How to Survive Foreclosure or Avoid it Altogether |
| Name of book: | How to Survive Foreclosure or Avoid it Altogether |
| Author: | Elin Bullmann |
| Author bio: | The author is a Loan Modification Counselor. |
| Blurb: | The best advice from every expert you'll need on your side - attorneys, CPAs, short sale specialists, loss mitigators. Inside secrets to avoid the Most losses during and after foreclosure. |
| Price: | $45.99 |
| Book Website: | Get Ebook Now |
| Description: |
- With "How to Survive Foreclosure or Avoid it Altogether" 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. Just cut, paste, and type in your unique information where it tells you to. 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 from every expert you need at your side to minimize or avoid loss.
- 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. 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 (see chapter 10)
-Use one of several actual hardship letters (or parts from all of them) to write your own hardship letter in seconds. Simply cut and paste the text into a new Word doc and edit in your unique situation and numbers (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 will help you settle for a fraction of what you owe on a Home Equity Line of Credit (HELOC) (see chapter 10)
-How to settle high credit card debt you may have run up to cover your living expenses during financial hardship - or for whatever reason. The inside scoop on how to settle for 40% 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 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 (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 (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% (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 (see chapters 13 and 18)
-What new legislation and programs can help protect you and get you moving forward faster (see chapter 13)
-Why your loan payments doubled or even tripled (see chapter 6)
-How to make sure you are getting the best loan and mortgage rates possible, and how to avoid being taken advantage of by jacked-up points and commissions you didn't even know to look for (see chapter 6)
-What you can do to keep your relationship intact during foreclosure and any other crisis you'll encounter in your life. (see chapter 8)
-What to do when it's all over. How to repair your credit and ways you can rebuild your life faster. (see chapters 13, 19, & 20)
And so much more.
- 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:
-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.
- Price: $45.99 - Get Ebook Now
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How to Survive Foreclosure or Avoid it Altogether
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