Stop Foreclosure - Help to Avoid Foreclosure

Stop Foreclosure!
Cut Your Losses Substantially
Lower Your Risk of Owing Later

Hundreds of little-known strategies from top experts
... what to do and NOT to do to avoid foreclosure
and financial hardship

How to save everything you can - even come out ahead - with little-known tactics for loan modification, short sale, bankruptcy, debt settlement, and many more options you didn't even know you have...

Does it look like the "Rescue Bailout Plan" is working? It's no mystery that it's not. Banks are winning. All while millions of people -- maybe even you -- are not getting the help needed to get back on solid ground, instead of continuing to spiral down.

The skyrocketing number of foreclosures are still devastating untold numbers of people personally and financially. But this pain and great loss does NOT have to happen. You can stop foreclosure.

If you checked one or more of the above concerns, then this article could be the one place you finally get some straightforward answers and solutions you've been looking for to reduce financial hardship and prevent foreclosure ... and move on with life.

But for millions of homeowners, the rising fears of hardship, the economy, and housing market creates a huge range of emotional problems -- anxiety, depression, insomnia, drug and alcohol abuse, even suicide. Everyday, another household is on the brink of foreclosure.

Why? Sudden loss of job or income ... a mortgage that's no longer affordable ... too much debt and/or too many expenses ... needing to sell a house but can't ... unforeseen debilitating accidents or illness ... upside down investment properties you're feeding ...

I know that sick, anxious feeling you get when you're facing hardship and foreclosure because I've been there myself. Believe me that a guide in the right direction along with a can-do attitude makes all the difference in what you're going through right now.

You can significantly lessen or avoid painful financial hardship and move on with life in the best possible position - but only if you have the right information from every expert you need to be talking to. You don't want to miss something - like an opportunity to keep your house or knowing whther or not your bank has legal recourse to come back for repayment.

Most people simply don't know what to do to prevent foreclosure or aren't sure about what they hear. They scour the internet for information and talk to every "expert" for solutions. Instantly there is information overload. It's often conflicting and incomplete and makes trying to solve a foreclosure problem even more confusing.

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

With all this confusion and doubt - and so many scams -- it's no wonder people stick their head in the sand and give up. But ... if you do this, you will most likely lose more than you had to.

Often a foreclosure can cost you way more than just your house. One or all of these additional problems can show up during or after the foreclosure and may be more painful and costly than the foreclosure itself!

The sad reality is that so many people lose everything in foreclosure only to later realize they could have saved more -- their house, money, credit -- if they'd just known what to do.

When you're in danger of foreclosure, you can't possibly sift through the massive amount of information out there -- let alone make sense of it. And you cannot afford bad advice right now.

In fact, if you've received a Notice of Default or Les Pendens, you now have very little time (about 90 days) to understand what's going on and solve your foreclosure problem as fast as possible.

There are surefire ways to postpone foreclosure while you get different strategies working for you. In fact there are actually many ways to avoid foreclosure and even come out ahead ... such as a loan modification that not only lets you keep your house, but makes your payments so low, you save hundreds - even thousands - every month! Fixed and secure.

Sound too good to be true? It's absolutely true. In fact, I've succeeded in getting 90% of the modifications I've counseled people through.

Imagine a loan modification that gives you 2.5% for the first 5 years and 4.5% or 5% every year thereafter!

Wouldn't this make all the difference in your life today? Or what about settling debt and it's just gone - no more payments - and then you can qualify for modification.

In a hurry? Get this eBook now, so you can learn all the ways - step-by-step - to get out of foreclosure, including how to significantly increase your chances for loan modification. You'll get several modification letters that were used to get actual modifications approved. You'll also get expert advice on how to avoid legal problems associated with default and foreclosure, little-known tax bombs, and pages of sound advice. It's like having from every expert you need at your side help you minimize or avoid loss.

My name is Elin Bullmann and I've been in your shoes … dealing with foreclosure and financial hardship.

I've been through foreclosure firsthand, succeeded in many modifications, short sales, avoiding lawsuits and taxes on deficiencies, and not spending money I didn't have to - even though the bank said I owed it. I not only survived foreclosure, but avoided other losses that would have cost me dearly if I didn't have the right information and expert help.

I've helped so many people get out of foreclosure, especially through successful loan modification and elimination of debt ... I've lost count.

The difference between me and many others who have faced foreclosure is that I didn't want to wonder if I could have or should have done something after it's too late.

So ... I worked side-by-side with a team top-notch experts -- and I continue to do so to this day. This way, I was privy to invaluable expert information and advice that no one was telling me.

In the time since I've been helping people get out of foreclosure and financial hardship, the most frequent comment I get is this...

I'm probably not so different from you or someone you know going through foreclosure. When my husband and I found ourselves facing foreclosure, we had that "deer in the headlight" look. We just stumbled through our existence knowing we were way in over our head. We had no idea how to start dealing with all the problems our hardship was causing. We were so distressed … every day this nightmare was so real, yet it was so unreal ... we just couldn't function.

We needed help. But … our realtor couldn't sell our house or our rental house in such an upside-down market. 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 and ended up empty.

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

But there was no way I was going down! I'd worked too hard for what I was about to lose (my savings, my house, my credit, my confidence...). That's what got me to shift my search for help that could DO SOMETHING.

I knew someone out there had to know how to get me out of this! Actually, there were many. I came to realize one was not enough ... I needed COMPLETE advice from MANY different experts.

After years of research and working directly with a team of trustworthy experts (about the experts), what I did after so many people asked me to is document every bit of their best advice and most serious warnings. I put in all in one place that I could keep undated - in an eBook (electronic book that downloads to your computer).

For the first time, all of the sound and straight advice was in one place -- so people could understand all of their options ... all of the ways they could get out of foreclosure and financial hardship. Possible risks. What to do during and after. See Table of Contents

I documented how to avoid surprise hits from a financial, tax, legal, credit or other direction you may not realize could be coming with decisions you make -- or don't make.

These experts and I compiled all of the legal, financial, tax, credit, mortgage modification, bankruptcy, debt settlement, and other essential information and strategies you need to stop foreclosure and financial hardship. These are your best shots at avoiding as many and and much lose as possible. Even today, I continue to work side-by-side with attorneys and other experts to keep all of this information current.

I've included many viable, perfectly legal strategies that are contrary to what many experts or advisors tell you, if they even will. Even today, I am absolutely floored at what "experts" tell people to do - leaving out critical pieces or related pieces of information that could lead to costly mistakes or oversights -- now or later.

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 experts who help people get through their foreclosure and financial hardship problems every day.

This is still the only resource that has advice from every expert you need to talk to -- on what to do and what not to do -- all in one place. It's delivered immediately directly to you. Believe me, you need this information, and this is the fastest way to get it in your hands.

This culmination of information, advice, forms, flowcharts, worksheets, timelines, lists, and other resources covers virtually every aspect of foreclosure and is unlike any other resource.

In fact, this eBook 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.

With the power of this information and help, you can see the light at the end of the tunnel. You'll have a plan.

I can't overemphasize the fact that the earlier you get the right information in your hands, the better -- even months before you think you might not be able to make your mortgage payments.

No matter what situation you're in -- whether you're one week away from foreclosure or are just starting to feel the pinch -- now is the time to know how to postpone foreclosure and avoid or reduce loss and hardship.

WARNING: Don't Try to Solve Foreclosure and Financial Hardship Without Reading This First!

This 240+ page, easy-to-follow guide is esigned so that it can be read and understood by the regular layperson. It's like having hand-held instruction every step of the way.

When you get this resource in your hands, you'll have hours and hours of advice and coaching from top experts ... worth thousands of dollars that getting this same advice would normally cost you.

No doubt, having this information takes 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 and do for each strategy, including:

What foreclosure (loss) mitigation is and how it can turn your situation around. Find out if you qualify for these solutions and if not, what to do next. (see chapter 9)
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 time and money. (see chapters 11 and 12)
How to prepare for loan modification, fill out your financial worksheet and write your hardship letter so you don't talk yourself out of your own modification! Increase your chances so you not only qualify for loan modification but get in on record low rates. What to expect from your case manager, what to ask for what NOT to do when you get approved, and how one common mistake can blow a modification offer you have in your hands in one split second. (see chapter 10)
Use one of several hardship letters templates to write your own letter in seconds. Simply cut and paste the text and edit. These are actual letters (minus the personal information) that helped real people get approved for modifications that would blow your mind. I’ve already written the letters, now I give them to you as a framework to follow. Just plug in your own information! This will substantially cut your confusion of what to write and give you the advantage of using a letter that proved to get people modifications. (see chapter 10)
Use the sample 2nd mortgage settlement letter included in the book to write your own in seconds. Get instruction from attorneys and representatives from bank Settlement and Recovery departments that can help you settle for a fraction of what you owe on a second mortgage. (see chapter 10)
How to determine if you should foreclose or short sell - and avoid an ugly surprise later that can cost you bigtime...
How to settle high credit card debt or other debt you have. Attorneys give you the inside scoop on how to settle for 10-30% or less of what you owe, without worrying about lawsuits for repayment or garnished wages.

The Making Home Affordable program and how to know if you qualify. How to apply and common issues? (see chapter 18)
How to get your lender to stop calling and harassing you day and night. Discover a little-known secret that forces them by law to stop calling you! A simple template you copy and fax to your bank immediately stops the harrassment. (see chapter 5)
What to do when your second mortgage lender threatens to foreclose on your house. How to outsmart your second mortgage lender and determine your risk when trying to get rid of or stop paying your Home Equity Line of Credit or other second mortgage. (see chapter 12)
How to legally live in your house for a year or more without payments while you work out a solution. How to take advantage of saving this money without risk. (see chapter 12-13)
The nuts and bolts of short sale and how you can increase your chances of using this option to avoid foreclosure by over 90%. Insider information and expert tips on what makes or breaks a short sale. Why it won't cost you a dime for help from one of the top short sale experts in the country. (see chapter 12)
How to pay nothing if you choose to 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 no out-of-pocket cost to you. (see chapter 16)
Many people who have mortgage problems, also have debt issues they're drowning in. Find out how to eliminate 50% of what you owe without a penny upfront - and get easily setup with an affordable program you can finally deal with.
Common scams and how to recognize them so you avoid getting taken advantage of and losing money. How scammers find you and what they really want -- know this so you can protect yourself!(see chapter 14)
When you may want to consider bankruptcy and how the process works. 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 11 & 12)
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 & 13)
What tax obligations you have if you foreclose, short sell, file bankruptcy, or choose other options. The exact tax forms you need to file and when. Simply print and complete following step-by-step instruction from a highly qualified tax strategist! (see chapters 13 and 18)
What new legislation and programs can help protect you and get you out of trouble. How to qualify and if you don't, what to do next. (see chapter 13)
Why your loan payments doubled or even tripled. What all those numbers in your loan documents really mean and how knowing these critical loan terms can save you from paying more than you have to. (see chapter 6)
How to make sure you're getting the best loan and mortgage rates possible, and how to avoid being taken advantage of by jacked-up points and commissions you didn't even know get added in. This information is invaluable to know any time you take out a loan. (see chapter 6)
What you can do to keep your relationship intact during foreclosure and any other crisis you'll encounter in your life. (see chapter 8)
What to do when it's all over. How to repair your credit and ways to rebuild your life faster … so you and your family can move on and get back to normal. (see chapters 13, 19, & 20)
And so much more! See Table of Contents

This eBook costs only a fraction of a single hour's consultation with just one expert - saving you money and time in not having to consult with attorneys, CPAs, foreclosure mitigators, short sale companies, credit experts, and other expensive help.

One thing I realized early on is that if you don't work together with your spouse to survive foreclosure and move on, you're both less likely to succeed - or stay married.

That's why I asked Bob Grant - The Relationship Doctor - to give his best advice for couples going through foreclosure and financial hardship in this eBook. You get advice equal to 4 hours of counseling advice and exercises (worth $500) absolutely free when you get this eBook.

Bob Grant, a Licensed Professional Counselor and author for over 25 years, wrote Couples in Crisis especially for you and I. His advice is devoted to helping you deal with any crisis situation, like foreclsoure and financial hardship. He shows you how to keep your relationship intact ... and come out stronger than before hardship. These lessons and exercises can not only help you today, but for the rest of your life whenever you need to get through troubled times.

Dr. Grant helped me through troubled times, and so did all of the experts in this eBook. 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 Chapter 15 tells you about each expert and where to get ahold of them if you feel the need.

If you have questions during or after you read this book, just pick up the phone and call.

You've probably heard other people (maybe even you) say, "I don't care anymore! Just let the darn thing foreclose." I'll tell you why that kind of thinking is not in your best interest and the economic opportunity you're giving up when you walk away too soon.

I assure you that just because you're facing foreclosure, it does not mean you have to lose everything you've worked so hard for. This eBook shows you how it's possible to avoid losing more than you have to -- even if you think your situation is hopeless.

How much would you pay to have this kind of 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 had no idea what to do. But this eBook didn't exist back then.

You, on the other hand, have easy access to all of this information and advice in one place for one very low price - only $45.99! Owning this eBook is like having many experts sitting right in front of you for less than a tank of gas!

Isn't $45.99 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 for a family of 4!

Without this resource in your hands, how long do you think it would take to gather all of this information and figure out what to do with it? avoid foreclosure

How much money and time do you think you'd spend trying to find this level of qualified advice, meet with attorneys, tax experts, financial advisors, etc., and different services that might not even help? Take your situation into your own hands and control it - instead of being lost in confusion or thinking you have no choices.

Just like it would be difficult for you to maximize your tax return deductions without the aid of a qualified CPA or tax preparer, so will it be difficult to go through your foreclosure process without the help of qualified experts who can help you avoid loss and future problems associated with a foreclosure.

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 $150), but whose best advice is all included in this eBook.

In fact, the tax advice in this eBook is so complete, you should not have to hire a CPA at all, unless you have special circumstances. But then again, you'll be able to pick up the phone and call the same trustworthy tax specialist that I worked with to know for sure. You can probably ask her a few questions without incurring a charge.

I am so sure that this eBook will help you through your ordeal with more clarity and confidence that I give you a 100% money-back guarantee.

If you don't agree that this eBook gives you pages and pages of insightful information and solid expert advice, simply return it for a full refund within 60 days.

Don't delay. Whether your foreclosure date is in 2 weeks, or you're just feeling the next mortgage payment will be hard to make, you can postpone foreclosure, avoid it altogether, and for sure cut your losses. Take advantage of this while you still have time.

Click the link below for an instant download of How to SURVIVE Foreclosure or AVOID it Altogether. Once your credit card is approved for only $45.99, you will be taken to a special download page where you simply click to download, save it to your computer, and find your free "Couples in Crisis" eBook in Chapter 7.

Author, Consultant/Advice Coach, and College Instructor on
How to SURVIVE Foreclosure or AVOID it Altogether

Have questions? Email me at info@surviveyourforeclosure.com or call me at 541-388-2156.

Why do I do this? It's not my primary job, but it's a way I can give back. I help people because I can, I know how, and it's the right thing to do. It kills me to see another family on the news who just lost their home -- and they probably didn't have to! It makes me sick to see the huge number of foreclosures across the country happening every month -- just because people don't know what to do or attempt a strategy and get it wrong.