7 Ways to Stop a Foreclosure

[carvalli009]

This is some good news for the home owner. I faced a similar situation a few years ago but had to resort to an online company where I was able to make the funds I owed to clear up my arrears. If you're facing forclosure I'd suggest using them as well. The company is called daily100dollars. They're a dot com and I've been with them just over 2 years now and have always been able to cover my mortgage and bills. They also work with you 1on 1 to ensure you take in money on a daily basis.

[LorenzoCarter123]

Foreclosure Prevention always available contact i can sue my lender.com

[polpotlives123]

Just squat as long as you can while packing the cash you save away ...seems simple to me..

[ModifyMyOWBLoan]

What he's saying is basically: If plan A doesn't work with the bank, go to plan B, and if plan B doesn't work go to plan C, etc.... and when all else fails (which it will, because the banks aren't going to work anything out with you), just give the keys to your house to the bank.

[1stchoicefamilyLLC]

Has anyone heard of 499 stop dot com?

[echoesofelvis]

This dude must work for Bank of America! The whole problem is the mortgage companies can lie and cheat at the game. We are held to the laws. I will play anyone at checkers and win if I make up the rules.

[Rental4Income]

Great video!

We find properties at the court house in the Tampa bay area. Also finance the deals up to 80%

at rental4income . com :)

[TruthUnderFire]

Call the lender. LMAO! That's the exact thing you shouldn't do. If you want to waste precious time, go ahead. It's a WASTE of time because lenders make more money from foreclosure than they do with ANY type of workout program.

This guy PROBABLY works for CHASE or B of A. What a joke.

[ModifyMyOWBLoan]

You're so right! It IS a waste of time working out a modification with any banks-especially IndyMac/OWB(Deutsch)-because they'll just drag it out until they can foreclose on you.The comment about banks making MORE money on your foreclosed home is EVEN MORE TRUE.If you want to fight for your home, do your research & get all the documents from the bank about your loan, especially the NOTE.Please contact me if you're interested in fighting to stop OWB or any other banks @ ModifyMyOWBLoan@gmail.com

[JUSTTHETRUTHTV]

The real way is to wait until a month before they are going to foreclose on you. Then file chapter 13. This will force these bank PONZI scammer to prove they own it before a federal judge!

If they don't have a "WET INK SIGNED COPY OF THE MORTGAGE" YOU SIGNED! You owe them nothing.  It is up to them to prove to you they own your home. Not you prove you owe them. Don't offer them anything, INCLUDING ANY PAPER WORK YOU SIGNED! STOP BEING SCAMMED BY PONZI CRIMINAL BANKERS.

[StSimonMartyr]

DO NOT Walk Away or file Ch 13-FIGHT!

File a Quiet Title / Lis PENDENs on your home...they dont own your note, it was securitized & sold.

They are Committing Fraud in Court.

Demand an Evidentiary hearing, do not comment, unless evidence is entered, via reporter

In Discovery Demand TITLE, WET Note-must be a perfection of Chain of title and that blank assignments are Not acceptable."

[MultiSimard]

You work for the bank or what?

[MrBidwin]

I always try to save money on all the things I buy. I do it in various ways but I've found one that works for a lot of people. If you want to check it out take a look at my channel.

[ANYSIA000]

if your in foreclosure and about to be put out of your home call 1-866-967-9993 or go to icansuemylender. com ASAP if you want to delay the sale of your home and sue the banks. They can delay the sale of you home for 24 to 36 months

[ANYSIA000]

If you want to stop your foreclosure go to icansuemylender. com  they can help you with anything form getting your house back after you have been foreclosured on or delaying the sale on your home!

[youarecretorcreating]

What a crock!! This guy is another carpet bagger looking to take advantage! Get educated!! There never was a loan! Seriously. The pretender Lenders created a box, in that box they put a prospectus then created a Mortgage backed security based upon future value of mortgages going in box. Sold to investors then went to get mortgages, bad Mortgages so they could collect insurance and shorts in the market, making up to 96times instant cash not 30 years. Foreclosures are vultures with no interest in

[ANYSIA000]

Visit this website page to stop foreclosure immediately! (icansuemylender . com) the reason the website name is separated youtube wont let you post websites as comments. It Saved MINE HOME!!

[boyscout062]

In today's economic climate, the lender does not want another foreclosure on their books. First step should be to call the lender and see if you can work it out. If that fails, a good foreclosure attorney knows how to get the bank to listen. hud1.com

[2502andrew]

BUY FORECLOSURES  stopmyforeclosures.info

[tomreal2]

Weak. To pro-bank. Nothing new or useful.

[MAJORSNODGRASS]

As with anybody you owe money to tell them in advance if you can't afford to pay. They would far sooner have less over a longer period of time than to chase you up. Also don't say you can't pay your mortgage because you are off on holiday. In the UK if someone like this presenter gave this sort of advice a) he would talk down to you and b) if he was a lawyer or an accountant you would automatically suspect his motives! Americans are far more democratic about sharing knowledge.

[KingCast65]

Watch this:

Pro se litigant Sandra Ford slams Wells Fargo in NJ as in Ohio, will NH follow suit?

[timmy2shoes123]

i would suggest that you DO NOT sign any contract with the lender admitting that you owe the debt. that will put you in the situation where you are contracted and actually will owe them. there are ways out, and lawyers are not the way. they serve the courts and get paid along with the judges. just look for your own ways to win before looking at anything to do with attourneys.

[samten10a]

don't trust this ass in this video. at the last he wants you home for nothing. and leaves you with the loan.

[audreynnj5]

Thanks I love it!

[deathsmiled]

I did all of these steps and they (BOA) said nope bend over.

[ShowdownInAmerica]

Show me the note! h ttp://action.seiu.org/page/spe­akout/wtnnpa

[stemborowski]

google paul stemborowski

[rotnflesh]

If anyone here is having problems paying on a mortgage, they could file a common law lien on that property stating principal paid plus life experience value; this lien must be satisfied before foreclosure or a commercial lien can be put in place! This doesn't mean you can or should stop making payments; it means that they cannot take your property away without paying you back what you put into it! Common Law Liens supersede security/judicial/statutory liens!!!

RESEARCH COMMON LAW LIEN!!

[tbursee]

Did you know that all mortgages in this country are fraudulent? Did you know that if you were to take your mortgage company or bank to court, like I'm doing now,that they cannot prove they gave you a loan and then come to you with offers to settle? A signiture on a promisorry note does not prove a loan. A loan is when you take your assets and put them at risk for someone else. Well thanks to the fed reserve, that never happens. And some of us have wised up and called bluffs

[tehuan1]

I know a better way: KILL A BANKER !

[CaJeffO]

I have not made payment since Sept 2008 / They foreclosed Oct 2009 / Gave me 90 day & according to their "illegal detainer" I was supposed to be out on 2-20-2010./ 4 MONTHS LATER ~ I'm still in my home. And I will be for the next year as they figure out my responses and lawsuit. / The bank as already offered to settle for a handsom amount / But wait a minute since 90% of the loans are illegal & I know my rights under "common law" I could win the title. THINK ABOUT IT. The banks are stunned.

[biggerturtle]

@CaJeffO You just want a freeride without working for it like most of the scumbags in the world. I got a free fuck from your mother last night; deep in her ass .She loved it. She said it that was ok with you since you were used to fucking people for free and you couldn't get it up anyway. HAHAHA

[CaJeffO]

@biggerturtle - FIRST Wow! you possess the mantility of a 10 year old that has for the first time found how how good it feels to cuss - this makes U a punk. SECOND: You obviously have not see the film called "Freedom to Fascism". You don't understand the law, the original intent or the battle that rages by banks to control the Fed, interest rates, inflation, etc.

EVEN WORSE you are likely a punk banker. So take me up on my challenge to a Jujitsu match & allow me to soften your attitude "punk"

[biggerturtle]

@CaJeffO Actually having been in the real estate business for over 30 years I know all about punks like you who WANT IT FOR FREE . Go get a fucking job and work for a living asshole and stop spending more than you have like most of the morons in this world. And you do not want to fight with me./ You will lose.

[CaJeffO]

@biggerturtle - You are such a potty mouth punk. Assuming I want it for free makes an ass out of you. Either you don't know my motivation or are too stupid to understand "COMMON LAW" & "The Constitution".

After I have won my suit with the bank in 2011 I will post the results (all court doc's) and show others how do defend themselves. Once this is done you'll be swallowing your words. And, so will the banking industry whom fucked Americans, Argentenians & Greeks over.

[newyorkeastside]

@CaJeffO so what you are saying is that it would be wise for me to get a real estate attorney? Saxon mortgage is bullying me into foreclosure.

[chuckv5150]

@CaJeffO Just curious, how did this all end? I hope you were fotunate enough to keep your house and were able to tell the bank to kiss your ass!!

[koertje]

@CaJeffO How did the lawsuit go?

Are you still in the house?

[koolboyskee]

@koertje - if he answers your question please let me know. He's been on youtube since your response so did he respond to you?

[koertje]

@koolboyskee No he didn't answer. Matby it didn't work out the way he hoped.

[StSimonMartyr]

File a LIS PENDENS or Quiet Title with an attorney that 'gets it.' Do this before or during foreclosure.

Banks dont own your home, you do.

They separated the note/deed/mortgage and assigned it fraudulently.

They created Money/asset with your signature and loaned 10xs that value to others!

There is a Cloud on title and it needs to be fought and contested, same with subject matter jurisdiction.

Google Donna Baran and listen to her tapes. She fought FC successfully pro se.

[loanhomewealth]

If your in Texas you can actually get cash back at closing using Loan Home Inc. and one of their service providers. Comparable rates you would find anywhere using banks like Chase, B of A, etc. 250k loan you would get a check cut to you for $800 after closing. Instead of broker making commission that commission is kicked back to you. Find out how much you would get back if your looking at

paid for a mortgage dot com

[CaJeffO]

In Addition to demanding banks produce the original note and prove they have standing. ALSO I have my condensed reference notes up on a web page!!!!!!

w w w. constitutionalvoices. org/bloggers/freedomblogger2/?­page_id=1300

((((DELETE THE SPACES))))

Correspond with me if you like

Jeff / CAJeffO@yahoo.com

[biggerturtle]

@CaJeffO If you pay you stay if you don't you won't Simple? Exactly

[CaJeffO]

@biggerturtle - I have not made payment since Sept 2008 / They foreclosed Oct 2009 / Gave me 90 day & according to their "illegal detainer" I was supposed to be out on 2-20-2010./ 4 MONTHS LATER ~ I'm still in my home. And I will be for the next year as they figure out my responses and lawsuit. / The bank as already offered to settle for a handsom amount / But wait a minute since 90% of the loans are illegal & I know my rights under "common law" I could win the title. THINK ABOUT IT.

[Doughnutchef]

re-finace what?I mean if you can't afford a small mortgage and are missing payments how in the hell can you do a loan mod which will be Larger?

[joanneandgary]

great video

[MrDmbarr]

Great article, but did you know there's a free informational ebook and video that explains how to payoff your mortgage in 90 days so you wouldn't have to worry about foreclosure ever again? It's great information and a helpful tool to stop foreclosure.

[Dagdason]

This was about as helpful as gaoline on a forest fire. All this amounts to is giving the bank your property, it does not address the issue of keeping you in your house and making the bank comply with current legislation for modifying home mortgages. Sorry but this is just poor advice. I give it an F

[tishigunni]

Buy low sell high it's only stone marter wood. Until the big banks start to care, u have to be in the same mode. If you are not you will always loose.

[tishigunni]

See my post tishigunni. The solution is lower interest rates. The siple fact that most houses in the city is 500,000 and better calls for lower rates to keep them afordable. But the banks don't care if you per say can afford the house. It's about profit, so change your thinking. We all know the owner occupied properties are better kept and better for the community, no one washes a rented car. Stay in investment mode when you buy. Don't fall for the silly tricks set up to trap you in the system.

[tishigunni]

This is silly back and forth. Don't just buy property to live, buy for investment just like the bank do. The bank don't care where you live or that you have a roof over your head. Buy houses flip them buy something else. If you can't afford it give it back to the bank.

This should be a last resort, by low sell high and don't get emotionally attached.

[farmboycarl]

Anyone who thinks most people facing foreclosure couldn't afford their homes when they bought them is an imbecile. Bernanke raised interest rates 17 months in a row in '05-'06, forcing the payments of 14 million adjustable rate mortgages to double, right when property taxes were surging from the previous years gains. It would have been an easy choice for those homeowners to sell in order to avoid foreclosure, except the higher interest rates and taxes also prevented anyone from buying them.

[moniequa]

1 way to stop foreclosure, don't buy shit you can't afford.

[angiegrl77]

well..a lot of people did affors their homes at the time they bought it. some circumstances come along like, job loss, medical etc..so don't judge everyone! i am sure their are some out there that took adsvantage those people should loose their homes!

[definca]

Our leadership needs to invoke a moratorium on all foreclosures nationwide. The other thing that needs to happen immediately is that since ALL home loans are secured by the home, EVERYBODY gets a lower interest rate. Lets say 3 percent for 40years fixed. I dont care if you have to collect aluminum cans on the street to make your house payment and keep it. If you have a pulse and have a home loan you qualify 3 percent 40 year fixed ! NOW!

[moniequa]

those who can't afford should get the hell out of the house and allow those who can buy. You're encouraging bad behavior and that is not acceptable.

[angiegrl77]

ya..you ever heard of "karma" well..that's what will happen to you with that attitude!

[sircia]

Let me first say that the steps in this video are in sequence leading up to the foreclosure process. If you are in foreclosure, I feel for you as does many in our society today! WE ALL HURT! As for the 2 commentors, Wishlist and Moniequa, the two of you need to get a life and open your eyes as to the true situation here that does AFFECT EACH AND EVERYONE ONE OF US WHETHER IN FORECLOSURE OR WELFARE --- WE ALL PAY FOR BOTH IN THE END!

[jam6255]

Banks are lying to you. Get out of your home before you give them all of your cash as your home continues to be wothless. Challenge the bank to "Find The Note".

[borat443]

The last part of what he is saying is not totally true, he is spewing the MSM talking points wich makes this guy suspect..

The problem came from bankers,regulators and the govt officials and orginizations like fannie and freddie...

He is simplifying the problem and passing the buck.. The problem came from turning home loans into CDOs on the upside and buying CDS on the downside as a ponzi scheme wich blew up real estate to crash it and make a profit on the upside and the downside.....

[TruthSurge]

sub seekwent. How about SUBsequent.  Accent is on the first syllable. Nice tips but hard to believe you've never heard of the word subsequent. :)

[auctionmusic]

this is useless information...like, you dont mention the irs IS forgiving on purchase money loans through the 982 tax code.....you ARE responsible for the second if its a HELOC, and if it is not covered in the sale AND the bank WILL garnish your income...you cant do lieu of foreclosure if you have a second...lenders are mostly not offering loan modes even after you submit requested info to them...oh, just go out and file chapter 13, which costs 3500.000 or more, UP FRONT..

[moniequa]

Please alert the bank as soon as you know that you wont be able to pay your mortgage, so the bank can prepare to foreclose your ass immediately. Do you guys know how long I've waited for this moment? 4 years. You priced me out of the market and now your asses are out! Homelessness is a bitch but you made your bed now lie in it. LOL

[5yearplan1]

moniequa

Who priced you out of the market? I was finally able to modify my loan through an attorney. But I guess you still don't have a home huh? ahahahah. I guess he who laughs last, laughs best BIATCH!

[moniequa]

If s/he who laughs last, laughs best, then I'm still laughing because I got two homes. While you and your friends are trying to avoid foreclosure I was shopping for homes at a very affordable price. Homes are so inexpensive that I paid cash for them. Please laugh some more your ass is not out of the wood yet, there will be hyper inflation and more unemployment. We'll see if you're still laughing. What a fool you are to think that you own that house! Hahahahahah

[5yearplan1]

moniequa

Now we all know you are a liar. You said in a previous post that you were priced out of the market. You are truly pathetic and I do hope that one day you can come up and get a home. Of course your home will probably be in the ghetto..ahahah.. The only people that are affected by the so called hyper inflation are you dumb niggers in the ghetto. Now go sucks some more dick to save up for that house in the ghetto..hahahahaha

[moniequa]

No, I was priced out during the bubble, you idiot! And because I was priced out at that time, I could buy two when the market was coming down and still is coming down. Typical fool when he couldn't come up with a rebuttal he resort to name calling. Call me whatever you like but you are still an idiot who doesn't know the difference between liablity and asset. You'll suffer, LOL>

[5yearplan1]

moniequa

Clearly you are a stupid black nigga that believes her lies..lol Keep lying to yourself, maybe it will come true and you too will own something other than your weave.

[moniequa]

Your stupidity and parasitic behavior will keep you in a perpetuating cycle of debt and servitude.

I got an idea why don't you refinance and spend it on your vacation. What a loser!

[Wishlist2day]

moniequa

You really don't seem to know much about the foreclosure process. The mortgage companies do not want your property. They will do everything they can to keep you in your home. They lose more money if you just walk away. As for being priced out of the market, it isn't anyone's fault that you are poor and couldn't afford to buy a nice home. Why the hostility? lol

[moniequa]

Wishlist, please allow me to explain, mortgage companies make money many ways: they get your down payment, your home, and they get a big bailout from tax payers like me. When I said I was priced out I meant fools like you drove the price up not because you could afford it but because you over borrowed. As recession turns into depression your ass will be umployed and your house will be foreclosed and I'll be here to laugh at you. Not hostile just enjoy seeing stupid people suffer thatsall. LOL

[Wishlist2day]

moniequa

But you are hostile and very bitter. Did you not go to college to make more money so that you wouldn't be priced out of the market? Remember, we are ALL TAX PAYERS. Not just you. And the more we make, the more we pay. So no need for you to be so bitter. Also the more people who lose their homes, the worse the economy gets for ALL of us. You don't seem to have a concept on how things work. The name calling, only shows you don't have any class and a lack of a proper education.

[moniequa]

Wishlist, are you that stupid? You artificially inflated the price, you contributed to the house bubble and got the government handout when you got foreclosed. Our tax money is for public roads,parks,schools, and other public stuff not for irresponsible people who spend beyond their means. You would be upset too if you pay taxes. The more money our government spend to keep you in your overpriced home the worse the debt gets and we'll never get out of this. continue..

[moniequa]

For your info, middle class Americans are tired of bailing your ass out and as for education goes, you can say whatever you want because it's hard for me to treat a social parasite like you with respect and dignity.

[Wishlist2day]

moniequa

There goes that bitterness again. Stop with the name calling, it is totally unnecessary. We are ALL TAX PAYERS and I am sure you don't make as much money as I do. I can tell by the way you present your point that you don't have a clue. However, if you feel that you are bailing me out, let me say Thank you for doing so. lol

[moniequa]

Wish, you are so smart and rich that you think money and intelligence are directly correlated. How can I argue with that?

[Wishlist2day]

Moniequa,

You can't, so stop. lol

[moniequa]

Wish, Guess what? To make myself look wealthy and therefore intelligent, I borrowed $500,000 and bought myself a house. People will think I'm intelligent and if I become unemployed, our government will bail me out, if not, I'll let my house get foreclosed and get on welfare.

[RussiaversusIsrael]

This ass just advocates working with the bank. You know, the entity that didn't give you a loan. This fuck doesn't advocate borrowers asking for the note. This fuck doesn't advocate making sure the person in court trying to foreclose you must be the assignee of mortgage. What an asshat, he's so far up the banks ass you can't tell where he starts and they end.

[ibtnm25]

Chapter 13 will help with arreages but you must still pay the current payments. Remeber your paying the back debt. Are you going to put different debt in the 13, credit cards, collections, car notes ect. You will have one chapter 13 payment. It can and will be a high payment. Be careful do what is good for you do your homework.

[ibtnm25]

The servicer will not most likely do a short refi. Getting a repayment plan will be higher than your paying currently believe me unless they really do not want the property. Remember kids the money does NOT go away they put it in the back of the loan. If your going to be late, yes call they might put that payment or 2 in the back of the loan. To me filing a chapter 13 is a risk but it might be worth looking into but be careful! It can help with arreages but can produce huge payments.

[ibtnm25]

Tell you what I have owned a mortgage for years and mortgage servicers are in to make money. He has some good ideas in the beginning but if your 3 or more behind the servicer has all the cards. You might have to put money down on the payments behind and get a new payment. Here's the trick they will say you have 4 months to get the payments up to date with the new payment. So, you have a current payment then fee's then back payments it adds up. If they come with a crazy payment... negotiate.

[globalfabllc]

dude, try putting your cue card above the camera, your furtive eye movements to your right is distracting

[2ModMyLoan]

These things worked well when he made this video in March of 2008 but the best way to go NOW IN 2009 is an attorney assisted loan modification.

I do them.

[5yearplan1]

2ModMyLoan

I went to a Loan modification attorney here in Las Vegas. 6 months, later I am in foreclosure. They took $3000 up front to retain them and they haven't done anything. Now I am screwed. Loan modification is a fraud!

[moniequa]

Hahahahah, oh my god you're killing me with laughter.

[Cptn2daRscu]

Look up the congresswoman from toledo and what she is telling her base. She is telling them to squat in their homes and force the banks to produce the note. They cant! Look up the secured party creditor information you will understand. We live in the world of oz.

[marymerkat]

With all due respect, these things do not work! Do you really believe these big banks will help? No way. We paid extra on 2 mtg's for over 2 years and neither one was willing to help at all! The loan mod is a joke. Then you talk to them and explain what's going on, and they insist that they have the call you again the next day. We finally had to send one bank a letter to make them stop calling constantly on my work number - and they did.

[My4sonsjrbm]

You're right Mary. These don't work. What's so frustrating is that a homeowner is having trouble making the current payment so the bank says, "We're going to help you save your home by INCREASING your monthly payment since you're having troulbe making the current payment." What a crock!

[ibtnm25]

well said!!!!!!

[BloodTar]

The best way to stop a foreclosure is to never buy what you can't afford in the first place. Stop trying to look more prosperous than you really are.

[FlynnBankruptcy]

What awful ideas. The only good thing he said was chapter 13, but he couched it as the last resort because, "it will hurt your credit." LOL. Hmmm. . . let's see, do I want a good credit rating that I can't do anything with anyway, or do I want to keep my home? Also, to counter what he and some others have said, chapter 13 is NOT a temporary solution. It can and often is a permanent solution. It permits you to catch up on the arrearages, the true arrearages over a 5 year plan.

[stellapena]

Incorrect. These are already being offered by most lenders the minute you're at least 2 months in arrears, as per HUD guidelines.

Credit (good or bad) shouldn't be a consideration when deciding whether to file 7 or 13. Bankruptcy is a last resort, and probably the only resort if you're upside-down on your mortgage anyway. Bankruptcy should ONLY be discussed with a qualified attorney.

[WeCanAllGetAllong]

Good tips,thank you!

[Danster82]

Or you could just get your bank to prove to the court there was "consideration" in the contract by providing the court with actual loss' they incurred when providing the loan. The cannot do this because they sustained no loss as they created the credit you required at the point of the loan via accounting(out of thin air)

therefore all loan contracts by banks are non-binding in law.

[turboredcart]

and with the endless bail outs. 12 so far. why is good credit for me even desirable? I mean really? Why work hard to have good credit. People are being shut out of credit limits, for not having a balance. 0% fed rate. why is none of my payments anywhere near 0%?

[Cptn2daRscu]

LOL...How about becoming a secured party creditor, and retaking ownership of your individual sovereignty. Take control of life. Search the net you will see what I am talking about it. Ive done enough research into it to say without a doubt that their are two of you, one real you, one defacto you.

[turboredcart]

and they do this take over to someones mom! and someones grandmother. I just feel so bad for these folks who have no idea what is coming next. You know food shortages and civil unrest, secession of states.

[imsok2u]

It's a commercial..........pathetic

[LoveToBuild]

'Regular, 'bank-approved' info here-- and at the end, he's a vulture bottom-fisher, seeking to buy your property really cheap so HE can make a profit.

The only redeeming factor is that he may get burned worse than you if property values keeps sliding...

Google Ohio Rep Marci Kaptur and 'WHERE IS THE NOTE??' for REAL potential help-- the forecloser MAY NOT HAVE the original mortgage papers-- as required by law to foreclose!!-- bc your mortgage may have been transferred and resold many times!!!!

[INVESTORK]

O.K. The only thing he says that is short of being homeless is a chapter 13 which is only temporary. BEWARE if anyone tells you these lame tatics. Only a lawyer could pull this lame ideas off because he will threaten them with a chapter 13. So get a lawyer with some balls AND start looking for a homeless shelterif u keep watching this

[INVESTORK]

This is lame. I got to number 5 and wrote this comment. I tried all of this and none of it worked. If you rely on these items you better be looking for a homeless shelter to move into once the sherrifs come to lock you out!

[mjan1]

Great Info ! I'll be visiting the site.