Announcement: Welcome To Our Blog!

Be sure to check out our brand new video on How To Stop Foreclosure on your Michigan House

Click to watch Stop Michigan Foreclosure Video

We’ve created this BLOG because things are constantly changing in the world of Foreclosure Solution. This BLOG will give us the ability to communicate those changes to you, along with what some of the “Real Life Experiences of Michigan’s #1 Foreclosure Solution Team”.

Of course if you can’t find what you’re looking for here, you’ll finds loads of great information on our website (www.StopMichiganForeclosure.com).

We find that many of the families we work with would like to get to know our team better. You’ll find short video introductions to our entire team on the About Page (just click here then scroll to the bottom for links to our team).

If you need us (never a fee of course), we’re just a phone call away.

Ann,
Joel,
and Holly

P.S. Did you catch Joel on the Radio being interviewed about ways to stop foreclosure? Now’s your chance to listen!


as heard on 590 WKZO image

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P.P.S. Oh, and here’s the one-time special legal disclosure: We are not an attorneys. The information presented is our best knowledge based on our experiences and education. You should seek legal counsel if you want specific legal details.

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Announcement: Sending Us An Email?

Just a quick tip: If you send us an email asking for help, be sure to check your “SPAM” or Junk mail folder for an answer. Many times, our answers end up there because we send them from a corporate email address.

Look for an answer from someone on our team that comes from either @StopMichiganForeclosure.com or @GreatLakesHomeSolutions.com. You may want to add these two domains to your “safe senders list” or “white list” right now.

I’d hate to see you ask for advice only to never see the answer!

Joel

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Words of Wisdom

Words of Wisdom

Once upon a time, I collected words of wisdom that I had read in books, magazines, etc. I cut them out and pasted them into a notebook with the intention of reading them whenever I needed a little inspiration. Well, you know how these things go. Somewhere along the way, the notebook got stuck in a drawer and forgotten until I found it recently. As I paged through the notebook, I realized that these words of wisdom were not meant to be kept in a notebook, and should be shared so they could inspire others.

My life has changed since I first stuck those words of wisdom in the notebook and now I talk regularly to distressed sellers facing Michigan foreclosures. Many are courageously facing tremendous financial hardship and life situations and I am always impressed with people’s will to fight for their financial future & happiness. However, from talking to these homeowners, I know the fight can be lonely, confusing, overwhelming, stressful and even paralyzing as people facing foreclosure try to figure out who to believe and what to do to get back to better times. So, I share these words of wisdom with the hope they will strengthen you.

 

“Nothing will even be attempted, if all possible objections first be overcome.” Samuel Johnson, “Rasselas”, 1759

“The person who removes a mountain begins by carrying away small stones.” Chinese proverb.

“The secret of getting ahead is getting started. The secret of getting started is breaking your complex overwhelming tasks into small manageable task, and then starting on the first one.” Mark Twain.

“The vision must be followed by the venture. It is not enough to stare up the steps. We must step up the stairs.” Vance Havner

“Let us move on, and step out boldly, though it be into the night and we scarcely see the way.” Charles B. Newcomb

“Reflect upon your present blessings, of which every man has many. Not on your past misfortunes, of which all men have some.” Charles Dickens

“The conditions of conquest are always easy. We have but to toil awhile, endure awhile, believe always and never turn back.” Marcus Annaeus Seneca

 

We may not be as wise as these great thinkers, but we do know a few things about helping homeowners facing a Michigan Foreclosure. Give us a call and we can answer your questions, discuss options and help you figure out your goals. You may find the fight for your family’s financial future is easier with our assistance. We deal with lenders every day and we know a lot about how to win that fight. Let us help you to live the words of Helen Keller: “Be of good cheer. Do not think of today’s failures, but of the success that may come tomorrow. You have set yourself a difficult task, but you will succeed if you persevere; and you will find joy in overcoming obstacles.”

Ann

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Working Harder… Than Anyone!

Working Harder…. Than Anyone!

We have always been proud that one of the 4 promises that we always make to distressed sellers facing a Michigan foreclosure is the following.

“We will always work harder than anybody, doing whatever we can, to permanently stop your foreclosure situation”

What exactly does this mean? Well, today, I want to give you some examples.

  • We attend monthly and sometimes weekly webinars and teleconferences to keep current on foreclosure related topics.
  • Our negotiators continually call back a lender until they get questions answered or reasonable updates. Our negotiators will not hesitate to call supervision or even executives if the assigned reviewer is unresponsive or making no progress.
  • When documents need to be signed by anyone involved, we follow up aggressively to make sure they are being addressed in a timely manner and often take it upon ourselves to route the documents for signature instead of waiting for them to go through “normal” channels.
  • We provide regular updates to everyone involved in the transaction

The list goes on but you get the idea. We essentially stay involved in every aspect of the transaction making sure it is moving forward and not stagnant and that communication lines are kept open. Does this sound better than handing your situation over to someone who may have never talked to a foreclosing lender before or trying to deal with the lender yourself? If so, then give us a call and let us put our systems to work for you. We won’t ask you for any money, we’ll keep all your information confidential and we will work harder than anyone else. That is a promise!

Joel

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Unspoken Promises

Unspoken Promises

Regular Readers of our blogs hopefully know by now that we always make 4 promises when helping sellers who are facing a Michigan Foreclosure.

  • We will never ask you for money.
  • We will never put you in a situation that is worse than you are currently in.
  • We will always keep all of your information 100% confidential.
  • We will always work harder than anybody, doing whatever we can, to permanently stop your foreclosure situation

Recently, I have talked to several distressed sellers who were not only financially distressed because they were not able to make their house payment, and also mentally & emotionally distressed because they had been cheated and mistreated by someone claiming to be able to help them. Usually the stories are similar. Someone makes the seller a big promise to negotiate with their bank, money is paid by them for the promise of services (note: it may be illegal for someone to take money prior to performing a service, be sure to read our blog on MARS), then the negotiator disappears or stops communicating and the seller has no clue what is going on. These stories always make me mad because:
1. The distressed seller was taken advantage of and put in a worse situation
2. People (like us) who offer a legitimate benefit to help sellers have to work harder to prove we are trustworthy and not out to hurt anyone.

In a perfect world, we shouldn’t have to promise the following because these should be unspoken promises that are expected from a legitimate company. However, I am proud and glad that we can make these promises and so I think it is time to no longer keep them “unspoken”

  • We will return your phone calls and emails and not “disappear” on you.
  • We will communicate & keep you updated on what is going on as we negotiate with your bank
  • We will keep current on Michigan foreclosure laws and keep aware of potential and actual changes (however, we are not attorney’s and you should always consult one if you need legal advice)
  • We will not ask you for any money upfront or during the process (actually we already promise this but this is such a huge problem out there that I thought I would repeat it).

If you are behind on your house payments and facing a Michigan Foreclosure, turn to us to get information, discuss options and define your goals. We are a Michigan-based company that has been helping distressed sellers since 2002 and we are glad to help you. We will not make any “pie in the sky” promises, spoken or unspoken, that we cannot keep. Let us help you get back to better times.

Ann

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Michigan Foreclosure Headlines

Michigan Foreclosure Headlines

Seems like the news is full of stories about Michigan foreclosure again these days as Michigan legislators try to push through new legislation to fight the foreclosure fraud created by robo-signers and other questionable lender practices. Even if you don’t sit down and read a paper or watch the news, it is still hard to escape the headlines that scream at you from billboards, computers, newsstands, commercials and other unsuspecting places. All this negative news about how foreclosure processes have been handled can create a high level of concern and confusion if you are facing a Michigan Foreclosure and don’t know who to believe and what to do.

To let you know that there is hope and there are people you can trust and believe, we thought we would share some headlines from homeowner we have helped.

“Thanks to the compassion and understanding of my situation,… took a very rough situation and handled all of my stress” Debbie, Scotts

“After my first visit, I felt relief. They were very professional and courteous”. Todd, Mattawan

“… helped me through the entire process and explained the process thoroughly”. Jerry, Kalamazoo

“They worked very closely & professionally with me, keeping me updated weekly on what was happening and saved me from having to deal with the bank….” Sue, Onekama

“…helped us move forward with our lives and start fresh.” Erin & Kevin, West Bloomfield

“We thank them for making the process virtually painless.” Amy & Steve Mecosta

“Knowing that a team of competent professionals was helping us to come to a resolution with our lender allowed us to move forward.” Shana & Charles, Caledonia

If you are behind on your house payments and facing a Michigan Foreclosure, give us a call. We will never charge you anything, we will keep all your information confidential and we will work harder than anyone to help get you back to better times. Make your own headlines and give us a call today!

Ann

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Should I Stop Making My House Payments?

Should I Stop Making My House Payments?

The other day, I got a call from a seller facing a Michigan foreclosure who said the words that always make me sick: “I was told to stop making my house payments”. The person who gave the advice is sometimes the lender, sometimes a person offering to negotiate a short sale or a loan modification, sometimes a REALTOR® or family member. In my humble opinion, the only person who should be giving advice on whether you make your payment or not is an attorney because they are the only ones who can tell you the legal implications of breaking the contract you have with your lender. After all, you signed a promise to pay back the money when you got your loan to buy the house, and this is the contract you are breaking when you stop payments.

All the other (non-attorney) people may be well-intentioned, but from the calls that I get from homeowners who heed this advice, the outcome is usually not what was expected.

  • Many find out their lender has started foreclosure since they are not receiving payments
  • Many find out too late that they cannot do the work out and now they are so far behind it is a monumental task to get caught back up.
  • Many find out that their credit is being hurt by the missed payments.

The other trap that people fall into is to decide they are going to stop making payments (when they can afford to make them) because the house is not worth what they owe. Out of anger or frustration or despair, they decide to break their agreement to pay the bank. Again, unless this decision is made in consultation with an attorney, tread lightly or you could set yourself up for a Michigan foreclosure.

We will never tell you to stop making payments. This is something that you and your attorney (if you chose to consult one) must decide. We will be glad to discuss your options and help you figure out your goals and share our knowledge with you but we will never tell you to stop making payments. Be wary of anyone (besides an attorney) who is ready to tell you to stop making payments.

If you are facing a Michigan Foreclosure, give us a call. We will not charge you a fee and we will keep all your information confidential. We can help keep you out of traps that will seriously limit your options. We can help get you back on the road to better days.

Ann

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Who would you Rather Work With….?

Who would you Rather Work With….?

Occasionally, we like to share a story about a seller facing a Michigan foreclosure whom we have helped get back to better times. This way, you can know there are real people overcoming possibly similar or worse situations that you are facing if you are facing a Michigan Foreclosure. Let me tell you about Mindy & Keith (not their real names) from the Grand Rapids area.

Most people who are behind on their house payment and facing a Michigan foreclosure have gotten there because of a financial hardship. Well, Mindy & Keith had more than their share of hardships. They were dealing with job loss, they needed to relocate out of state to find work, then there was the death of a close family member and personal illness. Yet, they remained some of the most optimistic and grateful people we have helped. Here is what they had to say:

“We just want to thank you for helping us get the house sold!!! We could not have done it without you, as we tried for several years with other listings and “by owner” and the bank refusing to work with us. You helped us know what to do and say and handled all the negotiations with the lender on our behalf. It was a huge relief to us to work with someone who we could trust and who had the experience to get the job done in a timely manner and not put us in a worse situation! You were true to your word which is rare to find these days! We have told several others about you and will continue to do so. After all, who would you rather work with, a company who has done this “a few times” or a company that is more than experienced to get the job done and do it correctly!!”

We did not charge Mindy & Keith anything for our help, we kept all their information confidential and we did not get them into a worse situation. We will do the same for you. Who would you rather call? Give us a call and let us get our experience working for you!

Ann

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Facing the WHY’s Behind Lenders and Their Actions

Facing the WHY’s Behind Lenders and Their Actions

After talking with struggling sellers for years, the questions why lenders do what they do come up in every conversation:

  • Why won’t my lender give me a break and reduce my loan?
  • Why won’t my lender just give me a few months and I’ll get caught up?
  • Why don’t lenders send people a certified letter when they are going to foreclosure/sheriff sale?
  • Why do they give me the run around?
  • Why aren’t there other options for me in my tough financial situation?

The questions are endless and always start with WHY. Read more…

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Saved from the Icy Depths!

Saved from the Icy Depths!

I was walking one February afternoon with my dogs along the lake. One of the dogs walked out a dock and was sniffing around. This didn’t concern me too much until suddenly, splash, she had jumped off the dock onto the ice and crashed through the ice. In a blink of the eye, she was flailing around in the ice cold water. She managed to pull her front end up onto the ice, but could not pull her back end out of the water. Fortunately, I could walk out the dock, reach under her stomach and pull her up onto the ice. Read more…

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