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Abstract

stop 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.

Are you one of these homeowners:

[_]
I'm struggling to make my house payment every month, am already in
default, or have a foreclosure date. 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...
[_]
I am drowning in credit card debt or I have this huge second mortgage.
I've heard banks are allowing people to only pay a portion of what they
owe - or settling for 10 to 20 percent of what they owe! But I'm afraid
to call or have no idea what to say. How can I get out of this debt
once and for all, and not have the bank come after me for repayment?

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.

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...

"You were a life saver..."

"I can't thank you enough for helping me. It's hard to believe I'm
paying $1,300 less for my house and it's fixed for good. What a relief!
Thank you so much for getting me and my family out of these really
confusing and scary times."
--Stacey, Oregon

*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.

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 ...

The threat of foreclosure can change life as you know it overnight.

"We can finally breathe easier
and stop panicing..."

"We got 2% for the next 5 years, then 3% year 6, then 4% year 7, then
4% on years 8-30! That lowered our payment by $450 a month. It's made
all the difference in the world ... we can finally breathe easier and
stop panicing."

Thank you for your help! I know our numbers would not have worked if
not for you laying out every step so clearly for us to follow in your
book! We're so glad we found you and did not just walk away like we
were planning to do."
--Chris and Jennifer, Bend, Oregon

Knowing What To Do - and NOT To Do -
Helps You Lessen or Avoid Loss and Risk

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!
* 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, IRA accounts,
selling stock, etc., to stay afloat or pay for mortgage(s) you
can't afford...
* Fines, fees, and tax penalties you weren't expecting...
* Credit damage for years. Banks slashing the spending limits of the
credit cards you now have in your wallet or closing them competely,
leaving you with no credit to float your spending...

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.

"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 and sad at the same time.
'Fine!' we said. 'You can just have it back!"

After your suggestions got me through to a loan modification, it was
like a miracle. You saved my house and over $1,000 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

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.

Who Am I And Why Should You Believe Me?

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.

"I Wish I Had Your Advice Sooner"

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 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'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.

Every Expert You Need In ONE Place

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.

No Other Resource Like This

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!

stop foreclosure

Get this eBook now

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

"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!

Advice Worth Thousands of Dollars
in Expert Consultation

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.

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)

These experts walk you through:

* 26 serious problem areas that most people get stuck in
* 35 legal issues you must know when considering foreclosure, short
sale, or bankruptcy
* Over 100 ways to increase your chances for loan modification
* 27 tax laws, tips, and must-do's
* 12 ways to hold onto money you should never have to give up
* 18 short sale misconceptions and how to increase your chances for
approval
* 19 credit damage facts and the 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
* 7 foreclosure scams revealed and how to avoid them
* 4 real-life stories and how others avoided foreclosure

FREE GIFT: Couples in Crisis eBook!

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 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.

stop foreclosure in Texas 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.

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 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!

prevent 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? 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.

"Your Book 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 32 years, San Diego, CA

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.

prevent foreclosure-

All the best,
Elin Bullmann

Author, Consultant/Advice Coach, 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.

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.

FACT...

Millions of homes are still in some stage of default or foreclosure ...
and still no end in sight.

With banks having to hold thousands of foreclosures due to
investigations and the number of all loans that will soon adjust up in
payment, many more foreclosures are coming.
--October 4, 2011

Get this free report...
"The 7 Most Costly Mistakes You Do NOT Want to Make During Financial
Hardship to Avoid Foreclosure."

Simply type in your name and email and this information-packed report
will be emailed to you right away.

Name ______________________
Email ______________________
Submit

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

Need help with your loan modification paperwork or knowing what to say
to your bank? I can help!

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"Bank of America finally settled with me! I owe $30,000 and they will
settle for $13,700 - or 45� on the dollar! That's a huge monthly
expense you just helped me get rid of.
What a relief ... Thank you."

Sue M., Bend, Oregon

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