loadtoc({"version":"1.0","encoding":"UTF-8","feed":{"xmlns":"http://www.w3.org/2005/Atom","xmlns$openSearch":"http://a9.com/-/spec/opensearchrss/1.0/","xmlns$georss":"http://www.georss.org/georss","id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337"},"updated":{"$t":"2009-12-09T13:59:36.569-08:00"},"title":{"type":"text","$t":"How To Stop Foreclosure"},"subtitle":{"type":"html","$t":"Free information and resources for people who are facing real estate foreclosure, including options, avoiding predatory foreclosure lending scams, delaying eviction, and the foreclosed properties cash for keys program."},"link":[{"rel":"http://schemas.google.com/g/2005#feed","type":"application/atom+xml","href":"http://how2avoidforeclosure.blogspot.com/feeds/posts/default"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default?alt\u003djson-in-script\u0026max-results\u003d999"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/"},{"rel":"hub","href":"http://pubsubhubbub.appspot.com/"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"}}],"generator":{"version":"7.00","uri":"http://www.blogger.com","$t":"Blogger"},"openSearch$totalResults":{"$t":"13"},"openSearch$startIndex":{"$t":"1"},"openSearch$itemsPerPage":{"$t":"999"},"entry":[{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-4571469301760970698"},"published":{"$t":"2009-05-11T20:27:00.000-07:00"},"updated":{"$t":"2009-05-11T20:28:14.458-07:00"},"title":{"type":"text","$t":"Stop Foreclosure with a Loan Reinstatement"},"summary":{"type":"text","$t":"Do you wish to keep your home from going into foreclosure? Thousands of people have foreclosed on homes across the nation. There are plenty of reasons for this. There are various methods to ignore foreclosure if you are serious about saying your home. These ways include forbearance, loan reinstatement, and a loan modification. The loan reinstatement is the most common way to save your home from "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/4571469301760970698"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/4571469301760970698"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2009/05/stop-foreclosure-with-loan.html","title":"Stop Foreclosure with a Loan Reinstatement"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-3176850680274249022"},"published":{"$t":"2009-04-25T22:24:00.000-07:00"},"updated":{"$t":"2009-04-25T22:25:07.240-07:00"},"title":{"type":"text","$t":"Consumer Bankruptcy and Foreclosure"},"summary":{"type":"text","$t":"As popular as bankruptcy is today, it's nothing new, going at least all the way back to the Bible's Book of Deuteronomy, which simply states: \"At the end of every seven years you must cancel debts.\" If only it were that divinely simple.All these centuries later, a bankruptcy filing still offers forgiveness for many debts, or at least provides a payment plan to make them more affordable. But rules"},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/3176850680274249022"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/3176850680274249022"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2009/04/consumer-bankruptcy-and-foreclosure.html","title":"Consumer Bankruptcy and Foreclosure"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-3000957521617891009"},"published":{"$t":"2009-04-25T22:11:00.000-07:00"},"updated":{"$t":"2009-04-25T22:12:50.801-07:00"},"title":{"type":"text","$t":"Foreclosure help for Miami-Dade families"},"summary":{"type":"text","$t":"Miami, Florida, like many other US cities, is suffering from a drastic rise in home foreclosures. According to foreclosure filing statistics from the Miami-Dade County Clerk of Courts , county foreclosures in 2009 are up 62% since last year.Besides Help for Homeowners Program and Homeowner Affordability and Stability Plan offered by the Federal Government, the City of Miami's Department of "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/3000957521617891009"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/3000957521617891009"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2009/04/foreclosure-help-for-miami-dade.html","title":"Foreclosure help for Miami-Dade families"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-7671522630206668518"},"published":{"$t":"2009-04-25T22:05:00.000-07:00"},"updated":{"$t":"2009-04-25T22:07:01.256-07:00"},"title":{"type":"text","$t":"Foreclosures Predicted to Soar in California"},"summary":{"type":"text","$t":"California is about to get hit by another foreclosure wave.Pre-foreclosure notices in the state jumped by 80% in the first quarter of 2009 from the previous quarter, according to a new report from DataQuick Information Systems of San Diego, a sign that foreclosures in California will rise sharply in the coming months.Foreclosure moratoria and a state law that slowed down foreclosures had "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/7671522630206668518"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/7671522630206668518"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2009/04/foreclosures-predicted-to-soar-in.html","title":"Foreclosures Predicted to Soar in California"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-1594297163712657585"},"published":{"$t":"2009-04-25T22:02:00.000-07:00"},"updated":{"$t":"2009-04-25T22:03:18.081-07:00"},"title":{"type":"text","$t":"Texans could get more time for homes in foreclosures"},"summary":{"type":"text","$t":"Texans who fall behind on their mortgage payments would get more time to try to save their homes under legislation approved by the Texas Senate.Under current law, Texas homeowners have just 20 days to cure a loan default before lenders foreclose on them. It is one of the shortest foreclosure notice periods in country.The bill approved Friday, a top priority of Attorney General Greg Abbott, would "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/1594297163712657585"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/1594297163712657585"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2009/04/texans-could-get-more-time-for-homes-in.html","title":"Texans could get more time for homes in foreclosures"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-3199967489307660384"},"published":{"$t":"2009-02-25T23:16:00.000-08:00"},"updated":{"$t":"2009-02-25T23:20:22.238-08:00"},"title":{"type":"text","$t":"Foreclosure Bailout Information"},"summary":{"type":"text","$t":"The government's foreclosure bailout program, unveiled on Wednesday, February 18th, doesn't start until March Fourth. At that time it's up to the homeowner to contact their lender. And that's when lenders start taking applications for loan modifications.In the meantime, gather the paper work like you would with any refinancing and do what housing counselors are doing ... learn all you can about "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/3199967489307660384"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/3199967489307660384"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2009/02/foreclosure-bailout-information.html","title":"Foreclosure Bailout Information"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-4871192648395370119"},"published":{"$t":"2009-02-24T14:09:00.000-08:00"},"updated":{"$t":"2009-04-25T22:27:43.371-07:00"},"title":{"type":"text","$t":"Contact Your Lender Immediately"},"summary":{"type":"text","$t":"Many people avoid calling lenders about money troubles because we:1) Feel embarrassed discussing money problems with others.2) Believe that if lenders know we are in trouble, they will automatically rush to a collection agency or foreclosure (seize property for failure to pay a mortgage debt).But lenders want to help borrowers keep their homes because:1) Foreclosure is expensive for lenders, "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/4871192648395370119"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/4871192648395370119"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2007/12/contact-your-lender-immediately.html","title":"Contact Your Lender Immediately"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-1973016168276434355"},"published":{"$t":"2009-02-23T14:00:00.000-08:00"},"updated":{"$t":"2009-02-25T23:11:29.628-08:00"},"title":{"type":"text","$t":"Explore Solutions With Your Lender"},"summary":{"type":"text","$t":"First and foremost, if you can keep your mortgage current, do so. But if you find you are unable to make your mortgage payments, you might qualify for a loan workout option. Check with your lender to see which option may be available. Some options may not apply to your loan if it is not insured by FHA.If your problem is temporary - call your lender to discuss these possibilities:Reinstatement: "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/1973016168276434355"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/1973016168276434355"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2007/12/explore-solutions-with-your-lender.html","title":"Explore Solutions With Your Lender"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-570870062564203170"},"published":{"$t":"2009-02-22T14:05:00.000-08:00"},"updated":{"$t":"2009-02-25T23:11:57.113-08:00"},"title":{"type":"text","$t":"Prioritize Your Debts"},"summary":{"type":"text","$t":"You will need a new, tightened budget if you lose a job. Prioritize your bills and pay those most necessary for your family: food, utilities and shelter.Failing to pay any of your debts can seriously affect your credit rating, but if you stop making your mortgage payments you could lose your house. Try these suggestions to keep your home:1) Whenever possible, use any income available after paying"},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/570870062564203170"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/570870062564203170"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2007/12/prioritize-your-debts.html","title":"Prioritize Your Debts"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-7715093757697354224"},"published":{"$t":"2009-02-18T13:54:00.000-08:00"},"updated":{"$t":"2009-02-25T23:12:43.863-08:00"},"title":{"type":"text","$t":"Other Foreclosure Possibilities"},"summary":{"type":"text","$t":"Sale: If you can no longer afford your home, your lender will usually give you a specific amount of time to find a purchaser and pay off the total amount owed. You will be expected to use the services of a real estate professional who can aggressively market the property.Pre-foreclosure sale or short payoff: If you can't sell the property for the full amount of the loan, your lender may accept "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/7715093757697354224"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/7715093757697354224"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2007/12/other-possibilities.html","title":"Other Foreclosure Possibilities"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-2264523880652506134"},"published":{"$t":"2009-02-17T13:48:00.000-08:00"},"updated":{"$t":"2009-02-25T23:13:04.760-08:00"},"title":{"type":"text","$t":"Predatory Foreclosure Lending Scams"},"summary":{"type":"text","$t":"Most mortgage lenders are trustworthy and provide a valuable service by allowing families to own a home without saving enough money to buy it outright. But dishonest or \"predatory\" lenders do exist and engage in lending practices that increase the chances that a borrower will lose a home to foreclosure. Beware especially of those who make high risk second mortgages. Other abusive practices "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/2264523880652506134"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/2264523880652506134"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2007/12/predatory-foreclosure-lending-scams.html","title":"Predatory Foreclosure Lending Scams"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-4124915161870972630"},"published":{"$t":"2008-11-15T22:24:00.002-08:00"},"updated":{"$t":"2009-02-25T23:14:26.095-08:00"},"title":{"type":"text","$t":"FDIC Announces Foreclosure Consumer Help Plan"},"summary":{"type":"text","$t":"Publicly breaking with the Bush administration's official stance, the Federal Deposit Insurance Corp. proposed on Novebmer 11, 2008, to use $24 billion in government funding to help 1.5 million American households avoid foreclosure.Where to find that money, though, is in dispute. FDIC officials want to use part of the $700 billion bailout of the financial industry to pay for it. But the Treasury "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/4124915161870972630"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/4124915161870972630"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2008/11/fdic-announces-foreclosure-consumer_15.html","title":"FDIC Announces Foreclosure Consumer Help Plan"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]},{"id":{"$t":"tag:blogger.com,1999:blog-4296363873609808337.post-9118211595686666232"},"published":{"$t":"2008-10-28T01:48:00.000-07:00"},"updated":{"$t":"2009-02-25T23:09:46.662-08:00"},"title":{"type":"text","$t":"Lenders look to avoid Bank Foreclosures"},"summary":{"type":"text","$t":"Among the many harsh lessons for mortgage lenders in the real estate bust is this one about evictions: Selling a house is far easier than taking it back. Clever opportunists and struggling families have figured this out, too, and the result is a rapidly evolving free-for-all.Defaulting homeowners are taking advantage of banking chaos to live mortgage-free for six months or longer, dragging out "},"link":[{"rel":"edit","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/9118211595686666232"},{"rel":"self","type":"application/atom+xml","href":"http://www.blogger.com/feeds/4296363873609808337/posts/default/9118211595686666232"},{"rel":"alternate","type":"text/html","href":"http://how2avoidforeclosure.blogspot.com/2008/10/lenders-look-to-avoid-bank-foreclosures.html","title":"Lenders look to avoid Bank Foreclosures"}],"author":[{"name":{"$t":"Alan Baltes"},"uri":{"$t":"http://www.blogger.com/profile/13046079515408821971"},"email":{"$t":"noreply@blogger.com"},"gd$extendedProperty":{"xmlns$gd":"http://schemas.google.com/g/2005","name":"OpenSocialUserId","value":"05222674473081912623"}}]}]}});