National Prevention Center Cares

Not a Government Agency or Affiliated with a Government Agency

At National Prevention Center, we care about your situation, and know that this may be a difficult and often stressful time for you. While we are not a government agency or affiliated with a government agency, there are a number of tremendous resources which are available to you. We encourage you to check out these informative and helpful resources through this links page:

HUD Guide to Avoiding Foreclosure -http://www.hud.gov/foreclosure/index.cfm

Federal Housing Authority (FHA) www.fha.gov

Internal Revenue Service (IRS) http://www.irs.gov

Association of Independent Consumer Credit Counseling Agencies (AICCCA) http://www.aiccca.org/

U.S. Bankruptcy Courts - http://www.uscourts.gov/bankruptcycourts.html

Mortgage Bankers Association http://www.mortgagebankers.org/default.htm

TERMS AND CONDITIONS OF USE

THE PURPOSE OF THIS NATIONAL PREVENTION CENTER WEBSITE IS TO ALLOW YOU TO GAIN ACCESS TO ITS AFFILIATES, WHO ARE PARTICIPANTS IN A NETWORK OF INDEPENDENT REAL ESTATE PROFESSIONALS, BROKERS, POTENTIAL HOME BUYERS, INVESTORS AND

OTHERS PROVIDING REAL ESTATE SERVICES THAT MAY INCLUDE FORECLOSURE ADVICE IN COMPLIANCE WITH LAWS IN YOUR AREA. DECISIONS, INCLUDING, WITHOUT LIMITATION, MATTERS CONCERNING THE FINANCING, FORECLOSURE AND/OR SALE OF REAL ESTATE, ARE SERIOUS MATTERS THAT SHOULD NOT BE TAKEN LIGHTLY. MATERIAL CONTAINED ON THIS WEBSITE IS OFFERED AS INFORMATION ONLY AND DOES NOT CONSTITUTE REAL ESTATE, FINANCIAL, ACCOUNTING, LEGAL OR OTHER PROFESSIONAL ADVICE.

NATIONAL PREVENTION CENTER IS NOT CHARGING FEES OR GETTING COMPENSATED FOR ADVICE OR CONSULTATION RELATED TO FORECLOSURE, BY VISITORS OF THIS WEBSITE NOR AFFILIATES IN ANY COUNTIES

PLEASE ALSO UNDERSTAND THAT NOTWITHSTANDING ANY AND ALL ADVICE OR SERVICES THAT MAY BE RENDERED TO YOU BY OR AS A CONSEQUENCE OF YOUR USE OF THIS WEBSITE, IT IS POSSIBLE THAT YOU MAY STILL NOT BE ABLE TO AVOID FORECLOSURE OR THE LOSS OF YOUR PROPERTY.

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NATIONAL PREVENTION CENTER WEBSITE IS NOT A GOVERNMENT WEBSITE AND IT IS NOT AFFILIATED WITH ANY GOVERNMENTAL AGENCY. THE SOLE PURPOSE OF THIS WEBSITE IS TO REFER YOU TO REAL ESTATE PROFESSIONALS IN YOUR AREA. NATIONAL PREVENTION CENTER CANNOT AND IS NOT MAKING ANY CLAIMS CONCERNING THE QUALIFICATIONS, COMPETENCY, BACKGROUND, HONESTY, INTEGRITY OR EXPERIENCE OF ANY AFFILIATES REFERRED BY OR THROUGH THIS WEBSITE.

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NOTHING CONTAINED ON THIS WEBSITE SHALL BE CONSIDERED AS OR DEEMED TO BE AN OFFER TO PURCHASE REAL PROPERTY; TO PURCHASE SECURITIES, TO STOP OR POSTPONE A FORECLOSURE SALE; TO OBTAIN ANY FORBEARANCE FROM ANY BENEFICIARY OR MORTGAGEE; TOASSIST ANY OWNER TO EXERCISE ANY RIGHT OF REINSTATEMENT; TO OBTAIN ANY EXTENSION OF ANY PERIOD WITHIN WHICH AN OWNER MIGHT LEGALLY REINSTATE HIS OR HER OBLIGATION; TO OBTAIN ANY WAIVER OF AN ACCELERATION CLAUSE CONTAINED IN ANY PROMISSORY NOTE OR CONTRACT SECURED BY A DEED OF TRUST OR MORTGAGE ON A

RESIDENCE IN FORECLOSURE OR CONTAINED IN ANY SUCH DEED OF TRUST OR MORTGAGE; TO ASSIST A HOMEOWNER TO OBTAIN A LOAN OR ADVANCE OF FUNDS; TO AVOID OR AMELIORATE THE IMPAIRMENT OF AN OWNER'S CREDIT RESULTING FROM THE RECORDING OF A NOTICE OF DEFAULT OR THE CONDUCT OF A FORECLOSURE SALE; OR TO SAVE AN OWNER'S RESIDENCE FROM FORECLOSURE. ANY PERSON WHO USES OR REFERS TO THE INFORMATION, PRODUCTS OR SERVICES REFERRED TO HEREIN EXPRESSLY ACKNOWLEDGES AND AGREES THAT SAID USE IS SUBJECT TO AND IN COMPLIANCE WITH THE FOREGOING DISCLAIMER.

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THERE IS FEDERAL, STATE, AND PRIVATE NONPROFIT AGENCIES YOU MAY CONTACT FOR HELPFUL INFORMATION ABOUT THE FORECLOSURE PROCESS. FOR INSTANCE, YOU CAN CONTACT YOUR LENDER DIRECTLY, OR YOU MAY CALL THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HOUSING COUNSELING TO FIND A HOUSING COUNSELING AGENCY CERTIFIED BY THE DEPARTMENT WHO ASSISTS IN AVOIDING FORECLOSURE, OR VISIT THE DEPARTMENT'S TIPS FOR AVOIDING FORECLOSURE WEBSITE AT HTTP://WWW.HUD.GOV/FORECLOSURE FOR ADDITIONAL ASSISTANCE.

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PRIVACY POLICY

Your privacy is very important to us!

National Prevention Center does not ask for information other than your contact information. We only have access to and collect information that you voluntarily give us via this website. We make every reasonable effort to ensure that all information you submit to us remains confidential and private and is used only for the purposes as stated. NATIONAL PREVENTION CENTER IS NOT AFFILIATED WITH ANY GOVERNMENT AGENCY. All the information you provide to us on this website is directly transferred to our affiliate who covers your area, and to no one else. Your privacy is of the utmost importance to us. We will not share, sell, rent or otherwise distribute or disseminate your information to any individual, company or third party organization. Nor will your information be shared by us with any government entity.

Unless you ask us in writing not to, we may contact you via email in the future to notify you about information of interest to you regarding real estate and the foreclosure process. You may opt out of any future contacts from us at any time by clicking on the unsubscribe link provided in the e-mail.

MINORS UNDER THE AGE OF 18 ARE NOT ELIGIBLE TO USE OUR SERVICES AND WE REQUIRE THAT MINORS NOT SUBMIT ANY PERSONAL INFORMATION TO US. IF YOU ARE A MINOR, YOU CAN USE THIS SERVICE ONLY IN CONJUNCTION WITH YOUR PARENTS OR GUARDIANS DIRECT PARTICIPATION AND SUPERVISION.

IF YOU CHOOSE TO VISIT, ACT UPON OR USE INFORMATION/CONTACTS PROVIDED BY THIS WEBSITE, ANY DISPUTE ABOUT THE USE OF YOUR

PERSONAL INFORMATION WILL BE GOVERNED BY THIS PRIVACY NOTICE AND BY OUR CONDITIONS AND TERMS OF USE

BY VISITING THIS NATIONAL PREVENTION CENTER WEBSITE, YOU ARE SUBJECT TO AND MUST ACCEPT THIS PRIVACY POLICY, WHICH MAY BE UPDATED BY US FROM TIME TO TIME WITHOUT NOTICE TO YOU. YOU CAN REVIEW THE MOST CURRENT VERSION AT ANY TIME AT THIS WEBSITE. PLEASE ALSO REVIEW OUR CONDITIONS AND TERMS OF USE, WHICH ALSO GOVERNS YOUR VISIT TO NATIONAL PREVENTION CENTER WEBSITE, TO FULLY UNDERSTAND OUR PRACTICES.

THIS PRIVACY POLICY, READ TOGETHER WITH THE TERMS OF USE ABOVE, CONSTITUTES THE ENTIRE AGREEMENT BETWEEN NATIONAL PREVENTION CENTER AND YOU.

National Prevention Center How to Avoid Common Mistakes

One of the biggest mistakes that homeowners make when faced with a foreclosure situation is that they wait too long! In fact, they decide not to decide. By that we mean that often times, fear, anxiety, and a whole host of other emotions often prevent people from taking any action at all. We designed this page to help you understand that there are some common mistakes we have seen others make when they found themselves in this situation. Use this page and suggestions below so that you can avoid these same mistakes:

Mistake #1: Thinking my Friends and Family will give me the best advice because they care about me The truth of the matter is our friends and family do care, and because of that fact, they can often not give you the best advice because they are not dispassionate, nor are they often qualified to know all of your options. You need learn about your situation elsewhere. Finding a qualified real estate attorney in your area would be a good start. Also, enter your email and use this website to get more information about foreclosure, and learn about your options. Here you will find the contact information for a local National Prevention Center affiliate in your area that could recommend a local attorney, point you in the right direction, or many times provide the solution themselves and stop foreclosure within days.

Mistake #2: Thinking my existing lender will help me with a refinance in time How many stories have we all heard about the couple with a home that went into foreclosure with the bank still reviewing the documents for a decision ?? Often lenders lure in unsuspecting homeowners

with a promise that your payment will go down, only to get to the closing table and find that you didnt have sufficient documentation to qualify for that lower rate program, and now your loan and payment have both gone up, or worse you cant qualify at all and you have lost all that time. The only way to avoid losing precious time is to know your options, therefore review the Consumer Awareness Report offered on this website and follow the advice provided therein.

Mistake #3: Hoping the lender will forgive the back payments on the loan The truth is that lenders will often enter into a forbearance agreement with the homeowner, but that agreement does not forgive back payments or lower the monthly payment, in fact it increases it. You may be required to make up those back payments over a short period of time, say 6 months or a year. Can you handle the increased payment? Are there any other options to stop foreclosure? We suggest you consult the free Consumer Awareness Report offered on this site, and dont let the banks have all the control. Talk to someone who can guide you through the maze consultation with a National Prevention Center affiliate is free of charge and there are no obligations on your part.

Mistake #4: Thinking that listing the home is a guaranteed sale Realtors do sell the majority of properties in the market. While you may know of someone who listed with a realtor and they sold in a short time, the reality of the market today is that no one can guarantee the day they can close or if the buyer they find can even qualify for a loan. How many of us personally know someone who has thought they had the hold sold through a realtor only to find out that the deal fell out of escrow maybe even more than once. Not even the best realtor can guarantee you when the home will sell, and remember, time is working against you. In many situations, homeowners in foreclosure opt for the sale to a professional company and avoid all the waiting and risk of a conventional sale. Many of the National Prevention Center affiliates are companies in business of property acquisitions and homebuying. To contact the professional listed for your county, go to the first page of this website, select your state and your county, and the affiliates contact information will be displayed on the second page. From there you can either call them, or submit an online request for a free confidential consultation. This is the best step towards understanding your situation and your options.

Mistake #5: Thinking your credit is ruined While clearly a notice of default (or Lis Pendens) is not a plus for a persons credit rating, the fact is, that there is still time to act before years of damage takes place. The foreclosure stays on your record for many years, and can impact future borrowing, employment, insurance rates, etc. Remember, being late on 5, or even 10 mortgage payments is much less detrimental to your credit than losing the house to foreclosure. You should prevent that from happening by all means. Speak to your local affiliate and let them walk you through the options that may be available to you.

Mistake #6: Thinking that all investors provide the same services and solutions Thats like saying all doctors give the same medical care or all homebuilders build the same quality building, you know that just isnt the case. While an investor may be the way to go, there are a tremendous number of people who typed the word investor on a business card, and that is their only qualification to help you. Dont let your future rest in the hands of someone who does not understand the foreclosure process, let alone point out your real options.

Mistake #7: Thinking that its too late Until the minute of the sale, the fact is that you may have more options than you think. Dont let this thought keep you from reaching out to a caring person who will give you the real picture of your situation. Contact your attorney, your accountant, or get in touch with a local affiliate in your area listed on this website.

Mistake #8: Thinking that giving up is the best choice Dont make the mistake far too many have chosen for themselves and their families. Giving up on your home and your family is something that should not be considered except as a very last resort. If you havent taken the chance to speak to a local affiliate, do it now while you still have time to see what other options are at your disposal.

NOTE: Your local National Prevention Center affiliate is either listed on the page you are currently on, or you can find them by selecting the state and the county on the first page of this website.

Nothing is worse, than doing nothing! Dont delay Act TODAY!

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Thank you for submitting NO-RISK ANALYSIS FORM! You will be contacted by your local affiliate within the next 36 hours. If you would prefer to be on our URGENT priority list, please call now:

California Prevention Center Richard J. Murphy Partnered with O'Bien Financial Services Inc. 530-289-6565 ~ 209-553-8595 707-502-2559 * your Consumer Awareness Report has been emailed to you! (check your Inbox and Spam folders) Read Consumer Awareness Report Urgent Consultation Request Discover 7 Proven Tactics to STOP FORECLOSURE, Save $1000s and Preserve YOUR Credit Rating! We were let down so many times by different real estate companies, so we were skeptical. The National Prevention Center affiliate came in the next day and before the week ended, they created a solution and stopped the foreclosure! Thank you for taking the stress away! Stephen & Pam M. Special Consumer Awareness Report AN URGENT MESSAGE FOR THE HOMEOWNER FACING FORECLOSURE: If you or someone you know has missed one or more home payments and you are facing the possibility of foreclosure, then you must read this urgent report immediately The National Prevention Center wants you to have the information you need to make an informed decision about your options when faced with this situation. In this Special Consumer Awareness Report you will learn that you do have options, often more options than you knew existed to STOP FORECLOSURE, saving $1000s and there are even options that may allow you to preserve YOUR credit rating. You can get further guidance by contacting the National Prevention Center affiliate for your county. NPC Affiliate for Sacramento County in California is: Richard J. Murphy Partnered with O'Bien Financial Services Inc. California Prevention Center 530-289-6565 ~ 209-553-8595 707-502-2559

The most important concept for you to understand is that all of these tactics are TIME SENSITIVE; meaning that immediate action on your part is the very best way to ensure that you have the greatest number of options available to you and your family. If the above records provide the phone number, we advise you to call the above mentioned affiliate right away in order to avoid the financial ramifications of foreclosure. Or click here to submit your information online for confidential review free of charge. While there are several legitimate reasons that people find themselves in this situation, the fact of the matter is that this is not a time for putting the letter in the kitchen drawer and hoping things will get better. Without your IMMEDIATE and PERSONAL INVOLVMENT in pursuing the options outlined in this Report, you could be putting your familys security and your ability to borrow in the future at risk. The time to take ACTION is NOW! So, lets review this report right now, so you can take the necessary steps TODAY! Remember a person with knowledge and experience is never at the mercy of a person with conjecture and theory ~Anonymous The National Prevention Center wants you to have the RIGHT KNOWLEDGE, so you can be armed for solution! The National Prevention Center affiliates have helped thousands of good people like you put the pain and trouble of foreclosure behind them, and move forward with their lives, and they can do it for you too! Contact our National Prevention trained affiliate listed above to discuss all of your options today. The 7 Proven Tactics to STOP FORECLOSURE. TACTIC #1: SELL YOUR HOME The BEST way to STOP FORECLOSURE. Selling your home is the very best way to cure a pending foreclosure regardless if you have a lot of equity or you have NO equity in the property. If you have equity, than selling is the best way to get CASH for the equity that you have before the bank gets their hands on it. If you have NO equity, or even if you owe more than the home is worth, selling your property in conjunction with getting a Short Sale approval might be the best strategy to avoid foreclosure.

NOTE: Many of our National Prevention affiliate companies are well funded and can purchase your property quickly before the foreclosure sale, and many specialize in Short Sales as well, and can facilitate that process if contacted in time. There are two ways to sell your home if you are interested in a quick sale. The first involves selling the home through a qualified realtor; the other involves you selling your home yourself, or whats known as By Owner. Lets spend a little time discussing both options. In the first option, you would engage the services of a qualified realtor who specializes in listing homes. Either through a personal contact, or recommendation of a friend or family affiliate, you will likely be able to find one or more realtors to choose from. Make sure that you are asking these realtors to show you their marketing plan before engaging them, as this will tell you if they are a professional at what they do. Often, because of circumstances beyond their control, working with even the best realtor may take 30, 60, 90 or even 120 days or more to find a buyer, and then you begin the tedious process of waiting for the buyer to get qualified for the mortgage and pray that deal doesnt fall through if they dont have perfect credit. It is not unheard of in this economy of hearing that a home falls out of escrow 2 or 3 times before a qualified buyer can be found. Then the process starts all over again. BEWARE: Often realtor will try to get you to sign 6 month or longer listing agreements and promise to have a buyer in 30 days, even though they cannot rightfully make such a promise. Once the 30 days has passed, they often tell you that you need to drop your price, remind you the market is slow, and give you a whole bunch of other reasons to stay listed with them, while your potential buyers are buying someone elses home. Remember, no one can predict the future, and your realtor cannot either. Many homeowners facing foreclosure have found they simply do not have the time to wait to work with a realtor. The second option is to market your home for sale By Owner. The key to every successful home sale is getting your home noticed by enough potential buyers. This means advertising! Additionally, there is the concern of showing the house to potential buyers. This means that the home will always have to be in visitor ready condition, should you get that last minute call that an interested buyer is in the area. Not to mention that often times, buyers want to see homes when its not convenient for you, meaning that you will have to have someone available at all times and especially on weekends when most buyers want to look. Once you have shown the home to a number of buyers, some even 2 and 3 times as they bring back other family and friends, you must begin the inspection and negotiation process, where they are likely to want detailed home inspections, electrical and plumbing surveys, roof certifications and the like. While this may sound like a simple process, if these inspections find anything of concern, you can bet your buyers will want a big discount and for you to repair the problem before they will agree to go forward with the transaction, and this doesnt guarantee they will close the purchase.

Overall, selling is an excellent option to STOP FORECLOSURE. If you have any questions and want to speak to someone who can help you navigate the various options you have available, please contact the National Prevention Center affiliate listed above for a free confidential consultation. Many of National Prevention Center affiliate companies are well funded to purchase your property within days, if contacted in time. So, if selling is of your interest, please call them today. TACTIC #2: REFINANCE Taking out a loan to STOP FORECLOSURE. Another option that most homeowners do not know is available to them is to refinance their existing loan with another lender, or to take out a home equity line of credit to make up the back payments owed to the bank. Important to remember with this option is that not all lending institutions and brokers are honest, and many of them will try to take advantage of your situation charging you high junk fees and prolonging the lending process so you owe more and they make a bigger commission. While the cost of refinancing can be very costly, it can even be more costly if the mortgage broker you are dealing with cannot complete the loan! Thats right, often mortgage brokers ask for money to start the loan process or for an application fee, and its very possible you wont get your money back, or the loan completed. Whats worse, is if your mortgage broker does not complete the loan, you will find yourself just that much more behind on payments and with that much less time to find a real solution to the problem. Another concern many home owners find themselves faced with in todays economy, is that there is not enough equity for them to qualify for a loan, or they already have 2 loans on the property and dont have good enough credit to refinance. Your local National Prevention Center affiliate is familiar with helping homeowners in each of these situations and they are right in your area. Call today so you can speak to someone with the knowledge to help you work through your options. Be sure to contact your National Prevention Center affiliate to discuss these options TODAY! Remember, the consultation is free and there is no obligations. TACTIC #3: FAMILY / FRIENDS Getting help from those who care about you is the quickest and easiest way to STOP FORECLOSURE. Borrowing from family and/or friends is without a doubt the very fastest and easiest way to STOP FORECLOSURE. Often times however, the person in need is reluctant to contact one of these caring individuals for fear of what they will think when they find out you are in a tight situation. So you have decided to approach family and friends what do you do now?

Discreetly contact your family and friends, starting with those closest to you. Arrange to have a cup of coffee with them and explain your situation to them. The more complete your disclosure, the better they will be at seeing if they are in a position to help or not. If not, they can possibly help you brainstorm on some financing sources that you had not even thought of. You will want to assure your family / friend of your intent to pay them back in full, with interest if necessary, so that they can see your commitment to doing the right thing. Be specific about what you are willing to offer them. Often times, the challenge with family and friends is that they judge you because of the situation that you are in. Many times, they will use the situation as something they can hold over your head related to something in the past that didnt go their way. While family and friends can be the easiest source of finding money to pay back late payments, its can be better not to let money get in the way of a relationship. Dont forget that youve got something working against you that no amount of effort can bring back: TIME. If you think your family or friends might react in this manner they this is not the option for you. The longer you wait to see if things will work out, the greater the chance you will be left with FEW or NO options at all. Dont wait until the sheriff is literally pounding on your door to throw you and your family on the street. Dont watch a bad situation turn into a public humiliation you (and your family) will never forget. IF YOU TAKE ACTION NOW, THERES AN EXCELLENT CHANCE OUR AFFILIATES CAN HELP YOU. Its just that simple. Make one simple decision to take action, and one of our affiliates can help you find the smartest solution for your particular situation. TACTIC #4: LOAN MODIFICATION / FORBEARANCE Work out an agreement with the bank to STOP FORECLOSURE. When borrowing from family and/or friends is not an option, working out a loan modification or forbearance agreement with the bank may be possible. A loan modification is when the lender agrees to modify the interest rate of the loan and re-amortizes the back amount due along with the unpaid loan balance to come up with a new payment that works for the borrower. Loan modifications are being offered by everyone these days and homeowners need to beware of SCAM artists promising to help you with a loan modification only to take and upfront fees and not delivering. While there are legitimate companies offering to help, the fees often range from several hundred to a few thousand dollars, and yet there is no promise of delivery. Furthermore, see this new statistic just out

More than half of the mortgages modified in the first quarter were already more than 30 days delinquent by the third quarter, according to John Dugan, head of the Treasury Departments Office of the Comptroller of the Currency (OCC). As Cited in Mortgage Lender Magazine(online version), Dec. 9, 2008 Statistics show that approximately 85% of homeowners in Foreclosure do NOT make even the second payment with a forbearance plan. A forbearance agreement is when the lender agrees to split the amount of back payments over an agreed upon period of time, 3 months, 6 months, 1 year, allowing the homeowner to catch up the payments. The problem for most homeowners is that if they cant afford the current payment, its unlikely that they can afford the current payment PLUS the forbearance amount for the next 3, 6, 9 months or whatever is agreed. Its often a recipe for disaster. And the worst part is that if you miss a payment then the foreclosure picks right back up from where it left off! Dont let the lenders get the upper hand! Talk confidentially to one of The National Prevention Center affiliates right in your area NOW, to discuss your options. TACTIC #5: Borrow Against 401K / Cash Surrender Value or sell Other Assets to pay the back amounts due before they FORECLOSE. Another tactic used by homeowners to STOP FORECLOSURE is the borrow against their 401K / Cash Surrender Value of any Life Insurance they may have, or to sell other valuables that they have to repay the back payments due to the bank. Many people find that they have either already depleted their 401K in an attempt to save the property or arent willing to risk the 401K which was being saved for the kids education, not to mention the 10% penalty and taxes you have to pay for early withdrawal. Remember, that loans from 401Ks or Cash Surrender Value seldom get done in a timely basis and both have fees and penaltys if not repaid exactly as agreed. As for selling other assets, while they may sentimental, historical or marketable value, you often get far less than they are truly worth, and seldom have the chance to buy them back. Now is not the time to sell your mothers wedding ring. The National Prevention Center affiliates understand these pressures and are trained to walk you through the process of deciding the approach thats best for you! Dont wait another minute, click on Contact Now button to take a better way! TACTIC #6: DEED-IN-LIEU OF FORECLOSURE Voluntarily giving the property back to the bank before they FORECLOSE.

A Deed-in-lieu is a process in which the borrower failing to satisfy the loan obligation hands over his property to the lender. The lender may then sell the property in order to retrieve a part or whole of the amount borrowed from the sale proceeds. In other words this is a Voluntary Foreclosure. The problem with this is that the bank must agree to the exchange. Today it can be difficult to do so, especially if you have any equity at all, because the bank does not want you to walk away from a debt, if they can hold out and get more. Also, you will be required to prove in many cases, that you have fully exhausted your chances of getting the money to repay from other sources. Finally, if the bank does agree, guess what, you just saved them thousands of dollars in court costs, and it still goes on your credit report for all to see! Additionally, lenders may often realize more income by allowing the home to go to foreclosure instead of accepting a deed, especially when there are other liens involved and some equity in the property. Dont take your chances hoping the bank will work with you and accept a deed-in-lieu of foreclosure, know your options by speaking to a National Prevention Center affiliate in your area TODAY! TACTIC #7: BANKRUPTCY Filing Chapter 7 or Chapter 13 to STOP FORECLOSURE. Maybe youre already thinking that the smartest thing you could do is to file bankruptcy and delay the bank of their right to get the property. Bankruptcy could be a valuable option in some cases, however you need to remember that bankruptcy will NOT remove your financial obligation towards your lender and it will add more cost in the process. WARNING: Be careful here many of the bankruptcy laws have changed in recent months and years and filing incorrectly, or without proper guidance could be even more costly. Check out the latest information on US Bankruptcy Law at the following website: http://www.uscourts.gov/bankruptcycourts.html Bankruptcy filing may be tricky and will definitely cost between $750 - $2500 or more depending on who you have assisting you with the process. According to the Unites States Department of Justice, bankruptcy filings have grown overall from about 110,000 in 1960, to over 1.6 million in 2003 and what do you think the credit crisis has done to those numbers since then And remember this if the word Bankruptcy has ever been discussed with the lender, you can forget about the possibility of a Deed-in-Lieu of Foreclosure. WHAT NOW ????

Thank you for taking the time to read this valuable report. This is your first step to finding the best solution for your situation. We encourage you to take the NEXT step of scheduling a free consultation with one of our highly trained and knowledgeable National Prevention Center affiliates. Its time for you to decide if you truly want to take control of your own destinyor be at the mercy of somebody elses decisions for your life. There simply isnt any one size fits all fix for every Foreclosure situation. Thats why its very important for you to speak to one of your local affiliates to schedule a free nocost or obligation evaluation TODAY! - DONT DELAY! Click on the button below to get contact information for the local Prevention Center affiliate, and CALL NOW! Its time for you to decide if you want to make it easier on yourself and have one of our affiliates advise you on the best solution for you or you take no action and things become much harder for you. It is your choice, make the right one! Click Here Now to Contact Your Local National Prevention Center Affiliate! Your Past Does Not Have To Equal Your Future. Do you remember a time when you had control of your finances? A time when you werent being harassed by bill collectors and you actually had some money for recreation and fun? Our affiliates can bring you back to that time. Our National Prevention Center affiliates can help you get out from under the burden of your debt and your home often in a matter of days. Remember these final words: You may delay, but time will not. ~Benjamin Franklin The National Prevention Center Exclusive Affiliate for your area is listed below: State of California County: Sacramento County Company: California Prevention Center Your Contact: Richard J. Murphy, Partnered with, O'Bien Financial Services Inc. Call Office at: 530-289-6565 ~ 209-553-8595, 707-502-2559 Office Fax: 206-600-5179 Membership Status: Excellent Confidential and No Risk Consultation Request In order to provide you with a rapid advice and help you understand of all of your options on how you can STOP FORECLOSURE on your home, please fill out this short,

confidential application. By making this information available to us, we will be better prepared for your phone consultation. If you prefer, you can always call and provide your information over the phone. All of the information is not required but the more details you provide, the more options our member can give you! Our goal is to match your situation with a program that suits your needs in the best possible way, even before our first conversation. Your local affiliate understands that time is of the essence in your particular situation. Fields marked with a red asterisk ( * ) are required. If you are unable to answer a required question, give us your best guess or enter "NA", "0", "don't know", etc. Contact Information: First Name(s): Last Name(s): Home Phone: Best Time To Call Home: Work Phone: Best Time To Call Work: Cell Pager: Email Address: Please tell us how you heard about National Prevention Center: Foreclosure Information: Have you received foreclosure notice: Has Foreclosure date been set: If so what is the Sale/Auction date (enter approximate if dont know) Enter approx. balance left on the 1st loan:$ Enter approx. monthly payment: $ Enter approx. balance left on the 2nd loan: $ Enter approx. monthly payment: $ Enter approx. balance left on the 3rd loan: $ Enter approx. monthly payment: $ Enter Total Amount of Any Other Liens: $ Total Back Payments needed to Reinstate: $ *include all monthly back payments and taxes Have you filed or intending to file bankruptcy? Is your goal to? Please describe your situation (briefly): What do you think your house is WORTH? If you were able to sell it, what do you expect/want to NET? Property Information: Bedrooms: Bathrooms: Parking: Pool: Year Built: Do you know the approx. Square Footage? Is the property currently occupied? Is it currently listed with an agent? If yes, when does the listing expire? Can you cancel the listing?

What kind of condition is the property in? (carpet, paint, appliances, roof, yard, repairs etc.): Thank you for your time! We will review this information and contact you shortly! NOTE: Be sure to submit this form before using the << Back | Next >> buttons. Do you have a problem submitting this form? Please make sure all the required fields are completed. If the problem persists, please contact us and let us know. http://www.uscourts.gov/bankruptcycourts.html http://www.capreventioncenter.com/Contact.aspx The National Prevention Center Exclusive Affiliate for your area is listed below: State of California County: Sacramento County Company: California Prevention Center Your Contact: Richard J. Murphy, Partnered with, O'Bien Financial Services Inc. Call Office at: 530-289-6565 ~ 209-553-8595, 707-502-2559 Office Fax: 206-600-5179 Membership Status: Excellent Confidential and No Risk Consultation Request In order to provide you with a rapid advice and help you understand of all of your options on how you can STOP FORECLOSURE on your home, please fill out this short, confidential application. By making this information available to us, we will be better prepared for your phone consultation. If you prefer, you can always call and provide your information over the phone. All of the information is not required but the more details you provide, the more options our member can give you! Our goal is to match your situation with a program that suits your needs in the best possible way, even before our first conversation. Your local affiliate understands that time is of the essence in your particular situation. Fields marked with a red asterisk ( * ) are required. If you are unable to answer a required question, give us your best guess or enter "NA", "0", "don't know", etc. Contact Information: First Name(s): Last Name(s): Home Phone: Best Time To Call Home: Work Phone: Best Time To Call Work:

Cell Pager: Email Address: Please tell us how you heard about National Prevention Center: Foreclosure Information: Have you received foreclosure notice: Has Foreclosure date been set: If so what is the Sale/Auction date (enter approximate if dont know) Enter approx. balance left on the 1st loan:$ Enter approx. monthly payment: $ Enter approx. balance left on the 2nd loan: $ Enter approx. monthly payment: $ Enter approx. balance left on the 3rd loan: $ Enter approx. monthly payment: $ Enter Total Amount of Any Other Liens: $ Total Back Payments needed to Reinstate: $ *include all monthly back payments and taxes Have you filed or intending to file bankruptcy? Is your goal to? Please describe your situation (briefly): What do you think your house is WORTH? If you were able to sell it, what do you expect/want to NET? Property Information: Bedrooms: Bathrooms: Parking: Pool: Year Built: Do you know the approx. Square Footage? Is the property currently occupied? Is it currently listed with an agent? If yes, when does the listing expire? Can you cancel the listing? What kind of condition is the property in? (carpet, paint, appliances, roof, yard, repairs etc.): Thank you for your time! We will review this information and contact you shortly! NOTE: Be sure to submit this form before using the << Back | Next >> buttons. Do you have a problem submitting this form? Please make sure all the required fields are completed. If the problem persists, please contact us and let us know.