"What You Don't Know About Foreclosure
Could Cost You Way More Than Just Your House"

Here are strategies that work from top experts - what to do and NOT to do
so you can get out of foreclosure without losing everything

FACT: More than two million homes are now in foreclosure, the highest rate ever recorded and still with no end in sight. One out of every 900 U.S. households received a foreclosure filing.—CNN and RealtyTrac, Sept, 2009.

Even with the new "Rescue/Bailout plan" the skyrocketing number of foreclosures will devastate millions of people personally and financially. But it doesn't have to happen to you.

Are you one of these homeowners:

I'm struggling to make my house payment every month or am already going into foreclosure.
     I don't know what to do and just wish it would go away.

I hear about so many people who save their home AND get incredibly low rates from a loan       modification. I want one too but don't know where to start. I need help with the paperwork and      don't want to blow my chances of getting one because I'm not sure how the process works.

I'm getting close to foreclosure and don't even care anymore. I just want out but I'm nervous that      I could get into even more trouble - like the bank coming after me with a lawsuit for repayment.

If you checked any one of the above concerns, then you have the chance to be one of the lucky ones who have diiscovered a way out.

Only if you know what to do during and after your foreclosure will you avoid losing everything … and diminish what could be a brutal blow to you and your family.

You're certainly not alone in feeling the fear of foreclosure. Many have experienced a sudden loss of job or income ... a mortgage that is no longer affordable ... not being able to get out by selling the house ... an injury or illness that created huge medical bills ... or being buried in debt that's built-up over time.

All of these situations could put you in danger of foreclosure and change you and your family's life as you know it overnight.

The rising fears among homeowners who are facing foreclosure are creating a huge range of emotional problems, mental-health specialists say. Those include anxiety disorders, depression, and addictive behaviors, such as alcoholism and gambling. And, in a few cases, suicide.

There's no denying that anxious, sickening pit in your stomach. I know this feeling all too well because I've been there myself. It's incredibly confusing and painful when you're facing foreclosure.

Don't let fear and bad information get in your way
of getting out of foreclosure

Most people simply don't know what to do or aren't sure about what they hear. Almost everyone tries to find solutions by scouring the Internet for information and talking to every "expert" that seems to have the answer. They are immediately overwhelmed with information - often conflicting or incomplete - that makes trying to solve a foreclosure problem even more confusing.

Often it's not until after they've gone broke or ran out of time that people realize they're no further along in solving their foreclosure problem than when they started.

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

With all this confusion and doubt - and so many scams out there - it's no wonder people stick their head in the sand and just hope it will all go away. Unfortunately it doesn't work that way because foreclosure isn't just about losing your house. You could face legal problems and future lawsuits, get pinned down with more financial hurdles due to fines, fees, and tax penalties, endure credit dings for years, and other problems that may be worse than the foreclosure itself!

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

Knowing what to do - and NOT to do - is your ticket out of foreclosure

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

Most people in trouble don't realize just how many ways there are to avoid foreclosure and even come out ahead - like with a loan modification that could not only save you from losing your house, but make your payments even less than renting!

Sound too good to be true? It's absolutely true. In fact, I've succeeded in getting 100% of the loans modifications for people I've counseled and helped through the paperwork and process.

Imagine a loan modification that gives you 2.5% for the first 5 years and 4.5% every year thereafter! Wouldn't that make all the diffierence in your life today?

When you know the trick to filling out the paperwork and making your numbers jibe with the bank's requirements and formula for allowing modification, you can succeed in getting your loan modification approved and save thousands of dollars every year with lower payments!

Maybe your best option is to short sell, but you don't know where to start. No doubt, understanding the nature of short sales, the reason so many fail, and how to get one approved is the key to using this strategy to avoid foreclosure.

It's possible to avoid foreclosure - and - it's easier than you think to do. You just need the complete picture so you can confidently navigate yourself out of foreclosure and all its problems.

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

 Who Am I - And Why Should You Believe Me?

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 have the right information.

The difference between me and many others who have faced foreclosure is that I worked side-by-side with a team top-notch experts. I was privy to invaluable information and advice that no one is telling you.

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 so distressed … every day this nightmare was so real, yet it was so unreal, that we just couldn't function.

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!

It was also where I shifted my search for help for comprehensive expert advice and help that gave me access to some of the brightest mortgage, short sale, tax, legal, and other professionals who successfully help people avoid foreclosure.

The experts who contributed thier best advice to this eBook have helped thousands of people who are facing foreclosure find the options that will inflict the least amount of loss - if any at all.

Together, we compiled all of the essentials - the best in what to do and what not to do - in this one eBook (electronic book that can be instantly downloaded to your computer).

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.

In fact, there are many more viable strategies included which are contrary to what other experts and advisors may tell you.

 "I Wish I Had Your Advice Sooner"

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.

WARNING: Don't Try to Solve Your Foreclosure Problem Without Reading This First!

This 200 page easy-to-follow guide is designed so that it can be
read and understood by laypersons. It's like having hand-held instruction.

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 in fees that their advice would normally cost you.

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 per each strategy, 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 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 precious time and money (see chapters 11 and 12)
  
  
• How to prepare for loan modification, how to know if you'll qualify, what to expect from your case manager, and what to ask for. Plus, what NOT to do when you get approved and why this mistake often blows loan modification deals in one split second.
  

• What's the real story on the new Government rescue plan? Can it really help you avoid foreclosure? How do you apply? Get expert answers to questions everyone is asking about this program. (see chapter 18)
  
  
• 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 5)
  
  
• 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 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. (all chapters)
  
  
• 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 chapter 16)
  
  
• 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 14)
  
  
• 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 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. You'll not only know exactly what tax forms you'll need to file, I give them to you in the eBook! (see chapters 13 and 18)
  
  
• What new legislation and programs 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 13)
  
  
• 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 6)
  
  
• 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 points 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. (see chapter 8)
  
  
• 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 13, 19, & 20)

And so much more...

Get the information you need now!

This downloadable eBook costs just 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.

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
• Loan modification analysts
• Lease option advisors
• Credit repair specialists
• Financial advisors
• Licensed Professional Counselor (LPC)

These experts walk you through:

• 6 serious problem areas that most people trip over
• 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 ways to better work with your lender and increase your chances of loan modification
• 7 foreclosure scams revealed and how to avoid them
• 4 real-life stories and 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.

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

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.

FREE BONUS: Couples in Crisis eBook inside!

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 lose everything you've worked so hard for. I can show you exactly how to avoid losing everything even if you think your situation is hopeless.

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.

Own this eBook now!

How much is your future worth to you?

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 for only $47.00.

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?

How much money do you think you'd spend consulting with different experts and trying different services?

How much precious time do you think you'd waste when you stand to lose so much if you run out of time?

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 associated with your foreclosure.

Believe me, $47.00 is worth putting your frantic search for help to an end. Heck ... that's less than a tank of gas for most people. In fact, the cost of all these experts at your side is about the cost of one trip to the movies and popcorn for a family of four!

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.

I am so sure that this eBook will help you face foreclosure with more clarity and confidence that I give you a 100% guarantee.  

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

Don't delay. Whether your foreclosure date is already here, or you're just not sure if you can make your next mortgage payment, you can postpone your foreclosure and possibly avoid it altogether. But ... there is no time to waste.

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 $47.00, you will be taken to a special download page where you will simply click to download the eBook along with your free gift - the "Couples in Crisis" mini eBook.  

Guaranteed to help you

Let this eBook show you how to survive foreclosure - or avoid it altogether!

All the best,

Elin Bullmann

Author, Loan Modification Counselor, and Instructor of How to SURVIVE Foreclosure - or AVOID it Altogether

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