Many properties, whether residential or business, are slowly disappearing due to foreclosure. The best way to avoid this from happening to you is to understand documents pertaining to your  mortgage loan and foreclosure including the mortgage, promissory note and a deed of trust.

What are Mortgages?

'The term mortgage, or mortgage loan as it is normally called, is associated with foreclosure. In a sense, when a loan's maturity date is reached without payment of both the principal amount and interest, then foreclosure is imminent for that property or business.

A mortgage is using a property, whether real estate or commercial, to be used as a security for payment of a debt, or a mortgage loan. Normally, a mortgage loan is used to refinance a business or to be used as a basis for home improvement. When done, a contract, or a mortgage, will then be made by the lender containing the information of the said property, the amount loaned and the interest rate incurred by the principal amount, and the maturity date.

When the borrower fails to pay the exact amount as stated in the mortgage, then they may issue a promissory note requesting the lender to extend the maturity date.

Promissory Note and what's in it?

A promissory note is simply defined as a note or a contract which specifies detailed terms regarding the payment of a debt from the borrower to the lender. The note contains the amount owed by the borrower to the lender, the interest rate and the deadline for the payment or maturity date. A promissory note is also very useful for the purpose of tax and record keeping of the said transaction since it can be honored as a legal document.

A promissory note is used when the borrower fails to pay the agreed amount on time and requests an extension. If the lender agrees, then the promissory note will become a contract regarding the promised payment, and can be used in any legal proceeding during the time of foreclosure of judicial sale.

There are two kinds of promissory notes being used to date; one is the normal promissory note which contains the above information, and the demand promissory note which contains the same information as above yet no deadline of payment is stated. One catch of using a demand promissory note is that the lender can demand the payment from borrower at any time they see fit. Normally, the lender will inform the borrower in advance concerning the date of payment.

The concept of a Deed of Trust and a lien

A deed of trust is simply an attached document which serves as a security interest by the borrower to the lender to be able to pay for a certain debt or a loan. Usually, a deed of trust is considered a lien rather than a stipulation stating a transfer of title of the property from the borrower to the lender.

Also, liens can also be considered as a non-possessory security interests which grants the lender from holding or securing the said property without resulting to a sale until the debt is paid.

A deed of trust is often used since the cost is less compared to an actual mortgage contract. The deed is a non-judicial document and only contains the agreement between the borrower and the lender. Also, using a deed of trust is much more preferable by the lender since the process of foreclosure can be sped up from 1 year to a mere 3 months.

If you can't pay the mortgage payment in full by the maturity date then you can initiate a promissory note between you and the lender to extend the time of payment. You may also use a deed of trust or a lien when you don't want your property to be sold during foreclosure, which will give you ample time to get your property back as stipulated in the deed or lien.

Keep All Written Documentation

In applying for a mortgage loan, it is always important to keep a close eye on your documents pertaining to the said transaction; and knowing the importance of each can give you the elbow room that you need to maneuver your property away from foreclosure.

In most instances  in the United States, bankruptcy may be a solution to starting fresh  when the debtor is unable to pay his financial obligations in full. This applies equally to a homeowner facing mortgage foreclosure. To find out if bankruptcy may be a method to stop a foreclosure, we first need to know about bankruptcy and the different kinds that make it applicable to your particular situation.
What is Bankruptcy?

In legal terms, bankruptcy is simply defined as the inability of an individual to pay his/her creditors. Most individuals, who are unable to fulfill their financial obligation to their creditors, or lenders, file for bankruptcy to get a fresh start from their debts. Another definition of bankruptcy is liquidating the assets of the debtor to release them from their liabilities or financial obligations.

There are two kinds of bankruptcy known in any court system. One is the involuntary bankruptcy wherein the lender or the creditor will file the bankruptcy petition against the debtor in court when they are unable to pay off their debts in full. The reason for this is because the lender will simply try to recoup the amount owed to them by the borrower and try get a marginal income from the amount they have somewhat invested to the debtor.

Voluntary bankruptcy on the other hand is when the debtor initiates the petition on their own. One reason for this is the inability of the debtor to pay off the amount owed to the creditor in full, or will try to get out of the financial obligation by declaring in court their state of financially deficiency.

Bankruptcy chapters

There are two kinds of bankruptcy that a debtor can file in court, a Chapter 7 and a Chapter 13 bankruptcy. Each has their own criteria and processes that fit in the situation of the debtors position.

A Chapter 7 bankruptcy opts for the liquidation of the said property to cover the debt to the creditor. Also, by using this method, the debtor will have some of the proceeds left from the sale of the property to start all over again. The Chapter 13 bankruptcy on the other hand is simply reorganizing the debt in which the creditor will give three to five years for the debtor to pay the amount due.

But be warned that not all debts are covered by bankruptcy; common debts that bankruptcy can be a solution for is credit card debts, unsecured loans and medical bills. It is always best to consult a lawyer or a financial adviser when you plan to use bankruptcy as solution to your problems.

Qualification

Chapter 7 and 13 bankruptcy is not as easy as filing it out directly in court. Each has its own intricacies and qualifications that should fit the situation of the debtor. If you are willing to loose all your assets in settling your debt then liquidation through Chapter 7 bankruptcy would be the best option.

But if the collateral is a business property and the status is booming, then it is best to settle for a Chapter 13. if you are lucky, you may get an approval along with a five year extension to pay off the full, or remaining, amount of your debt.

It has also been noted in the US government that anyone who has already filed a Chapter 7 or Chapter 13 bankruptcy within the last 6 years are not allowed to file the same method again.

If in doubt, consult a professional

When in doubt about choosing bankruptcy as the ultimate solution for your financial woes, then it is best to consult a bankruptcy attorney. These professional can provide insights, as well as suggestions regarding possible solutions to your problems.

If bankruptcy is your final option in the matter, then it is best to consult if a Chapter 7 or 13 bankruptcy would suit you best. There are certain prohibitions in law stating that even if an individual files for a Chapter 7 bankruptcy, it is quite possible to retain some, if not all, of their assets. So consulting a lawyer is your best option if you want to make most out of the situation.

Foreclosure Newsflash - Yahoo News

Beware of “Foreclosure Rescue Scams”
Scam-artists are trying to cheat Iowans who are caught up in the nationwide foreclosure crisis.

STOP FORECLOSURE ON YOUR HOME NOW!! SIMPLE STEPS YOU CAN TAKE.

Books on Stopping Foreclosure

	How to Use a Short Sale to Stop Home Foreclosure and Protect Your Finances List Price: $18.95 Sale Price: $11.06 Used From: $7.80 Average Rating:
	Don’t lose your ho me to foreclosure! Do a short sale! Robert Irwin, one of America’s most trusted real estate experts, provides the tools you need to avoid foreclosure—and protect your credit, your wealth, and your peace of mind...

	Stop Foreclosure Now: The Complete Guide to Saving Your Home and Your Credit List Price: $19.95 Sale Price: $11.00 Used From: $0.01 Average Rating:
	There are hundreds of books that show investors how to purchase foreclosure properties, but this is the only book that helps people who are in foreclosure. This is the only book that helps homeowners understand the foreclosure process, and explains practical strategies they can utilize to save their homes...

	Foreclosure Self-Defense For Dummies List Price: $19.99 Sale Price: $0.99 Used From: $0.01 Average Rating:
	Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome...

	Stop Foreclosure and keep your home, or Just Walk Away List Price: $29.95
	Learn over 40 methods, options, alternatives, strategies to Stop or Stall your foreclosure or learn how to walk away with no financial obligations.An information and fact rich eBook containing over 160 pages of very useful and helpful information.

	American Foreclosure: Everything U Need to Know About Preventing and Buying (American Real Estate) List Price: $25.95 Sale Price: $8.07 Used From: $6.21 Average Rating:
	The Definitive Foreclosure Guide for Every Homeowner and Investor Whether you're trying to protect your home from foreclosure or invest in foreclosed properties, you still need reliable information and expert advice to protect your investment...

	Stop Foreclosure Now in California (Nolo Press Self-Help Law) List Price: $29.95 Sale Price: $45.00 Used From: $2.37
	Across the country, foreclosures are at an all time high, but especially so in California, where people facing foreclosure actually have several options. STOP FORECLOSURE NOW (California edition) provides step-by-step instructions to help Californians avoid foreclosure proceedings and protect their credit...

	How to Stop Foreclosure List Price: $16.95 Sale Price: $3.75 Used From: $0.13 Average Rating:

	Defeat Foreclosure List Price: $19.95
	Save your house, your credit and defend your rights. Defeat Foreclosure is a must read in the current mortgage melt-down. Written in easy to understand language it applies to homeowners in every state...

	23 Ways To Stop Foreclosure: The Complete Do-It-Yourself Kit (Volume 1) List Price: $19.95 Sale Price: $19.95 Used From: $41.96 Average Rating:
	This book will give you new hope and inspiration. It is a must-have resource for anyone facing foreclosure. All 23 ways are explained in detail so you can be informed about your options such as, do you fight to keep your home or do you sell it and how will that impact your quality of life...

Over recent years many Americans have used mortgage loans as an easy way out of a financial crisis, by using their homes as security. Yet, irresponsible mortgage management can lead to the foreclosure of your home, if you are not careful. Here are some tips that you may find useful in developing a plan to stop foreclosure and to protect your home from creditors.

Consult the experts

Good advice before applying for a mortgage loan is to consult experts like real estate brokers and financial advisers are well informed when it comes to the best deals by different lenders, as well as information about the mortgage itself. They can inform you of the contractual agreements and will be able to organize them for you; they can inform you of maturity dates, interest rates and also possible ways to extend the deadline to avoid foreclosure.

Consult a financial adviser who can analyze your financial situation, as well as the purpose of the loan, and will determine the amount that you may safely borrow from the lender. The real estate brokers can inform you of the best deals in town, since they have numerous contacts with different companies. With these two working hand in hand, they can easily help you out in organizing your mortgage loan and avoiding foreclosure.

Borrow Prudently

If you go through the loan without the help of real estate brokers or financial advisers, then you should be careful with the amount that you intend to borrow. It is a common fact that most properties were foreclosed due to irresponsible borrowers and reckless lending by mortgage lenders who loaned ludicrous amounts of money without adequately assessing the ability of the lender to repay the loan. Unfortunately many of these are likely to lose their family homes in coming months.

Try to avoid the temptation of going for a large loan. If you are planning to use it to refinance a business or for home improvements purposes then you better analyze your current financial status if you can pay the amount on the maturity date. Always ensure you ability to repay the loan.

Also, try to shop around for the best deals in town. The internet is a good source of information for various lenders in your area; try to look for a lender with the lowest possible interest rate since one of the factors resulting in foreclosures is an unfordable high interest rate.

Know the paperwork

There are two kinds of paperwork that can help you avoid foreclosure of your home: one is the promissory note, and the second is the deed of trust or lien.

The borrower can make a promissory note when they fail to pay the full amount on the maturity date. The note usually contains the request of the borrower from the lender to extend the maturity date of the remaining amount, the maturity date, and remaining unpaid amount and of course, the interest rate. Obviously the lender will have to agree to this. This is quite useful if you don't want your property to be foreclosed for not paying the full amount.

A deed of trust is simply an attached document, which serves as a security interest by the borrower to the lender to be able to pay for a certain debt or a loan. Usually, a deed of trust is considered a lien rather than a stipulation stating a transfer of title of the property from the borrower to the lender. Lenders usually prefer a deed of trust as it enables them to expedite the foreclosure process from 1 year to about 3 months.

Communicate With Your Mortgage Lender

A very important tip is to always try to keep the channels communication between the lender and the borrower open. Doing so will not only improve the relationship between the two, as well as gain the trust of the lender, especially if you experience a short-term problem.

Another practical reason for opening a communication line with the lender is to receive updates regarding the mortgage and foreclosure. By doing so, you will be well informed regarding various stipulations of the mortgage and avoiding foreclosure.

It is very important for the borrower to pay attention to all the details when it comes to acquiring a mortgage; not only would you be well informed of the various facets of the contract, as well organizing your mortgage to avoid a possible foreclosure of your property. Many properties are currently being foreclosed and one of the best ways to avoid this is to be familiar with and understand the various documents relating to your mortgage loan.

While auctions could carry with them the greatest financial rewards in comparison with other modes of buying a foreclosed home, auctions still remains to be the most risky business in this type of investment. You can make as much as 30% to 40% if you acquire a property in foreclosure but first you must know what you are doing. There are a lot of pitfalls in here and these are the kinds you don't want to find yourself into. Consider the following risk factors before buying a foreclosed property at auction.

No previews , there is no way you can get a preview of a house or a block property that is being auctioned. A foreclosed house is bought "as is" and unseen.

Properties being auctioned are not in pristine conditions. Trashing the house and even destroying the interior are unacceptable practices but are rather common , unfortunately However, during an auction you won't be able to see the damages inside the house. The exterior could look fresh and reconstructed because the brokers or the sellers have to package it the best they can but, these are good assurances that the interiors are well maintained. In an auction, you have to bid on the house according to your intuition (and of course a little research could go a long way).

Added costs ,  chances are, you will be paying a much higher price than you were first prepared for. During an auction, the starting price includes all the mortgage defaults and all other charges that are owed against the property such as liens and delayed or unpaid bills. However, there are cases when the auctioneer's fee or other uninvited expenses such as taxes are not included in the starting price. These may sound insignificant when considering the initial price of the house but these charges are enough to spoil the deal.

Potential  losses , you may have won in the auction and have already started investing in the house. Then here comes the previous owner with a proof that he was able pay off all the debts against the house within the specified redemption period. What would you do? In cases like this, the home buyer can't do so much. If the previous homeowner was able to cure all defaults then he is still entitled to the house and could redeem his property back.

Buying a house through an auction could be especially rewarding when all things are set in their proper places. But if something unexpected happens, your investments could be wasted , but like all investments the greater the risks the greater the rewards and managing these risks is what all successful investors do.

When facing imminent foreclosure due to unpaid debts to your creditors, then it is a good time as any to seek the help of professional who can help you to stop the foreclosure on your home.  Some of the professionals that you can consider using to stop home foreclosure include, real estate lawyers , foreclosure consultants and even your financial planner may be able to provide you with advice when facing a foreclosure.

Real Estate Lawyers

Considering the business that is attributed to mortgage and foreclosure, we can safely say that there's a battalion of professionals that can easily get you out of a tough situation when facing foreclosure. Though their fields of expertise might vary, they still aim for the same goal which is to help you in solving your problems. One such professional are Real Estate Lawyers.

These individuals are well versed when it comes to real estate laws, foreclosures and mortgages of real estate, as well as buyers, rental and sellers of real estate properties. These lawyers represent the interest of the debtor, borrower or mortgagor, when it comes to dealing with possible foreclosure on their immovable property. Real estate lawyers are well versed when it comes to various intricacies of the statutes of law when it comes to foreclosure on real estates.

They can provide legal counsel on what possible solutions are there to protect your property from foreclosure; able to communicate directly with the lender and negotiate on possible agreements that will save your property while maintaining the best interest of both the mortgage company and yourself.

Despite actions taken by the borrower which will result in the decision to sell off the property to pay off the debts, real estate lawyers can help you with the process of the sale as well as providing information on market values regarding the said property.

Foreclosure Consultants

When facing imminent foreclosure from a mortgage company, it is always good advice to visit a foreclosure consultant. These professionals specialize in foreclosure scenarios and are quite knowledgeable in looking for ways to avoid the situation.

Foreclosure consultants have the foreknowledge in stopping or postponing a foreclosure sale by the mortgage company. A way of assisting you is obtaining forbearance from any creditor or mortgagee, and can help you exercise the right of reinstatement. They can also help you out by extending your deadline or maturity date to avoid foreclosure on your property and make the payments easier.

These professionals can also provide assistance in applying for a promissory note, acceleration contracts secured by deed of trust or mortgage. They can also help you out by obtaining advance loan or funds from other sources to help you in your payment. Using their contacts to various lenders in the country, they can give you advice regarding which company is open for refinancing as well as the best deals in the process.

Since the borrowers or debtors credit is in the line, they can help you out when your credit is being impaired due to the notice of default or the conduct of the foreclosure sale issued by the court in request of the lender or the mortgage company.

DIY Approach

It is quite true that hiring professionals like real estate lawyers and foreclosure consultants to help you out with your financial problem might prove costly but considering their line of work and expertise, they are there to help you solve your foreclosure problems.

But if you are on the thrifty side and decide to learn about all the intricacies of the problem on your own to save on the extra cost on hiring these professionals then it could prove to be a daunting task, but not impossible.

The Internet is a good source of information regarding foreclosure and mortgage. Some sites offer tips on how to avoid a foreclosure while some offer definite solutions to get rid of it entirely. Though finding the right site with the perfect information could be painstakingly hard, you can find the right one with a little determination and patience.

Another way to research on your problems regarding foreclosure is to visit forums about it and ask different users regarding their views on the matter. Not only will they be able to provide first hand experience on their dealings with foreclosure, they might provide you with in-depth information on how to deal with it; all-in-all you might be able to find the perfect solution for your needs.

Foreclosure Newsflash - Yahoo News

I-Team: Alleged Squatter Sees Day in Court
In the first day of a multi-part preliminary hearing, Eric Alpert defended himself from multiple felony counts. Investigators believe Alpert identified vacant homes going into foreclosure and then broke in, changed the locks and rented them out.

Miami Attorney on Summary Judjenent. Foreclosure Defense

Books on Stopping Foreclosure

	How to Use a Short Sale to Stop Home Foreclosure and Protect Your Finances List Price: $18.95 Sale Price: $11.06 Used From: $7.80 Average Rating:
	Don’t lose your ho me to foreclosure! Do a short sale! Robert Irwin, one of America’s most trusted real estate experts, provides the tools you need to avoid foreclosure—and protect your credit, your wealth, and your peace of mind...

	Stop Foreclosure Now: The Complete Guide to Saving Your Home and Your Credit List Price: $19.95 Sale Price: $11.00 Used From: $0.01 Average Rating:
	There are hundreds of books that show investors how to purchase foreclosure properties, but this is the only book that helps people who are in foreclosure. This is the only book that helps homeowners understand the foreclosure process, and explains practical strategies they can utilize to save their homes...

	Foreclosure Self-Defense For Dummies List Price: $19.99 Sale Price: $0.99 Used From: $0.01 Average Rating:
	Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome...

	Stop Foreclosure and keep your home, or Just Walk Away List Price: $29.95
	Learn over 40 methods, options, alternatives, strategies to Stop or Stall your foreclosure or learn how to walk away with no financial obligations.An information and fact rich eBook containing over 160 pages of very useful and helpful information.

	American Foreclosure: Everything U Need to Know About Preventing and Buying (American Real Estate) List Price: $25.95 Sale Price: $8.07 Used From: $6.21 Average Rating:
	The Definitive Foreclosure Guide for Every Homeowner and Investor Whether you're trying to protect your home from foreclosure or invest in foreclosed properties, you still need reliable information and expert advice to protect your investment...

	Stop Foreclosure Now in California (Nolo Press Self-Help Law) List Price: $29.95 Sale Price: $45.00 Used From: $2.37
	Across the country, foreclosures are at an all time high, but especially so in California, where people facing foreclosure actually have several options. STOP FORECLOSURE NOW (California edition) provides step-by-step instructions to help Californians avoid foreclosure proceedings and protect their credit...

	How to Stop Foreclosure List Price: $16.95 Sale Price: $3.75 Used From: $0.13 Average Rating:

	Defeat Foreclosure List Price: $19.95
	Save your house, your credit and defend your rights. Defeat Foreclosure is a must read in the current mortgage melt-down. Written in easy to understand language it applies to homeowners in every state...

	23 Ways To Stop Foreclosure: The Complete Do-It-Yourself Kit (Volume 1) List Price: $19.95 Sale Price: $19.95 Used From: $41.96 Average Rating:
	This book will give you new hope and inspiration. It is a must-have resource for anyone facing foreclosure. All 23 ways are explained in detail so you can be informed about your options such as, do you fight to keep your home or do you sell it and how will that impact your quality of life...

Are you a homeowner who has been ignoring the warning letters and telephone calls from your bank?  If you are, you may find yourself in the middle of a foreclosure crisis.  At this point in time, fear may automatically set in.  What will you do?  Where you will live?  Can you afford to move?  Before you let fear take over, it is important to know that foreclosures can be stopped. Although this process is not easy, it can be done.

It is advised that you speak with your financial lender as soon as you find yourself experiencing financial difficulties.  For example, when you get laid off or fired from your job, schedule an appointment to meet with your lender and develop a plan, before any problems arise.  At the very least, communication should be made when you start receive intent to foreclosure notices.  Even if you have a sign on your home stating that the foreclosure process has officially begun, you can still talk to your financial lender.  In this instance, the sooner you do so the better.

As for why you should talk to your financial lender, even at the last minute, they want to avoid foreclosure as much as you do.  Often times, lenders lose a considerable amount of money on the sale of foreclosure homes.  If you can prove that your financial troubles are only temporary, your lender may give you a reprieve.  They may stop the foreclosure proceedings for you.  As for what can lead to this, you or your spouse getting a second job can help.

If you are dealing with a locally owned and operated bank, which you have been a loyal customer of, it is important to outright ask what can be done.  Offer suggestions yourself, if you do not receive them.  Could you continue making all future mortgage payments on time, but develop a payment plan for your past due amount?  Can you only pay interest for the time being?  Can you be given time to sell your home, as opposed to simply just losing it?  These are all important questions that you should ask.

Another way that foreclosures can be stopped, in most states, is with a declaration of bankruptcy.  However, this step is one that should not be made on a whim.  It is first important to meet with an attorney specializing in bankruptcy.  If you file for bankruptcy will the foreclosure proceedings stop?  Can you make it so that your home is not considered an asset in bankruptcy proceedings?  If so, this is the avenue that you may want to take.  However, since bankruptcy can negatively influence your credit, it should only be used as a last resort.

Before you take any action with the hopes of stopping foreclosure, you need to closely examine the situation at hand.  For starters, would you like to get out from under your property?  If it is a money-pit that needs constant repairs, it might just be easier to go the route of foreclosure or even outright allow your bank to sell the property.  If you want to keep your home, make sure that you can honestly do so.  It is recommended that you take forty percent of your income and apply that towards your living expenses, this includes mortgages and taxes.  If this isn’t possible for you to do, the avoidance of foreclosure now may result in the process starting again in a few months.

Most people think that banks are happy with foreclosing homes and the current state of the property market .  In reality , they would rather have your regular cash payment than to undergo the meticulous and laborious process of foreclosing your house. So if you are facing foreclosure, the best initial move you can take is to contact your bank and establish an agreement that would be beneficial for both parties. Banks are in the business of lending money , not foreclosing on your home.

Banks and mortgage lenders have numerous financial assistance programs that are designed to limit the possibility of foreclosing a real estate property. Considering that you have been religiously paying your dues on time, there is no reason for your bank not to allow you to use their financial assistance programs and back-up plans that will save your mortgage payments from later default.

An arrangement could be made to help you keep up with your bills without having to sacrifice your house to foreclosure. However, this can only happen if you have an open connection with your lender and if you demonstrate enough interest in saving your house. Thus, on the first sign of problem be sure to inform your lender right away and anticipate that changes should be made on your payment terms.

Get into the details  and make it a point that your bank or mortgage lender knows the specifics as to why you weren't able to keep up with your mortgage payments. Reasons like severe sickness in the family, job loss or death in the family are excusable and could be considered as justifiable reasons. Also, some lenders have programs that are aimed at these specific problems.

There are other alternative options that you could use if you want to avoid foreclosure including forbearance, mortgage modification, mortgage or loan refinancing and reinstatement. All these require major modifications on the mode, terms and conditions of your mortgage payments.

Foreclosure Newsflash - Yahoo News

What were the biggest scams of '09?
The national Better Business Bureau has come up with the top 10 scams that attempted to separate Americans from their money in 2009.

Foreclosure scam, real estate scam Pt 2 of 2

Books on Stopping Foreclosure

	How to Use a Short Sale to Stop Home Foreclosure and Protect Your Finances List Price: $18.95 Sale Price: $11.06 Used From: $7.80 Average Rating:
	Don’t lose your ho me to foreclosure! Do a short sale! Robert Irwin, one of America’s most trusted real estate experts, provides the tools you need to avoid foreclosure—and protect your credit, your wealth, and your peace of mind...

	Stop Foreclosure Now: The Complete Guide to Saving Your Home and Your Credit List Price: $19.95 Sale Price: $11.00 Used From: $0.01 Average Rating:
	There are hundreds of books that show investors how to purchase foreclosure properties, but this is the only book that helps people who are in foreclosure. This is the only book that helps homeowners understand the foreclosure process, and explains practical strategies they can utilize to save their homes...

	Foreclosure Self-Defense For Dummies List Price: $19.99 Sale Price: $0.99 Used From: $0.01 Average Rating:
	Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome...

	Stop Foreclosure and keep your home, or Just Walk Away List Price: $29.95
	Learn over 40 methods, options, alternatives, strategies to Stop or Stall your foreclosure or learn how to walk away with no financial obligations.An information and fact rich eBook containing over 160 pages of very useful and helpful information.

	American Foreclosure: Everything U Need to Know About Preventing and Buying (American Real Estate) List Price: $25.95 Sale Price: $8.07 Used From: $6.21 Average Rating:
	The Definitive Foreclosure Guide for Every Homeowner and Investor Whether you're trying to protect your home from foreclosure or invest in foreclosed properties, you still need reliable information and expert advice to protect your investment...

	Stop Foreclosure Now in California (Nolo Press Self-Help Law) List Price: $29.95 Sale Price: $45.00 Used From: $2.37
	Across the country, foreclosures are at an all time high, but especially so in California, where people facing foreclosure actually have several options. STOP FORECLOSURE NOW (California edition) provides step-by-step instructions to help Californians avoid foreclosure proceedings and protect their credit...

	How to Stop Foreclosure List Price: $16.95 Sale Price: $3.75 Used From: $0.13 Average Rating:

	Defeat Foreclosure List Price: $19.95
	Save your house, your credit and defend your rights. Defeat Foreclosure is a must read in the current mortgage melt-down. Written in easy to understand language it applies to homeowners in every state...

	23 Ways To Stop Foreclosure: The Complete Do-It-Yourself Kit (Volume 1) List Price: $19.95 Sale Price: $19.95 Used From: $41.96 Average Rating:
	This book will give you new hope and inspiration. It is a must-have resource for anyone facing foreclosure. All 23 ways are explained in detail so you can be informed about your options such as, do you fight to keep your home or do you sell it and how will that impact your quality of life...