The HALT Foreclosure Manual ©

By Eric L. Bolves, Esq.

Of the Florida Bar

2008 Edition

You already know that Foreclosures are at all time highs.

You already know that you may be at risk at losing your home!

You may not know what to do about it.

The HALT Foreclosure Manual will help you figure out

If you are in danger of losing your home
How to Avoid it
How to deal with your mortgage lender
Where you are in the foreclosure process
What you can do to HALT it
How to find help
If the NEW FORECLOSURE LAW can help
How to make sure it never happens again
How to avoid being cheated by Predators, Scams and Frauds
How to deal with the fear and emotions your family is feeling

The HALT Foreclosure Manual is includes:

Section I: What’s Happening and How Did We Get Here?!

Section II: Dos and Don’ts

Section III: Emotion and Common Sense

Section IV: Take Action Early to Avoid Trouble

Section V: The Household Budget

Section VI: Procedures of Foreclosure

Section VII: Solutions: Ways to Avoid Foreclosure

Section VIII: Predators, Scams and Frauds

Section IX: Plan of Action

Section X: Appendix

The Appendix is full of valuable tools including:

Plan of Action Checklist, Call Contact Worksheets, Household Budget Worksheets,

Mortgage Lenders Contact Numbers, Glossary of Terms and

A Summary of the NEW FORECLOSURE LAW's Title IV: Home For Homeowners Program

About the Author:

Eric L. Bolves, Esq. has practiced law since 1983 in the areas of Foreclosure, Bankruptcy and Social Security Disability. He has been appointed as Attorney Ad Litem by Judges in over 1500 foreclosure cases over the last 15 years and has filed over 4000 bankruptcies for his clients.

What’s Happening and How Did We Get Here?!

Even though the foreclosure should not come as a complete surprise, you may not know exactly what's going on or exactly how you got there. The HALT Foreclosure Manual will help you figuring out what caused the problem and help you make sure it doesn't happen again.

Dos and Don'ts

Finding out that you are losing your home is a very scary situation. Often people don't know what to do. Often they don't act at all, or when they do act, they do all the wrong things. The HALT Foreclosure Manual includes do's and don'ts that will keep you on the right track including ……DON’T FREAK OUT!

Emotion and Common Sense

The fact of a foreclosure can be an emotional shock as well as a financial shock. Everyone feels high emotions when they discover that they may lose their home. How they handle their emotions, is just as important as how they handle their finances in solving the foreclosure problem. Just as you cannot make the foreclosure just go away, you can't make the emotions instantly go away either. The HALT Foreclosure Manual will help you and your family deal with:

Loss of Control, Blame, Insecurity, Fear of the Unknown, Hopelessness and depression, Failure, Anger, Personal Worth and Self Esteem, Embarrassment, Anxiety, Worry, Procrastination, False Hope and Unrealistic Expectations

Take Action Early to Avoid Trouble

The best way to avoid a problem is to prevent it from happening in the first place. Hopefully you are reading this page at the first hint of trouble. If so, you have a much better chance at success. The HALT Foreclosure Manual will help you deal with your mortgage lender including:

When to call
Who to call
What to have
What to say
What to Ask
What to expect

The Household Budget

This is bonus chapter from Eric’s upcoming book “Grandma’s Recipe For Debt Free Living.©” It will help you understand what expenses and debts are important, and which are not. The HALT Foreclosure Manual will help you set your priorities, make a budget and stick to it!

Procedures of Foreclosure

If a foreclosure has already been filed in court, it is critical to know where you are in the process and how long it takes. The HALT Foreclosure Manual includes a Timeline to help you understand how much time you have if you are at one of the following:

Late Payments
Notice of Default
The Foreclosure Action (Court)
The Answer
Motion for Foreclosure Judgment or Motion for Summary Judgment
The Hearing
The Sale

Solutions: Ways to Avoid Foreclosure

IT’S NOT TOO LATE! Even if a Foreclosure Action has been filed in the Courts, there may still be many options for you. The HALT Foreclosure Manual explains these solutions including:

The Workout
Loans and Modifications
Refinance
Unusual Solutions
Bankruptcy
Special Circumstances: Natural Disasters and Programs for

Servicemembers and Spouses

CAN’T KEEP IT? Even if you decide not to keep you house, you can still AVOID a Foreclosure Judgment from being put on you record. The HALT Foreclosure Manual outlines your options such as:

Sell Your Home
Assumption
Short Sale
Deed-in-lieu of foreclosure
Bankruptcy

Predators, Scams and Frauds

They say that sharks can smell blood in the water a mile away. They also say that vultures can smell their next meal over a mile away. That may or may not be true, but predators, scams and frauds can smell a home in danger of foreclosure from clear across the country!

While there are people, companies and organizations that can help you in this situation, there are also those who wish to help themselves whether or not it helps you. Some use methods that are legal but unethical, while others don't think twice about breaking the law. The difficult part for you, is figuring out who is legitimate and if the option they are offering is really a good deal for you.

The HALT Foreclosure Manual will help you sort out the good guys from the bad guys and find the solution that benefits you not them!

Plan of Action

A good plan of action will help you get to the best result possible. The HALT Foreclosure Manual will guide you step by step in a three part Plan of Action:

Part A: We will get things organized and figure out the status of your household finances.
Part B: We will take action to save the home.
Part C: If it is not financially possible to save the home, we will help you figure out the exit strategy that is best for you.

Tools to Success

The Appendix contains valuable tools to help you take control:

Plan of Action Checklist: A step by step guide.
Call Contact Worksheet: How to deal with your mortgage lender including when and who to call, what to have, what to say, what to ask and what to expect.
The Household Budget Worksheets: Income and Expenses calculators to help you figure out your financial health and options.
Summary of Title IV: Home For Homeowners Program: The new law!
Mortgage Lenders Contact Numbers: The phone numbers of the largest mortgage lenders.
Glossary of Terms: Plain English explanations of mortgage and foreclosure terms.
Resources: Lists and links to Government and Private sector resources including the laws of your state.

Bonus Materials

Available ONLY to the purchasers of The HALT Foreclosure Manual!

A special website has been reserved for you that includes:

An interactive spreadsheet version of the Household Budget Worksheets.
Audio files recorded by the author that will walk you through the worksheets step by step.
Updates on the information found in this manual.
A complete Link Library of all the resources used in this manual.

For Less than the cost of one day’s interest on your mortgage, The HALT Foreclosure Manual can help you SAVE YOUR HOME.

Order the The HALT Foreclosure Manual Now!

How to Order:

This is a remarkable value at $19.95.

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Contact:

ForeclosureManualSupport@TheLegalCenter.com

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