Foreclosure Self-Defense for Dummies by Ralph R. Roberts (PDF)

Description

Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome. This practical, no-nonsense guide helps you size up your options and increase your chances of saving your home. You’ll find out how to delay foreclosure, form a plan of attack, negotiate solutions with your lender, and restore your financial health. You’ll also find field-tested strategies for dodging the foreclosure trap, getting out from under a house you really can’t afford, and finding help where you might least expect it. Discover how to:Regain your emotional composureConfront your foreclosure head-onProtect your rightsAssess your situation and weigh your optionsTouch base with key people who can help youStop the financial bleedingTeam up with your lender to find solutionsWork out a refinancing deal with another lenderAvoid quick-fix schemes and scamsCash out before it’s too lateRecover from foreclosureRe-establish your creditComplete with a handy cheat-sheet to help you keep your most important tasks in the front of your mind Foreclosure Self-Defense for Dummies gives you the moral support, commonsense guidance, and expert advice you need to make the best of this difficult situation.

User’s Reviews

Editorial Reviews: From the Back Cover Save your home, protect your family, re-establish your credit!Defend your home from foreclosure — or get out from under itAre you facing foreclosure? This no-nonsense guide helps you size up all your options and increase your chances of saving your home. You’ll see how to delay foreclosure, form a plan of attack, negotiate solutions with your lender, and restore your financial health. Discover field-tested strategies for dodging the foreclosure trap or getting out from under a house you really can’t afford.Discover how to:Protect your rightsWeigh your optionsTeam up with your lenderAvoid mortgage scams and pitfallsRecover from foreclosure About the Author Ralph R. Roberts is a master of transforming crises into opportunities. After losing one of his own homes to foreclosure early in his career, Ralph added a foreclosure division to his real estate business. Its goal was to assist distressed homeowners facing foreclosure and earn a profit in the process. Since then, Ralph and his team have led thousands of families through the foreclosure maze, informing them of their options, steering them clear of the most common pitfalls, and empowering them with the information required to get on with their lives. Ralph is the official spokesperson for Guthy-Renker Home (HurryHome.com), is on the board of directors for the Macomb County Chapter of Habitat for Humanity, and has a host of Web sites and blogs, including FlippingFrenzy.com and GetFlipping.com. Ralph is also an experienced mentor, coach, consultant, and author who has penned several successful books, including Flipping Houses For Dummies (Wiley), Foreclosure Investing For Dummies (Wiley), Advanced Selling For Dummies (Wiley), and Protect Yourself from Real Estate and Mortgage Fraud: Preserving the American Dream of Homeownership (Kaplan). To find out more about Ralph Roberts, visit www.aboutralph.com. Lois “Lane” Maljak is Ralph’s second in command and a foreclosure specialist in her own right. Lois formerly ran Ralph’s foreclosure department, HomeSavers, during which time she met with hundreds of distressed homeowners every year, assisting people in foreclosure and pre-foreclosure, counseling them on their available options, and helping them leave a difficult situation in their past. Lois has a combination of compassion and expertise that makes her uniquely qualified to counsel hapless homeowners.Paul Doroh is also a foreclosure expert working directly with clients and prospective clients at Ralph Roberts Realty. In addition to meeting with homeowners who are facing foreclosure, Paul represents the company at foreclosure auctions. He has been thoroughly trained in the Ralph Roberts approach to foreclosure investing — assisting people through the foreclosure process so they can gain more control of the situation and improve their outcome.Joe Kraynak is a freelance author who has written and coauthored numerous books on topics ranging from slam poetry to computer basics. Joe teamed up with Dr. Candida Fink to write his first book in the For Dummies series, Bipolar Disorder For Dummies. He has since teamed up with Ralph Roberts to coauthor Flipping Houses For Dummies, Foreclosure Investing For Dummies, and Advanced Selling For Dummies, and with Dr. Robert Wood to coauthor Food Allergies For Dummies.

Reviews from Amazon users which were colected at the time this book was published on the website:

⭐It’s a good book (2008), it’ll do; but I bought another one at the same time and it seemed even better. For us. The Foreclosure Survival Guide (Oct 2009, Elias, NOLO) was better suited to our personal situation; and NOLO and author Elias keep a website up, with corrections, addenda, etc.Your situation is different, they all are! Your other debts matter, for instance, and your family, and your taxes. Things keep changing too. Your state may have different laws, like deficiency judgments, for one. So see a local lawyer (who specializes in this work and has seen hundreds of foreclosures), at least for a free initial consultation, before you decide one way or the other about workarounds, walking away, HOA fees, short sales, possible bankruptcy, deed-in-lieu, delaying strategies, all of that.We chose to walk away from our property (keep it simple), and the book will help you feel better about having made your decision. If you are underwater now, then really you don’t own anything at that address except your personal stuff. Pretend you lost the money in the market, because that’s exactly what happened. The lenders gambled at the same time you made your investment, and you’ve both lost. Treat it like a business decision, I’d say. Breathe deeply.Not incidentally, the bank/lenders may well get paid anyway, on the back end, so don’t feel sorry for them, nor obligated. Quite likely they (or you) paid the premium on “private mortgage insurance,’ and that will help them, not you.It is a very good book, they both are. But foreclosure should not be a do-it-yourself project; get some expert local advice at least.

⭐Person just liked the book

⭐No detailed information, basic.

⭐Fortunately I didn’t have to go to bankruptcy but this gave me the preparation if I did, giving me confidence and knowledge.

⭐I don’t think it helped us much. We ended up not having to foreclose and just in case we may one day, its lying around the house somewhere. I get a little sick of the “for Dummies” title too. Anyone else tired of it? I’d like to see it ” How to Wash your Car for SMART PEOPLE or something like that.

⭐As a lawyer who works in this area (defending wrongful foreclosures) I see this book as one that gives the reader enough rope with which to hang him- or herself. Each state’s laws are different. And in states in which non-judicial foreclosure is the norm, this book is worse than useless. Consult with a COMPETENT lawyer who works in this area and has more than a few years of practice under his or her belt in the areas of real estate related litigation, bankruptcy, and real estate if you risk losing your home or investment property. No one book or source can substitute for a lawyer who sees the big picture and will be aware of the unexpected and the intangible issues that are always presented. I gave the book two stars because I think the book was written with good intentions. But we all know what the road to Hades is paved with.

⭐The truth is that if you haven’t met your payments there is very little that can be done to save your house.There are some ideas, but, but they are not very practical and don’t offer much for most borrowers.

⭐I have been a federal investigator and the senior compliance officer for a Fortune 500 real estate related company with over twenty years in the industry. I found the book to be both enlightening and clear in its presentation of the ‘foreclosure’ environment. The book answers all foreclosure related questions while dispelling foreclosure myths. My staff now use the book as their primary source of information and reference when responding to our industry and consumer clients regarding Foreclosure related issues.

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