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how to survive foreclosure or avoid it altogether

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Abstract

stop foreclosure




Stop Foreclosure!
Or You Could Lose Much More Than Your House

Here are strategies that work from top experts - what to do and NOT to
do
so you can avoid foreclosure and cut your losses

Even with the new "Rescue/Bailout plan" and loan modification programs,
the skyrocketing number of foreclosures will continue to devastate
millions of people personally and financially. One in seven households
are in default or foreclosure. But this pain and great loss does NOT
have to happen to you.

Are you one of these homeowners:


[_]
I'm struggling to make my house payment every month or I'm already
going into default or foreclosure. I don't know what to do and just
wish it would go away...
[_]
I hear about so many people who stop foreclosure AND get incredibly low
rates from a loan modification. I want one too, but I don't know
exactly how to do it and don't want to blow my chances...
[_]
I wish I could prevent foreclosure, but I don't even care anymore. I
want to walk away but I'm nervous that I could get into even more
trouble - like the bank coming after me with a lawsuit for repayment or
a big tax bill...

If you checked any one or more of the above concerns, then this article
could be the one place you finally find help and real answers to
prevent foreclosure. You really can stop foreclosure and move on.


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

Believe me because I've helped so many people get out of foreclosure,
especially through successful
loan modification, that you are certainly not alone in feeling the fear
of foreclosure. The rising fears among homeowners who are facing
hardship 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.

Everyday, another household is on the brink of foreclosure. Why? A
sudden loss of job or income ...
a mortgage that's no longer affordable ... drowning in high expenses
... needing to sell a house but can't ... injury or illness that
resulted in big medical bills ... having rental or investment
properties that are upside down ... buried in debt that's built-up over
time.

All of these situations can easily put you in danger of foreclosure and
change you and your family's life as you know it overnight.
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 financial hardship
that could lead to foreclosure.

Don't let fear and bad information get in your way
to stop foreclosure and move on

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 usually conflicting and incomplete and
makes trying to solve a foreclosure problem even more confusing.



"Your Help Saved My Life"

"What can I say but that you saved my life? I felt like no one could
help me and I didn't know where else to turn. I felt like I was
drowning.

We were so overwhelmed by all the expenses and foreclosure threats from
our bank that we'd given up. We were angry. Fine, you can just have it
back! But we were very sad about it.

When I talked to you and you helped me through my modification, it was
like a miracle. You saved my house and $600 a month! I still can't
believe someone actually knew what to do and could turn my situation
around within a month."
--Theresa C., San Diego, CA

*NOTE: All testimonials are from actual people who used the eBook
and/or one-on-one help from Elin Bullmann; their original letters are
on file in our office.

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 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 out there - it's
no wonder people stick their head in the sand and give up. But ... if
you do this, I can absolutely promise you that you'll lose way more
than you had to.

Often a foreclosure can cost you way more than just your house. One of
all of these other problems can happen and end up being more painful
and costly than the foreclosure itself!
* Legal problems and future lawsuits...
* Other creditors that come after you for repayment (like Home Owners
Associations, your second mortgage lender, etc.)...
* Great financial loss after draining your savings (and even IRA
accounts) to stay afloat or pay for mortgage(s) you can't afford...
* Fines, fees, and tax penalties that you weren't expecting...
* Credit damage for years, and the spending limits of the credit
cards you now have in your wallet being slashed to almost nothing
or taken away...

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 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.
However, there are multiple ways to postpone foreclosure while you get
strategies in place.

There are actually many ways there are to avoid foreclosure and even
come out ahead ... such as with loan modification that could not only
save you from losing your house, but make your payments so low, you
save hundreds - even over a thousand - every month!


"You were a life saver..."

"I can't thank you enough for helping me get a loan modification. It's
hard to believe I'm paying $1,300 less for my house and that my payment
is fixed. Thank you so much for getting me and my family out of these
really confusing and scary times."
--Stacey, Bend, Oregon


stop foreclosure in Florida Sound too good to be true? It's absolutely
true. In fact, I've succeeded in getting 100% 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 that make all the difference 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 modification,
you're more likely to get yours approved and save thousands every year
with lower payments!

In a hurry? Get this eBook that tells you all the ways - step-by-step -
you can get out of foreclosure, including how to significantly increase
your chances for loan modification.

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, succeeded
in many modifications, and short sales. i not only survived
foreclosure, but avoided other foreclosures and losses I would have be
dealt if I didn't have the right information and help.

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.

"I Wish I Had Your Advice Sooner"

In the time that I've helped so many 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."

When my husband, Ken, and I found ourselves facing foreclosure, we were
way in over our head. We had no idea how to start deal with all the
problems our hardship was causing. 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 our primary home or
our rental house ... 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!
We felt so alone in such massive problems.

There was no way I was going down - I had worked too hard for what I
was about to lose (savings, my house, my credit, my sanity!). That's
what got me to shift my search for help. I knew someone out there had
to know how to get me out of this!

Now after years of research and working directly with trustworthy
experts on loan modification, short sale, tax, legal, and other
strategies from experts who help people avoid foreclosure.
About the experts

After I had documented every bit of the best advice this entire team
had - telling me things that no one else would and wasn't written
anywhere - I continue to this day to update the eBook every month after
I check in with the latest information.

Together, these experts and I compiled all of legal, financial, tax,
credit and information and strategies you need to stop foreclosure;
plus all the forms, charts, timelines, and links to get even more help
that you need when you're facing foreclosure. This is still the only
resource that has all of the best in what to do and what not to do - in
one place. It's in the form of an eBook (electronic book that can be
instantly downloaded to your computer) so I can keep it up to date and
add more and more information.

For example, did you know you're allowed to make some of your house
payment but not all of it - and still keep your house? Attorneys don't
even tell you this or explain 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.
Even today, I am absolutely floored at what "experts" tell people to do
- they leave out so much that could cost someone who is in danger of
foreclosure so much.

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 - 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!

stop foreclosure in Texas

Get this eBook now!

This
220 page, easy-to-follow guide is designed 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! How to increase your chances so you
not only qualify for loan modification, but get in on record low
rates. Plus, what to expect from your case manager, what to ask
for, what NOT to do when you get approved, and why one common
mistake can blow a modification offer you had in your hands in one
split second.

* The Making Home Affordable program and how to know if this is for
you. How to apply and common issues? (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 - by
law -to stop calling you! I give you a template that you can simply
copy and fax to your bank immediately. (see chapter 5)
* What to do when your second mortgage lender threatens to
foreclosure on your house. How to outsmart your second mortgage
lender and determine your risk if you're 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 up to a year or more - with
no payments - while you work out a long-term solution. How to walk
this fine line without getting yourself into more trouble. (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%.
You'll get the insider information and expert tips on what makes or
breaks a short sale. Plus, find out how it won't cost you a dime to
get help from the top experts in the country to work your short
sale for you. (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 and when, I include them in the
eBook so you can simply print and complete them with 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
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 getting stuck in a bad
loan ever 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. This
information applies more to normal market conditions, but 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
you can rebuild your life faster ... so you and your family can
move on and get back to normal more quickly. (see chapters 13, 19,
& 20)
* And so much more! See Table of Contents


"It cleared up the confusion..."

"I have read your book and it is great! It was exactly what I needed to
help me figure out what to do ...
I highly recommend it to anyone who needs to quickly get up to speed on
foreclosure and what to look out for. It cleared up the confusion about
foreclosure laws, taxes, and especially about loan modification and
short sale. I wasn't interested in bankruptcy, but that chapter was
easy to understand and impressive because it was like bankruptcy
education
in a box!

I would have spent thousands of dollars for the same advice that I got
in just a couple of days reading this book. The information was so good
and there was so much of it, that I found myself ripping through it
over and over as I took notes on what to do in my own situation.
--Ken P., homeowner, Northern California

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 experts who help people get through
their foreclosure-related problems every day.

In one place, you'll have everything you need to know from every expert
you need to ask, including:
* 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 short sale and foreclosure
postponement
* Senior mortgage consultants
* Loan modification advisors, case managers, and analysts
* Senior VP's from Bank of America and a senior mortgage consultant
from Chase Home Loans
* Lease option experts
* Credit repair specialists
* Financial planners
* Licensed Professional Counselor (LPC) (You get Couples in Crisis -
a free mini eBook from
"The Relationship Doctor" when you get How to Survive Foreclosure
or Avoid it Altogether)

These experts walk you through:

* 6 serious problem areas that most people get stuck in
* 35 legal issues you must know when considering foreclosure, short
sale, or bankruptcy
* 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 misconceptions and how you can increase your chances
for approval
* 19 credit damage facts and top 10 ways to repair your credit fast
* 32 ways to get through this and any other crisis without losing or
damaging your relationship
* 27 mortgage facts no one tells you; how to never get yourself into
a bad loan again
* Over 100 ways to increase your chances for loan modification
* 7 foreclosure scams revealed and how to avoid them
* 4 real-life stories and how others avoided foreclosure

FREE BONUS: Couples in Crisis eBook inside!

stop foreclosure in California 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 this - a resource equal to 4 hours of
counseling advice and exercises (worth $300) absolutely free when you
order the eBook.

Bob Grant, a Licensed Professional Counselor and author for over 20
years, wrote an entire "mini" eBook called Couples in Crisis devoted to
helping you deal with crises and keep your relationship intact ... and
maybe even 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.

stop foreclosure in Texas 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 team of
experts that helped me.

Chapter 16 gives you the background, credentials, and contact
information of most of the experts 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 provides 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 anywhere else.

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. This eBook shows 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) say, "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, what opportunity you're giving up when you walk away,
and how costly that mistake can be down the road.

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 one dinner out for two or a tank of gas!

Believe me, $45.99
is 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! avoid foreclosure
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 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 your 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 $125), but whose
best advice is all included in this eBook.

In fact, the tax advice in this eBook is so complete that 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
certainly ask her a question or two without incurring a charge.


"Your eBook helps more homeowners..."
"...in this market where so many times we're not able to get their
house sold. As realtors, we often feel powerless - like there's no
other way we can help our clients out of a bad situation.
After I read your book and learned that there really are so many things
a homeowner can do to avoid financial hardship and foreclosure, I
recommend your book to my clients as a guide to help them through their
foreclosure-related problems. They tell me it helps them sleep better
at night!"
-- P. Munster, real estate broker of 22 years, San Diego, CA

I am so sure that this eBook will help you through foreclosure 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 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, 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 the eBook along with your free gift - the
"Couples in Crisis" mini eBook.



prevent foreclosure-

All the best,
Elin Bullmann

Author, Loan Modification Counselor, and College Instructor on
How to SURVIVE Foreclosure or AVOID it Altogether

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



FACT...

More than 4 million homes are
now in some stage of default or foreclosure, the highest rate ever
recorded ... and still no end in sight.

With all the adjustable loans out there, another large wave of
foreclosures is likely over the
next 2 to 3 years."
--CNN / NBC, January, 2010


Stop foreclosure in Florida!
Stop foreclosure in Texas!
Stop foreclosure in California!

No matter where you are, there are ways you can stop foreclosure or at
least cut your losses. Get the foreclosure timeline and strategies to
avoid foreclosure here



Get help on loan modification and stop foreclosure



































I help people increase
the chances for loan modification approval!
Call or email me to ask how.
541-388-2156
info@surviveyourforeclosure






Stop Foreclosure | Loan Modification | Foreclosure Experts | eBook
Table of Contents | About | Affiliates | Own This eBook

Copyright © 2008-2010 All Rights Reserved

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