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	<title>Preventing Foreclosure</title>
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	<link>http://preventingforeclosure.org</link>
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		<title>Produce the Note, a Last Ditch Effort in Fighting Foreclosure</title>
		<link>http://preventingforeclosure.org/2009/01/produce-the-note-prevent-foreclosure/</link>
		<comments>http://preventingforeclosure.org/2009/01/produce-the-note-prevent-foreclosure/#comments</comments>
		<pubDate>Sun, 01 Feb 2009 06:45:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[homeowner's rights]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=355</guid>
		<description><![CDATA[If you are at wits end after trying all your options to avoid a foreclosure and the bank has not given you the time or care to help resolve your pending foreclosure it is advised by some experts to appear in court at the foreclosure hearing and demand that the bank produce the note proving [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Delay Foreclosure, Legal Tactics</title>
		<link>http://preventingforeclosure.org/2008/11/delaying-foreclosure-tactics/</link>
		<comments>http://preventingforeclosure.org/2008/11/delaying-foreclosure-tactics/#comments</comments>
		<pubDate>Wed, 26 Nov 2008 08:26:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=226</guid>
		<description><![CDATA[Attempting to delay a foreclosure doesn&#8217;t mean you delay taking action.  You must act with urgency in order to get the most from each of these maneuvers.  The following list presents short-term solutions.  We also offer permanent options to avoid foreclosure on a separate list.

Call your Lender: You should contact your lender as soon as [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/11/delaying-foreclosure-tactics/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding the Foreclosure Process</title>
		<link>http://preventingforeclosure.org/2008/11/understanding-foreclosures/</link>
		<comments>http://preventingforeclosure.org/2008/11/understanding-foreclosures/#comments</comments>
		<pubDate>Mon, 24 Nov 2008 11:30:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Consequences of Foreclosure]]></category>
		<category><![CDATA[foreclosure process]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[homeowner's rights]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=221</guid>
		<description><![CDATA[To navigate past a foreclosure  successfully by choosing the right option to save a home, a homeowner must first understand the process.  As with everything else in life, the more educated you are about a subject, the better chance you have to make the right choice.  The foreclosure process is a complicated matter that [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Worksheets, Tools &amp; Guides</title>
		<link>http://preventingforeclosure.org/2008/11/foreclosure-prevention-loan-modification-worksheets-guides/</link>
		<comments>http://preventingforeclosure.org/2008/11/foreclosure-prevention-loan-modification-worksheets-guides/#comments</comments>
		<pubDate>Mon, 17 Nov 2008 03:10:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[worksheets]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=202</guid>
		<description><![CDATA[These worksheets, guides and sample documentation can assist homeowners with evaluating and in budgeting their personal finances, weighing their options and ultimately with finding a solution to their home ownership challenges, up to and including preventing a foreclosure.

Foreclosure Prevention Checklist  : A step-by-step process to prepare for and fight to save your home from [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Foreclosure Laws by State</title>
		<link>http://preventingforeclosure.org/2008/11/foreclosure-laws-by-state/</link>
		<comments>http://preventingforeclosure.org/2008/11/foreclosure-laws-by-state/#comments</comments>
		<pubDate>Tue, 11 Nov 2008 06:31:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Consequences of Foreclosure]]></category>
		<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=156</guid>
		<description><![CDATA[To better understand the foreclosure process, keep in mind the timeline and foreclosure procedure that is set by law in your state. This chart breaks down the details and gives homeowners facing foreclosure an overview of the foreclosure laws and process by state.
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Homeowner&#8217;s Rights when Facing Collections and Foreclosure</title>
		<link>http://preventingforeclosure.org/2008/11/a-homeowners-rights/</link>
		<comments>http://preventingforeclosure.org/2008/11/a-homeowners-rights/#comments</comments>
		<pubDate>Mon, 03 Nov 2008 08:32:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[homeowner's rights]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=109</guid>
		<description><![CDATA[Restrictions on Collections Activities
It is important for homeowners to understand that they are protected by the law whenever they are facing any type of collection activity, including late or back payments on their mortgage.  The two federal laws that pertain to these situations are the Fair Debt Collection Practices Act and the Fair Credit Reporting [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Options when Facing Foreclosure</title>
		<link>http://preventingforeclosure.org/2008/11/options-when-facing-foreclosure/</link>
		<comments>http://preventingforeclosure.org/2008/11/options-when-facing-foreclosure/#comments</comments>
		<pubDate>Mon, 03 Nov 2008 08:29:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Consequences of Foreclosure]]></category>
		<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[FHASecure]]></category>
		<category><![CDATA[government assistance]]></category>
		<category><![CDATA[government insured]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[HOPE for Homeowners]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=102</guid>
		<description><![CDATA[If you are facing foreclosure, don’t feel that your fate is locked in to losing your home.  There are options which can help you save your home, but you must act quickly as most of them are time sensitive.
The best option for you depends on your specific situation.  For example, a repayment plan may be [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/11/options-when-facing-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What You Should Know About Loan Modifications to Save Your Home</title>
		<link>http://preventingforeclosure.org/2008/10/how-to-modify-a-home-loan/</link>
		<comments>http://preventingforeclosure.org/2008/10/how-to-modify-a-home-loan/#comments</comments>
		<pubDate>Tue, 28 Oct 2008 04:37:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=3</guid>
		<description><![CDATA[A loan modification can help a homeowner permanently change one or more of the terms on the mortgage to make the monthly payments more manageable.  This can include lowering the interest rate, increasing the term of the loan or adding missed payments to the loan balance.
The loan modification process is not easy, involving persistent phone [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/how-to-modify-a-home-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lenders Can Help Struggling Homeowners</title>
		<link>http://preventingforeclosure.org/2008/10/lenders-can-help-struggling-homeowners/</link>
		<comments>http://preventingforeclosure.org/2008/10/lenders-can-help-struggling-homeowners/#comments</comments>
		<pubDate>Mon, 27 Oct 2008 22:23:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=21</guid>
		<description><![CDATA[For homeowners who find themselves struggling or unable to make their mortgage payments, there are several options that mortgage lenders can provide for temporary or long-term relief.  Each lender has specific solutions and not all options may be available, but the following can provide a starting point to a homeowner’s research.
For temporary problems:

Reinstatement: Generally, a [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/lenders-can-help-struggling-homeowners/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware of Foreclosure Rescue Scams</title>
		<link>http://preventingforeclosure.org/2008/10/beware-of-foreclosure-rescue-scams/</link>
		<comments>http://preventingforeclosure.org/2008/10/beware-of-foreclosure-rescue-scams/#comments</comments>
		<pubDate>Mon, 27 Oct 2008 19:57:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=27</guid>
		<description><![CDATA[The unfortunate environment that we are in today where much of the country is facing an avalanche of foreclosures has been a breeding ground for scam artists and less than legitimate foreclosure rescue companies.  The stress and desperation of homeowners who are dealing with foreclosure makes it easy for fraudsters to claim to be able [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/beware-of-foreclosure-rescue-scams/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7-Step HUD Guide to Avoid Foreclosure</title>
		<link>http://preventingforeclosure.org/2008/10/avoid-foreclosure-guide/</link>
		<comments>http://preventingforeclosure.org/2008/10/avoid-foreclosure-guide/#comments</comments>
		<pubDate>Sun, 26 Oct 2008 23:13:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=19</guid>
		<description><![CDATA[HUD’s (U.S. Department of Housing and Urban Development) tips for homeowners who are having problems in making their mortgage payments or are already in default.

Most importantly, don&#8217;t ignore the problem.  Timely attention to the challenges that you are facing will increase the chances of reinstating your home loan.
Contact your lender or a counselor who can [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/avoid-foreclosure-guide/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Not the Best Solution to Avoiding Foreclosure</title>
		<link>http://preventingforeclosure.org/2008/10/bankruptcy-not-best-to-avoiding-foreclosure/</link>
		<comments>http://preventingforeclosure.org/2008/10/bankruptcy-not-best-to-avoiding-foreclosure/#comments</comments>
		<pubDate>Sun, 26 Oct 2008 21:07:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=31</guid>
		<description><![CDATA[Adapted from an Associated Press article by Alan Zibel:
Most people trying to stave off a foreclosure are better off trying to negotiate changes in their loan rather than filing for bankruptcy.
For homeowners who have found themselves struggling to keep up with their mortgage payments after an increase in their rate or a change in their [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/bankruptcy-not-best-to-avoiding-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Implications of Foreclosure</title>
		<link>http://preventingforeclosure.org/2008/10/home-foreclosure-tax-implications/</link>
		<comments>http://preventingforeclosure.org/2008/10/home-foreclosure-tax-implications/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 08:20:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Consequences of Foreclosure]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=29</guid>
		<description><![CDATA[After having your home foreclosed, you may wonder whether there is an IRS tax bill lurking in the aftermath waiting to add more misery to a series of unfortunate events.  The answer is somewhere between yes and no depending on whether the foreclosed home was your primary residence or not.
Foreclosure on a Primary Residence
The Mortgage [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/home-foreclosure-tax-implications/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Comparing HOPE for Homeowners and FHASecure</title>
		<link>http://preventingforeclosure.org/2008/10/compare-hope-for-homeowners-fhasecure/</link>
		<comments>http://preventingforeclosure.org/2008/10/compare-hope-for-homeowners-fhasecure/#comments</comments>
		<pubDate>Tue, 21 Oct 2008 05:52:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHASecure]]></category>
		<category><![CDATA[government assistance]]></category>
		<category><![CDATA[HOPE for Homeowners]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=17</guid>
		<description><![CDATA[HOPE for Homeowners (H4H) is the legislative version of FHASecure, a Federal Housing Administration program, where both are intended to assist homeowners facing foreclosure, or those at risk thereof.  FHASecure, according to HUD data, has only assisted a relatively small amount of homeowners in foreclosure or in default.  In response, Congress created HOPE for Homeowners [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/compare-hope-for-homeowners-fhasecure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HOPE for Homeowners</title>
		<link>http://preventingforeclosure.org/2008/10/hope-for-homeowners/</link>
		<comments>http://preventingforeclosure.org/2008/10/hope-for-homeowners/#comments</comments>
		<pubDate>Mon, 20 Oct 2008 04:36:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[government assistance]]></category>
		<category><![CDATA[government insured]]></category>
		<category><![CDATA[HOPE for Homeowners]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=9</guid>
		<description><![CDATA[The HOPE for Homeowners (H4H) program, effective October 1, 2008 through September 30, 2011, is intended to assist those at risk of default and foreclosure by refinancing a homeowner’s current loan into a new 30-year or 40-year fixed rate loan with lower payments.
The HOPE for Homeowners loan limits cap at $550,400 and generally may not [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/hope-for-homeowners/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="http://www.nw.org/network/foreclosure/h4h_overview_presentation_640-fnl.wmv" length="12972144" type="video/x-ms-wmv" />
		</item>
		<item>
		<title>FHASecure Refinance Options</title>
		<link>http://preventingforeclosure.org/2008/10/fhasecure-refinance-options/</link>
		<comments>http://preventingforeclosure.org/2008/10/fhasecure-refinance-options/#comments</comments>
		<pubDate>Sun, 19 Oct 2008 16:47:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHASecure]]></category>
		<category><![CDATA[government assistance]]></category>
		<category><![CDATA[government insured]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=11</guid>
		<description><![CDATA[FHASecure is an option for homeowners with non-FHA mortgages to refinance into a FHA-insured mortgage providing a 30-year term with a fixed interest rate, no balloon payment and no prepayment penalty.  FHASecure can assist homeowners who have missed up to three monthly mortgage payments over the previous 12 months or who have experienced temporary economic [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/fhasecure-refinance-options/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Loan and Mortgage Servicer, and Bank Contacts</title>
		<link>http://preventingforeclosure.org/2008/10/contact-bank-mortgage-servicer/</link>
		<comments>http://preventingforeclosure.org/2008/10/contact-bank-mortgage-servicer/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 08:06:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Options to Foreclosing]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://preventingforeclosure.org/?p=162</guid>
		<description><![CDATA[Contact phone numbers for most lenders, mortgage companies and loan servicers that would be servicing or &#8220;handling&#8221; a home loan. These are direct numbers to the loss mitigation departments that a homeowner must contact to discuss foreclosure prevention options.



ABN AMRO Mortgage Group
800-783-8900



Accredited Home Lenders
877-211-4599
877-683-4466


AMC Mortgage Services
800-211-6926



American Home Mortgage Corp.
877-304-3100



Ameriquest Mortgage
800-221-6926



AmTrust Bank (fka Ohio Savings Bank)
888-696-4444



Aurara [...]]]></description>
		<wfw:commentRss>http://preventingforeclosure.org/2008/10/contact-bank-mortgage-servicer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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