short sale pitfalls and how you can increase your chances
• 19 credit damage facts and credit repair how-to's
• 32 ways to get through this crisis without losing your relationship
• 27 mortgage facts no one tells you and how to never get yourself into a bad loan again
• 23 suggestions to work with your lender, increase your chances to keep your house
• 7 foreclosure scams revealed and how to avoid them
• 4 real-life stories of how others avoided foreclosure

In addition, what this eBook gives you that I've seen in no other is direct access to all the experts you'll need when facing foreclosure. Because I didn't know who to turn to or trust when I needed answers, I know how valuable it is to have someone to talk to ... someone you can trust. That's why I connect you with the same highly-qualified experts that helped me.

Chapter 16 gives you the background, credentials, and contact information of each expert I worked with ... who by the way are also wonderful human beings that care. If you have questions during or after you read this book, just pick up the phone and call.

This is no ordinary book. (Click to see a partial Table of Contents).

In 180+ page compendium of foreclosure "insider information" and strategies that no one is telling you about, I discuss all of the ways foreclosure will affect your life. I've designed this eBook in such a way that it can be read and understood by laypersons and it acts like hand-held instruction.

This will be the best education you can find on the entire subject of foreclosure that you can get in one quick gulp. It is the definitive guide on how to best deal with foreclosure in your own situation. In fact, you'll learn ways to ensure that this tragic situation never happens again.

When you get this eBook in your hands, it will take the fear out of your situation because you'll no longer be dealing with the unknown. It spells out exactly what you need to know in a usable format, including:

• What foreclosure (loss) mitigation is and how it might solve your problems in just a few weeks. Find out if you qualify for these solutions and if not, what to do next. (see chapter 8)
  
  
• What your best options are to try first, second, third and so on. You'll be able to check off which ones might work for you and which ones won't until you find the solution that ends your foreclosure problems - saving you precious time and money. (see chapters 8 - 12 and chapter 16)
  
  What's the real story on the Government's newest (Oct 2008) rescue/bailout plan called Hope Now? Can it really help you avoid foreclosure? Who qualifies, what are the guidelines, and how do you apply? Why will many of its shortcomings stop you from getting the loan modification you need and the program promises? Get expert answers to questions everyone is asking about this program. (see chapter 16)
  
  
• How to get your lender to stop calling and harassing you day and night. You'll discover a little-known secret that forces them to stop calling you by law! I give you a template that you can copy and use immediately. (see chapter 4)
  
  
• The nuts and bolts of short sale and how you can increase your chances of using this option to avoid foreclosure by 91%. You'll get the insider information and expert tips on what makes or breaks a short sale. (see chapter 11)
  
  
• How to pay nothing when you get help from people offering services such as foreclosure mitigation, loan modification, or short sale. Beware of companies charging high fees, or fees "equal to one month's mortgage payment" for these and other services.
  
  
• Where to find trustworthy experts who can work on a solution to your foreclosure problems while you're at work - at reasonable or no out-of-pocket cost to you. (see chapters 14 and 15)
  
  
• What kinds of scams are out there and how to recognize them so you'll avoid getting caught in one. Discover how scammers find you and what they really want from you so you can protect yourself. (see chapter 13)
  
  
• When you may want to consider bankruptcy and how the process works. Learn the difference between Chapter 7 and Chapter 13 and if one could be the best solution in your situation. Discover a little-known provision in bankruptcy law that stops your foreclosure immediately, and a plan that can help you afford to stay in your house. (see chapters 10 and 11)
  
  
• What legal issues you need to be concerned about, if your lender or any other creditor has the right to sue you, and when you do and don't have to repay if you foreclose or short sell. (see chapters 2 and 12)
  
  
• What tax obligations you have if you foreclose, short sell, file bankruptcy, or choose other options. You'll not only know exactly what tax forms you'll need to file, I give them to you in the eBook! (see chapters 12 and 16)
  
  
• What new legislation can help protect you and get you moving forward faster. I tell you if you'll qualify and if not, what to do next. (see chapter 16)
  
  
• Why your loan payments doubled or even tripled. I explain what all those numbers in your loan documents really mean and how knowing these critical loan terms can save you from ever having to go through foreclosure again. (see chapter 5)
  
  
• How to make sure you are getting the best loan and mortgage rates possible, and how to avoid being taken advantage of by jacked-up margins and commissions you didn't even know to look for. (see chapter 6)
  
  
• What you can do to keep your relationship intact during foreclosure and any other crisis you'll encounter in your life. The best advice from "The Relationship Doctor" ...
  a 20+ year veteran in couples counseling. (see chapter 7)
  
  
• What to do when it's all over. I'll tell you exactly how to repair your credit and suggest ways you can start to rebuild your life … so you and your family can move on and get back to normal more quickly. (see chapters 14, 17 and 19)

And so much more...

Did you know ... for example, that you can increase your chances of avoiding foreclosure by 91%?

It's true! One option, called short sale, stops your foreclosure if your lender will accept an offer on your house that is less than what you owe … and ideally, forgive this amount as cancelled debt.

Until now, the straightforward, behind-the-scene secrets to winning the short sale negotiation has been a mystery. Either that or it's like a full-on duke out between you and the bank.

I've looked everywhere for a resource like this because I desperately needed this information when I was going through foreclosure. Even today, I have yet to find one that gives you such complete, up-to-date straight-talk about foreclosure with this many usable strategies so clearly laid out for you. In fact, I can't even find several of the strategies and warnings I tell you about documented elsewhere.

This culmination of information, advice, forms, flowcharts, worksheets, lists, and other resources covers virtually every aspect of foreclosure. With the power of this information and help, you can see the light at the end of the tunnel.

In fact, this downloadable book contains such complete, foreclosure-related tax information and all the forms you'll need that you shouldn't need to spend a dime for more CPA advice.

It's important to note that every technique and option presented in the book is 100% legal - unlike a lot of the advice you might get elsewhere.

The experts who contributed advice to this eBook have helped thousands of people who are facing foreclosure find the options that will inflict the least amount of damage. Their advice has kept countless homeowners from complete devastation that foreclosure would have otherwise caused, and protection against being taken advantage of.

Own this eBook now! It's an easy, instant download.

One thing I realized early on is that if I didn't work together with my spouse to survive foreclosure and move on, we were both less likely to succeed - or stay married. That's why I asked Bob Grant - The Relationship Doctor - to give his advice in this eBook.

I give you this important resource for FREE - equal to many hours of couples counseling - when you order How to Survive Your Foreclosure or Avoid it Altogether. You get both for one low price! Just look in Chapter 8 for your free Couples in Crisis eBook.

I assure you that just because you're facing foreclosure, it does not mean you have to be miserable ... or poor, destitute or broke afterwards. I can show you exactly how to avoid losing everything even if you think your situation is hopeless. It's not. The good news is that this one resource will take a lot of the weight off your shoulders and make it easier to survive foreclosure - or avoid altogether.

Even if homeowners know some of the strategies that can help them avoid foreclosure, there are four primary reasons they fail to make them work:

• They don't know which steps they should take first, second, third, and so on, and how to strategically work these techniques to their advantage;

• They don't know their rights and what a lender can or cannot legally ask them to do.

• They don't know the inside game when attempting techniques to keep their house or think it's too complicated to try. For example, when negotiating with a lender, they have no idea what this other side is trying to do (e.g. what the lender's goals and strategies are);

• They don't realize that there are experts that know how to deal with foreclosure, shortsale, loss mitigation, and all the other issues for a much higher chance of success … and will step in on your behalf at a reasonable or no cost.

How much is your future worth to you?

It pays to be careful when it comes to using information and expert advice in your process of dealing with foreclosure. Remember, if you don't make the right moves as you're facing foreclosure today, you stand to lose much more tomorrow.

You've probably heard other people (maybe even you) who have said, "I don't care anymore! Just let the darn thing foreclose. I'll just rent for the rest of my life!" I'll tell you why that kind of thinking is not in your best interest.

How much would you pay to have this resource at your side helping you right now? I would have paid hundreds of dollars for this eBook when I was going through foreclosure and I had no idea what to do. But it didn't exist back then.

You, on the other hand, have easy access to all of this information and advice in one place! Owning this eBook is like having many experts sitting right in front of you.

How much does all this cost?

The How to SURVIVE Foreclosure or AVOID it Altogether eBook is only $37.00.

Just like it would be difficult for you to maximize your tax return deductions without the aid of a CPA or tax preparer, so will it be difficult to go through your foreclosure process without the help of every expert in this resource. In fact, without the right information and people at your side, the chances of you avoiding foreclosure are almost nil.

I wonder how many people … starting right now … could avoid losing everything if they would just get this information and help? Look in the public notice section of your newspaper and you'll see how people foreclose every week. Even in your own community, it's often well into the hundreds. In fact, it's likely that there are other foreclosures within a stone's throw on your own street!

Don't let this be you.

Believe me, $37.00 worth putting your frantic search for help to an end. Heck ... that's less than the cost of one trip to the movies and popcorn with your family!

Remember, your investment in this eBook is but a small fraction of the hourly fee that just one attorney would charge for one hour (about $400), or one CPA would charge for one hour (about $125), but whose best advice is all included in this eBook.

Why such a low price for so much valuable information? Because if I can help even just ONE family avoid some of the pain that I suffered while going through foreclosure, then it's all worth it … something good can come out of my misfortune. I also know that, like myself, many homeowners in foreclosure are also facing dire financial problems; so I priced the book to be very affordable.