Hi There!

If you are reading this, you are problably 1 of 2 people...

1. You are in advertising, marketing or trying to make money off of the home foreclosure industry.
2. If you are not in the above group, you are problably a person who needs help with stopping your home from being taken away (ie. being foreclosed on).

So, still reading? Okay, 2 things:

a) In reality, a bank does not want to foreclose on you. A bank is not in the real estate game, they are in the loan money and making money on that loan.

Technically, you should be able to talk to your bank, mortgage company, whom ever and be able to negotiate with them --- talk with them and figure it out.

If you can prove you HAD A HARDSHIP (reason why you didn't pay), ARE ABLE TO PAY NOW (you now have money, a job, etc. that you didn't have during your hardship), AND that going forward, you have a plan to not get behind again... you should be able to work something out. A WIN-WIN?!?!

If know one is listening to you, well, try again a different way.

And KNOW This, "Time" is not your friend. DO NOT WAIT. 

DO NOT PUT IT OFF. ACT NOW. Do something TODAY!

BELOW is a great script from Boston Legal (TV show), its a foreclosure case where the good guy (Alan Shore) is defending and helping his friend who's house is in foreclosure.

At Clarence's bank, Alan and Clarence are sitting in front of Doyle Chernack's desk near the teller's counter where almost a dozen patrons are milling about.

Doyle Chernack: Nobody is more devastated about this than I am.

Alan Shore: Yes.

Doyle Chernack: I personally executed Mr. Bell's mortgage agreement. I take enormous pride in being able to help people buy homes. I was extremely gratified to be able to help Mr. Bell buy his. And I am deeply saddened for him to be losing it.

Alan Shore: Yes. Is it any consolation that you're the one taking it?

Doyle Chernack: I wanted this to work. We gave Mr. Bell a no-money-down interest-only two-year-arm at two percent! It was a fantastic opportunity.

Alan Shore: Mr. Chernack, I'm in a bit of a rush so if you don't mind I'd like to cut the crap. As much as you desperately want the best for Clarence it seems you've done him the very worst. You facilitated his buying a house he ultimately couldn't afford. You then continued to raise his rates. What was once two percent is now twelve with a balloon payment coming due, and in the end it seems the bank gets all the money and the house. And instead of the best, Clarence gets nothing.

Doyle Chernack: I take offense to that. Alan chuckles. This man wanted the property and I made it happen for him.

Alan Shore: Oh my goodness. He starts clapping his hands as he stands up, and turns to the patrons. Let's hear it for Mr. Chernack, this year's MVP in the predator lending department!

Two managers come up and try to quiet Alan.

Noris Milk: I'm sorry. Is there a problem?

Alan Shore: Oh no, don't be silly. Just celebrating Mr. Chernack's success with this sub-prime mortgage scam you're currently offering.

Noris Milk: And, you are?

Alan Shore: Alan Shore representing a scamee.

Noris Milk: May we go to my office?

Alan Shore: Unless you're serving drinks with your apology and refinancing offer I think we can settle this in court.

Noris Milk: Oh, I think before you get there you'll want to do your discovery which attorneys typically do. And you'll find Mr. Shore that this sub-prime debacle isn't just victimizing individuals, but lending institutions as well. In fact, over a hundred and sixty major lenders have been put out of business. Many others, including us are simply trying to survive. Our stock prices have gone down 95%. Twenty percent of the mortgages we hold are past due. The bulk of the others haven't had their rates reset yet. And in the next two years, it figures to get worse. But hey, go ahead and sue us. That's what we need. For a lawyer like you to come in and slap us around a little. He walks away.

Alan, Clarence, Melvin and Noris are in the conference room.

Attorney Melvin Palmer: Here's what I'm trying to do Clarence. I'm trying to get inside your head. It's what I like to do. You see, I find the best way to help people with their problem is to experience where they're coming from.That suit you okay my friend?

Clarence Bell: Fine.

Attorney Melvin Palmer: Now, when Mr. Chernack explained this loan...

Clarence Bell: He didn't really explain it.

Attorney Melvin Palmer: Well, you went to law school. Are you telling me that you signed a legal document without understanding it?

Alan Shore: Was it your client's intent to take advantage of him when it turned out he didn't Mr. Palmer? I'm sorry.

Melvin. I keep forgetting we're buddies.

Attorney Melvin Palmer: You know what you are?

Alan Shore: A hoot.

Attorney Melvin Palmer: With a capital H, that's what you are. Now Clarence, you did understand terms like ‘float', and ‘balloon', and ‘piggyback', and... Hell, sounds like a birthday party. That's what that does. But you did understand that your adjustable rate floated with the prime, didn't you?

Clarence Bell: I certainly had no idea the prime would go through the roof.

Attorney Melvin Palmer: Nor did the bank. And nobody expected the housing market to take a dive. I mean we all got caught with our pants down on that one, didn't we Al?

Alan, Clarence, Melvin and Noris are still in the CP&S conference room.

Attorney Melvin Palmer: My point is you can blame us all you want my friend. But nobody saw this coming. Even Alan Greenspan was saying there were no bubbles in the housing market.

Alan Shore: Is Alan Greenspan your good buddy too? I hear he can be quite the hoot.

Attorney Melvin Palmer: Al, I really don't need you to make fun of me.

Alan Shore: No! You don't.

Attorney Melvin Palmer: The simple fact is this was a negotiable contract. He's a lawyer.

Alan Shore: Those are two facts actually.

Attorney Melvin Palmer: What happened to the sub-prime was unforeseeable. What happened to the housing market was unforeseeable.

Alan Shore: When do we get to the win-win part of this meeting?

Attorney Melvin Palmer: This man was never lied to. He made a deal. Now he doesn't like it because it turned out to be a bad deal. So what? He just stops making his payments? It seems to me he deserves to lose the house. You think you can sue and win, Al, even though he flat out breached a contract? I'm asking myself, "What kind of a lawyer would think that?" That's what I ask. But then I remember, you're not so much a lawyer as you are a gigantic hoot. Am I right?

Alan Shore: I may not be much of a lawyer Mr. Palmer but I can see the obvious. Foreclose on Mr. Bell's house and your client will be left holding an asset he can't sell and a loan that will never be paid off. Over the next eighteen months two million of these teaser mortgages are going to expire. And a trillion dollars' worth of loans are going to be called in as interest rates keep taking up and property values keep slipping down. That trillion dollars' worth of debt is going to be secured by houses worth a fraction of that. Keep throwing people out on the street, taking their homes instead of their money and you'll be left with a stock price of zero and a public that's out for blood. Not mine, or his (Clarence) but yours (Noris) and yours (Melvin). You can smell it in the air. Anger and chaos. If Shakespeare were alive today he might say, "First thing. Let's kill all the bankers." Tell me, Melvin, what exactly do you plan to trade on in that courtroom? Your witless grin and home-style cookin'? Or perhaps the bank industry's stellar reputation. The FBI has already claimed mortgage fraud as the fastest growing white-collar crime in America. In some cites even drug dealers have turned to mortgage lending. Profits are high. Death rate is low. Until, of course, people start shooting the suits. I may not know much about law but even a gigantic hoot like me knows cases always come down to emotion. Who do you think the jury's heart will go out to on this one? I've got a man who's lost his home and his entire life's savings. You've got a bank.

Back in the CP&S conference room, the men appear to be wrapping up business.

Attorney Melvin Palmer: This offer in no way represents any admission of liability on our part. He places a paper in front of Alan. But rather the charity that runs through my client's heart. To the Christmas season itself.

Alan Shore: Oh Santa.

Attorney Melvin Palmer: If your client brings his payments schedule current we will hold off on foreclosure.

Alan Shore: He throws the paper back. Rejected.

Attorney Melvin Palmer: What? This, this is a gift!

Alan Shore: Because you're my buddy, yes. And since no gift should go unpunished, these are the terms. He gets sixty days to bring his scheduled payments current and from there on he gets a fixed rate at eight.

Noris Milk: Eight! Why on earth would we...?

Alan Shore: Because you gave him two with the implied promise that it would fluctuate, but certainly not detonate.

Noris Milk: I'm sorry but...

Alan Shore: Not nearly as sorry as you'll be if you take your chances with me in court.

Attorney Melvin Palmer: My friend...

Alan Shore: I am not your friend. I find the possibility of such a friendship vile. Your best hope Mr. Milk is that the first sub-prime lawsuit is brought against you by a buffoon like Mr. Palmer. You do not want the precedent set by me because I will get you. Search my eyes, Mr. Milk. This is what the truth looks like.

Noris Milk: Nine percent.

Alan Shore: Let's split the difference. Call it eight.

Noris Milk: Make the deal. He starts to leave.

Attorney Melvin Palmer: Ah, Noris! I assure you...

Noris Milk: He's at the door. Make the deal! He's out the door.

Alan Shore: You have some dog doo on your shoe.

b)

Hopefully, that will give you some good ideas, etc. on stopping your foreclosure.

However, if you want some more help... click here

Stop Foreclosure Help - Save Your home. Keep Your Home.