So, What is it That Has You Stuck in the Foreclosure Process?

PART 2

Susan was crying on the phone as she explained her story to me. She just got home from the grocery store and as she was putting away her goods when the door bell rang.  A stranger at the door handed her an envelope and said he was to hand deliver this notice from the county courthouse. Immediately, her countenance fell. 

She couldn’t believe it! How could they do this to her? I promised her that we can get to the bottom of her problem with a simple conversation.  I asked her to continue sharing with me her situation while I took down some careful notes. She knew for sure that her lender was now foreclosing on her house even though she explained her situation to them and they promised that they would give her time to get caught up. She thought to herself, “what a bunch of mean, lying, evil and self-centered jerks. Don’t they have any sympathy for a single Mother with four children? Now, all the legal fees would start adding up, and all the letters from real estate investor vultures would start coming offering to buy her house, and her neighbors would soon find out that she was in foreclosure and her reputation would be shot.

But worse than that where would she find another place to live in this bad real estate market. Clearly, the banks weren’t lending money even to people with good credit.  Now she had bad credit and she felt like she was living in a sinking ship. Clearly, Susan had been through the foreclosure process many times before.  She knew the entire procedure almost by heart. So, I had to ask her the simple question that many feel is to hard or difficult or mean to ask.  “What is it that has you sinking into foreclosure every six to twelve months,”  I asked? Are you attracting this financial demise into your life or is it attracting you?

You see many times we don’t get the right answers in life, simply because we don’t ask the right questions.  So, within the scope of this question are a series of about three other smaller but serious questions.  And frankly it doesn’t matter who you are if you’re facing a reoccurring foreclosure situation.

You must confront these three questions.

Question Number 1 Are you stuck in the foreclosure process because you have a house that is simply too expensive for you? So let me hear you tell the truth.  What is it really? No, no, no you’re not going to escape from this question! If you thought you got away all those other times before well let me tell you, I got you now and you can’t go anywhere.  Don’t even think of leaving this blog post until you confront this question.

Are you one of those who is living way beyond your means? Did you buy much more house than you can afford with a mortgage far greater than you can afford to pay and you refuse to tell yourself or anybody else the truth all this time? If that is the case then you deserve to be in foreclosure because you’re pretending that you can afford to live in a great big expensive house when you know that you can’t. I’m not saying that you won’t be able to live in a huge fancy house one day or that you don’t deserve to live in one now.

This is not about what you deserve to live in nor about the possibilities and potential that exists for you.  I believe you are powerful beyond measure. You can really accomplish anything you want and buy any kind of house you want to buy – and actually afford to live in it. However, if you have found yourself in and out of foreclosure over and over again then you need to take  a serious look at your game plan. No, I’m not here to tell you what you want to hear on this subject.  I’m here to tell you what you need to hear.

Either you get a bigger game plan that will match the size of the house you are living in or you get a smaller house that corresponds to the game plan you have created for yourself. But, you can’t continue the madness you’ve been engaged in. I’ve got some solutions that will help you identify and adjust either way.

If this post has impacted you and you want to scale down but you’re having trouble getting the house sold in this declining market then you’ve got to let me know. You can either call the number at the top of the screen or fill out the opt-in box with your information at the top right hand side of this blog post.  I promise I will have a powerful conversation with you that will leave you in a place of freedom and choice. You will be able to see your options clearly and I can help you choose wisely.

Don’t get me wrong now.  I’m not begging you to call!  I have much more that I can be doing than talking on the phone. The only reason I do it is because I really care about the number of people losing their homes unnecessarily in this country.

In my view, it doesn’t have to be this way. Simply by telling the truth and facing the facts I can help you make some powerful and wise choices even in this market that will totally get you unstuck and free once and for all from the unending cycle of the foreclosure process.

Question Number 2 Are you stuck in the foreclosure process because you are being careless and unfaithful with your money? Well, if this is your problem then quite frankly what do you want in the way of a solution? There is very little anyone can do to help you if you’ve chosen to squander your money on a consistent, regular basis.

So, let’s get one thing straight, it doesn’t matter what habit or addiction or freakish fantasy you’re squandering your money in, I’m telling you to STOP IT NOW. It is one thing to be facing foreclosure and really want help to get out of the vicious cycle.  But, it’s another to totally sabotage your own financial well being on a daily basis by engaging in the game of satisfying your urges and addictions and feel good moments. Who are you trying to fool? And what game are you trying to play? Get real and start telling the truth about yourself and dealing with your issues in a healthy and powerful fashion.

There are real and meaningful actions that you must take today if you’re squandering money.  If you are spending your money at the casino gambling the night away then it’s simply no wonder that you’re stuck in the foreclosure process. My question to you is,”How much money do you need to loose until you conclude that you’ve had enough pain? How much worse does it need to get for you? Okay, you say I don’t gamble but I do go to strip joints and drink a whole lot.  It’s my escape from all my problems and what’s more, I get a good kick out of seeing the pretty girls dance. Well then that’s what has you stuck in the foreclosure process.  Some alcohol and a girl.

You see, sooner or later you must face the facts and tell the truth. If you want to be powerful and put an end to your constant “in and out” of the foreclosure process, then you have to make a choice.

Here’s how you do that. Begin today by determining that you will guard your money as if it were your very life.  Get all the help you need to overcome your addictions.  Involve yourself in another activity that does not waste and squander your money. Choice definitively to enhance the quality of your life. And lift yourself from the clutches of gambling, alcohol, sex and smoking addictions.  I promise you they will suck the life from your financial future and back you into a small corner.  Don’t let life back you into a small corner. But you say, how shall I deal with all my stress and fear and worries?

Well you go on the offensive.  No matter what your problem is. Impending threat of foreclosure.  If you get up and start taking aggressive powerful action then you will actually begin to drive your problems into a small corner. By continually engaging in this practice instead of giving in to your addictions and urges you will find your strength of character and personhood beginning to rebuild.  And you can actually avoid the trap of the foreclosure process and all the uncertainty and pain it causes.

Question Number 3  Are you stuck in the foreclosure process because you attracting or drawing negative events and circumstances into your life? So, don’t get me wrong when I tell you I understand your circumstances.  I get that something incidental and traumatic has happened that has you broken and battered and beaten and bruised.  You’ve be strung out by life’s circumstances and now you’ve ended up stuck in the foreclosure process. Clearly, there are circumstances that happen in everyone’s life.  And I get there are things that happen that are totally beyond your control.

My question to you is “What it that you are doing with life’s circumstances that you are constantly threatened by the foreclosure process? Why not get out and then go build the kind of life that insulates you and makes you secure and safe from this damnable threaten of foreclosure and homelessness? You see so many people who are in foreclosure think of themselves as victims. Somewhere along the line they’ve chosen to simply sit back and let life happen to them.

Well I’m here to tell you, “Don’t just let life happen to you!” Get up and start impacting life. Begin to make dynamic and lifelong changes to the way in which you operate. Yes that’s right! Don’t sit back and wait for life to change for you.  If you’re waiting for that to happen then I promise you you’ll be waiting a mighty long time. But, if you begin today to make little changes to your life then you will begin to have results that will last a lifetime.

That’s the truth I learned from one of my most powerful and impacting mentors known as Jim Rohn. If you want life to change then you must change. You must change your attitude and your philosophy and your perspective. Change your diet and your exercise regiment and your behavior. If you’re willing to change then your whole life will change around you.

So, start right now to look at which one of these questions applies to you! Don’t do what you’ve always done and walk away from a challenging question, thought or idea.  Start looking at your life.  Look at what it is that’s got you stuck. Look at your attitude and your philosophy.

And create a plan of action that will get you unstuck and leave you free. I’m going to end this post by asking you to do one simple task. First, I want you to fill out the information box at the very top right of this blog post.  Just enter in your information there and I’ll be able to give you a call to further help you.

Or you can if you really want to get help fast then click on the words at the top that say “Get A Loan Negotiation” and completely fill out all the information in that form.  I promise a highly trained professional will be in touch with you within 48 hours to help you either structure a loan modification or establish a plan of action to get out of foreclosure.  Don’t delay call today.

The Foreclosure Doctor (Online)