I’m Sorry To Hear About Your Pending Foreclosure. 

 Here are 4 Real-Life Tips That Will Help You Now:

It’s a matter of public record that you are having financial problems. And I think can help you. You may not know who I am or why I’m contacting you. First, let me give you something...

Here are 4 things you should know to reduce your stress:

1. You have a minimum of six months to live in your house before the bank can kick you out. This time starts from the date the bank files the notice of default.

If you're in pre-foreclosure because of a loss of income, you need to know what bills to pay first. Obviously, your first priorities are to pay for food and transportation. You need to be able to get to work and feed your family. So, pay for things in this order of priority:

1. Food. You have to eat to stay alive.
2. Utilities such as electric and gas. You need electricity for lighting and to heat or cool your home.
3. Gas to get to work.
4. Next is your car payment. If you can't get to work, you can't make money to eat. 
5. After that, I would pay my car insurance. You don't want to go to jail for not having insurance. But, shop around. You can often reduce your insurance rates substantially just by shopping around.
6. Don't worry about the home insurance. The mortgage company will know if you don't have a policy in place and pay for it themselves. 
7. If you have any money left after all of these things are paid, pay the house payment next. If your mortgage is too high, you can attempt to get a payment reduction from your lender. 
8. Only after you are taking care of yourself and your family should you pay any money to unsecured debts such as credit cards and student loans. This leads to my next point.

2. Paying credit cards and other unsecured debts is your lowest priority. The reason these people blow up your phone is because that is their only option to collect from you. They don't have any collateral to get their money back. They can't come get your car or take your house.

So they make up for that by blowing up your phone with harassing calls. In addition, they use deceptive tricks to get you to pay them. 

3. Never give your checking account or debit card info to any debt collector. 

4. Don't talk to debt collectors if they get to you emotionally. You're already stressed out enough, right? One nasty call can ruin your entire day. You need to keep your sanity to get through this.   

I hope this helps you reduce the stress. Now, why did I send you this letter?

I am a Realtor who can help you.

I’m sure you’re getting correspondence from all sorts of people offering their services. You need real solutions that get to the core of the problem.  Often,  you have vultures offering to buy your home and give you little to nothing for your hard-earned equity.

The reality is that most of these solutions are simply patches with short-term fixes. Let’s say you declare bankruptcy and get to stay in your home. Within 6 months, your lender can have the bankruptcy discharged and sell the property on the courthouse steps.

They will then kick you out on the street and leave your credit ruined. I can help you with real solutions — solutions that will put this bump in the road behind you and help you get your life back on track.

When you call me, I’ll tell you exactly how much longer you have to live in your home before the bank can take it. You may be asking yourself, “How do you know that?” Well, let me tell you. I’ve been helping homeowners in pre-foreclosure for a long time.

I’ve talked to them in their living rooms and heard their hardships firsthand. It seems we’ve become a nation of mortgage slaves, working our lives away for the banks, the bean counters, and their army of lawyers.  

I know how stressful this whole process is. Likely you have equity and why would you want to give it to the banks or lose it completely? 

You see, I’m not an investor looking to steal your home, nor am I a hardcore salesperson looking to take advantage of you. I just want to help you.

" If you have equity, use the proceeds from the sale of your home to pay off your remaining mortgage debt, including any missed mortgage payments or other debts secured by your home" 

Warning! Do NOT Let The Bank
Foreclose On Your Home Unless...

You feel comfortable the bank will look after your best interests. Remember, they have a financial obligation to look after their own interests before they look after yours.

You don't mind the bank being at the bank’s mercy. (After all, they are in control of the process — not you.)

I offer a free Free Consultation where I’ll show you all of your options to avoid foreclosure.

Here's what I will explain in your free consultation:

First, you’ll learn about all the different options available to you. See in-depth exactly what you can do in your situation. You and your family will be able to discuss these options and make a plan.

You’ll get back your sanity and feel in control of your life again. No more feeling helpless up against the banks and their lawyers. There is nothing that drives people crazier than feeling they have no control over their lives. Finally, get a grasp on what’s going on and what you can do about it.

You can make plans to stop the foreclosure. Take your life back. You can get rid of the constant stress and worry you’re experiencing right now. 

"You and your family need to know your options. Don’t let the corporate bigwigs take any more pleasure in your hardships"

The Bottom Line

There is one thing you should never believe in any foreclosure situation, and that is giving up — or believing there’s nothing you can do to improve your situation. There is hope. Call me now for a free consultation on how you can avoid foreclosure.