Dear Distressed Homeowner,
If you're reading this, it's probably because you're going through one of the most frightening and overwhelming events of your life.

The impending Foreclosure on your home.
It's never easy. In fact, chances are you're being bombarded with a bunch of misleading information, confusing claims, and bold faced lies on a daily basis.

Most likely, you're in a panic, exhausted and discouraged. Why wouldn't you be? Because every waking minute of every day…

You are desperately scrambling to figure out how to climb out of the financial mess you're in. That's why this could be the most valuable consumer awareness report you'll ever read.



You see, it's not your fault you're in this mess. The vast majority of homeowners who can't make their payments stumble into hard times by a cruel twist of fate. The cold hard fact of life is the vast majority of Foreclosures happen to the hardest working people on the planet… good people just like you.

Which Of These Common Reasons For Foreclosure Did You Fall Victim To?
• Over-inflated, “pie-in-the-sky” false promises of some mortgage brokers who just wanted to make a quick buck.
• The heartbreak of an unexpected divorce, and the accompanying financial devastation of trying to stay afloat both emotionally and financially.
• Unforeseen medical problems or disabilities that drain every penny you have for treatments, medications, hospitalizations, and procedures. How can you make a choice between your house and your health, or the health of a loved one. But the banks don't care, and neither will litigating attorneys representing the Foreclosure lenders.
• The shock of unemployment when your job suddenly evaporates. You've worked hard day in and day out, but the “company bottom line” doesn't care. You're expendable, replaceable, and GONE for good from their payroll.
• A Business deal gone bad or a business partner who caused your company to go out of business, took all the money and left you out to dry.
• Deceptive adjustable rate mortgages that suddenly send your payments soaring beyond what's possible.
• Or a tragic event, such as the sudden death of a family member, accidents, or a diagnosis of a terminal disease. Sometimes things are so far beyond your control, there's nothing left to do but try and pick up the shattered pieces so you can begin to recover and move forward.

Add to that the lies and deception of “greedy people” out there who don't care what happens to you, and it's enough to make you sick. And though it may seem like small comfort at the moment, you're not alone. In 2008 Foreclosures were up over 50% and this number is expected to increase in 2009.

It's a national epidemic and it gets worse every day you do nothing. You might feel like crawling into bed and pulling the covers over your head. But that would be the most expensive mistake of your life.
Because the clock is ticking and valuable time is running out. You simply can't afford to remain paralyzed in fear, like a deer caught in the headlights. The minute you miss even one payment, make no mistake…You Start Getting Bombarded With Letters and Phone Calls from Creditors, Attorneys, Investors, Realtors, Mortgage Brokers and the Foreclosing Lender and it Can Be Overwhelming
You can't outrun them. You can't ignore them. And you certainly can't hide from them for long. And you didn't work this hard all your life to passively wait until “they” rip you to shreds and leave you with nothing.

You're A Survivor And You CAN Take Proactive Steps To Find The Smartest Solution For Your Particular Situation.
 And you don't have to do it alone. There's a shoulder to lean on, and a guide to lead you safely through the mountains of false promises. There IS hope…a way to save yourself (and your family) and get your life back on track as fast as possible. And here's the best part… It Won't Cost You Anything and You Can Get Started NOW!

 Imagine the overwhelming relief when you finally PERMANENTLY and QUICKLY get out of the financial mess you're in right now…
• Without spending money you don't have
• Without public embarrassment or humiliation
• Without any more emotional pain, stress, or sleepless nights
• Without dragging your kids through upsetting chaos and confusion
• Without ending up in a worse financial jam a few months from now
• Without destroying your credit beyond repair, so you CAN have the good life you deserve

The first thing you need to know are these “8 Most Common Mistakes Homeowners Make...And How To Avoid Them”
The 8 Most Common Mistakes Homeowners Make...
And How To Avoid Them.

MISTAKE #1: Thinking it's too late. There's nothing you can do anyway, and you're “only one or two payments behind” so you may as well wait and see what happens.
It's easy to sink into depression and come to a grinding halt when you feel like things are closing in on you. But this is the worst possible mistake you could make.
You've got something working against you that no amount of effort can bring back: TIME.
The longer you wait to “see if things will work out”, the greater the chance you will be left with FEW or NO options at all. Don't wait until the sheriff is literally pounding on your door to throw you and your family on the street. Don't watch a bad situation turn into a public humiliation you (and your family) will never forget.
IF YOU TAKE ACTION NOW, THERE'S AN EXCELLENT CHANCE OUR PROFESSIONALS CAN HELP YOU.
 It's just that simple. Make one simple decision to take action, and one of our professionals can find the smartest solution for your particular situation.

MISTAKE #2: Thinking your friends, family, or attorney know what's best for your situation, and will give you sound advice.
 Maybe you're already thinking that the smartest thing you could do is sell your home, stop the Foreclosure once and for all, and make a fresh start. Getting from under your debt and restructuring your payments and living situation
But your friends, family, or attorney are in an uproar over this idea. They're on the phone or stopping by, urging you to “hang in there”. But tell me this…
• Are they there with the money you need to stop the madness you're caught in?
• Are they ready to step up to the plate and bail you out, no matter what it takes?
• Can they immediately send enough cash to your lender to bring the Foreclosure machine to a grinding halt?
I'd be willing to bet the answer to these questions is “No.” No matter how well-meaning they may be, they are simply not equipped to give you the kind of urgent assistance you need right now.
Remember, this is all about you, not them. We urge you to understand your options, and make an educated decision that works best for you and your family.

MISTAKE #3: Thinking the lender will work with you to get you out of this mess.
 Sometimes the lender offers you a way to delay your payments. It's called forbearance. They'll act like it's a reasonable solution. But guess what? It's never going to be reasonable or fair for YOU. It's only going to stall things for a little while, and put even more money in the bank's pocket.
You see, the way the bank works this in their favor is to tack on hundreds or thousands of dollars MORE to your monthly payment. After all, they want their money paid back and you've gotten behind in your payments.
This means your payment will be MUCH HIGHER than it was before. If you can't afford your payments now…how are you supposed to afford higher payments as a way to “help” you? If you decide to go with this kind of arrangement, you should insist they spell out in writing exactly what the new payments will be.
You must understand this…
Statistics show that approximately 85% of homeowners in Foreclosure do NOT make even the second payment with a forbearance plan.
The lender already knows the odds are AGAINST you with this arrangement right from the start, and your problem will be back more ferociously than before. But they want as much as they can get. You'll end up burning through every last penny you have, and STILL lose your home.
But that's not all… The bank may tell you that if you sign a document called a DEED IN LIEU, you won't have a Foreclosure on your record. This is probably one of the worst things you can do in your situation. Why? Because what they are really asking you to do is VOLUNTARILY FORECLOSE.
Don't be fooled by this seemingly harmless suggestion. Your credit report and personal record will clearly read DEED IN LIEU, a creditor's secret code for VOLUNTARY FORECLOSURE. This will NOT help you. It is strictly for the lender's benefit because it effectively eliminates the cost of them having to go after you with a formal Foreclosure proceeding. All is well and good for the bank, but YOU will still lose your home, PLUS your credit record will be permanently scarred.

And sadly, do not for an instant think the lender will care if you are disabled, ill, or have a house full of kids who need a roof over their heads. The unfortunate harsh reality is the lender owes it to their share holders, to focus on the bottom line and recouping their investment.
In most states, once the house goes into Foreclosure, the sheriff will show up at your home and order you and your family to vacate the property immediately.
The good news is, we are here to make sure this doesn't happen to you!

MISTAKE #4: Thinking that listing your home with a realtor will get your house sold fast and solve your problem.
Most people think that the person with the real estate license an “expert” at selling houses and can get it done quickly. Maybe you even think the only way you'll ever get your home sold is to list it with a realtor. Nothing could be further from the truth.
Fact is, realtors are NOT required to receive any formal training on HOW to market and sell a home quickly. Getting a real estate license is basically a matter of passing a couple of tests about the laws and requirements for home sales in your state. That's all. For all you know, they barely squeaked by on their final tests, and now they're in business.
Your house is just another listing to them. The sum total of their effort to sell may be putting a sign up in your front yard. And in the meantime, if you come up with someone who would be willing to buy the house from you and stop the Foreclosure, you're still obligated to work through your real estate agent, and pay them a hefty commission.
That means if you've lowered the price to get it sold, you may have to come up with thousands of dollars you don't have, to pay the realtor! This could actually prevent you from selling your house, and stopping the Foreclosure.
Even worse, the chances are slim to none that the deal would go through BEFORE your Foreclosure auction date. Escrows typically run 40-60 days to closing. You simply do not have the luxury of that kind of time.
This problem can be overcome by working with an experienced Foreclosure Prevention Realtor Professional like House Everything. You benefit from the working relationships that we have established with lenders. These lenders are willing to work quickly with us to stop the Foreclosure.
In other words, we'll take the risk and put up the money to buy enough time to negotiate with the lenders. You will NEVER find another real estate agent who is able to do this for you.

MISTAKE #5: Thinking a Mortgage Broker will refinance your home and everything will be fine.
Frankly, when the going gets rough, it's you, the homeowner, that's left holding the bag.
You see a few years ago, many homebuyers bought homes with risky loans at 90% to 100% loan to value. In other words, they were over extending and over leveraging themselves and the mortgage brokers and banks were encouraging them to do so. But what happens when money gets tight? You run up consumer debt. Maybe you've even had to pay essentials like groceries, car payments and utilities with credit cards. Pretty soon there is no more money to borrow on credit to pay the bills so the mortgage payment falls behind and then the house goes to foreclosure.
A recent article in the Washington Post said “State and Federal regulators place much of the blame for the Foreclosure problem at the feet of mortgage brokers and bankers, who have crafted ever-riskier ways for Americans to buy homes.”
It's not your fault if you are on your way to Foreclosure because of the “lies” or practices of a mortgage broker. If your house goes into Foreclosure, they are not out a dime. And if you're already up to your neck in the Foreclosure process (which you may very well be even if YOU don't know it yet), there isn't a conventional lender in the world who is going to lend you money once your in Foreclosure. The possible loans that you will be looking at will come from secondary banks with unfair terms and high payments.
Even if you don't know you're on the way to Foreclosure, the Mortgage Lender “SHARKS” do know this. It's a matter of public record, even if you've only missed three payments.
They may approach you with enticing offers of a “Foreclosure rescue” or a “bailout” with a new loan.
WARNING! These offers are very rarely honored. In fact, you will find that your payment will INCREASE.
Take the case of a woman named Cynthia Boyd...
According to the Washington Post, Ms. Boyd got sick and suddenly couldn't make her mortgage payments. She asked her lender for help, but they had already sold her mortgage to another lender. Soon her monthly payment DOUBLED because of the rapidly accruing penalties. Plus, she still owed $10,000 in back payments and attorney fees. To make matters worse, the sheriff's office that came pounding on her door tacked on an additional charge of $4,000!
Don't make the deadly mistake of throwing good money after bad. Our professionals can help you safely navigate through the confusing jargon and process of Foreclosures, so you can quickly get a fresh start.


MISTAKE #6: Thinking filing for a Chapter 13 Bankruptcy will erase your bad debt and solve the problem once and for all.
 It's absolutely correct that a Chapter 13 Bankruptcy will temporarily stall the Foreclosure proceedings. However, THIS IS ONLY A TEMPORARY SOLUTION.

Many debtors in your situation literally bet the farm and spend their last cent to have an attorney file bankruptcy. Imagine the shock of realizing you're still going to lose your home anyway.
* Important Note: We are NOT attorneys and we are not giving legal advice. But we've seen this happen time and time again. You can literally pay out thousands of dollars to an attorney, and still end up with nothing.
You have to ask yourself, is it worth the last few thousand dollars you may have to your name? The average attorney fee for filing bankruptcy as a home owner is at least $2,500, paid in advance. Federal law requires you to pay for a class on bankruptcy before you are allowed to file bankruptcy.
And the attorneys are very happy to take your money, knowing full well that TWO-THIRDS of their bankruptcy clients will still lose their homes to foreclosure!

And having a FORECLOSURE on your credit report is the worst possible scenario for your future…it is far WORSE to let your home go into Foreclosure than ANY other negative credit situation.
Yes, the Federal courts will protect you temporarily from your creditors. But the fact remains you must still establish a payment plan for your home that includes the back payments, attorney fees, sheriff's office fees, and any other fees the lender may have stacked on.

Plus, on October 17, 2005, Congress passed the toughest new laws governing bankruptcy since 1975. It is now more difficult to simply “file for bankruptcy”, and according to CNN, attorney fees are expected to skyrocket
For example, there are new requirements requiring you to obtain credit counseling (and it's not free. YOU must pay for it!). Your attorney must document every aspect of your finances, driving legal costs up even higher. In fact, many attorneys are now jumping ship on representing the “average person”) in bankruptcy proceedings, due to the soaring costs of time and effort.

If you cannot afford a much higher monthly payment on your home, you might want to reconsider plunging headfirst into bankruptcy. Remember, your bankruptcy will be a matter of public record for ten years. It's well worth avoiding this choice if at all possible. House Everything can help you with alternatives to bankruptcy that will get your creditors off your back, and clear the way to a fresh start, at absolutely no cost to you.

MISTAKE #7: Thinking your credit is damaged way beyond repair, so it doesn't matter what you do now.

Here's the facts.
 In most states, the formal “Foreclosure” takes place at the court hearing where the Judge grants the lender the Foreclosure. (In Texas, Georgia, Alabama, Tennessee, Virginia, and Missouri your credit report will not show a Foreclosure until after the sale by the lender).
So until the judge grants the lender the Foreclosure, you are considered to be in PRE-FORCLOSURE. This means you are on your way to Foreclosure, BUT YOU DO NOT HAVE IT ON YOUR PERMANENT RECORD YET.
At this point, your credit report will show late payments (derogatory) on your mortgage.
It might say something like this…
90 Days Past Due - 2 Times
60 Days Past Due - 3 Times
30 Days Past Due - 4 times
Of course, this isn't good. But is it vastly different than seeing this stamped on your credit report… FORECLOSURE

 When you work with a trained Foreclosure Prevention Professional, they will negotiate with the Foreclosing Lender, and other Lien holders to get your home sold by ethical means, and thus “PAID OFF” before it goes into a full “Foreclosure.”
This is generally the very best way to protect your credit for the future, plus retain your dignity.
And here's the good news…
When you work with an experienced, reputable Foreclosure Prevention Professional, you can potentially minimize the scar on your credit record.

Here's how it works…
 Credit is NEVER damaged “beyond repair”. No matter how bad your credit is, or how low your credit scores are, you can improve your credit and increase your credit scores.

Here's how you start.
 1. First of all, you must order all three of your FICO scores. Order them from www.myfico.com/12. You cannot get your FICO scores for free, so do not get generic credit scores from one of the many websites that offers them for free. You must get FICO (Fair Isaac Corporation) scores. And you must get all three of your FICO credit scores (one from each of the credit reporting agencies).

2. On each one of your credit scores, look for your negative reason codes.
Each FICO score will have four negative reason codes listed. These negative reason codes tell you EXACTLY what you need to do to increase your credit scores. They are listed in the order of importance. So, start by fixing the top reason code for each score.

3. Hire a law firm to help you dispute inaccurate, incomplete, misleading or unverifiable items on your credit reports. There's only so much you can do by yourself. Having a law firm that specializes in dealing with credit can help you in your quest to improve your credit quicker than you would be able to on your own.
Your Foreclosure Prevention Professional can help you get back on track, quickly, easily, and without any expense to you and even guide you to a reputable law firm.

MISTAKE #8: (THE BIGGEST MISTAKE OF ALL) Thinking that just “giving up” and letting the house go to FORECLOSURE is the easiest and best solution.
 It's time for you to decide if you truly want to take control of your own destiny…or be at the mercy of somebody else's decisions for your life.
There simply isn't any “one size fits all” fix for every Foreclosure situation. That's why it's very important for you to schedule a consultation with us. That way one of our highly trained Foreclosure Prevention Professionals can review your situation and provide you with the best possible solution for your particular situation.
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