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<body id="bd" class=" wide fs3" > <a name="Top" id="Top"></a> <ul class="accessibility"> <li><a href="/#ja-content" title="Skip to content">Skip to content</a></li> <li><a href="/#ja-mainnav" title="Skip to main navigation">Skip to main navigation</a></li> <li><a href="/#ja-col1" title="Skip to 1st column">Skip to 1st column</a></li> <li><a href="/#ja-col2" title="Skip to 2nd column">Skip to 2nd column</a></li> </ul> <div id="ja-wrapper">  <div id="ja-mainnavwrap"> <div id="ja-mainnav" class="clearfix"> <ul id="ja-cssmenu" class="clearfix"> <li class="active"><a href="http://www.stopforeclosure.com.au/" class="menu-item0 active first-item" id="menu293" title="Home"><span class="menu-title">Home</span></a></li> <li ><a href="/index.php?option=com_content&view=article&id=214&Itemid=313" class="menu-item1 last-item" id="menu313" title="Contact us"><span class="menu-title">Contact us</span></a></li> </ul> </div> </div>   <div id="ja-headerwrap"> <div id="ja-header" class="clearfix"> <div class="logo-text"> <p class="site-slogan">Avoid Foreclosure Today!</p> <h1> <a href="/index.php" title="StopForeclosure.com.au"><span>Stop Foreclosure</span></a> </h1> </div> <div id="ja-banner"> <div class="advs bannergroup"> <div class="banneritem"><script type="text/javascript"> </script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script> </div> </div> </div> </div> </div>  <div id="ja-containerwrap-fl"> <div id="ja-containerwrap-top"><div id="ja-container-top"></div></div> <div id="ja-container"><div id="ja-container-inner" class="clearfix">  <div id="ja-mainbodywrap"> <div id="ja-mainbody" class="clearfix">  <div id="ja-content"> <div id="ja-current-content" class="clearfix"> <div id="ja-pathway"> <span class="breadcrumbs pathway"> Home</span> </div> <a name="item181"></a> <div class="article-content"> <p id="im6r" class="western" style="margin-bottom: 0in; text-align: justify;"><strong><span class="fs1" style="font-size: 18pt; font-family: georgia,palatino;">How to Stop Foreclosure</span></strong></p> <div style="text-align: justify;"></div> <p id="ewf6" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">Free Report on How to Stop Foreclosure – Understanding the Many Options </span></p> <div style="text-align: justify;"></div> <p id="tt2l" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">Dear Homeowner, </span></p> <div style="text-align: justify;"></div> <p id="t0zl" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">We have the requisite experience having educated hundreds of customers on how to stop foreclosure and avoid making the usual mistakes others make and lose hundreds of dollars! It is imperative that you know your options, so that you can make the right decisions at the right time. </span></p> <div style="text-align: justify;"></div> <p id="mpis" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="z52d" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">It is important to remember that going through financial crunch is common and can affect any and every one any time. Whether it is due to a recent job loss or any other personal set back, resource crunch should not leave you emotionally drained or in a state of panic and anxiety when you have to face foreclosure. You could adequately educate yourself to avoid such a situation in life. </span></p> <div style="text-align: justify;"></div> <p id="b-ir" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="kmon" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">Emotional trauma caused by a financial crisis can prevent you from taking any logical and informed decisions. Yet when it is a matter concerning money and your home, you must never take any decision which is based purely on emotions. </span></p> <div style="text-align: justify;"></div> <p id="cdll" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="y5kl" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">One of the greatest mistakes which people make when they take emotion-based decisions is that they are irreparable and irreversible errors which can completely jeopardise one’s future. </span></p> <div style="text-align: justify;"></div> <p id="w6sw" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="hwqc" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">It is not rare to find people who put all their mental energies on one issue, and that is – how to save the home. They never consider the financial situation in its totality and usually land in deeper financial crises. They forget to consider the long and short term effects which their emotionally-charged decisions may result in. </span></p> <div style="text-align: justify;"></div> <p id="mduh" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="mrsp" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">It is perhaps your first time experience of facing foreclosure. Incidentally, it is not the first time for us. If you allow us to help you out through this situation, we can assure you that we would not only help you stop the foreclosure but also gear you up for future financial success.</span></p> <div style="text-align: justify;"></div> <p id="tt_-" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="zffi" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">There are many ways you could stop foreclosure and it is imperative that you understand all the options available so that you could take pragmatic and logical decisions. </span></p> <div style="text-align: justify;"></div> <p id="cxzb" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="yi.-" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">What are The Most Common Foreclosure Options? </span></p> <div style="text-align: justify;"></div> <p id="c_gc" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="emns" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">While there are many options available for people who are facing foreclosure, here are some of the most common ones. Since the situation for every individual would be different, all the options given below may or may not be available to you. We are there to help you out of the situation, so all you need to do is to call us so that we could discuss your options further. </span></p> <div style="text-align: justify;"></div> <p id="usnc" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="i6es" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">1. Reinstate the Loan </span></p> <div style="text-align: justify;"></div> <p id="hwtc" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">2. Forbearance </span></p> <div style="text-align: justify;"></div> <p id="l03v" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">3. Loan Modification </span></p> <div style="text-align: justify;"></div> <p id="amip" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">4. Mortgage Refinancing </span></p> <div style="text-align: justify;"></div> <p id="y0jq" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">5. Sale of the Property </span></p> <div style="text-align: justify;"></div> <p id="nn_0" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">6. Deed-in-Lieu of Foreclosure </span></p> <div style="text-align: justify;"></div> <p id="rb4y" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">7. Bankruptcy Filing </span></p> <div style="text-align: justify;"></div> <p id="q5st" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">8. None of the above </span></p> <div style="text-align: justify;"><ol id="zwsr"> <li id="eaf1"> <p id="i1_x" class="western" style="margin-bottom: 0in;"><span style="font-size: 12pt; font-family: georgia,palatino;">Reinstate the Loan: This is considered to be one of the quickest ways to end a foreclosure action. You do this by paying the loan current. In case the foreclosure proceedings have not yet been initiated and filed, the payment of loan current would include all the back payments along with late charges and possibly fees for the attorney. </span></p> </li> <li id="b92_"> <p id="gozk" class="western" style="margin-bottom: 0in;"><span style="font-size: 12pt; font-family: georgia,palatino;">Forbearance: In this option the lender would stop or delay any legal action. This can be initiated when you pay the overdue mortgage payments and bring up the situation to current levels. </span></p> </li> <li id="isu:"> <p id="hbqy" class="western" style="margin-bottom: 0in;"><span style="font-size: 12pt; font-family: georgia,palatino;">Loan Modification: You could stop foreclosure proceedings if you can negotiate with the lender to modify some terms of the loan. The modifications could include adjustment of interest rate, extension of loan tenure or adding the default amounts and fees to the principal amount of the loan which you would have to repay over time. </span></p> </li> <li id="fkip"> <p id="hlst" class="western" style="margin-bottom: 0in;"><span style="font-size: 12pt; font-family: georgia,palatino;">Mortgage refinancing: Foreclosure usually starts when you have defaulted several times or have made no payments for the loan. Once you default on your repayments, it has a cascading effect on your credit ratings. Moreover, your current lending company would find out about the foreclosure proceedings. This type of situation usually results in a refusal for a refinance loan application. Even when a refinance loan application is approved, it would involve a very high rate of interest with higher than usual closing costs, etc. </span></p> </li> </ol></div> <p id="hgbx" class="western" style="margin-left: 0.25in; margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="qpc-" class="western" style="margin-left: 0.25in; margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"> This option usually works well with people who have a good credit history but only suffering a temporary financial crunch. Call us if you are serious about this option, as we have a network of high connections with companies who could help you out with your foreclosure situation. Remember in this option, time is not on your side. So you have to act fast, or else you might lose your home while waiting for your loan to be sanctioned. </span></p> <div style="text-align: justify;"><ol id="juar" start="5"> <li id="e_r8"> <p id="p5ye" class="western" style="margin-bottom: 0in;"><span style="font-size: 12pt; font-family: georgia,palatino;">Sale of the property: When you have failed to negotiate any bettering of loan terms with your lender or have failed to find out any other feasible option which can help you with your foreclosure proceedings, it is perhaps a good idea to sell the property. </span></p> </li> </ol></div> <p id="s_uf" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"> Since time is running out, it is best to sell the property to a motivated buyer who also believes in quick closing. Though the down side of this option is that you may not get the existing market value for your property, but then you are also saved from any real estate commission costs. You are also able to sell your property on an ‘as is where is’ basis. When you sell your house on an ‘as is’ condition, this means that you do not have to spend any money in renovation or repairs, to make it more marketable. You sell it fast, get the money and immediately stop the foreclosure process to retrieve your credit. </span></p> <div style="text-align: justify;"><ol id="tj6z" start="6"> <li id="xn:n"> <p id="r.tq" class="western" style="margin-bottom: 0in;"><span style="font-size: 12pt; font-family: georgia,palatino;">Deed in lieu of foreclosure: This is the option where you surrender your title deed to the lender. You are essentially giving up your home to the lender, be it a bank or any other lending institution. The effect of Deed in lieu is to cease the lender’s deed of trust and bestow the lender with all the existing liens and other encumbrances which the property may have. You are, in other words, making the lender the new owner of the house. Of course, this does not mean that the lender is going to accept the title deed from you. He could file a Notice of Non Acceptance with the County Recorder in case the lender refuses to accept the Deed in Lieu. </span></p> </li> <li id="m2gd"> <p id="u:2m" class="western" style="margin-bottom: 0in;"><span style="font-size: 12pt; font-family: georgia,palatino;">Bankruptcy: There are instances where many home owners stop the foreclosure by declaring themselves bankrupt. Usually done under their lawyers’ advice, they feel that this step would make them free from all foreclosure worries. Though bankruptcy does not solve the real problem, all it gives you is the license to buy more time. At the end of the day, the home is still sold on auction but you have your credit history tarnished with a foreclosure combined with a record of filing for bankruptcy. </span></p> </li> <li id="b2zv"> <p id="xzt4" class="western" style="margin-bottom: 0in;"><span style="font-size: 12pt; font-family: georgia,palatino;">None of the above: Though this option may sound a bit queer, but it is a fact that many home owners feel that none of the above options would work out for them so they simply do not take any decision! You are being really foolish if you think that some kind of miracle is going to work overnight which would stop the foreclosure. If you are sceptical or unsure of taking a decision, then do not make it worse by not taking any decision! All that you are doing by not taking a decision is wasting precious time. The loser in the situation is none but you. </span></p> </li> </ol></div> <p id="y41t" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">It would have been wonderful if we could assure you that stopping a foreclosure is an easy and convenient process. Unfortunately reality says otherwise. </span></p> <div style="text-align: justify;"></div> <p id="bhay" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">We sincerely believe that the overview of the currently available options for stopping a foreclosure would set you thinking. Your ability of taking a informed decision in the matter would go a long way in saving your home, your reputation, your credit history, your bank account and most importantly your family. If you want to know more about any of the options listed above, simple give us a call and we would be more than glad to answer your queries and offer our expertise in the matter. </span></p> <div style="text-align: justify;"></div> <p id="s9js" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">Time is Running Out!</span></p> <div style="text-align: justify;"></div> <p id="anrr" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">Did you know that if you are late in your monthly house loan repayment by more than a couple of months, your lender has most likely initiated the foreclosure proceedings? Remember, as the clock ticks away, thousands of dollars in late fees, penalties and legal charges are getting added to your already deep debt burden. Interest is getting added with every passing day! </span></p> <div style="text-align: justify;"></div> <p id="q8a:" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">So the longer you ponder, the situation gets from bad to worse and gets more difficult for us to solve. So do not waste any more precious hours in waiting and pondering. Act Now!</span></p> <div style="text-align: justify;"></div> <p id="ttj7" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">Free Review!</span></p> <div style="text-align: justify;"></div> <p id="sq9b" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">As part of our customer service program, we can provide you with a review of your specific situation free of any obligation or any charge. Call us today to brief us about your situation and we can help you with professional answers. </span></p> <div style="text-align: justify;"></div> <p id="viu:" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">In case you fee that selling the property is the best option you have, we could still be of service. We could buy out your home! We are working with a group of affiliate investors who have a track record of buying and selling hundreds of homes. If we are satisfied with your property, we could work out several selling options for you after which all you have to do is to select the option which suits you best. </span></p> <div style="text-align: justify;"></div> <p id="d1_6" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br /></span></p> <div style="text-align: justify;"></div> <p id="x.:w" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">One of the most important points to remember about us is that we never force you to buy anything from us. All we are trying to do is to help you out with your difficult financial times and if we find that you are already on the right track, we would be the first company to tell you so. In case we feel that referring you to a third party would be best in your interest, we would also help you get in touch with companies who would help you with their professional expertise and experience. The best part is that we do all this consultation completely free of charge.</span><span style="font-size: 12pt; font-family: georgia,palatino;"><br id="sn7e" /></span></p> <div style="text-align: justify;"></div> <p id="mx1a" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">When you dial our number, you neither gain, nor lose anything – yet when you do not do anything at all, you stand to lose, a lot. </span></p> <div style="text-align: justify;"></div> <p id="ba0j" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">Though we have tried to cover some of the most common options available for stopping foreclosure, there could be more, which would suit your particular need. But we can not help you unless we hear from you. So pick up the phone and talk to us today!</span></p> <div style="text-align: justify;"></div> <p id="cq91" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><br id="r:9k" /></span></p> <div style="text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;"><span style="text-decoration: underline;">LEGAL INFORMATION IS DIFFERENT FROM LEGAL ADVICE</span></span></div> <p id="eabu" class="western" style="margin-bottom: 0in; text-align: justify;"><span style="font-size: 12pt; font-family: georgia,palatino;">The information provided in this report is aimed at helping individuals cope with foreclosure laws in tune with their own legal requirements. Yet legal information is different from legal advice. This means that law would differ according to individual situations and circumstances. Though we have tried our best to provide you with the most authentic and correct information, it is in your own interest that you consult your lawyer if you are looking for professional assurance that our information as well as your individual interpretation of it would suit your particular situation. </span></p> </div> <span class="article_separator"> </span> </div> </div>  </div></div>   <div id="ja-col2"> <div class="ja-innerpad"> <div class="moduletable"> <h3>Login Form</h3> <div id="login-wrap"> <form action="/index.php" method="post" name="login" id="login" > <label for="mod_login_username" class="ja-login-user"> <span>Username</span> <input name="username" id="mod_login_username" type="text" class="inputbox" alt="username" size="10" /> </label> <label for="mod_login_password" class="ja-login-password"> <span>Password</span> <input type="password" id="mod_login_password" name="passwd" class="inputbox" size="10" alt="password" /> </label> <label for="mod_login_remember"> <input type="hidden" name="remember" id="mod_login_remember" class="inputbox" value="yes" alt="Remember Me" /> </label> <input type="submit" name="Submit" class="button" value="Login" /> <div class="ja-login-links"> <a href="/index.php?option=com_user&view=reset"> Forgot your password?</a>  </div> <input type="hidden" name="option" value="com_user" /> <input type="hidden" name="task" value="login" /> <input type="hidden" name="return" value="Lw==" /> <input type="hidden" name="1b40a2dc4754c7026a9caa08acb2c86d" value="1" /></form> </div> </div> <div class="moduletable_blank"> <div class="advs bannergroup_blank"> <div class="banneritem_blank"><script type="text/javascript"> </script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script> </div> </div> </div> <div class="moduletable_menu"> <h3>Link Exchange</h3> <table width="100%" border="0" cellpadding="0" cellspacing="0"> <tr ><td><a href="http://www.renttoownhome.com.au" class="mainlevel" >Rent To Own</a></td></tr> <tr ><td><a href="http://www.renttobuyhome.com.au" class="mainlevel" >Rent To Buy</a></td></tr> <tr ><td><a href="http://www.vendorfinancerealestate.com.au" class="mainlevel" >Vendor Finance</a></td></tr> <tr ><td><a href="http://www.sellhousesfast.com.au" class="mainlevel" >Sell Houses Fast | We Buy Houses</a></td></tr> <tr ><td><a href="http://www.stopforeclosure.com.au" class="mainlevel" >Stop Foreclosure</a></td></tr> <tr ><td><a href="http://www.sellpropertyfast.com.au" class="mainlevel" >Sell Property Fast</a></td></tr> <tr ><td><a href="http://www.propertyinvestmentcourses.com.au" class="mainlevel" >Property Investing</a></td></tr> <tr ><td><a href="http://www.webuyhousesmelbourne.com.au" class="mainlevel" >We Buy Houses Melbourne</a></td></tr> <tr ><td><a href="http://www,buyhouse.net.au" class="mainlevel" >Buy House | Buy Home</a></td></tr> </table> </div> </div></div><br />  </div></div> <div id="ja-containerwrap-bot"><div id="ja-container-bot"></div></div> </div>  <div id="ja-footerwrap"> <div id="ja-footer"> <small>Copyright © 2009 StopForeclosure.com.au. 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