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Facing foreclosure? Know your options!
Facing foreclosure? Know your options!
Foreclosures climbed a record 81% in 2008, with over 860,000 families losing their homes. In 2009, an additional 3 million foreclosures are predicted as temporary postponements end and homeowners are increasingly incapable of paying the mortgage during this brutal recession.
If you're having trouble making your mortgage payments or are already in jeopardy of foreclosure, The Foreclosure Survival Guide compassionately gives you the practical information you need, step by step.
An essential tool for anyone at risk of foreclosure, The Foreclosure Survival Guide provides key information about:
evaluating factors and risks when determining whether to stay in your home
staying in your home payment-free while saving money
using Chapter 7 bankruptcy to buy time while considering a workout or other options
using Chapter 13 bankruptcy to save your home
avoiding "foreclosure rescue" scams and using free government resources
utilizing "last resort" strategies if all else should fail
The Foreclosure Survival Guide gathers all the information Attorney Stephen R. Elias has used to help hundreds of clients over 30 years of practicing law and shows you how to deal with foreclosure in your state.
Table of Contents
Your Foreclosure Companion
1. Foreclosure: The Big Picture
A. What to Expect
B. Your Options: An Overview
C. How You Can Stay in Your House Payment Free
D. Why Foreclosure Doesn’t Have to Be So Bad Don’t Get Scammed by a Foreclosure “Rescue” Company
2. Foreclosure Nuts and Bolts
A. How Much Time You’ll Have to Respond In or Out of Court?
B. Deficiency Judgments: Will You Still Owe Money After the Foreclosure?
C. Taxes
3. Can You Keep Your House? Should You?
A. The Emotional Part of Foreclosure
B. The Economics of Foreclosure: What You Need to Know
C. When It Makes Sense to Keep Your House
D. When It Makes Sense to Give up Your House
4. Negotiating a Workout
A. Do You Have Enough Time to Negotiate?
B. Working With a Nonprofit Housing Counselor
C. Basic Workout Options
D. Workouts for Government-Backed Mortgages
E. Special Protections for Service Members on Active Duty
5. How Chapter 13 Bankruptcy Can Delay or Stop Foreclosure
A. Using Chapter 13 to Keep Your House
B. Using Chapter 13 to Delay Foreclosure
C. Coming Up With a Repayment Plan
D. An Overview of the Chapter 13 Bankruptcy Process
E. Will You Need a Lawyer?
6. How Chapter 7 Bankruptcy Can Delay or Stop Foreclosure
A. How Chapter 7 Bankruptcy Helps You
B. Using Chapter 7 Bankruptcy to Keep Your House
C. Using Chapter 7 Bankruptcy to Delay a Foreclosure Sale
D. The Chapter 7 Bankruptcy Process: An Overview
E. Do You Qualify for Chapter 7 Bankruptcy?
F. Will You Need a Lawyer?
7. Fighting Foreclosure in Court
A. How Long Can You Delay the Sale of Your House?
B. When It May Be Worth Fighting
C. How to Fight a Foreclosure
8. If You Decide to Leave Your House
A. Let the Foreclosure Proceed
B. Sell the House in a Short Sale
C. Offer the Lender a Deed in Lieu of Foreclosure
D. Avoiding Deficiency Judgments
E. Income Tax Liability for Deficiencies
9. How Long Can You Stay in Your House for Free?
A. When You Miss Your First Payment
B. After You Receive a Formal Notice of Intent to Foreclose
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