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Stacey Krech

While there are many technical aspects to successfully stop a foreclosure, I
thought it best to cover a more personal aspect here. You are doing nothing
while your home slips away from you! Ignoring your foreclosure will not
keep the bank from taking your home. (No, there is NOT a chance they forgot
about you.)

The Top Tip to Stop a Foreclosure: Understanding and Moving Past Your
Emotions.

So let’s be honest here, ok? You have feelings and feelings are messy. We
often do not want to deal with them. To make it worse, we have a glut of
emotions linked to money. I know from experience how you may be feeling.

Foreclosure is a stressful experience. During my crisis I felt anxious and
worried. I was afraid to open my mail and I dreaded answering the phone. I
was so ashamed and afraid of being labeled a “loser” that it was hard for me to
ask for help. Maybe your feelings are similar.

But guess what? Avoiding a phone call or tossing out a threatening notice does
not stop the lender from taking your home! In fact, it may just speed up the
foreclosure process. You are telling the lender that you are uninterested.
Plus, foreclosure is an urgent matter. You have a deadline after which the bank
auctions off your home. And be assured they will, even if they never speak
with you.

So…understand your emotions. Know how you are feeling is ok and natural.
You are not alone. Just this month there are over 100,000 homes in foreclosure
across the USA! We are all different, yet I somehow think a great deal of
these people are feeling just like you.

Also understand that this is not personal nor is it a reflection on what kind
of person you are. You are not your money and life will life you. Maybe what
caused you to fall behind on your house payments was not your fault. Ok, I got
that. Now, how will you deal with this? That, my friend, is entirely up to
you.

The facts: No matter what you feel you must take action to stop a foreclosure.
You must face it, deal with it and get the help you need to reach your goal
before the time runs out. If I could do this, so can you!

Start with small steps today. Open your mail, organize your statements…or
even contact your lender to simply say “I am seeking help with this”. Maybe
just talk to a close friend and share how you honestly feel.

In the end, nothing feels better than taking some positive action.

Stacey Krech from http://www.HelpMeKeepMyHome.com is a nationally known
House Foreclosure Specialist and Financial Educator. She helps
homeowners impower themselves and stop foreclosure through
education, public awareness and service.

Posted in Mortgage