Getting Out of Foreclosure is So Easy When You know How to Do More than Merely Write a Hardship Letter. Do You Know That?

So, we’re now rounding the corner towards this year’s finished line.

I have just talked to so many people out there who are literally scrambling for a solution to getting out of foreclosure.  They are indeed very much stuck.

Let me tell you about Vicky and Sergio.

They were real smart and resourceful and I felt impressed by the amount of research they did.

Sergio was a Med Student and Vicky worked from home selling Mary Kay.

We had a simple but clarifying conversation.  And they quickly knew exactly what actions they needed to take within the first few minutes of the phone call.

They were behind on their payments and they were trying to find out how to make the impending foreclosure go away.

I shared clearly that the only thing that makes foreclosures go away is “Money.”

They said plainly and in one voice spoken in unison, “But can’t we just write a hardship letter to the bank?”

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Can You Become Unstoppable in the Face of the Foreclosure Procedure?

I want you to meet Daniel and Mary.  They live in Arizona and until recently were very happy with their beautiful two story home. There was plenty of space for their their children Kendal and Kathy to play and a big back yard for the cat and the dog. In a very real sense they lived like the typical American family until they faced the troubling threat of losing their home to foreclosure.

There are millions in our nation right now who are facing this impending probability of foreclosure. So, if you’re one of those who are stuck in the foreclosure procedure and you’ve received a letter or a notice of default from your bank and you are threatened with the possibility of losing your equity and losing your hard-earned security, I want you to know that there’s an access here, or an opportunity, for you to win and become unstoppable in the face of foreclosure.

Many times in the midst of life’s crises we choose to let the circumstances stop us.  But what I’ve discovered is that if you are somehow able to go through these circumstances then there is possibly a more powerful life on the other side.  That is because the circumstances that you’re able to conquer and go through carry for you an incredible possibility in terms of growth, development and personal power.

But that is only if you’re able to go and get to the other side of your circumstances. For Daniel and his wife, Mary who were facing foreclosure the situation was very real.  They didn’t know what they were going to do.  They had already received a foreclosure notice from the bank, a notice of default. They had 30 days to stop their foreclosure. Can you imagine having to here those shock words that in 30 days, the bank promised that they were going to come in and repossess their house?

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Do You Know The Seven Secrets To Successfully Writing a Hardship Letter?

Jim and Rena were really, really stuck.

They had heard that the best way to save their house from the foreclosure procedure, was to begin with a hardship letter.

So they sat down late one night after a long day of work and frustration to write this hardship letter.  Immediately they felt stuck and backed up against the wall.  They couldn’t figure out where to begin.

What is a hardship letter?

How in the world do you write that hardship letter?

And ultimately they were wondering who should they send this letter to?

But where in the world do you learn how to write a hardship letter?

They don’t teach you that stuff in school.  No one on the job required them to write a hardship letter.

So, you can imagine? They had heard about what a hardship letter is and that may be the best place to start.  They were stuck because they didn’t know how to write a hardship letter.

I shared with them the seven powerful secrets to successfully writing a hardship letter.  Would you believe, they were able to successfully get that hardship letter completed, present it to the bank, and it was read, they were able to get a loan modification and stop their foreclosure.

So, I just want to take a moment and share the seven hot secrets to successfully writing a hardship letter with you.

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Do You Think You’re Alone in the Foreclosure Procedure?

Is there something about you that causes you to think you’re all alone in the foreclosure procedure?

Are you feeling like you’re the only one in your city, your town, in your neighborhood facing foreclosure?

John had these feelings. He was living in a beautiful bungalow house, three-bedroom home in the middle of a suburban area of the city in Saint Louis, and he was in the foreclosure process. He felt stuck and unable to move. Part of what held him stuck was the tremendous amount of negative self-talk he was constantly levying on himself. He called himself the worst names possible. He believed that he was the only one facing this crisis. He thought often about how stupid he was. He did not believe that there was a way out. He thought that, certainly, he was going to lose his house.

I’m here to tell you that these thoughts are the very thoughts you want to stay away from if you’re facing foreclosure.

When you’re caught without a solution, you ought to begin to adopt the attitude that that does not mean that there is no solution. It just means you haven’t found one yet.

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What Should I Do if I Receive a Foreclosure Letter From My Lender?

Let me tell you about John and Lana.  They were two people just like you.  They had the American dream.   Then suddenly there was a knock on the door and someone handed them a foreclosure letter.  Now it seems like their world was falling apart.  They definitely needed help with foreclosures.  What should they do?

• Contact the lender
• Call the lender
• Write a hardship letter
• Try to get a refinance
• Consider selling the home

Well they can do any one of those first.  But who really knows what the results will be. 

If you are like John and Lana, stuck in foreclosure and you’re wondering what to do, you may have already tried these methods listed above before. Most people say they have but they end up getting no response.  So why is that? Simple!  The solution you need does not just entail knowing what to do, but knowing how to do what you need to do.

That’s why I suggest you contact the Loan Negotiator Group and let them help you.  I promise you will lose your house if you simply choose to do nothing.  That’s never the right solution.  And having the right solution in mind without the right strategy, understanding and knowledge to implement it may also result in disaster.

You’re probably wondering what steps to take beyond what everyone else is doing.  That’s exactly where the Loan Negotiator Group comes in.  They offer help with foreclosures and would be prepared to work with you to help you get out of foreclosure. They are equipped with the knowledge and expertise to help you handle the situation from the time you receive the foreclosure letter all the way up until you are able to successfully get a loan modification, sell the house or find another solution.

Indeed dealing with this type of a financial problem is difficult and frustrating and many people find themselves wondering what to do once they receive a foreclosure letter.  Where should you start?

Let me share a bit more about John and Lana’s experience.  Simply put, they had it all.  You know what I mean.  They had two kids, a dog, two jobs, and a nice home.  Then times got tight. Gas prices went up, Lana’s hours at work were cut back to part-time, and some unexpected financial problems hit around the way. Before long they missed a few payments and received a foreclosure letter hand delivered at the front door. Like you, they found themselves wondering what their options were.  Thankfully, they found help and found out that there were several great options available to them.

There are many options available to you, even if you have received a foreclosure letter.  Of course there are a few things you need to look for in these options when trying to find a solution after getting a foreclosure letter. And above all you need to know that knowing how to navigate through the waters of the foreclosure procedure is not as simple as it may seem. 

Let me highlight some of the steps you must take to provide you with some helpful knowledge. But know full well that I encourage you to work alongside the Loan Negotiator Group to get your situation resolved.  It will cost you a whole lot less in the long run and save you a world of heart-ache and head-ache.

First ensure the solution you are seeking is a legal one.  Beware of people and companies trying to scam you.  Look out for the option that will work best for your specific situation.  Don’t simply believe everyone and anyone who is out there promising to offer help with foreclosures. Contact Your Lender.

If you get a foreclosure letter hand delivered at the door or in the mail from your lender, the first thing that you should do is to contact your lender.   Of course the Loan Negotiator Group will do this for you on your behalf. After communicating with you and finding out exactly where you are financially and where you want to go, they will create and have a powerful conversation explaining fully your situation.

Sometimes the conversation with the lender is easy.  At times when you speak with a lender they will have some good options for you to consider in lieu of foreclosure so you can avoid losing your home.  Whatever you do don’t just ignore the foreclosure letter from the lender – make sure you contact them right away.

Call Your Lawyer. Another important thing to do when you receive a foreclosure letter from your lender is to call your lawyer.  Your lawyer can help you to understand more about your legal obligations and options.  Once again the Loan Negotiator Group has an entire legal department that can provide you with all the legal counsel that you need.

Also, they may be able to help you declare bankruptcy if this is something that you desire to do, although I do recommend that this be a last resort.Find out your legal options by talking to a lawyer or communicating with the Loan Negotiator Group as soon as possible.

Write a Hardship Letter. Writing a hardship letter is an excellent option when you receive a foreclosure letter in the mail. While many lenders do have some good programs to help you avoid losing your home, usually you’ll find that they do require that you write a hardship letter outlining the financial difficulties you are going through that have caused you to fall behind on your payments. And yes even here in this step the Loan Negotiator Group is prepared to structure and write an effective hardship letter for you.

Try to Get a Refinance. If you can, try to get a refinance if you suddenly receive a foreclosure letter. Now this is where the Loan Negotiator Group will really shine for you.  Having a team like this on your side to speak for you is really powerful.  Many times if they are unable to get a complete refinance they are able to get a complete Loan Modification, a forebearance or a deed-in-lieu.

Consider Selling Your Home. More than likely selling your home is the last thing that you want to do, but in some cases, it can be your last resort. If you can sell it for full price or more than you owe, this is great and a wonderful way to deal with this problem when you receive a foreclosure letter from your lender. However, in a time when the housing market is down, this can be difficult. In this case, you may need to consider a short sale if your lender will agree to it.

These are just a few of the options that are on the table when you receive a foreclosure letter in the mail from your lender if you are working alone and by yourself. However if you were able to have a powerful team of highly trained and experienced business professionals beside you who are highly trained in the area of loan negotiation then suddenly a whole new world of possibilities and options will open up for you.

That is exactly why I suggest for you the Loan Negotiator Group! All you will need to do in order to get started is fill out a short questionnaire with information about yourself, your house and your situation and one of the trained professionals from the Loan Negotiator team will get back in touch with you promptly. When you do you will get a highly experienced and professional case worker who will consult with you and answer all your questions.  Then they will work with you to get you the kind of loan negotiation you are most likely eligible for.  Isn’t that what you really want anyways? A chance to save your home and safegaurd your equity?

The team of mortgage professionals at the Loan Negotiator Group has worked with hundreds of clients and has established relationships with many of the primary lenders and banks in America. They have the experience, knowledge and expertise to offer numerous solutions that can be negotiated on your behalf.  But you need to have a conversation with them first and let them know exactly what you’re looking for. These solutions include anything from a complete loan modification where your payments get lowered or a deed-in-lieu where you walk away from the house and the debt altogether without ruining your credit. Dealing with foreclosure is difficult, but there are options that can help you to avoid losing your home.   The Loan Negotiator Group is prepared to help with foreclosures no matter what your situation may be.  Look into these available options to find a way that you can avoid foreclosure and stay in the home you have worked so hard for.

The Foreclosure Doctor (Online)

What Should I Do After I Write a Hardship Letter to the Bank to Stop the Foreclosure Process?

Let me tell you about Danny. His house was in foreclosure. And all he did was write a

hardship letter. He had high hopes that writing a hardship letter would be sufficient.

Boy was he wrong!

In that letter he told the banker all about his troubles and asked for a loan negotiation

and some time to get back on his feet.

The good news is Danny got what he wanted. A loan negotiation and more time. But what did he

do with that?  What do you think Danny did with that extra time?  Do you think he followed

the requirements necessary to complete the loan negotiation like fax in proof of his current

income, and go down to the bank and sign more papers?   NOPE!

Danny did absolutely nothing. He didn’t give the banker copies of his monthly pay stubs. He

didn’t fax in a copy of last year’s income tax. And he didn’t go down to the bank to sign

any paper work.

Well you ask, what did Danny do? NOTHING! Absolutely NOTHING!

That is until one day a sign showed up on his front lawn. Then he came to me. And he sobbed

out a sorry and weak story.

He said well I was going to go down to the bank and sign the paperwork. And I was going to

fax in my income tax and I was going to send in copies of my pay-stub.

Well what do you think I should tell him?  Huh!  Well, I told him what I tell everyone.  I

told him the truth about where these words of hesitation lead you when facing foreclosure.

That’s right!!! Hesitation and inaction leads to a great big sign on the lawn that says

something like, “Bank Sale” or “REO Bank Auction”

But what was so sad for Danny is that he learned the hard way that Writing a Hardship Letter

to the Bank is just not enough.

So what else is needed besides merely writing a hardship letter?  

Good question! I’m so glad you asked. What else is needed besides just writing a hardship

letter? Well let me ask you. What else do you really want?  Like really tell me the truth

here!  What are you expecting from your lender by writing a Hardship Letter?

There is a world of action and little delicate steps that create the gigantic results.  You

must engage in this world of action and take those delicate little steps after you write

that letter to the bank to really stop the foreclosure process. 

And just like in anything else in life, “going to do it” and “planning to do it” and

“thinking about doing it” just doesn’t cut it.

If you really want success stopping your foreclosure procedure then writing a hardship

letter is a great place to start. But it is not a great place to finish.

You have to follow all the instructions that take you far beyond just writing a hardship

letter. And you have to be willing to think fast and act fast, and change fast. That’s just

the bottom line.

AGGRESSIVE ACTION and PERSISTENT DETERMINATION are a must!

Well what action do I think you should take first?  Well once again I’m so glad you asked. 

Let me make it really really easy for you. 

Call me! 

That’s right call the Foreclosure Doctor (Online) by entering in your phone number and

information in the top right hand corner of this blog. When you call I’ll go through the

following steps with you on the phone.

First I will take you through a one on one consultation and gather some information about

your situation.
Second I will lead you through a clear understanding of the foreclosure process in your

state or region.
Third I will guide you through the steps to determine how to best go about saving your home.
Fourth I will refer you to any additional service or program necessary to help you negotiate

with your bank or lender
Fifth I will work with you to help you transition from being in foreclosure to building

wealth.
So what else did you discover from reading this post today? Well let me sum it up for you.

Choosing to do nothing at any time or during any stage of the foreclosure process will most

likely lead to disaster. Taking action today and making sure that it is focused and directed

action leads to the results you want.

The Foreclosure Doctor (Online)

Hillary Clinton’s speech at the DNC supporting obama, animated

One sentence in Clinton’s speech earlier today really hit home with me:

“it is time to take back the country we love”

The decisions we took as a nation in the past few years had one intention:

Our well being

Unfortunately things have not worked out so well. We are in such deficit that many of us are losing our homes. Foreclosure is a scary thing, but there is a process to beat it! Skills such as writing a hardship letter and knowing your time frame are vital to learn if you are experiencing a foreclosure.

For Hillary, I decided to animate what would have made a more comical version of her speech!

How to Write a Hardship Letter?

You’re sitting their wondering about the advice you’ve just been given.  Write your lender a “Letter of Hardship.”  But you’re thinking to yourself, I’m no writer, I wish someone will tell me, “How to Write a Hardship Letter” so the lender will read it and help you?

Wally and Carrie were devastated.  It seems like nobody understood the tremendous crisis they had just come through.  Wally lost both his parents in a terrible storm.  And Carrie just had a miscarriage after four months of pregnancy.

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Can Filing Bankruptcy Stop Foreclosure?

All right somebody out there is saying “I’m open minded but just so confused I don’t understand what to do?” It’s highly possible that you are reading this because you’ve been forced into these foreclosure procedures and pondering “Can Filling Bankruptcy Stop Foreclosure?” Well let’s get real for a moment.  You’re trying to do a bankruptcy to avoid foreclosure.

If filing bankruptcy is the first thing you’re doing to stop your foreclosure then you just may be passing up some very powerful alternative solutions.  I just found a great blog post on Bankruptcy Alternatives that I find to be very informative if you’re trying to do a bankruptcy to avoid foreclosure. 

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Are You Missing Amazing Tips That Can Help Stop Foreclosure?

Good day and welcome to a brand new week. This is another chance to find really opportunities to stop foreclosure and totally change your financial landscape. So how do you go about brainstorming for solutions?

Well let me suggest a shocking idea. Take your mind off your foreclosure for a minute and think about what you really want. Is stopping foreclosure all you want? Now come on and tell me honestly. Don’t you want to do much more? Don’t you want to start building wealth?

Of course you do. So here’s a powerful tip for the week. Choose this week to stop your focus on “Stopping Foreclosure” and instead really focus on building wealth.

I know it sounds different and feels quite radical at such a challenging time for you.  But here’s the amazing truth about the way the mind works.  The human mind does not know how to process a negative command.

Well at least not very well.  When you put the task to the mind couched in the words “Stop Foreclosure,” the mind interprets that to mean “Foreclosure.”  That’s right!  You actually start creating more foreclosure and drawing your financial demise closer and closer to you.

According to my research the majority of people who are in foreclosure are searching for those exact words.  “Stop Foreclosure!”  No wonder so many people are facing foreclosure today.  That’s all we’re thinking about.

By thinking hard about how to “Stop Foreclosure” most end up visualizing the entire process completely and they feel it on every level.  So I’m going to share with you four simple steps to reverse this process.

1. Say I’m looking for ways to go about “Building Wealth” instead of “Stopping Foreclosure.”  The truth is “Building Wealth” has a way of “Stopping Foreclosure” very well.
2. Acknowledge that there are solutions that you probably don’t know of right now.  And you are developing your awareness.
3. Look at wealth people and examine what they do.  Ask the question, “How would a wealthy person handle this situation.”
4. Adopt the mentality that says “Whatever I’m facing I’ll handle it!”

Now that you have chosen to change your thought process you can really place your focus where it ought to me and that is on “Building Wealth!”

So the first thing I suggest is that you call the bank and speak to your lender explaining your circumstances.  Then you will follow up with a hardship letter further explaining your circumstances in writing.  Ask to be considered for a debt workout arrangement or a refinance.

Remind the lender that he really does not want to foreclose and that establishing a strategy to help you is also in his best interest.  Then tell him that you will call back in two days to share your new strategy for bringing in more money.

Most lenders will have a mindset that says, “If this person could have made more money or established a plan to build more wealth then they would have done so by now.”  So if you haven’t done so, then you must convince the lender that you are able to produce more income.  Before you can successfully do that for that lender, you must convince yourself that you really can produce more.

There are only two ways to have more money at the end of the month.  First you can save more money by reduce spending.  Second you can simply make more money.  I suggest a combination of both strategies to help you get started in your quest for more money.  So now comes the task of making more money.

How much more money do you need per month?  Most people in foreclosure are not even fully aware of how far behind they are nor how much they need in order to keep up with their expenses.  But building wealth begins with saving the wealth you already have.  It goes on further to identifying the additional wealth you can create.

I’m going to pause here for today but tomorrow I’ll write more on how to develop your wealth building strategy.  For today I invite you to go ahead sign up for the free on this post.  It will help you “Stop Foreclosure and Start building wealth.”  By using the powerful information in this post and in this free down load you will be on a dynamic life-changing patch to financial freedom and economic power.  You will really start building wealth.

The Foreclosure Doctor (Online)

P.S. writing a hardship letter should be your first response to deed in lieu of foreclosure.

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