A Survivor Mentality When It Comes to Foreclosure
The constant depressing news about foreclosures and the economic state of the entire world is more than enough to cause anyone to give up and wait for Armageddon to come. However, you can still fight back against foreclosure and do something about your financial situation.
Most people are tired of the foreclosure crisis and the prices that are completely out of control. It may feel like the average person is being pushed around by forces they have no control over.
Bad things do indeed happen to good people. Many people can suffer a divorce, a job loss, have unexpected medical bills, have to pay college tuition or they may simple have bad credit. There are many things that happen to genuinely good people that simply cannot be helped. However, these good people are often penalized by creditors. It would be interesting to see how many of the creditors that harass customers have poor credit themselves.
Homeowners have rights as we all do. There are many that believe that the capitalistic society has set all of us up to not succeed. This means that it is imperative that we do not stop fighting the creditors who are taking our cars, homes, and keeping students out of college.
Foreclosures have never been higher and there is hardly anyone who would be considered as having “good credit”. Divorce rates are as high as they have ever been and college is becoming an impossible goal for many young people.
It is important to gain as much knowledge as possible if we are being faced with foreclosure. It is vital to learn as much as you can about repossession, foreclosure, the fair debt reporting act and what our legal rights are. These laws are in place to protect us.
There are many aspects about foreclosure that individuals should learn about. All homeowners should know that there can be about sixty five violations on mortgage closings. Each of these violations comes with a hefty fine. It is also possible to file a petition to stop a foreclosure and request a jury trial. Homeowners should also know that all debts have to be verified by your creditor.
It is vital to learn all you can about finances when it comes to your home and the economy in general. There are many outside forces that want to tell us all what we can do and what we cannot do. They tell us what we can keep and what we cannot keep. Individuals work hard for what they have so they should do all they can to keep their things.
It is important to stand up and fight and not let circumstances get the best of you. Individuals should not give up their cars or their homes. With the cost of food, gas and just about everything going up in price, individuals should at least have a stable home for their families.
Children deserve a place to lay their heads and no one should have the right to take that away when most people truly do want to be stable financially.
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Definitely a reflection of the economy as a whole. Not only housing prices drop but the collapse of the credit markets. Eventually we will ride out this problem, but if you have cash now there are some bargains to be had.
http://gewdir.com the bad credit loans blog
I agree. I survived foreclosure! My name is LaTonya S. Johnson, and I faced foreclosure after pregnancy. I’m not certain if you have children, but this was my first. Well, I was never told that pregnancy can make you dumb, literally. Seriously, I could not think clearly enough to even get dressed for church. I would go around in circles until finally, I’d give up and go back to sleep.
During my foreclosure, I had a little money; I just didn’t have $1,200.00 for the mortgage payment one month. When you miss one month, you must make 2 payments the next month. By this time I had enough money for 1 payment but not two. It quickly began to snowball. I had spoken to my lender (the operator forwarded the call to the collections department) and requested assistance and they were extremely rude. After that I buried my head because I didn’t now that options existed. Now I know that I spoke to the wrong department. After lots of research, I found that most of the people being scammed have paid from $500-$2500 for services; hence they do have money (just not enough to make a mortgage payment).
After going through foreclosure, I began to conduct free seminars at the Power Center to help the community. I then decided to write a book and inform readers about the options that lender’s and other professionals do not freely provide. They may provide bits-and-pieces but rarely do they connect the dots. That’s what I did. I think that it’s the most comprehensive book of its kind, and I’d like to get your opinion; it only costs $20.00. It was important for me to offer a soft cover copy because many people prefer bound copies. That’s were the cost comes from, publishing.
This book isn’t just for those who are currently facing foreclosure. New homeowners will benefit the most because if they ever get into a bind, the information will be readily available. Just like homeowner’s insurance. Surely you never want to use it, but it’s better to have it just in case.
Nevertheless, let me know what you think after your review.
Here is the link:
http://www.lulu.com/content/1197270