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Written By: Nick Adama

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1. 1. How Borrowers Can Avoid the Worst When Getting a Foreclosure Refinance
   One option for those owners having trouble making their mortgage payments is a foreclosure refinance. In the past two years, millions of people have had their mortgage payments sky rocket due to rising interest rates. (Posted: 2010-02-09)
   
   
2. 2. How Borrowers Can Obtain a Loan Workout From Their Banks
   A loan workout sounds like a mixture between a yoga routine and a mortgage broker. In reality, a loan workout is what occurs when a borrower and a lender agree to modify the terms of a mortgage in order to avoid a foreclosure. (Posted: 2010-02-09)
   
   
3. 3. Considering Other Foreclosure Options When a Refinance is Unavailable
   In general, foreclosure victims have very low credit and little equity. This means that the majority of people facing foreclosure and wasting valuable time trying to qualify for a foreclosure loan. (Posted: 2010-02-06)
   
   
4. 4. Strategic Default Leads to Foreclosure, Homeowners Don't Care
   More borrowers are turning to strategic default as a plan to sidestep being evicted or being forced to pay for a house that is too expensive. (Posted: 2010-02-04)
   
   
5. 5. Fighting the Foreclosure Legal Process in Florida
   Foreclosures are processed out through local court proceedings. The entire process starts when you fall at least thirty days behind on your mortgage payments. (Posted: 2010-01-22)
   
   
6. 6. Lower Your Bills, Then Negotiate for a Loan Modification
   When you are facing foreclosure, a great aid to your unstable financial situation is the possibility of getting a mortgage modification. This is when the original terms of the mortgage on your house are changed so you can make more affordable payments on time. (Posted: 2010-01-21)
   
   
7. 7. Foreclosure Rates Across the Nation's Real Estate Market
   The main areas that real estate investors and buyers look at when considering nationwide foreclosure statistics are the number of foreclosure filings in a certain area and the price of homes in those same areas. (Posted: 2010-01-19)
   
   
8. 8. Negotiate with Your Bank for a Loan Modification to Halt Foreclosure
   Usually, the process of foreclosure does not commence until you have incurred three periods of nonpayment on your mortgage. If you see this becoming a reality in your current financial state, now is the time to act. (Posted: 2010-01-18)
   
   
9. 9. Negotiate with the Bank to Stop Foreclosure with This Information
   Did you know that it is cheaper for banks to keep you in your home than actually go through with a foreclosure? This fact alone can help you save your home. (Posted: 2010-01-12)
   
   
10. 10. The Two First Steps in Getting Foreclosure Help
    If you are facing foreclosure now or far enough behind in your bills to worry about the possibility, getting foreclosure relief needs to be your first objective. (Posted: 2010-01-11)
    
    
11. 11. Foreclosure a Type of Local Wealth Destruction
    Mortgage giant Freddie Mac has estimated that the average cost to a lender of foreclosing on a property is close to ,000, with other estimates placing the total cost to the homeowner, lender, surrounding community, and local government close to ,000. (Posted: 2010-01-07)
    
    
12. 12. Licensing Laws - How Violations Can Fight Foreclosure
    When homeowners are sold a home or given a loan by unlicensed representatives, it may help their foreclosure lawsuit defense to raise these issues in court. (Posted: 2010-01-05)
    
    
13. 13. Losing a Home to Foreclosure and Domestic Relations Issues
    When there are other issues in addition to a foreclosure, the housing situation becomes even more complicated. And even worse, cases of divorce and domestic violence increase during times of economic recession. (Posted: 2010-01-04)
    
    
14. 14. The United States Consumer Banking and Payments System
    People who use money are often woefully uninformed about the aspects of the banking and payment systems that exist in the country, as well as the regulations which govern those transactions. (Posted: 2009-12-30)
    
    
15. 15. How to Dispute Aspects of a Mortgage with a Qualified Written Request
    When attempting to get information from a lender or servicing company, homeowners can take advantage of their legal opportunities under the Real Estate Settlement Procedures Act to send a Qualified Written Request (QWR). (Posted: 2009-12-21)
    
    
16. 16. FDIC Bank Takeover and Foreclosure - Exemptions to Immunity
    It can be very difficult for homeowners facing foreclosure to raise certain claims in court when the bank holding their loan has failed and been taken over by the Federal Deposit Insurance Corporation. (Posted: 2009-12-18)
    
    
17. 17. FDIC Immunity Against Predatory Lending Claims
    While the government stepping in may make the transition of loans from failed banks to solvent banks a little easier, in cases of default and foreclosure the situation can become more complicated. (Posted: 2009-12-17)
    
    
18. 18. Challenging the Lender's Right to Sue for Foreclosure
    Many homeowners are becoming more aware of the defense to foreclosure that has come to be known as the "produce the note" strategy. This involves challenging the foreclosing lender or servicing company on its legal right to sue. (Posted: 2009-12-15)
    
    
19. 19. Three Issues to Consider Before Applying for a Mortgage Modification
    Homeowners should expect to run into at least three major issues when attempting to qualify for a loan modification. These problems should be considered before the borrowers decide whether to apply for a modification or not. (Posted: 2009-12-09)
    
    
20. 20. Government Loan Modification - Voluntary, Unaccountable, Irresponsible
    The government's programs to help stop the foreclosure crisis were probably started with the best of intention. Good intentions, however, can not cover for economic ignorance and an unwillingness to face the facts of the housing market. (Posted: 2009-12-08)
    
    
21. 21. Don't Ignore Legal Notices When In Foreclosure
    The bank will have no problem opening discussions with the borrowers, all the while proceeding with the legal action and having the house sold. If the negotiations fail, the homeowners can be swiftly evicted. (Posted: 2009-12-03)
    
    
22. 22. Using Government Programs To Avoid Foreclosure VS. Preventing Sheriff''s Sale On Your Own
    Because of the extremelyhigh number of sheriff's sales that has thoroughly wrecked our economy, several local and federal government programs were implemented to help provide relief to property owners. One of the most talked about is what many call "The Obama Plan" or the "Home Affordable Mortgage Plan". Some half a million loans were submitted for approval, but reports show the number of accepted cases are as low as 2000. Only 2000 approvals for 500,000 submissions is pretty discouraging if those figures are accurate. We still tell you to apply for the "Obama Plan", but just make sure you don't count on actually being one of the 0.4% who come out a head. It's crucial that you have a back-up plan; and it would be in your best interest to find a professional to help explore all possible options. (Posted: 2009-12-03)
    
    
23. 23. Simple Ideas for Foreclosure Help in Tough Economic Times
    Homeowners should keep in mind that the bank or mortgage servicer is 100% able to stop the foreclosure whenever it wants. Before doing anything at all, though, homeowners need to decide if the home is worth keeping. (Posted: 2009-12-02)
    
    
24. 24. Long-Term Land Contracts and Foreclosure
    These contracts, also known as installment land contracts, land sale contracts, long-term land contracts, bonds for deed, or contracts for deed, are simply alternatives to a mortgage or deed of trust. (Posted: 2009-12-01)
    
    
25. 25. Reasons to Fight a Foreclosure Case
    When foreclosure happens, many homeowners simply go into hiding for months at a time. A few weeks before the property is auctioned off by the county, they decide to look into options to save the home. (Posted: 2009-11-30)
    
    
26. 26. Banks Delaying Foreclosure Auctions to Prevent Losses
    Homeowners who are behind in mortgage payments often make one mistake that, if not made, would allow them many more months to recover financially before losing their home. (Posted: 2009-11-30)
    
    
27. 27. Acquiring A Loan Modification Vs. Refinancing Your Home Loan
    A lot of consumers think that re-writingloan is the only solution when they are trying to stop eviction. This is generally a smart idea. If the value of your home has gone down and you are "upside down" in your mortgage, then you need to decide if keeping your property is even the smartest move. Short sales can be difficult, because your servicer will not easily agree to this solution and may seek a deficiency judgment after the property sells. Professional short sale negotiators are available at no charge (to the homeowner). Your bank uses professionals, you should have the same advantage! (Posted: 2009-11-22)
    
    
28. 28. How Getting A Loan Modification Assists People Avoid A Sheriff's Sale
    Receiving a mortgage modification is one way that a consumer can avoid a sheriff's sale. When considering a loan modification, you will need to represent your financial position in the most illuminating way to your loan servicer. This is a good reason to hire a professional to discuss their situation with their bank, rather than attempting such an important task on their own. (Posted: 2009-11-20)
    
    
29. 29. Fight Back Foreclosure - Use Information Against Your Mortgage Company
    A smart home owner can use a little known fact to their advantage to try to halt foreclosure by their banker. In the long run, it would be cheaper for lenders to negotiate with the home owner to find a solution to the problem than evict them from their home. (Posted: 2009-11-16)
    
    
30. 30. Foreclosure Assistance – What Options are Out There and How Do You Begin
    When fighting foreclosure, it's nearly impossible to find good help to keep your home. This article will help direct you in the right direction and supply consumers with the tools and information you need to avoid foreclosure. (Posted: 2009-11-13)
    
    
31. 31. Facing Eviction After Losing a Home to Foreclosure
    Despite having six months to a year to live mortgage free, some borrowers are just not financially able to move when required by the courts and the purchaser at the auction. (Posted: 2009-11-11)
    
    
32. 32. Foreclosure Refinance – Avoiding the Pain
    When a foreclosure refinance is needed, knowing where to turn and who can help will go a long way. These tips should help you find the foreclosure assistance you need to avoid foreclosure. (Posted: 2009-11-10)
    
    
33. 33. Foreclosure and What Tenants Should Do if the Landlord Loses the Home
    When homeowners face foreclosure on a property they are renting out, tenants often begin to worry about the status of their home. Will the landlord be able to avoid foreclosure? Should the tenants stop paying rent? (Posted: 2009-11-06)
    
    
34. 34. Getting A Loan To Stop Foreclosure – Eliminate Your Current Lender
    This writing will help you in finding a loan to stop foreclosure and save your home. (Posted: 2009-11-05)
    
    
35. 35. President Obama's Home Affordable Modification Program
    The Home Affordable Modification Program (HAMP) was designed to create broad guidelines for the mortgage industry on modifying loans, as well as provide incentives to servicers to offer modifications. (Posted: 2009-11-05)
    
    
36. 36. Income Taxes and Exemptions Relating to Foreclosure Short Sales
    Homeowners who sell their homes through a short sale are often very concerned about the tax implications. The bank is then responsible for reporting the forgiven amount to the IRS as income to the borrowers. (Posted: 2009-11-04)
    
    
37. 37. Reduce Your Monthly House Loan Payment With A Mortgage Modification
    How to get a mortgage modification to stop foreclosure and reduce your mortgage payment. (Posted: 2009-11-03)
    
    
38. 38. How Courts Limit Deficiency Judgments After Foreclosure
    With the anticipation of a deficiency judgment, borrowers may feel like they will never be able to move on after foreclosure. However, this is simply not the case. The potential for a deficiency judgment can be very small. (Posted: 2009-11-03)
    
    
39. 39. How Tax Foreclosure Differs from Mortgage Foreclosure
    Some homeowners experiencing double-digit percentage increases in their yearly tax burden, even as they are working fewer hours or taking pay cuts will inevitably come to realize that they can no longer afford to keep up. (Posted: 2009-10-29)
    
    
40. 40. How Foreclosure Works with Manufactured Homes
    Close to eighteen million people live in manufactured homes. The target market for many of these properties are people with low income who are otherwise unable to afford a single family house. (Posted: 2009-10-29)
    
    
41. 41. Are Homeowenrs Safe from Deficiency Judgments After Foreclosure?
    Homeowners are often worried about further collection attempts after a foreclosure has been completed. But in most cases, there is little chance of a deficiency judgment. (Posted: 2009-10-28)
    
    
42. 42. Collection Agencies Unable to Follow Federal Laws
    The Fair Debt Collection Practices Act was originally designed to protect debtors against abuse by collection agencies pursuing a debt. There are numerous violations that may cause penalties against the debt collector. (Posted: 2009-10-28)
    
    
43. 43. Communities Raise Taxes on Decreasing Property Values
    What is most amazing about the real estate downturn and economic depression is that government seems to keep on growing. In fact, government at all levels does not seem to have missed a beat. (Posted: 2009-10-26)
    
    
44. 44. Saving a Home from Nonjudicial Foreclosure More Difficult
    In nonjudicial foreclosure states, homeowners who believe they can fight back against the process face an additional challenge that borrowers in judicial states do not have to deal with. (Posted: 2009-10-22)
    
    
45. 45. Foreclosure - If a Home is Auctioned but Ownership Stays with the Borrowers
    At the end of the foreclosure process, once all of the notices have been sent and published and the lawsuit has ended, a public auction is held to dispose of the property. Sheriff sales do not always go smoothly, and homeowners may need to find out if their home was sold or not. (Posted: 2009-10-22)
    
    
46. 46. The Foreclosure Process and Your Bank's Insolvency
    Many of these banks are becoming insolvent due to their exposure to the subprime mortgage market and other risky loans that they extended to consumers or invested in to take advantage of exorbitant profits. (Posted: 2009-10-21)
    
    
47. 47. What Does Default Mean in the Foreclosure Process?
    When banks foreclose on a home, the owners are often confused by the language used in the various legal documents. One of the terms that causes the most confusion is "default." (Posted: 2009-10-19)
    
    
48. 48. When Lenders Fail to Comply with FHA Preforeclosure Requirements
    The US Department of Housing and Urban Development (HUD) has established requirements that lenders must meet in order to bring a legitimate foreclosure action against homeowners. These rules apply to mortgages that are insured by the FHA. (Posted: 2009-10-12)
    
    
49. 49. Checklist to Produce the Note Strategy to Stop Foreclosure
    One of the defenses to foreclosure that is becoming more widespread is the so-called "produce the note" strategy. Numerous cases have been thrown out once the bank has been unable to prove it owns the loan and can show the original note. (Posted: 2009-10-12)
    
    
50. 50. Using Bankruptcy to Prevent Losing a Home to Foreclosure
    The Bankruptcy Code gives homeowners facing foreclosure the right to cure the default any time up until the foreclosure sale process is completed. The key word here is "process," and state law determines what the process is for a valid auction or sheriff sale. (Posted: 2009-10-02)
    
    
51. 51. Landlords Facing Foreclosure and Tenants Who Stop Paying Rent
    When a home goes into foreclosure while there is an active lease agreement, the lease must be honored by both the homeowners and the tenants. This can be true even after the sheriff sale of the house. (Posted: 2009-10-01)
    
    
52. 52. Fighting Foreclosure in Court and Using Discovery to Uncover Illegality
    When homeowners are involved in a foreclosure lawsuit, either defending against the bank or initiating their own to stop a sheriff sale, there is a vast amount of information that can be obtained from the bank. (Posted: 2009-09-30)
    
    
53. 53. Banks Stop Calling You When You Request Important Documents to Fight Foreclosure
    Often, when homeowners need a specific piece of information from their lender, the bank is suddenly unwilling to communicate. Despite numerous faxes or phone calls, the information never seems to make it from the homeowners to the bank back to the owners. (Posted: 2009-09-29)
    
    
54. 54. Documents You Need to Stop Foreclosure
    When homeowners or their legal advocates are doing research on a loan, there are numerous documents that may help inform their case against a lender. Borrowers should be aware of these different types of documents. (Posted: 2009-09-24)
    
    
55. 55. Turned Down for a Loan Modification? Here's Why
    PSAs set a limit to how many mortgage modifications can be offered by servicers, and these companies may face liability from the trusts or investors that own the underlying loans if they offer too many workout plans to borrowers. (Posted: 2009-09-23)
    
    
56. 56. If You Have Equity, You can Stop a Sheriff Sale
    One of the complaints of many homeowners that face foreclosure but whose houses have significant equity is that their home sells for far less than its fair market value at the county auction. (Posted: 2009-09-22)
    
    
57. 57. Why it is Important to Find Out Who Owns Your Mortgage
    When a lender can not find the original note, courts are deciding that foreclosure proceedings must be placed on hold. Without this document, it can be impossible to prove that one has the right to foreclose on the home. (Posted: 2009-09-21)
    
    
58. 58. Discovering Fraudulent Appraisals During Foreclosure
    In retaliation for the filing of bankruptcy by a borrower, banks and their lawyers have read ambiguous contract clauses to allow the imposition of ridiculous junk fees on accounts. (Posted: 2009-09-16)
    
    
59. 59. Is Considering Bankruptcy A Reasonable Option When Trying To Avoid Foreclosure?
    When you are facing foreclosure, there are several life changing decisions you will have to make. Your choices will mean the difference between creating a better financial decision or making things much worse! (Posted: 2009-09-15)
    
    
60. 60. How Long Do You Get Before It's Too Late To Pay Back Your Bank
    When getting your house out of foreclosure, many people thing that paying the arrears is the only choice. There are other options! (Posted: 2009-09-12)
    
    
61. 61. Where To Find Lists Of People Facing Foreclosure
    If you are trying to find a good deal in real estate, foreclosure properties may be a good place to start. This article will show you where to find foreclosure properties. (Posted: 2009-09-12)
    
    
62. 62. How Banks Overcharge Homeowners in Foreclosure
    When homeowners begin to fall behind on their mortgage, almost immediately, the bank begins adding numerous fees to the balance. A default of a couple months can balloon into a total amount behind equaling nearly half a year's worth of principal and interest payments. (Posted: 2009-09-11)
    
    
63. 63. Foreclosure Crisis - New Regulations Too Little, Too Late
    With the government's overreaction to the financial crisis, there are thousands of pages of new regulations covering the investment banking, mortgage lending, loan servicing, student loan, credit card, and every other financial industry. (Posted: 2009-09-09)
    
    
64. 64. Signs of Mortgage Servicing Fraud and Abuse
    In the past couple decades, since the government essentially created the abuse-encouraging mortgage servicing industry, there has been a wave of lawsuits against these servicers for a range of activities. (Posted: 2009-09-04)
    
    
65. 65. Can A Foreclosure Criple Your Credit Grade When Your Name Is On The Deed, But Not The Loan?
    Many people are wondering how a foreclosure will effect them when they are on the title of the home, but not the loan. This article should help clear up some of those questions. (Posted: 2009-09-03)
    
    
66. 66. How the Government Created Mortgage Servicing Abuse
    One decision that the RTC made when selling the assets of bankrupt banks almost single-handedly created the mortgage servicing industry as it is today. (Posted: 2009-09-03)
    
    
67. 67. Unconscionable Mortgages and the Foreclosure Process
    Homeowners who have been blatantly taken advantage of during the mortgage process may have a defense to foreclosure based on the unconscionable contract. There are a number of factors that can point to unconscionability in a loan. (Posted: 2009-09-02)
    
    
68. 68. Foreclosures Exacerbated by Expensive Credit Insurance
    Some homeowners, when they originally purchase their home or refinance, are pushed into an expensive "credit insurance" policy. These schemes can often just be one more way that lenders enrich themselves (Posted: 2009-09-01)
    
    
69. 69. How Financial Firms and Government Increase Foreclosure Rates
    One of the factors that has had the greatest impact on the subprime mortgage frenzy and the deterioration of lending standards in the mortgage market was the transferring of risk. (Posted: 2009-08-27)
    
    
70. 70. Is the Bank Violating its Duty of Good Faith with Your Foreclosure?
    When homeowners fall into foreclosure and the bank or trustee has a public auction of the home scheduled to satisfy the debt, there are various duties that must be met for the sale to be valid. (Posted: 2009-08-26)
    
    
71. 71. Nonjudicial Foreclosure - Violation of Borrowers' Due Process Rights?
    In states that allow a nonjudicial foreclosure through a power of sale clause in a deed of trust, homeowners find that their properties are sold out from under them without a hearing or chance to defend themselves. (Posted: 2009-08-25)
    
    
72. 72. MERS and Foreclosure - How Does It Work?
    MERS, short for the Mortgage Electronic Registration System: What this company is and what it does is a bit unclear, but many homeowners have had this company attached to their mortgage somewhere along the line. (Posted: 2009-08-24)
    
    
73. 73. Fighting Foreclosure - Three Ways to Do It
    Whether they are defending a bank's lawsuit against them, or initiating their own to stop an auction under a power of sale clause, there are three main categories of defense that borrowers can consider. (Posted: 2009-08-20)
    
    
74. 74. More Rights of Homeowners in Foreclosure
    Many homeowners are not quite clear on how the foreclosure process works in their state, especially due to differences between judicial and nonjudicial foreclosure proceedings. State law and federal lending law may also affect how the process moves forward, as HUD-guaranteed loans or those insured by the FHA can complicate the matter even further. (Posted: 2009-08-19)
    
    
75. 75. Relevant Court Cases to a HUD or FHA Mortgage Foreclosure
    When a mortgage is insured or guaranteed by the Federal Housing Administration (FHA), an agency overseen by the Department of Housing and Urban Development (HUD), servicing companies must follow HUD servicing guidelines. (Posted: 2009-08-17)
    
    
76. 76. Different Types of Foreclosure Used in a Handful of States
    A few states still allow two different methods of foreclosure, one called strict foreclosure and the other called foreclosure by entry and possession. While they are used in only a minority of cases, borrowers should be aware of them. (Posted: 2009-08-17)
    
    
77. 77. Foreclosure Rates Are Still Growing, Despite All The Government Bailout Plans
    If you are facing foreclosurethen you need to consider your future and do everything possible to prevent the foreclosure. A mortgage workout plan is the quickest and easiest way to save your home from foreclosure. (Posted: 2009-08-11)
    
    
78. 78. How To Build Your Credit After Bankruptcy
    If you have chosen bankruptcy Chapter 7 or Chapter 13 to ease your financial stresses, then you may be looking for ways to raise your credit score back up. (Posted: 2009-08-10)
    
    
79. 79. Convenient and Inconvenient Foreclosure Facts
    In the wake of Hurricanes Katrina, Rita, and Wilma in 2005, many agencies of the federal government imposed foreclosure moratoriums, including HUD, the VA, the Rural Housing Service, Fannie Mae, and Freddie Mac. New foreclosures were held off on, while foreclosures already going through the court system were postponed. (Posted: 2009-08-10)
    
    
80. 80. Court Foreclosure Moratoriums And Loan Workout Plans
    Many people think Obama's bailout plan is going to help the foreclosure situation. This is not the case and people need to start thinking rationally and take the steps needed to save their home themselves. (Posted: 2009-08-07)
    
    
81. 81. Getting AssistanceFrom Your Lender When You Are Facing Foreclosure
    Working with your lender or service to get a loan modificaiton is no longer as easy as it may seem. Here are some simple tips to help you get the results you need when negotiating with your lender. (Posted: 2009-08-06)
    
    
82. 82. Average Cost of a Foreclosure ,000 to Local Government
    One of the consequences of building a business model on the assumption of perpetually rising housing prices is that, when those values stop rising and actually begin falling, it becomes increasingly difficult to stay in operations at the previous bubble level. (Posted: 2009-08-05)
    
    
83. 83. High Foreclosure Rates Create a Huge Burden on Communities
    The process by which lenders were able to offload liability onto insurance companies and other parties has resulted in huge costs to communities across the country as foreclosure rates have skyrocketed and remained high. (Posted: 2009-08-05)
    
    
84. 84. Fewer People With Jobs, Fewer People for Government to Prey On
    In the latest raid, the government seized over 7,000 safety deposit boxes owned by private citizens and have declared that 90% of them were being used in crimes. In fact, each box itself is treated as a separate crime scene by the UK police. (Posted: 2009-07-31)
    
    
85. 85. Getting Back On Track Of Your Credit After Foreclosure
    Making drastic changing in your monthly expenses can make the difference between keeping and losing your home. When you are facing foreclosure, you need to act quickly to save your home! (Posted: 2009-07-30)
    
    
86. 86. Bailouts Remain While Other Financial Regulations Change
    The same institutions and people who were tasked with preventing abuse or fraud from running rampant in the economy too often fail in their jobs. But the only reaction to these failures is to give the exact same regulatory agencies more power and money. (Posted: 2009-07-29)
    
    
87. 87. No Equity Back from a Foreclosure Auction? Maybe the Bank Planned it That Way
    Many people facing foreclosure do not realize it, but there are several areas of the law that prohibit a mortgage lender from taking advantage of homeowners in a foreclosure situation. (Posted: 2009-07-28)
    
    
88. 88. Loan Modification Frequently Asked Questions
    After all the changes in government regulation and new bailout programs, getting a loan modification seems to be harder than ever. Here are several questions and answers that will help you through this new difficult process. (Posted: 2009-07-27)
    
    
89. 89. Can We Trust the People Who Created the Foreclosure Crisis to Fix It?
    A few weeks ago, President Obamamade yet another announcement about the banking and housing markets. This latest one will be an enormous overhaul of regulations on banking and the financial industry. (Posted: 2009-07-23)
    
    
90. 90. Confusing Real Estate Closings Lead to Foreclosure
    One of the most stressful periods in any homeowner's life is the few days and weeks leading up to the closing of the real estate sale and the funding of the mortgage. The hectic nature of this process makes it far more likely for borrowers to feel rushed and stressed out. (Posted: 2009-07-21)
    
    
91. 91. State of California Another Victim of Foreclosure Crisis and Government Growth
    Since the collapse of the economy began with the rising foreclosure rate in subprime mortgages, the state of California has become a microcosm of the entire American housing market. With each passing month, the state finds itself closer to filing bankruptcy. (Posted: 2009-07-21)
    
    
92. 92. After the Housing Market Collapse, the Lawsuit Bubble Begins
    As is the American tradition, one of the hallmarks of our culture and an activity a majority of the population engages in at one time or another, as soon as the housing bubble burst, the lawsuits began. (Posted: 2009-07-20)
    
    
93. 93. Emergency Medical Care -- When Hospitals Run Out of Room
    These health issues are ones that people will need to begin thinking about more often, as the government has proved that it is incapable of providing people after emergencies with necessary assistance. (Posted: 2009-07-02)
    
    
94. 94. Hard Hit Foreclosure Areas in Danger of Home Invasions
    The type of person robbing a home is often cowardly and will rely on brute force. If he was hardworking, he would have a job. And if he was a master criminal, he would be knocking off a richer target -- someone breaking into a home is looking for an easy score. (Posted: 2009-07-01)
    
    
95. 95. Medical Care in the Absence of Hospital Care
    In a situation of natural disaster, economic collapse, rising unemployment, decline in government services, and increasing health care costs, it may be necessary for homeowners to survive on their own with a lower standard of medical care. (Posted: 2009-06-30)
    
    
96. 96. Incentives to Pump and Dump Foreclosure Victims Again
    New guidelines reward mortgage servicing companies with thousands of dollars of taxpayer money for offering loan modifications that will almost certainly redefault. (Posted: 2009-06-29)
    
    
97. 97. Should Foreclosure Victims Walk Away from the Real Estate?
    Of the thousands of investors who are behind on mortgages, how do they know when it's time to walk away or try and fight to keep the investment property? This article will help sort out those answers and help provide solutions to stop foreclosure. (Posted: 2009-06-25)
    
    
98. 98. How To Steer Clear Of Foreclosure Scams And Scumbags
    With all the foreclosure bailout plans and foreclosure moratoriums, why are so many people still losing their homes? In this article, we'll discuss these issues and how to save your home from foreclosure. (Posted: 2009-06-22)
    
    
99. 99. Will All The Foreclosure Bailouts Bail You Out Of Foreclosure?
    With all the foreclosure bailout plans and foreclosure moratoriums, why are so many people still losing their homes? In this article, we'll discuss these issues and how to save your home from foreclosure. (Posted: 2009-06-19)
    
    
100. 100. Foreclosure Process Questions and Answers And How It Will Effect Your Family
     If you are facing foreclosure then you probably have many questions about the foreclosure process and what's going to happen to your home. We'll try to answer the most popular questions and give you advice on how to make it through such a tough time. (Posted: 2009-06-19)
     
     

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