Ways to save your house from the dreaded Foreclosure!

While going through one of the toughest times of my life, I've found that talking to others about my situation is bringing more people out in the open about their own financial problems. Many people who I've spoken to are in exactly the same situation. They aren't lazy people. They are hard working people who have been caught in downsizing, or losing hours because of cutbacks, divorce and other reasons that are somewhat uncontrolable on their end.

I've found many people are on the verge of losing their homes in foreclosure. They are very worried as was I before I figured out where I was moving to and that there was a light at the end of the tunnel.

I've been doing some research on foreclosures and finding that there are some things that you can do before it's too late. I've found some interesting information on how to stop the foreclosure process and to start to get out of losing your house. Some of these things may seem like common sense, but while going through the stress of everything, you sometimes over look these things and then get to the point of no return and can't get yourself out of it.

Click Here to see this particular ebook which seems to be straight forward and to the point about the steps you need to take in order to save your house from foreclosure.

My situation is a little different right now from those who are going into foreclosure, but I want to help those of you who might need some direction at this point.

It's a small price to pay for saving your home and your dignity.

Best of luck to you and I hope this helps.


Stop Foreclosure Now!

Evicted from your home?

Ever think that could happen to you? Me either.

I've always been a survivor. I thought I could handle anything after being through what I thought was hell and back. Now I'm being evicted from the place I've called home for the past 4 years... and I feel like I'm right back to square one.


I did the divorce from hell... and survived. The first year or so was rough. I almost lost my house because the ex didn't pay the mortgage and I didn't know about that when I got the house in the divorce settlement. The house was going into foreclosure. Now I know why he didn't care about losing the house to me.


I had to file bankruptcy in order to keep the house and then later lost my full time job and just couldn't do it anymore, so I sold it and moved to my current place. I had made money from selling the house and decided to pay an entire year of rent to my landlord so that I wouldn't have to worry about getting a job right away or how I was going to pay my bills. The time prior to getting out from under the house payments was so stressful that I didn't want to deal with where the money was going to come from, so that's what I did. I signed the lease and we moved in.


Before the first year's lease was up, I started working a full time job that I loved. I made good money and was able to pay all my bills from that one job and I quit my part time job. Life was good... until my accident.


Long story short, lady runs the stop sign and T-bones me in my work van. Back and shoulder pain that subsides only once in a while. Physical therapy for 6 weeks and they send me back to work. Staying in any one position for long periods of time aggravates it, including standing and any kind of moving. I have a hard time sleeping since then and I just can't do what I used to do. It may be that I'm getting older, but none of this ever bothered me before the accident.

So while on Workman's Comp, my best friend and I decided to try to start an online business selling organic food. We know nothing about how to go about it, so we start doing research on the "how".... Finding out all the ins and outs of starting a business online. There is so much that we didn't know! Actually filing the paperwork and getting it off the ground is going to have to wait until we do more research!


So I go back to work just after Easter of that year which would make it the end of April, beginning of May. It bothered me to drive for long periods of time, but I was dealing with it. I had to pay my bills somehow. I have always been a hard worker. Working 2 or 3 jobs at a time to make ends meet when I had to.


So what changed? Well, that summer after the accident, they started giving me less hours. I drove a cleaning crew to all of our new construction job sites. Because of the economy, people stopped buying new houses, so the builders stopped building and that meant there weren't any new houses to clean... hence, I got layed off on Labor Day of 2006.

We decided to jump right into our online business... without completing our research on the "what" to sell. Afterwards, finding out that Walmart, Target and most major grocery stores now carry organic food... we didn't do very well and lost alot of money doing it. So as I tried to learn how the other online marketers do their thing and make money, my savings started to dwindle quickly.

I needed to do something... Not knowing what kind of job I would be able to do, that would make enough money to pay the bills and coincide with my daughter's busy schedule, I started trying to promote affiliate products and selling my treasures on eBay. I made a few affiliate sales, and sold some of my things on eBay, but not enough to make ends meet. My credit cards are maxed from paying for food and necessities. I'm behind on those payments. I'm behind on utility payments. I'm behind on my car payment... and behind on my rent.

I can't say that this snuck up on me. I've known that I was getting into the "danger zone". I just thought that I would be able to pull it off and get back on my feet before it got this bad because I've always been able to before.

My landlord had told me that since I had over 2 months rent as security, that she would let me go for 2 months, but not any longer. That I needed to find a job and get back on track with my rent payments. I agreed, but still needed to give the online marketing a chance. I know people are making money online... I know I can do it too!

The next month comes and I've paid my rent late. Same with the following month. Then we come to December and I just don't have it. Christmas is just around the corner, I have no money for gifts for my daughter and all my bills are way overdue.

So a week before Christmas, both of my landlords show up knocking on my door. I know it's coming. I cringe everytime the phone rings or someone knocks at my door. Knowing it's someone else who wants their money... that I don't have. She wants to know where the rent money is again. I tell her I don't have it. Keep in mind that this is the 2nd month that I am behind with and she had said 2 months would be ok. He stays quiet except for appologies for having to do this.

So evidently it's not ok now. I currently don't have a lease and we've been going month to month without any problems until recently. I had a lease for the first year but we never got together to have any additional leases signed. I was ok with it. My landlord (the husband) has always been very nice to me. I'm sure it's because I've never been a problem to them until now. It's funny, I never met his wife until my money problems started. Oh, I did meet her once at their home when I lost my keys and they had to send a locksmith out to re-key the garage door. She seemed ok, but I was only there for a short time. I offered to pay for the locksmith, but he had said it was ok and he would take care of it.

She is way more aggressive than he is, so I'm assuming that she didn't think he would be able to handle the conversations that needed to be had with me about paying the rent. They used to live in a condo when I first moved in... They had a house built (after I paid the entire year's rent in one lump sum) in a very nice senior development. I'm thinking... she's one that wants to live out of her price range and any little problem with one of their tennants paying their rent will land them right back into the condo... so she's taking charge now. (I currently don't have much room to be talking about this, although I'm far from being a snob)

Anyway, she has this undertone to her voice that irritates the hell out of me. Supposedly helping me get a job, calling me anytime she sees a help wanted sign... very pushy.
She knows nothing about me and says that I haven't done anything about getting a job... She said she thinks I'm lazy... and what goes around comes around.
What the hell does that mean? I've always been a very giving, considerate, compassionate person.
Needless to say, that conversation with her didn't end very well.

I know that God is always with me and that I'm constantly learning lessons. That's what guides me through my life... I learn the lesson and then I can move on.
But maybe it's not my lesson that needs to be learned.
Maybe it's someone else's lesson and I'm just the vehicle to get that message across.
Maybe I have been lazy.
Maybe I have procrastinated.
Maybe I have been feeling sorry for myself.
Maybe I have underlying health issues from the accident keeping me from doing what I have to.
Maybe I have given up the fight... temporarily.
Maybe I needed something to motivate me.... Done!

For the past few weeks, we have been packing up our stuff and moving it into storage because I don't know where we are going. I want my daughter to finish this year in the same school.

I've been asking people if they can take our animals. My African Gray and guinea pig went to my best friend's house so I know they will be taken care of. I'm having a problem finding a foster type home for our cats. None of my friends can take them. They can't go with the bird and guinea pig because they are allergic to cats over there. Others have dogs who don't like cats... Have cats who don't get along with other cats... Rent and aren't allowed to have cats... So I don't know what I'm going to do with them either.

There are winter rentals at the beach, but they are a different school, don't allow pets and we'd have to be out by the end of May. I guess if I have to then that's where we're going. I don't have money for a security deposit. I won't be able to get utilities in my own name until I catch up on my current ones. My family lives down in Florida and they live month to month with no extra room... plus I have no money to move that far.

So when she came over the last time pushing for a date that we would move out... I couldn't give her one and she got pissed. What are my options... there aren't many.

What prompted me to start this blog was the certified letter that I received today. It was from my landlord about being sorry for them having to toss my butt out. There are some non truths which don't have a bearing on the fact that I haven't paid my rent, but they are technicalities that might buy me some time. I don't have an attorney and don't plan on getting one. I don't have the money. I'm not a stupid person, so I will jot down some notes for when I have to go to court and it will all work out.

I've already been to apply for Welfare and Food stamps. I will have to wait 2-3 weeks before I know if I'm approved. Nothing was said about housing at all. I thought all of that was linked together when you applied for one... all is included if you need it. The guy never said anything about going to any of the other buildings to apply for the other things that are needed... Like housing.

In the certified letter, my landlords included some names of programs that might help with the addresses and phone numbers. I heard of a couple of them, but didn't know where to find them. Now I know. I will head down there on Monday... the same day they are "initiating eviction actions with the court"

I plan on keeping this blog up to date to write about what's happening and hopefully help others to see that they're not alone. Maybe something that I go through will help those of you out.

Here's hoping that 2008 will be better than what we've already been through...