You probably lie in bed at night asking how you got yourself into this financial mess.

Until now, your life undoubtedly has had its ups and downs, just like everyone else’s. The threat of losing your home is undoubtedly one of the biggest challenges that you have faced.

You may be confronting many life crises at the same time. Another major crisis probably got you into foreclosure to begin with. The most common are:

• Divorce
• Illness
• Loss of job or demotion
• Imprisonment
• Overspending
• Overestimating future earning ability
• Procrastination and negligence

Perhaps you reasoned you could quickly find a buyer if necessary. You envisioned a sale as a sure way to get out of the mortgage and to make a profit as well.

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