If you’re having trouble making your mortgage payments or are already in danger of foreclosure, this guide will give you the practical information you need, including:
- the ins and outs of foreclosure
- how to decide if you should try to keep your house
- programs to help you avoid foreclosure
- alternatives to foreclosure, such as short sales and deeds in lieu
- delaying or avoiding foreclosure with bankruptcy, and
- how to avoid becoming the victim of a foreclosure scams.
İçerik tablosu
1. Foreclosure: The Big Picture 2. Foreclosure Nuts and Bolts 3. Can You Keep Your House? Should You? 4. Negotiating a Workout 5. How Chapter 13 Bankruptcy Can Delay or Stop Foreclosure 6. How Chapter 7 Bankruptcy Can Delay or Stop Foreclosure 7. Fighting Foreclosure in Court 8. If You Decide to Leave Your House 9. How Long Can You Stay in Your House for Free? 10. Resources Beyond the Book Glossary Index
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Amy Loftsgordon is a legal editor at Nolo, focusing on foreclosure, debt management, and personal finance. She is the coauthor of The Foreclosure Survival Guide, Solve Your Money Troubles, and Credit Repair. Amy has worked in the areas of foreclosure and debt collections for over 15 years, first in her own law practice and then for several law firms where she was responsible for ensuring compliance with foreclosure and collections laws. Amy has drafted foreclosure-related training programs and loan servicing compliance procedures, as well as written training manuals for collections operations. She also performed compliance reviews of foreclosures in multiple states as part of the national Independent Foreclosure Review. Amy was also instrumental in writing expert reports that were used in lawsuits against banks and servicers accused of mishandling preforeclosure, loss mitigation, foreclosure, and REO processes. In support of these lawsuits, she also conducted loan-level audits to assess servicer compliance with federal mortgage servicing laws, RESPA, TILA, SCRA, state foreclosure laws, and UDAAP/UDAP laws, as well as Making Home Affordable and FHA loss mitigation procedures. Amy received a B.A. from the University of Southern California and a law degree from the University of Denver Sturm College of Law. She is licensed to practice law in Colorado.