How To Stop Real Estate Foreclosure


(a)  Information on this site relates principally to the United States market.

(b) Commercial Adverts, Products and Articles on this site may meet your needs To fight/avoid foreclosure or

(c) for those who seeking out Resources In Order To Deal In and "Profit" - From Real Estate Foreclosures.

(d) If you are Currently in Danger of Losing Your Home To a Potential Foreclosure action then go to the Govt site info at Foreclosure Tips below. 



A Home Owners Nightmare Sweeping The US And Beyond 

"Foreclosure" A home owners nightmare currently sweeping the US and beyond  as result of, principally, the "Sub-Prime Mortgage"  market collapse. A  market designed by skilled "Gamblers" who, unlike their lesser counter parts playing a straight  "Game of Chance" in the Nevada casinos - Set out to established a game, to be backed by vast sums of international money, and, where the principal players could only win irrespective of any monies lost by their organizations at the end of the day. 

Recent news articles report that "The FBI's investigation of sub-prime lending practices could take a long time, officials say" - The SEC has opened about three dozen civil investigations into the sub-prime market collapse" A FBI spokesman has indicated they now have "34 mortgage fraud task forces and working groups that included other federal agencies and state and local law enforcement officials" and that "We consider it a significant and growing crime problem" 

So What! at the end of the day, apart from a few "Fall Guys" to feed the media and public needs,  the real parties responsible, financially able to buy the best in legal representation, will remain  free to sit back to enjoy their gains. Or, perhaps not so this time.

As the full realizations of the effects of the massive negative financial impact on the US economy sweeps the population and its ongoing effects world wide most will appreciate that we are entering into very new era with new economic giants entering  the world arena. Some of these financial giants have already provided "bail Out" monies to US financial institutions and no doubt will provide more throughout the coming years(s). 

They are not doing it for love. Self interest and investment? yes. As new masters with major interests they may not be conducive to a future repeat performance of such financial set back and are expecting some sign of serious action by the US. One must wonder at how might the Peoples Republic of China or some of the Arab states deal with persons who were responsible for wrecking their economy. It was not to far past in history when the description for such action was called "Treason"

Many, Mr & Mrs decent Americans  may lose not only their homes but also possibly their saving and investments to institutions who were once pillars of good ethics, responsibility and ethical standing. 

While untold number will effectively be "losers" to this fiasco there will, by the law of nature, also be some "Winners" As in the great depression of 1929 there were those who emerged with greater strength and wealth and, so to will it be again.

The Brief thoughts of an old None US Fella  

Foreclosure Tips 

Extracted from The US Department of Housing & Urban Development site (HUD).

Are you having trouble keeping up with your mortgage payments? Have you received a notice from your lender asking you to contact them?

* Don't ignore the letters from your lender
* Contact your lender immediately
* Contact a HUD-approved Housing Counselling Agency
* Toll FREE (800) 569-4287
* TTY (800) 877-8339

If you are unable to make your mortgage payment:

1. Don't ignore the problem.

The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house.

2. Contact your lender as soon as you realize that you have a problem.

Lenders do not want your house. They have options to help borrowers through difficult financial times. 

3. Open and respond to all mail from your lender.

The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court.

4. Know your mortgage rights.

Find your loan documents and read them so you know what your lender may do if you can't make your payments. Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting the State Government Housing Office. 

5. Understand foreclosure prevention options.

Valuable information about foreclosure prevention (also called loss mitigation) options can be found on the internet at

6. Contact a HUD-approved housing counsellor.

The U.S. Department of Housing and Urban Development (HUD) funds free or very low cost housing counselling nationwide. Housing counsellors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance. Find a HUD-approved housing counsellor near you or call (800) 569-4287 or TTY (800) 877-8339.

7. Prioritise your spending.

After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses-cable TV, memberships, entertainment-that you can eliminate. Delay payments on credit cards and other "unsecured" debt until you have paid your mortgage.

8. Use your assets. 

Do you have assets-a second car, jewellery, a whole life insurance policy-that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don't significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home. 

9. Avoid foreclosure prevention companies.

You don't need to pay fees for foreclosure prevention help-use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month's mortgage payment) for information and services your lender or a HUD approved housing counsellor will provide free if you contact them.

10. Don't lose your house to foreclosure recovery scams!

If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a trusted real estate professional, or a HUD approved housing counsellor.

Visit The US Department of Housing & Urban Development site (HUD) for further information.


"Here's How To Stop Foreclosure And Save Your Credit In 9 Days Or Less"

I'm About To Show You Step-By-Step Instructions For Stopping Your Foreclosure. -Secrets That Overpaid Loan Officers, Mortgage Brokers And Real Estate Investors Don't Want You To Know About Stopping Your Foreclosure.

Stop Foreclosure!

Learn Techniques And Remedies That Stop The Foreclosure On Your Property. Information That Has Been Hidden From Us For Over 75 Years

Use little known ways that can effectively save your home from FORECLOSURE  Ways that Attorney's can't tell you

Foreclosures - Information Articles 

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How to Sell Your House Fast Before Foreclosure
24 Jun 2015 at 6:22am
Being foreclosed on is not a pleasant event, and it can haunt your credit score and make it unbearably difficult or even impossible to get a mortgage loan over the next seven years. Seven years! To prevent this kind of credit catastrophe, one of your best options to consider is selling your home. In many situations though, you'll need to do this quickly in order to prevent being foreclosed on. While foreclosure is a process that can take a few months to a year to happen, selling a house can also be a bit of a lengthy process as well, so you should start thinking sooner rather than later, "I need to sell my house fast!" If foreclosure is coming and you know it, read on to minimize the damage to your financial future.

Avoid Foreclosure - A Few Alternative Ways
15 Jun 2015 at 9:37am
How to avoiding Foreclosure is one of the most common questions of home owners. So, here are some easy ways, which you can consider for avoiding foreclosure.

How Long Does a Foreclosure Usually Take?
8 Jun 2015 at 10:58am
Foreclosure is a process with few absolutes, including no absolute start-to-finish time frame. Consider your own pre-foreclosure timeline. You may have agonized for months over how to make each mortgage payment, possibly underpaying a bit, and finally choosing food or medical care over the mortgage.

What to Expect After a Foreclosure
8 Jun 2015 at 10:57am
The "Great Recession" may be the first great misnomer of the 21st century. What was so "great" about it? An estimated 6.7 million Americans lost their homes since 2006, and another 800,000 may still lose their homes by the time all delinquent mortgages are settled. Perhaps you are one of these millions who face losing your home to foreclosure.

Short Sales And Related Issues
27 May 2015 at 8:49am
Short sales have grown to become more prevalent simply due to the fact we have been in a recovering economy. They happen when a homeowner cannot maintain keep the mortgage current along with other financial issues.

Common Issues With Selling a Foreclosed Property
26 May 2015 at 7:57am
"Foreclosure" is a word that leaves a bitter taste in many people's mouths, yet it is a term that some eventually must come to terms with. Once the property is foreclosed and bank-owned, selling it generally lies in the hands of the bank, and, therefore, some common problems begin to manifest.

8 Steps To Rescue Your Home From Property Foreclosure
18 May 2015 at 6:32am
In this high-strung real estate market, securing your beautiful home can be a herculean task. While you are busy building your dream home, the mortgage rates are soaring high. If you miss making a couple of payments, your property is likely to undergo foreclosure. Here's how you can save your home in such an instance.

Advantages and Disadvantages of A Real Estate Foreclosure Sale
6 May 2015 at 7:04am
When people buy a home, they usually do so with a mortgage. A requirement of having a mortgage is that buyers the payments on time every month for the life of the loan. If they don't, the home will eventually fall into foreclosure, and the bank will take control over it. The bank will eventually sell the real estate using a foreclosure sale. For buyers, foreclosure sales have some advantages and disadvantages.

8 Undisclosed Hazards When Purchasing Foreclosure Homes
1 May 2015 at 12:35pm
Purchasing a foreclosure home may appear to be a deal of a lifetime. What could be better than buying a home for a portion of the market value? Many individuals believe that some of these homes may even be too good to believe.

3 Secrets To Gaining Profits From Property Foreclosures
16 Apr 2015 at 6:48am
Borrowers usually dread reaching the property foreclosure stage of a loan transaction. But what most of them don't realize, is that foreclosures can also lead to profits, if they proceed cautiously. Read on to discover 3 secret to gaining profits from property foreclosures.

After Foreclosure, What's Next?
9 Mar 2015 at 2:18pm
Few things in life are more difficult than dealing with the process of foreclosure. Neither party wants to have to engage in a foreclosure but lenders have to protect their investment in any way they can so sometimes it is an inevitability if the mortgage isn't getting paid in the agreed fashion.

How Long Does the Foreclosure Process Take?
25 Feb 2015 at 8:43am
So now the unfortunate has happened to you and you have no choice but to allow foreclosure proceedings to begin on your home. Now what? How long will this process take? When will you need to leave your home? We will examine the answers to those questions in our article.

HOA Foreclosure Fees
25 Feb 2015 at 8:40am
Home Owners Associations are far more prevalent today than perhaps a few decades ago. Nowadays if you buy a condominium or a townhouse or even many average single-family homes; like it or not, you will most likely be a part of an HOA community. That means there will be various fees that you will need to pay on top of your mortgage. So what happens when your home is foreclosed upon? What fees can you expect to owe to your HOA? We will proceed to discuss this subject right now.

What Appliances Do I Own After a Foreclosure?
25 Feb 2015 at 8:37am
Let us say the unfortunate has happened to you and despite all of your efforts your home is in foreclosure. What are your rights as far as what you are allowed to take with you? Can you take all of the appliances? Can you take lighting fixtures or perhaps fancy sink and faucet sets you paid for yourself? We will attempt to shed some light on this topic and help you determine what you are and are not permitted to take when your home is foreclosed on.

Federal Programs to Stop Foreclosures
25 Feb 2015 at 8:36am
Are you dangerously close to foreclosure proceedings on your home? Are you feeling like there is no help for you and that you will lose your home? Well, fear not! There are now a number of United States federal programs available to such homeowners now. We will discuss some of them here. Perhaps one of these options will offer you a viable way out of your current situation.

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