How to Get Out of Debt With the Get Out of Debt Guy » foreclosures

81,312 Foreclosures in September. More Than Just a Number.

Steve Rhode — Tue, 23 Feb 2010 21:33:28 +0000

Well the September foreclosure figures are out from RealtyTrac. And while we can look at the big, really big number and compare it to foreclosures a year ago that does not give a real understanding of the fear and loss experienced by over 81,000 families that month.

Maybe there is some hope headed down the road for homeowners that will soon be heading into trouble. The FDIC (Federal Deposit Insurance Corporation) is making grunting noises to the Senate Banking Committee and the Treasury Department that a way needs to be found to prevent avoidable foreclosures.

Delinquent mortgages, like credit card defaults, do not have to turn into a financial train wreck if lenders would simply evaluate a consumers situation and modify the credit card balance or mortgage terms to fit within the new circumstances.

RIght now homes are being foreclosed on and many are headed into bankruptcy and neither of those situations needed to come to that end with a little cooperation from lenders.

Shelia Bair, the head of the FDIC recently said that “Loan guarantees could be used as an incentive for servicers to modify loans,” Bair said. “Specifically the government could establish standards for loan modifications and provide guarantees for loans meeting those standards.” That way, she said, “unaffordable loans could be converted into loans that are sustainable over the long term.”

That is good news and I hope that it actually happens.

If You Live In The Real America, Be Patriotic. Go Shopping And Run Up Credit Card Debt.

Steve Rhode — Tue, 09 Feb 2010 23:54:40 +0000

From How to Get Out of Debt

Have you heard the stories that the government wants us to get out and go shopping to stimulate the economy? Remember after 9/11 when President Bush encouraged people to go shopping to get things moving again?

Well I think the patriotic shopping argument may have gone too far now with Discover flying their American flag credit card. (You can see the card here.) Every time you’d pull it out you know you were doing your best to help jump start the economy. And what could me more red, white, and blue than a 0% intro APR?

But at a time that people are being encouraged to go shopping and spend, it is the exact wrong thing for people to do when faced with escalating costs, an uncertain job market and foreclosures in every neighborhood. Don’t believe me about the foreclosures? Take a look at RealtyTrac.

Now if you feel compelled to do your patriotic duty, please be careful. Maybe an American flag cling on your window as you drive by the mall might be a good first step.

What Would Happen if I Got a Mortgage With My Bad Credit Boyfriend? – Shelly

Steve Rhode — Fri, 22 May 2009 16:12:00 +0000

From How to Get Out of Debt

“Dear Steve,

I am thinking of getting a VA Loan. I would be buying the house with my boyfriend. I have great credit (780) but his is low, and has 2 foreclosures. I don’t feel I have enough income to only use mine. I’m tired of renting and have done it my whole life, I’m 35. Any advice you could give would be greatly appreciated.

Would our credit balance each other out? Or would the interest rate be really high because of his bad credit and it wouldn’t matter that mine was good?

Shelly”

Mortgage Lender List of Loss Mitigation Contacts That Can Help You Avoid Foreclosure

Steve Rhode — Sun, 30 Nov 2008 00:46:47 +0000

From How to Get Out of Debt

If you have a mortgage with one of the lenders below you can use the contact information to reach the person at the lender that should be able to direct you to the special terms or programs available to help you avoid foreclosure or to come to a solution regarding your delinquent mortgage.

The contacts should be able to handle Short Sales, Foreclosures, Forebearances, Loan Modifications, Repayments, Deed-in-Lieu of Foreclosure arrangements, etc.

Altegra Credit Co. Loan Services Loss Mitigation Department
(Home Loan Services)
Gary Fedoronko
Gary_Fedoronko@HLS.ML.com
412-918-7552

American Home Mortgage Servicing fka Option One Loss Mitigation Department
Donald Kelly
Donald.Kelly@ahmsi3@oomc.com
904-996-1748

Ameriquest Mortgage Co. Loss Mitigation Department
(Citi Residential Lending)
Tess Hoo
teresa.hoo@citi.com
714-634-2474 ext 38864

BancorpSouth Loss Mitigation Department
Carla Hall
carla.hall@bxs.com
662-620-3644

Bank of America Loss Mitigation Department
Nick Kieser
nicholas.j.kieser@bankofamerica.com
716.635.7112

Cynthia Mech Loss Mitigation Department
cynthia.mech@bankofamerica.com
716-635-2760

Boshwit Bros. Mortgage Co. Loss Mitigation Department
Andrew Boshwit aboswhit@comcast.net
901-272-0100

Chase Manhattan Mortgage Co. Loss Mitigation Department
(Chase Home Finance)
No Certain Person
800-446-8939

Chevy Case Bank / B.F. Saul Mortgage Loss Mitigation Department
Jeff Huston
jrhuston@chevychasebank.net
301-939-4057

Jana Gantt
jmgantt@chevychasebank.net
301-939-4054

Cimarron Mortgage Co. Loss Mitigation Department
Ronnie Greenhagen
ronnieg@ecimarron.com
601-899-1547 (voice)
601-899-1502 (fax)

Citifinancial Mortgage Loss Mitigation Department
Dianne Whatley
dianne.whatley@citigroup.com
972-657-3090

I received the following note but it was not clear if this referred to Citifinancial or Citimortgage.

“We’ve noticed that some of our customers have left comments about us on your site. In addition, we see that you have some contact information that may be outdated. To help Citi customers who are finding they are having trouble meeting their obligations related to their mortgages, we have set up an e-mail address: homeownerhelp@citi.com.

By using this address, our customers will be routed as quickly as possible to the appropriate area for assistance. We will typically respond within 2 business days.

We wanted to let you know. Feel free to share this information on your site, if you feel it will be helpful to your readers.”

Citimortgage Loss Mitigation Department
John Godinet
John.j.godinet@citigroup.com
301-696-5069
301-696-4473 (fax)

Leann Luhn
Leann.luhn@citigroup.com
301-696-4267
301-696-4473 (fax)

Colonial Bank Loss Mitigation Department
Gerald Banks
Gerald_Banks@colonialbank.com
800-222-0661

Countrywide Loss Mitigation Department
Kelly May
kelly_may@countrywide.com
805-577-3011

Bobbi Hook
bobbi_hook@countrywide.com
214-200-2594

Trent Thompson
trent_thompson@countrywide.com
972-498-6206

Gentry LaFon
gentry_lafon@countrywide.com
972-498-6117

Davison State Bank Loss Mitigation Department
Lori Barton
lorib@thestatebank.com
810-714-3940

EMC Mortgage Loss Mitigation Department
Michael Brown
214-626-3689

Kristen Belmonte
Kbelmonte@bear.com
214-626-5488

Fentura Mortgage Loss Mitigation Department
Lori Barton
lorib@thestatebank.com
810-714-3940

1st Trust Bank for Savings Loss Mitigation Department
(Magna Bank)
Robin Terry
robin.terry@magnabank.com
901-309-7999 ext 4413

First Horizon Loss Mitigation Department
Leigh Ann Hammon
Lhammon@firsthorizon.com
214-441-7329

Shantell Williams
shtaylor@firsthorizon.com
214-441-6013

First Tennessee Loss Mitigation Department
Carol Wilkerson
cawilkerson@ftb.com
865-582-4030

Flagstar Bank Loss Mitigation Department
Jerri A. Willis
Jerri.A.Willis@flagstar.com
248-312-6690 (phone)
888-710-8130 (fax)

GMAC Rescap Loss Mitigation Department, Homecomings Financial and GMAC Loss Mitigation Department
For information on our Loss Mitigation Program, please refer to www.gmacmortgage.com, click on the link ‘Help for Homeowners’ to obtain a workout application and instruction.
To inquire about the status of an existing application, please call 1-866-709-4744.

If you have completed a workout application and have all required supporting documents, please fax to 1-866-709-4744 or, 1-800,211-3539.

Litton Mortgage Loss Mitigation Department
Randy Reynolds
rreynolds@litton.c-bass.com
713-966-8985

John Crandall
John.Crandall@littonloan.com
713-561-8211 (phone)
713-793-4304 (fax

Litton Mortgage c/o Prommis Solutions Loss Mitigation Department
Brad Norwood
Bradly.Norwood@Prommis.com
770-643-7288 Tel.
1-866-480-4949 Fax

MB Financial Bank Loss Mitigation Department
Nannette Makarzyk
Nmakarzyk@mbfinancial.com
847-653-2840 (phone)
847-653-0099 (fax)

M & T Bank Loss Mitigation Department
Judith Palmer
JPalmer@mandtbank.com
716-635-4008 Tel.
716-635-4070 Fax

National City Mortgage Loss Mitigation Department
1-800-367-9305
Ext. 57153

Ocwen Loss Mitigation Department
Cindy White
cindy.white@ocwen.com
404-737-5544

PHH Mortgage Loss Mitigation Department
800-750-2518
MBSLMReferrals@mortgagefamily.com

Real Time Resolutions Loss Mitigation Department
Angela Jump
Angela_Jump@rtresolutions.com
214-599-6376 direct
877-469-7325 ext 6376
214-599-6388 Fax

Resurgent Capital Services Loss Mitigation Department
General Contacts
Jessica Gullick
jgullick@resurgent.com
864-248-8664

Escalated Contacts:
Sherrie Emerson
semerson@resurgent.com
800-365-7107 ext 8615

Karen Gearhart
kgearhart@resurgent.com
800-365-7107 ext 8355

Michael Keaton
mkeaton@resurgent.com
800-365-7107 ext 8756

SunTrust Mortgage, Inc. Loss Mitigation Department
Ann Oley
ann.oley@suntrust.com
804-291-0843

Select Portfolio Servicing Loss Mitigation Department
Joann Goldman
joann.goldman@spservicing.com
801-594-6338

The State Bank Loss Mitigation Department
Lori Barton
lorib@thestatebank.com
810-714-3940

Washington Mutual Home Loans Loss Mitigation Department
David Whitman
904-886-6113

Julie A. Mathis
904-886-1305

Chrissy Lopez
904-886-1313

Shalonda C. Anderson
shalonda.anderson@wamu.net
904-462-2237

Wells Fargo Financial Loss Mitigation Department
Pam Gross
Pam.Gross@wellsfargo.com

Wells Fargo Financial Bank Loss Mitigation Department
515-331-9130 or 866-533-2108

Wells Fargo Home Mortgage Loss Mitigation Department
Kimber Dehning
Kimber.Dehning@wellsfargo.com
815-577-9008

Wilshire Credit Corporation Loss Mitigation Department
Jodi Seits
jodi_seits@wcc.ml.com
503-223-5600

Tricia Patterson
tricia_patterson@wcc.ml.com
503-223-5600

Bankruptcy Judges Should Have the Power to Modify Mortgages

Steve Rhode — Sat, 29 Nov 2008 21:40:25 +0000

From How to Get Out of Debt

The sagging home values are drawing attention to a gaping hole in bankruptcy protection, the ability for U.S. bankruptcy judges to be able to modify the terms of a mortgage to keep people in their homes that want to pay.

A couple of recent article really caught my eye, “Delahunt: Empower judges to modify mortgages” and “A Win-Win Bankruptcy Reform“.

Bankruptcy judges have the power to change the term of loans for vacation retreats, business and car loans, but no authority to keep you in your home. Silly.

Homeowners facing trouble today or headed to foreclosure will often file bankruptcy to stop the foreclosure on their home. But that won’t save the home if you can’t afford the mortgage.

Under existing law, bankruptcy courts cannot modify the terms of home mortgages. To keep her home, this debtor needed to demonstrate sufficient income not only to make her ongoing payments at 14 percent but also to cover, during her five-year repayment plan, the payments she had defaulted on. Her proposed plan was clearly not feasible based on her salary, so I had no choice but to lift the stay and allow the foreclosure to continue.

However, homeowners could easily be allowed to remain in their homes if the loans were modified either in length or to return the interest rates charged back to a fair and reasonable amount.

When mass foreclosures occur, as they are now, nobody wins. The homeowner, banks and investors win if they can keep the proud and emotionally attached homeowner in the property, making payments, and properly caring for the home. This allows neighborhoods to flourish that would otherwise have vacant and unkempt bank REO homes just sitting there.

If we can’t give bankruptcy judges the authority to modify these loans in specific situations and under specific guidance then who can we trust to do the right thing, lenders?

This gap in bankruptcy authority seems to be perpetuated because the mortgage industry feels it would be detrimental to the mortgage industry but I have to agree with Judge Leonard when he writes:

No one has been able to explain to me why it is not better for mortgage holders to get a fair return of principal back, albeit at a lower interest rate, than to take a lump sum through foreclosure that is probably much less than the value of the note.

It does not make sense.

Not allowing bankruptcy judges to have authority to modify mortgage terms only tosses people out on the street. People who will eventually get new mortgages when the economy improves.

It seems that the costs passed on to us, the consumers are not because mortgage defaults, but because logic does not prevail.

Worth Reading – New Tack in Default Battle: Cutting Mortgage Principal

Steve Rhode — Thu, 20 Nov 2008 15:02:47 +0000

From How to Get Out of Debt

Reducing the principal on mortgages is “a last resort,” says Paul Koches, executive vice president at Ocwen Financial Corp., a West Palm Beach, Fla., loan servicer that has shrunk the amount owed on 10,884 delinquent mortgages as of Sept. 30. That is 23% of all the loans modified by Ocwen so far this year.

Ocwen estimates the company’s foreclosures result in an average loss of $122,000, or 59% of the loan amount. The figure has more than doubled since last year, causing Ocwen to look harder at lowering principal payments.

Early trends are encouraging. A recent study by Credit Suisse found that roughly 12% of Ocwen borrowers who had their loan balances reduced in April were at least 60 days past due five months later. In comparison, the default rate on less-aggressive loan modifications was 22% or more.

Read the rest here.

How to Avoid Being Scammed by a Foreclosure Rescue Promise or Plan

Steve Rhode — Tue, 04 Nov 2008 19:35:21 +0000

From How to Get Out of Debt

Foreclosures are increasing nationwide, and so are scams that promise to “rescue” homeowners from foreclosure. What these scams do is take your money, ruin your credit record, and wipe out any equity you have in your home.

Foreclosure con artists take advantage of people who have fallen behind on their mortgages and face foreclosure. Con artists know that people in these situations are vulnerable and likely to be desperate. Potential victims are easy to find: mortgage lenders publish notices before foreclosing on homes. After reading such notices, con artists approach their targets in person, by mail, over the telephone, or by e-mail. They advertise their services on Web sites or publications. They often refer to themselves with titles that sound official, such as “foreclosure consultant” or “mortgage consultant,” and market themselves as a “foreclosure service” or “foreclosure rescue agency.”
Your mortgage lender – or any legitimate financial counselor – can help you find real options to avoid foreclosure. If someone offers to negotiate with your lender and offers to arrange to stop or delay foreclosure for a fee, carefully check his or her credentials, reputation, and experience. To protect yourself, follow the recommendations contained in this Consumer Advisory.

WATCH OUT FOR FORECLOSURE RESCUE SCAMS

Lease-Back or Repurchase Scams – Be very suspicious if someone offers to pay your mortgage and rent your home back to you. This scheme often involves signing the deed to your home over to the con artist. The con artist may promise to sell your home back to you, but this may be very difficult, if not impossible, under the terms of the contract.
Signing over the deed gives the con artist the power to evict you, raise your rent, sell the house, or steal the equity you have in your home. You will still be responsible for your mortgage, so if the con artist stops paying it, your lender would have the right to foreclose on your home, and the foreclosure and any other problems would go on your credit record.
Refinance Fraud – Look out for people posing as mortgage brokers or lenders and offering to refinance your loan so you can afford the payments. Con artists may trick you into signing over the ownership of your home by saying that you are signing documents for a new loan.
Signing over the deed to your home exposes you to the dangers described above. Even if you are a victim of fraud, you could still lose your home.
Bankruptcy Schemes – Several scams attempt to abuse the bankruptcy laws. For example, a con artist may ask you to give a partial interest in your home to one or more persons. Each holder of a partial interest can then file bankruptcy, one after another. The bankruptcy court will issue a “stay” order each time to stop foreclosure temporarily. However, the stay does not excuse you from making payments or from repaying the full amount of your loan. In another kind of scam, a con artist may offer to obtain refinancing or negotiate a payment plan with your lender. If you may make payments to the con artist, he or she may keep the money rather than pay the lender on your behalf. The con artist may even file a bankruptcy case in your name, without your knowledge, as a part of the scam.
Bankruptcy laws provide important protections to consumers. Scams can only temporarily delay foreclosure, and they may keep you from using bankruptcy laws legitimately to address your financial problems. Signing over ownership of your home, or even partial ownership, can result in serious financial harm.

HOW TO PROTECT YOURSELF FROM SCAMS

Know what you are signing. Read and understand every document you sign. If a document is too complex, seek advice from a lawyer or an approved, trusted financial counselor. Never sign documents with blank spaces that can be filled in later. Never sign a document that contains errors or false statements, even if someone promises to correct them later.
Get promises in writing. Oral promises and agreements relating to your home are usually not legally binding. Protect your rights with a written document or contract signed by the person making the promise. Keep copies of all contracts you sign.
Make your mortgage payments directly to your lender or the mortgage servicer. Do not trust anyone else to make mortgage payments for you.
Be very careful about signing over your deed. Foreclosure scams often require you to sign over ownership of your home to a con artist or another third party. Never sign over your deed without getting the advice of your own lawyer, financial advisor, or other independent person that you know you can trust. Understand the terms of the deal you are making. By signing over your deed, you lose your rights to your home and any equity built up in the home.
Report suspicious activity to the Federal Trade Commission and to your state and local consumer protection agencies. Reporting con artists and suspicious schemes helps prevent others from becoming victims.

HOW TO FIND LEGITIMATE HELP FOR YOUR FINANCIAL PROBLEMS

Contact your mortgage lender or mortgage servicer as soon as you think you are unable to make your mortgage payment. Lenders are often in the best position to help, especially if you are current on your loan or not seriously late on your payments. Your mortgage lender or mortgage servicer may be able to identify options to help you bring the loan current or to modify your loan. You can find a listing of HUD sponsored housing counselors here.

Some Interesting Ideas To Try To Bribe You To Spend, Spend, Spend

Steve Rhode — Sat, 01 Nov 2008 04:39:56 +0000

From How to Get Out of Debt

Here are some interesting ideas floated in a recent Washington Post article to encourage consumers to get back to what they are supposed to do best, spend. What do you think about these ideas?

Idea 1

Lower the price of consuming. State governments could suspend sales taxes, with the federal government picking up the tab. The feds, under this plan, would pay states 5 percent of the 2007 consumption amount of their residents.

Idea 2

Homeowners could automatically renegotiate mortgage terms when prices in their area fall more than 20 percent. Lenders must participate. They would have to reduce the face value of the mortgage by the amount houses in the area fall in value, according to an index of prices in the given Zip code.

Idea 3

Government has spent billions of dollars trying to avoid foreclosures but has not managed to encourage home purchases. “There are many, many potential buyers out there, but they are afraid. Therefore it is important that we initiate some programs to bring the demand curve up.”

Idea 4

Encourage growth through consumer spending. By suspending worker Social Security contributions the government would effectively boost employees’ take-home pay and pump billions of dollars each week into the economy. Workers would feel like they had a better handle on their household budgets, helping boost confidence in the economy. Consumers could spend money on products or services but also pay down debt.

In this economy, layaway is in vogue

Steve Rhode — Tue, 28 Oct 2008 02:56:21 +0000

From How to Get Out of Debt

Experts who sounded the death knell for layaway were too quick with the eulogies.

The slumping economy has prodded many merchants for the first time in years to promote this form of installment buying, which dates from the Great Depression. Anecdotal evidence suggests layaway is gaining traction with tapped-out consumers.

Wal-Mart stopped taking layaway orders in 2006, citing an era of easy credit and the headaches of handling the goods. Well, guess what? Consumer credit is getting tighter at a time when rising joblessness, foreclosures and prices make it harder to pay off credit card debt.

“The American consumer didn’t vote to end layaway, only retailers,” said Michael Bilello, vice president of business development for eLayway.com, a three-year-old Tallahassee startup that handles layaway for 1,000 retailers and wants to be the PayPal of a revived industry. “People this year are wising up to their parents’ advice: If you can’t pay in full, try layaway.”

In this economy, layaway is in vogue Tampabay.com, FL - 2 hours ago Consumer credit is getting tighter at a time when rising joblessness, foreclosures and prices make it harder to pay off credit card debt . …

Click Here for Credit Card Debt Help

Source: In this economy, layaway is in vogue

I Couldn’t Help Myself, I Had to Look At The Local Foreclosures

Steve Rhode — Thu, 23 Oct 2008 19:52:14 +0000

From How to Get Out of Debt

I just wrote an article about the really high foreclosure rates as reported by RealtyTrac. That really got me thinking about foreclosures in my area so I went to RealtyTrac to find my local foreclosures, and there were a lot more than even I expected, and the economy around me isn’t bad!

If you want to find a local foreclosure around you just use the RealtyTrac link and either plug in your zip code or your city and state. I think you’ll be as shocked as I was.

I even plugged in 90210 (Beverly Hills) and there were 1,040 either in pre-foreclosure, at auction, or bank owned. The bank owned group was 399 properties alone. These are homes where the bank was the highest bidder at auction and is now sitting and holding this property.

I’m sure there are plenty of foreclosure investors that are just sitting on the fences right now waiting for the real estate market to reach bottom and then snatch up loads of foreclosures.

It is interesting that in a horrible market with more than 80,000 homes a month being sold at auction that it spells opportunity and profit for the foreclosure specialists.

I bet the banks are going to cut some really good foreclosure sales deals to unload all these homes sitting on their books. Besides, some communities are requiring the banks to keep the properties in good shape and keep the lawns mowed. That’s just more expense to the bank for a non-income producing property it is having to hold.

David Writes In “I’m About To Lose My House”

Steve Rhode — Wed, 24 Sep 2008 14:41:09 +0000

From How to Get Out of Debt

David wrote to me at GetOutOfDebt.org and asked me for help with his debt situation. If you have a question, you can ask me for free help and advice also.

“Dear Steve,

I accepted a job in Seattle. My wife and family and home are still in Idaho. My wife is on a fixed income, and we have been hanging on by a thread for the last 6 months. I was just laid off.

Our house payment is killing us. Is there a source for grants for people in tough situations

We have to sell our house but cannot drop the price. Are there sources of grants available.

David”

Dear David,

The only time I have seen any sort of money really available in a situation like this has been for union members, check with your trade union if you belong to one, or for current employees of large companies with support services like the Clara Abbott Foundation, an awesome resource for Abbott employees.

From what you’ve shared it sounds like you have fallen into the headlines on the nightly news and become subject of something much larger than you as an individual.

Your situation is typical with 10,000 foreclosures a day happening as I write this. Those 10,000 homes belong to families just like yours. They belong to people who have found themselves in impossible situations without seemingly any way out.

I would encourage you to contact your mortgage company and explain to them what has happened. Who knows, maybe you’ll be one of the one in ten that actually gets meaningful help from the mortgage company and get your loan modified so that you can actually afford it.

You don’t need to worry about being honest with them about your situation, they will discover soon enough that your ship is sinking fast.

The three most realistic solutions here are:

Increase Income – I know, easier said than done. But use the job bank page I put together. It is a free service that helps you to identify open jobs in any state. Income now will bridge that gap.
Bankruptcy – Bankruptcy won’t make your home payment for you but it will allow you to eliminate your debt and obligations for a home that you simply may not be able to afford right now. Finding a bankruptcy attorney and getting a free bankruptcy review is always a smart thing to do.
Pay Only What You Can Afford On The Mortgage Right Now – I know, you’re probably saying I’m crazy for saying that but read on. If there is not enough money coming in to make a full mortgage payment you can always send in what you can afford to pay. Now that partial payment will put you behind but at least by sending in what you can afford now it will reduce the amount you’ll have to catch up once you get another job.
The partial payment will put you in default and hurt your credit report and credit score but as long as you are open, honest, and not a jerk with your lender then your past due mortgage will begin to flow through the normal process for delinquent mortgages. That will buy you some time to find a new job.

Once you are behind on the mortgage then the lender may be more willing to talk about solutions for your mortgage situation. As long as you are current on your loan, lenders don’t want to tell you what they can do for you, they want you to make the regular loan payment.

With the number of past due mortgages flooding the lenders, yours will just be another in the stack. They will not take your home this month or next month or maybe for many months.

Use that time to make a job of getting a job and spend eight hours a day looking. Try temporary companies, the job board link I gave you or one of the other many places online.

You can keep your spirits up to face the hard task of looking for a job if you draw a line in the sand and agree to evaluate your situation again in say 60 days. Until then, pay what you can really afford, don’t overpay, on the mortgage and hunt, hunt, hunt for that new job with optimism and hope.

While the economic conditions sound dire in the news, the unemployment rate is still relatively low and jobs can be found.

Please come back and let us all know how things turn out.

Big Hug!

@GetOutOfDebtGuy

How to Get Out of Debt With the Get Out of Debt Guy » foreclosures

81,312 Foreclosures in September. More Than Just a Number.

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