I Just Got a Notice of Default on My Mortgage. Here’s What to Do Right Now.
A Notice of Default is not foreclosure yet. Federal law limits when your servicer can act — here is the deadline clock and what actually stops it.
Foreclosure
See my research, posts, and articles on foreclosure, including the process, legal rights, and ways to avoid losing your home. Click the link to learn more!
They Said Transferring My Deed Would Save My House From Foreclosure. It Cost People Their Homes — and They Still Owed the Debt.
Signing your deed over to a foreclosure rescue company doesn’t save your home. It transfers ownership, not the mortgage. You can lose the house and still owe the debt.
My Spouse Died and the Reverse Mortgage Company Is Foreclosing. Here’s What to Do Right Now.
Your spouse died and the reverse mortgage company is threatening foreclosure. Here’s what federal law gives you to fight back — and the exact steps to take right now.
My HOA Is Foreclosing on My Home. Here’s What to Do Right Now.
An HOA can foreclose over a few hundred dollars in dues — in many states without a judge. Here’s how to find out where you stand and how to stop the sale.
I’m Facing Foreclosure. Here’s What to Do Right Now.
Just got a foreclosure notice? Here’s how to stop it — loss mitigation, reinstatement, the appeal window, and the bankruptcy stay that halts a sale instantly.
The FTC Is Mailing $3 Million in Mortgage Relief Refunds — Check If You’re Owed Money (June 2026)
The FTC is refunding $3M to 1,800+ homeowners deceived by a mortgage relief scam. Who’s getting a check, how to cash it, and why real foreclosure help is free.
Debt Plans Fail in Inflation — Here’s What Works
Steve Rhode and Damon Day explain why budgets and payment plans break during inflation, why bankruptcy is less risky than the status quo, and what to do before your options disappear.
Queens Just Had More Foreclosures Than Every Other NYC Borough Combined. Here’s What That Actually Means.
Queens had 167 foreclosures in Q1 2026 — more than Brooklyn, the Bronx, Manhattan, and Staten Island combined. What that number means for every middle-class homeowner.
Select Portfolio Servicing Lawsuits: What Homeowners Need to Know About Their Rights
Select Portfolio Servicing faces multiple lawsuits alleging payment refusals, false credit reporting, illegal foreclosure threats, and improper COVID forbearance demands. Here’s what your rights are under RESPA and FCRA — and how to fight back.
NY Fed: Mortgage Delinquencies Surge 6x in Lower-Income Areas While Wealthy Stay Flat
New York Fed data shows mortgage delinquencies in the lowest-income zip codes surged sixfold from 2021 to 2025, while the wealthiest areas barely moved. The K-shaped economy is real.
