"How to Avoid Foreclosure Without Selling Your Soul, Without Filing Bankruptcy, and Without 'Giving Away the Farm' to the Mortgage Company"

From the desk of Robert Michon, Foreclosure Resolution Center

Dear Homeowner-in-foreclosure,

Did you ever get the feeling that you were only getting PART of the story? Have you ever thought that maybe you weren’t being told everything you should know to what’s best for YOU?

If you’ve ever felt like maybe the mortgage company was holding out on you, I’ve got good news, and bad news.

The bad news is this- “You’re right!” They’ve had you playing at a HUGE disadvantage, and they’re going to try to keep you there.

The good news is this- there is a way to get out of foreclosure WITHOUT having to give the coat off your back and eat mac ‘n cheese for the rest of your life.

The biggest danger to you, personally, is this:

Before we talk about what you can do to get out of foreclosure and avoid the same fate, let’s take a candid look at what’s happening to homeowners like you.

Nearly everything you’ve heard about getting out of foreclosure is wrong.

DEAD wrong.

Stay with me here, because this is going to get really interesting.

Back to the story. The fact that most “get out of foreclosure” information is useless should come as no surprise to you.

If you’ve ever read a newspaper piece or seen a story on the news about a topic that you know a lot about, you know that most of these things are either watered down to the point of uselessness, or they’re downright misleading.

“Fair and balanced,” it ain’t. Well, the same thing applies to you, as a homeowner who’s now facing foreclosure. Did you really expect that this would be different?

Did you honestly think that just because your home is on the line that the media reporting would be good this time? The same media that play fast-and-loose with the facts, telling ONE side of the story in most cases, using “unnamed” sources and citing unsubstantiated “evidence” would finally get it right this time for YOU?

When it comes to EFFECTIVE techniques to get out of foreclosure, whose side of the story are they telling? You’ll find out in a minute… so keep reading.

Every day, I speak with stressed-out homeowners who are behind on their mortgage payments. Over and over again- for years now, I’ve heard myths, misguided notions, mistaken ideas, and misconceptions.

And I kept asking myself, “Where in the [world] are people getting these crazy ideas? How is it that everybody I talk to is saying the same things, and they don’t make any sense at all?”

So, I started looking for information on how to avoid foreclosure as if I were a homeowner who’s behind on the mortgage payments. It quickly dawned on me that the reason most homeowners are clueless about how to get out of foreclosure and STAY out of foreclosure is that there really isn’t any good information on how the mortgage industry really works.Most of what passes as foreclosure “information” in the media or online is a rehash from HUD’s website, which was written in 1996. Now if you think you should solve today’s problems with 1996′s solutions….

Nothing has changed since 1996? Really, what’s going on here?

Here’s what’s going on:

The Mortgage Bankers Association is one of the LARGEST lobbying groups in the nation. And, the secondary mortgage market is pretty much controlled by Fannie Mae and Freddie Mac- two quasi-governmental agencies.

Even though our dear government doesn’t like monopolies, that’s pretty darn close to what we’ve got in the mortgage business.

Now I’m no conspiracy theorist, but read this very carefully:

Read that again.

I want you to think about that, and really let it sink in.

In a way, it’s kind of funny. In a sick, twisted-kind-of-way funny. I’m trying to think of a good analogy here. It’s kind of hard to think of something as ridiculous as this…  isn’t this kind of like playing “Find Osama bin Laden” with the al-Qaeda leader telling the U.S. government where they should look?

Maybe you can think of a better analogy, but this is certainly a case of the fox guarding the henhouse. [Foxes EAT hens, for you "city folk."]

So, despite all their claims about how “We’re in the business of helping people to stay in their homes,” and “We help people to achieve the American Dream,” the real deal is this:

They’re only in the mortgage business for one reason,
and one reason only: TO MAKE MONEY!!!

And anything that stands in the way of them making money is going to be eliminated. That includes whether or not you keep your home, on terms that work for you. Anything they’re going to do to help you is going to be at the expense of what helps THEM.

So excuse me while I barf when the banking executives and mortgage company spokespeople talk about “helping homeowners” who are now facing the “foreclosure crisis.”

When they talk about the “foreclosure crisis,” they’re talking about something that’s completely different from what you’re facing.

They’re talking about “profits,”  ”balance sheets,” “minimizing risk,” and “economies of scale.”

You’re talking about saving your home.

So, if their very definition of “crisis” is different than yours, would it surprise you if I told you that their idea of a solution to your foreclosure problem is a lot different than yours?

The end result of all this mis-information is…

Most homeowners who are in foreclosure today will
be BACK in foreclosure within 24 months.

How do I know this? According to independent research firm Graham-Fisher & Company, 40-60% of the borrowers who have their mortgage modified will default AGAIN within 24 months.

That’s not even counting the homeowners who get out of foreclosure by other means. And, these stats were obtained before this “foreclosure crisis.” Based on today’s conditions, those numbers WILL get worse.

So, despite all the promises from the mortgage industry, borrowers are getting the shaft- and losing their homes- in droves. That is what’s happening to thousands of homeowners, who were facing the same circumstances as you are right now.

They thought they were doing the right thing, they thought they were playing by the rules and instead they got hosed. If you don’t have a good understanding of how this business works, and how to get the best results, you’ll end up just like they did.

So, as you give this information a moment to sink in, and you think about your own situation, consider this:

Wouldn’t it be an incredible waste for you to go through all that you have to
just to get out of foreclosure, only to lose the house a short while later?

If you scrimp and save

… and rob Peter to pay Paul

… and play phone tag with the mortgage company

… and run around in a sleep-deprived coma

… and FINALLY get them to cancel that foreclosure sale date

…only to repeat the process and ultimately LOSE IT, what the hell is the point?

When you think about your own circumstances, and how you’ve gotten here… what makes you think that you’re not headed down the same path? What’s different about what you’ve done so far? What’s going to ensure that you beat the odds?

Aristotle said, “Well begun is half done.” Perhaps we just need to start over again, and begin working on your situation AFTER you have a good understanding of how this system really works.

Based on what we’ve just discussed here, it’s pretty clear WHY that information is not available. And if you don’t have a good understanding of how this industry really works, then it’s very difficult to get the best results.

Let me give you an example. If you were playing a game for the first time, wouldn’t you want to know the rules? Wouldn’t be a good idea to know how to score?

Would it be helpful to know if there was a time limit? Do you think you’d want to know what the common mistakes are? Wouldn’t it make sense to find out how you can win? At the very least, wouldn’t you try to get the best player on your team?

This is just common sense, isn’t it? I hope this is making sense to you.

Because I really want to help you fix this.

And I don’t want to see you back in this situation EVER again.

EVER.

This sounds great, but who the heck are you andwhy
should I believe a word that you’re saying?

I’m glad that you thought to ask that question!

My name is Robert Michon. My company is Foreclosure Resolution Center, and here are a few things you should know about me.

I’ve been working with homeowners in default since 1995. As a real estate agent for 9 years (8 years too long… YUCK!), I specialized in selling “expired” listings.

I would take over the properties that other agents couldn’t sell- in the biggest sellers’ market of our lifetime- and figure out what needed to be done to get them sold.

A lot of these homeowners were behind on their mortgages, and some were facing foreclosure. So, I became accustomed to working with the mortgage companies in negotiating debt, doing short-pays and short sales before these things became buzzwords.

In 2003, I began buying homes from people in foreclosure who didn’t want them anymore. Occasionally, I would talk to homeowners who thought that their only option but to sell their homes.

It turns out that a lot of people weren’t being told the truth about what could be done to deal with foreclosure. And, a lot of people were selling their homes when they could have just re-negotiated the mortgage.

So when I’d find someone who could afford to stay if only they were shown the way, I would ask them if they would prefer to KEEP their homes.

Nearly all of them said, “YES!”

When we determined that there situation was salvageable, I’d work for the homeowner, and deal with the mortgage company, so they could keep their property, and get the loan back on track.

More and more, I was finding people in foreclosure were being targeted to sell their homes, being told it was their only option. So, I decided to shift my business and do “loss mitigation” exclusively.

The ironic thing is that while the lousy real estate market has prevented many homeowners from selling their homes to avoid foreclosure, it HAS forced a lot of the “shysters” out of the market, who were taking advantage of people, buying their homes instead of helping them to keep their homes.

Right now, I  handle about 10-12 new clients a month myself, in addition to overseeing, training and consulting. I’ve spent THOUSANDS of dollars and hundreds of hours learning everything there is to know about this business. Here are a few of the institutions I’ve dealt with…

Is your mortgage company on this list?

I, personally, have worked with each and every one of these institutions to help homeowners keep their homes.

There are others I could add, but the companies listed here probably service about 90% of the mortgages in the U.S., so this should be a good indication that “we’ve got you covered.”

I’ve met with numerous mortgage industry insiders, taken over 373 hours of training, and continue to spent a significant amount of time finding even better methods, techniques and approaches to keep homeowners on track well after we’ve stopped their foreclosure. As if that wasn’t enough, my colleague attends the Mortgage Bankers Association conferences on a regular basis.

At a number of these lenders, I have direct-dial access to the negotiators.

At some, I have access to V.P.-level executives who can swiftly change the course of a situation when necessary. I have the phone numbers and e-mail addresses of people inside HUD, VA, Fannie Mae and Freddie Mac. When we need quick action on a case, we’re able to get relief for you right away.

I could go on and on, but the bottom line is this: we are as plugged in as anyone could possibly be

It’s not only WHAT you know, but “WHO” you know

When YOU call your lender, you get to talk to the people who answer the phone. Think about where you work. Do the people who answer the phone usually have a lot of clout in the organization?

The people that answer the phone at the lenders are the mortgage industry’s version of a Burger King drive-through attendant. They’re told what to say and what to do by prompts on a computer screen. Their offers  to “help you” keep your home are nothing more than empty promises. They have no decision-making power whatsoever, so their claims that they will be able to “put your arrears at the end of the loan” are completely baseless.

They’re trained to do whatever it takes to get you to do what THEY want you to do.

Once they get you into their system, then THEY will decide what to do with you.

Does this sound like a process that will serve YOUR best interest?

Is this really something you think you should be doing on your own?

Right now,  it’s probably fair to say this:

You don’t have the thousands of dollars and hundreds of
hours it would take to become a foreclosure expert.

There’s not enough time to find and establish the contacts deep inside your mortgage company. You don’t have the years it would take to work on hundreds of files to figure out what works and what doesn’t work.

Speaking of what “works,” this business, as you can imagine, is CONSTANTLY changing. What worked just a year ago doesn’t work today, and what’s working right now with one particular mortgage company probably won’t work with yours- even if it did eighteen months ago.

There’s so much more that we could talk about, but let’s get to the point here.

I have a tendency to ramble, to get into too much detail. My wife calls me “Cliffy” [you know, Cliff Clavin, from the show "Cheers"]. Not because I have an opinion on everything [I don't], but because of my in-depth knowledge of things that I’m passionate about.

Anyway, without being able to ask you any questions, I can’t really tell what you need at this point, and I don’t want to waste your time, talking about things that aren’t important to you.

So let’s wrap this up.

You have two, really three choices here.

If you feel like you’re ready to move forward, that you’d be better off having us take over from here, get your foreclosure set aside, and put you on track so you have the absolute HIGHEST odds of STAYING out of foreclosure,.then either call my direct dial at 989-865-4088 or click here and send me a message.

If you’re still a little skeptical, a little nervous, unsure about who you can trust, or you’d just like a little more information, then get my free report by going here.

Here’s what one of my clients had to say about some of the information that’s in the series I’ll be sending you:

In the report, we’ll discuss the following:

1- The foreclosure timeline

Despite the fact that you should be able to get this information without too much trouble, I’m still running into homeowners who are confused, or just flat-out wrong about the foreclosure process. We will QUICKLY cover this so everyone’s up to speed.

2- TWELVE ways to get out of foreclosure

Yeah, your lender probably may have sent you a letter giving you four options. Well, in this report, I’ve given THREE TIMES as many options.

3- SEVEN HUGE myths that could cost you your home

Most homeowners are WAY off base with their concept of the mortgage industry. As I said before, if you don’t have a basic understanding of how this game really works, then how can you expect to have a good outcome? This is not a game, my friend. The stakes are way too high for you to not familiarize yourself with the realities of today’s mortgage industry. I’m going to bust these myths WIDE open, so you can make the best decision for YOU.

4- THREE BIG LIES that lenders tell (even the good ones).

More on this in the report. I *think* you’ll be shocked.

5- The big curveball that lenders are throwing at homeowners, and what you can do about it.

If you know it’s coming, you’ll be better prepared.

… and much more!

We’ll also send you links to some videos, where we’ll actually show you in-depth case studies of people we’ve worked with. You’ll see the situations we’ve dealt with, and the kind of results that we can produce for YOU… if you’ll let us.

Obviously, the third choice is to do nothing differently, to continue on down the merry path you were on before you ever came to this site.

If you’ve read this far, I think it’s pretty clear now that you have been playing at a disadvantage to this point.

You can’t go back now, you can’t say that you weren’t warned about what’s going on. The good news AND the bad news is that you’ll never be able to look back and say, “I wish that I’d known that BEFORE I decided what to do to get out of foreclosure.”

I’m not sure what’s at stake here for you, personally. Maybe it doesn’t make much difference to you whether you keep your home or you lose it. There are certainly people out there who’d be better off if they lost their home.

Maybe that applies to you, too… but if you truly care about keeping your home, and if you’ve read this information, I don’t really see HOW you could figure that it makes sense to go it alone. I don’t know how you can stand in front of a mirror, look yourself in the eye, and say, “I had a chance to work with an expert, but I’m going to roll the dice, instead.” If you can do that without any doubt or hesitation, then that is probably your best option.

But if you’re thinking right now, “Maybe I should get some help,” then I really encourage you to do that. Whether that’s working with my company, or getting a little more information here, or maybe you decide not to work with us at all.

Whatever your choice- make sure that the path you choose actually HELPS. This is so important, because MOST of the “help” outthere actually hurts. And you won’t really find this out for yourself until it’s too late to turn back.

I really don’t think you’re here by accident. I’m not a big believer in coincidence. I think that things happen for a reason, and that if we’re open to learning and growing, we can figure out how to turn around a difficult situation before it’s too late. I really think it’s the times that we give in to the insanity and ignore our inner wisdom that we really screw things up.

Things seem to work out for the best when we listen to our hearts, or our “gut feelings,” or whatever it is that speaks to us in that “still, small voice.” The times when I’ve paid attention to those prompts, those urges, are when I’ve set the course for a better ending to that chapter in my life.

Your time has come. This is your opportunity to change the course of how your life is going to unfold from this moment forward.

Let’s mark this as the day that things began to turn around for you- the day that this mess began to turn in your favor.

Let’s make this the day that you finally found someone who was on YOUR side.

Click this link to let us know that you want to get started.

To YOUR Success,

Robert Michon
Foreclosure Resolution Center
989-865-4088 / 517-327-5400

P.S. There are many approaches to handling a foreclosure. Unfortunately, most of them don’t work out too well. You already know that time is short here. If you want to get in touch with us right now to get the help you need, call us, or click here.

OR, if you still feel like you need more info, click this link. We’ll send your free report so you can see what’s really going on in the foreclosure industry, and find out what you need to do to get out and STAY OUT of foreclosure.

Copyright 2008 Foreclosure Resolution Center All Rights Reserved
Foreclosure Resolution Center, LLC.
406 W. Walnut St. Suite 102
St. Charles, MI 48655
989-865-4088

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