Excerpt for How I Stopped My Home Foreclosure With No Attorney or Short Sale by , available in its entirety at Smashwords


Facing foreclosure on your home is a terrible thing. Most people work long hours and save money for many years just to be able to own their home and a piece of the American dream. Then because of a loss of a job, illness or in my case a partner stealing more than half a million dollars from my company, you end up facing the loss of your home. The fear, dread and uncertainty can be almost overwhelming for you and every member of your family.

Do not fear. There are several options available to stall and even prevent foreclosure and eviction, particularly if you expect your financial downturn to be temporary. In other words, if you can show that you are expecting a rebound in your business or a return to cash flow by obtaining a job in the near future, you have a much better chance of saving your home by using that information as leverage to negotiate with the mortgage company. Keep that in mind as we proceed.

We live in world now where almost all knowledge is readily accessible to anyone with a computer or smart phone. Gone are the days of only a select group of people having all the knowledge and information that is required to complete difficult tasks. You can now learn how to repair a vehicle, program a computer and even diagnose a medical issue. This in no way does away with the experts in their respective fields. However, we now can and should be well informed about our interactions with doctors, lawyers, mechanics, etc.

Allow me a few disclaimers to begin.

One, this book does NOT offer legal advice. It is my story. These events really happened to me and as such, it is protected by the 1st Amendment of the Unites States Constitution. I am merely telling how I postponed the foreclosure of my home for four years and ultimately secured refinancing. If you are facing foreclosure you can and should seek legal counsel from a licensed attorney. However, everything I did can be done without an attorney. As well as almost all other information in the world, everything that I learned, including legal options, is readily found on the internet and available to anyone for free. Obviously, every situation is different and not all of the strategies that I employed can be used by everyone.

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