As of June 1st, 2008, ForeclosureFish has joined forces with The Debt Advocacy Center. ForeclosureFish.com is one of the worlds leading sources of information and advice to help foreclosure victims prevent foreclosure and even keep their home at a much lower cost. In the past, ForeclosureFish directly provided these services, but by teaming up the The Debt Advocacy Center, they have added a powerful new tool to stop foreclosure!

The Debt Advocacy Center uses attorneys to fight wrongful mortgages and force lenders into re-writing the loan with a more affordable payment. This technique works best with variable rate mortgages, but can be used in almost any situation where the lender withheld, or provided inaccurate information at the time of writing the loan. Inflated appraisals and loan agents who don't reveal all the “hidden” details about the loans they provide will now be brought to justice!

Along with the many other options to stop foreclosure, ForeclosureFish can now help foreclosure victims save their homes and fight back against the banks using the legal system to their advantage.

Here are a few of the other options available to stop foreclosure:

Mortgage Modification
Foreclosure Workout Plan
Foreclosure Refinance
Foreclosure Loan
Special Forbearance Agreement
Private Investors
Short Sale
Deed In Lieu
Investor Leaseback
Hard Money Loan

ForeclosureFish.com is owned and operated by Adama Properties, LLC and has developed a nationwide network of professional mortgage, real estate, and legal professionals to help foreclosure victims eliminate the risk for foreclosure, while keeping their home and lowering their monthly payments. To contact ForeclosureFish to inquire about foreclosure services or to join their professional network, please visit www.foreclosurefish.com or call 1-888-964-4274.

Happy Thanksgiving to all visitors to our site!

From,
Everyone at ForeclosureFish.com

In recent weeks, we have been conducting an unofficial survey of many of our clients in order to better understand how to help them stop foreclosure. While every situation is unique, a few patterns were easily spotted during the course of our study. By changing a few simple actions, we have found, many homeowners would stand a much better chance of being able to save their homes.

The first pattern that we spotted is that the majority of homeowners do not consider giving up nonessential bills and expenses. This is a horribly misinformed mistake to make, as every extra dollar can go a long way during a financial hardship. These sacrifices may involve giving up cable TV, not stopping at Starbucks on the way to work, or eating lunch in the office, instead of going out every day. With just a few bills eliminated, the homeowners would be able to save more towards a repayment plan, recover from the hardship a little more easily, and be able to start a credit repair plan much sooner. It is simply a mistake to decide to keep paying for nonessential bills, when it is much more important to put together a real plan to stop foreclosure.

Also, many homeowners do not consider the possibility of picking up a second job to earn extra income. Even if the cause of the financial hardship was a loss of job, and there are no immediate prospects for a new position, it is important to make some sort of income during the transition period. This can keep the home from going to foreclosure, and can allow the homeowners to negotiate with the lender to make even a partial payment, which is better than no payment at all. A part-time job may not provide much in the way of income, and will probably not give the homeowners a long-term solution to their problem, but it can prevent the foreclosure from becoming a much more devastating experience. Having some source of income can also help the homeowners stop foreclosure before it even begins.

The most surprising pattern we noticed was that, instead of lowering bills or taking on a part-time job, homeowners will contact website after website, in a vain attempt to find a magic solution to stop foreclosure. Without a major shift in behavior, there will be no solution to the foreclosure, and no website can put together an affordable payment plan for homeowners who are spending too much and making too little. It just can not be done, no matter what the circumstances. And, unfortunately, the foreclosure help companies will make all the promises in the world, and sometimes they even do the work they offer to provide. But with homeowners defeating themselves at every turn, it will be impossible for anyone to help the homeowners save their home.

So, as a result of these self-defeating behaviors, too many homeowners end up losing their homes -- some even contact us after they have lost their homes, in a futile effort to contact more websites for help, rather than putting a plan together to stop foreclosure. This is an unfortunate, entirely avoidable situation, and one that homeowners should everything they can to avoid. There may be no Comedy Central for a few months, and Starbucks may have to wait, but these are, honestly, very simple sacrifices for anyone to make if they are serious about saving their home from foreclosure.

Recently, ForeclosureFish.com has teamed up with some of the best companies in the world that specialize in helping families get their financial lives on the right track to avoid ever having to face foreclosure again. We deal with the immediate problem of the foreclosure, and then proceed to helping you save more money, make more money, and start living the dream life you've always wanted.

Far too often, homeowners in foreclosure have completely lost track of the real goals of their lives. When you are looking for any option to stop foreclosure and save your home, you may not have much time to keep alive the dreams of higher income and financial independence, protecting your family from any hardships that occur, and making sure your children and church community is well taken care of. This if where ForeclosureFish.com comes in to help the most.

All foreclosure victims on our site will receive no fewer than 5 separate offers from various foreclosure specialists and financial education firms. These include private investment options for homeowners who need a quick sale, sale leaseback, or other other arrangement; as well as loss mitigation options from professionals who spend their entire days on the phone fighting banks on your behalf to stop foreclosure. Even while our preferred experts are helping you get back on track any way possible, we will help put you in touch with someone who will provide you with all of the financial education that no one else ever gave you. At your request, local representatives will sit down with you and help you put together the financial plan you need to start living your life the way you want -- not the way that you've been forced to for so many years.

Beyond all of this, the ForeclosureFish.com team will provide you with unlimited foreclosure advice and assistance with any option that you have to stop foreclosure. Find out if you are being taken advantage of, how to get your money back from foreclosure scams, and if there are better rates/payment options for your new foreclosure loan. This way, you will know exactly what kind of deal you are getting, and you will have the ability to examine a wide variety of offers from companies to help you with your mortgage.

Most importantly, however, is for you to get back on track with your financial plan and keep on track with it. Too many homeowners make it a habit of going from one hardship to another, and no plan equals a plan to fail. Just by sitting down and putting together a plan to stop foreclosure and start repairing your life, you will have a much better chance of being able to avoid having to face foreclosure in the future. Emergencies will still happen, since life is full of uncertainties, but you will be able to rest assured in the fact that emergencies will never again turn into financially devastating hardships that cause you to get behind on bills and face the loss of your home.

It is at this point that you can start living the dream of being completely independent of the wage-slavery that so many of your friends, family, and coworkers are trapped by. You may even find that the real purpose of your life is to help spread the awareness that you gained about your finances, and help other families in the same situation that you were able to successfully recover from. Then you can really start living the dream of helping other people and making your current situation a learning experience, rather than the most horrible experience in your life.

With dozens of combined years of experience in real estate, mortgages, banking, financial education, investing, and foreclosure help, we have gained a detailed understanding of how homeowners can save their homes from foreclosure. New ways to stop a sheriff sale are created daily, as well as more and more creative financing and investing scenarios to help a homeowner stay in their home. As we add to our knowledge every day, we have found that the main difference between ForeclosureFish.com and other websites is in our committment to our clients over the long-term.

Where most foreclosure service providers will help a homeowner stop foreclosure, ForeclosureFish.com has decided to take the next step in continuing the relationship. Through a system of do-it-yourself credit repair after foreclosure, and a complimentary sit-down financial analysis with a local rep from a trusted company, we are dedicated to helping our clients now and in the future. Mortgage help is just the first priority -- often, homeowners are in need of help to pick up the pieces of their financial lives even after the foreclosure process has ended.

It is all to common for one of our clients that we have helped to call us 6-10 months after we helped them find a solution to foreclosure. They have run into another short-term financial hardship (loss of job, medical problems), and are having difficulty in paying their mortgage again. Some have even called after the foreclosure process has begun again, putting their credit history into a much worse situation than it was before. This is not what we want for any of our clients, whether we help them stop foreclosure or if they can not save their homes and we help them sell and purchase a new home.

Ideally, if any of our clients call back for additional services, we want them to be for a new refinance at a lower rate after they have put together a savings plan and raised their credit scores significantly. Then, the process will be completed full circle, and the homeowners can start building more wealth by creating more equity in their property, as well as saving money in other areas and living more financially independent than ever before. Unless a client gets to this point, we believe there is unfinished business with them. We never want to imagine a homeowner that we work with being faced with another foreclosure.

This is the mission that we have for the foreclosure victims that contact us: to take them from their current financial hardships, find a short-term way to stop foreclosure, and then start establishing the framework needed to prevent any future hardship from becoming devastating. While homeowners in foreclosure may be at the lowest point of their financial lives, they are also in a major period of transition, and this provides an ideal opportunity for the family to evaluate its long-term goals.

Prevent foreclosure from taking you down too far.
Stop foreclosure if you are already in the process.
Avoid foreclosure forever after becoming a ForeclosureFish.com client.

It really can be that simple sometimes, if the clients are willing to achieve their goals.

One of the main ingredients in any homeowner's plan to stop foreclosure is having expert advice and a professional review of their file. While there is much that homeowners can do on their own to learn about the foreclosure process and what options they may have to save their homes, a review by a team of specialists can help identify various other ideas and methods that the homeowners may have overlooked.

This is exactly what our professional board review process will do for homeowners in danger of losing their homes to foreclosure. Everyone who signs up to receive our free foreclosure e-book will also receive a complimentary review of their case by our board of managers who specialize in helping foreclosure victims identify ways to stop foreclosure.

Some of the most commonly overlooked options that homeowners may have available to save their homes include a loan to stop foreclosure, loss mitigation, and selling to a friend or family members. All of thse options are usually discounted by the homeowners because they have faced rejection so many times from their lender, trying to put together a repayment plan, or other lenders, attempting to put together a foreclosure refinance. Too often, though, the reason for failure is simply that the homeowners do not have access to the right tools that can be used to prevent foreclosure, or they have not encountered the path of least resistance to saving their homes. In fact, they may have overlooked a simple solution that turns out to be right in front of them.

And that is where all of our mortgage help resources come into play. Our free foreclosure e-book teaches homeowners all about the foreclosure process and gives a general overview of the most common ways to get mortgage help to avoid foreclosure. Our management review board will create a professional proposal for foreclosure victims and will identify numerous areas where a solution may be found. And the free pre-screen listing against hundreds of lenders, investors, and mitigation professionals will help foreclosure victims find the foreclosure specialists who can provide them with direct assistance.

Best of all, all of these ways to learn about foreclosure and what can be done to prevent foreclosure are absolutely free foreclosure help services that we offer. We have found that the best way to help homeowners save their homes is to provide them with the best, most relevant information they can use to make informed decisions regarding their homes. Mortgage help and resources are just around every corner of ForeclosureFish.com, and we invite our visitors to take advantage of the available tools to stop foreclosure.

We have created a new ForeclosureFish.com Members section for anyone who is interested in saving their home. We created this on the request of numerous homeowners who have contacted us looking for more information and interactive tools to help them understand how they can stop foreclosure.

In our new downloads section, we have included a virtual library of forms, example letters, example contracts, and financial programs for members to install on their computers. This will help homeowners put together the exact deals they need to keep their payments affordable and begin repairing their credit. They can learn how to negotiate with their banks for repayment plans, lowered payoffs, and even extend a sheriff sale date.

In addition to the free foreclosure e-book that we offer on our website, our members have access to eleven additional e-books that are designed to educate them on various aspects of the foreclosure process. They can learn exactly what they need to do to qualify for a foreclosure refinance, repayment plan, and when bankruptcy or a deed in lieu of foreclosure would apply.

For those who wish to refinance their mortgages to get out of foreclosure, we have included two extensive lists of known lenders who specialize in foreclosure avoidance loans. There are not many lenders who do these types of loans anymore, and having two lists of them would be invaluable to foreclosure victims who just want a fresh start with a new mortgage company. In the right circumstances, a new foreclosure loan could mean the difference between holding onto the home and seeing it slip away into foreclosure.

Possibly the most important aspect of the new section is the Scams section, which helps homeowners get their money back if they have been taken advantage of. Certain companies will always target foreclosure victims, but with the tools available to them through our new site, homeowners can fight back and recover any refunds they are owed from foreclosure scam companies.

The new members section is now up and running, and includes 100% free telephone support for anyone who needs additional help. We are here to assist foreclosure victims who are serious about keeping their homes to prevent foreclosure in any manner possible. Best of all, the resources on the site are designed to help homeowners stop foreclosure on their own -- without using any third party assistance, unless they choose to request help to save their homes. To determine if becoming a member would benefit your situation, please contact us or send us a free, confidential foreclosure evaulation, and we will discuss the new program with you, along with creating your free listing and sending you a free foreclosure e-book.

ForeclosureFish.com is proud to introduce our new system to help homeowners stop foreclosure -- our $1,000 challenge!

Over the years, we have found that every single homeowner who is in foreclosure has some option available to save their home. There is no reason for anyone to lose the home to foreclosure, watch the property be sold at sheriff sale, or be evicted from their house. There is always a way to prevent this from happening.

That is why we have developed a unique series of options to help save any homeowner's house from being lost to foreclosure. Depending on your circumstances, the processes are guaranteed to save your home.

Now, of course, there is a lot of work involved in preventing the foreclosure from going all the way through. But, if you follow all of our instructions, and are willing to put in the necessary work, you will save your home from foreclosure. The only way you would lose the home is if you turn down the numerous offers that are presented to you. Generally, you must have at least 30 days to find a solution to foreclosure, and you must be willing to follow our exact instructions, and we will guarantee that you will not have to worry about foreclosure anymore.

Best of all, every single one of our services is 100% free.

And if you are unable to stop foreclosure, we will give you $1,000, to use for any other services or to purchase a new home when you are ready. No doubt about it: if you do everything necessary to save your home, and you end up losing the house, we will help you purchase any new property that you want.

To take the $1,000 Challenge, and begin the process of saving your home, please fill out our foreclosure evaluation form, or get started right away and find help now.

Our free foreclosure e-book has recently undergone a few new changes, designed to clear up some of the confusing language and add a helpful new resource for homeowners facing foreclosure.

For those who sign up to receive the free e-book, we will also send a complimentary "workout package" to your lender. This package will request a postponement of any foreclosure date, sheriff sale date, or eviction date. As well, we will ask your lender for the most recent payoff and reinstatement figures, so you know exactly how much you are being charged. Another feature of the package will be a request for a lowered payoff amount, as well as for the qualifications for loan modification or other repayment plan options.

This package can mean the difference between you being able to stop foreclosure, and having the bank take the home all the way through the foreclosure process. The foreclosure e-book is designed to help you understand what happens during foreclosure, as well as know what options you have to save the home.

We are also updating and improving the software that will creates your free listing on ForeclosureFish.com. Everyone who receives the free foreclosure e-book also receives a free property listing, which will allow you to access mortgage and real estate professionals. These experts specialize in foreclosure situations and can help you examine all of the different options that are available, including repayment plans, loan modification arrangements, foreclosure refinancing, or other programs.

Sign up for our improved free foreclosure e-book, and start taking the first steps towards saving your home!

Only a shorter post tonight. ForeclosureFish has been working hard after the holiday yesterday (Martin Luther King, Jr. Day), and we are coming up with new methods to teach people how to stop foreclosure on their own. As always, it is our mission to give homeowners the necessary information they need to save their homes, avoid foreclosure scams, and keep as much of their equity and money as possible.

We have added several new companies and individual investors who can help homeowners in foreclosure. Everyone who submits an evaluation form to the site can have their case reviewed by hundreds of lenders, investors, and consulting agencies to determine what options are open. This is the best way to save a home from foreclosure -- learn all the options you have, evaluate which ones are the most affordable and least expensive, and make the best effort you can to follow through with the plan.

Foreclosure can always be stopped but saving a home is never a painless experience. We try to make our site and its resources as helpful and informative as possible, though, and we look forward to making even more options available for homeowners who want to stop foreclosure and just need to know their options.

Some of the free foreclosure help services and products provided by ForeclosureFish.com:

-Stop Foreclosure E-Book. This 15-page foreclosure e-book explains the basic foreclosure process, and how your lender will proceed when taking your home from you. The red flags of foreclosure scam companies are examined, as well as the most common methods you can use to stop foreclosure. Our foreclosure e-book, used in conjunction with our website, can teach you how to save your home on your own and avoid all of the worst foreclosure scams. Best of all -- the e-book is completely free to anyone who wants a copy of it.

-Letter asking your lender to stop foreclosure. For the cost of postage, we will send a complimentary workout package to your lender, asking them to stop the foreclosure process, examine repayment options with you, and help you structure a short refinance or short sale. Other companies may charge you thousands of dollars to request only one of these three vitally important services. ForeclosureFish.com is the only website providing this service for free to approved clients. Saving your home shouldn't cost you hundreds or thousands of dollars; this is money you should use to pay your mortgage, get out of debt, or apply to a refinance.

-Pre-screen your property details to hundreds of foreclosure help resources. You really don't know what options you have open until you actually start contacting companies and asking them what they can do to help you stop foreclosure. But we take all of the work out of this. Once we know a little bit about your situation, we will present the details to several hundred lender, hard money lenders, private investors, and general foreclosure help companies. They will be able to tell you exactly how they can assist you in saving your home. This can save you hundreds of hours of searching for foreclosure help companies, or calling around until you find a company that can provide assistance in your situation. Have companies call you directly with what they offer, and you can decide to accept the help they provide or not.

These are three of the free foreclosure help services provided by ForeclosureFish.com, in addition to daily updates on the website, foreclosure news analysis, and loads of free informational resources. When you are attempting to stop foreclosure, you need as much help as you can get. The problem with foreclosure help is that it is notoriously expensive. Companies who charge foreclosure victims thousands of dollars are misguided at best and criminal at worst. Use the money you have to stop foreclosure -- not to take a chance on a foreclosure company that has no interest in helping you save your home.

Just in time for the holidays, we have updated a significant feature in the ForeclosureFish.com members area. How many times have foreclosure victims called their lender, only to be put on hold for 10 minutes, transferred to another department, placed on hold for even longer, transferred again, and then disconnected or transferred to voicemail before actually talking to anyone?

All that is just a distant memory for our members, though, as we have completed a database of nearly one thousand contact phone numbers and fax numbers for mortgage companies nationwide. You'll never again have to spend hours on hold, futilely attempting to contact the correct person.

As an extra feature, there are contact numbers for dozens of foreclosure attorneys. These are the attorneys who are suing you and representing the lenders who are trying to take back your home.

This database can be an invaluable resource to everyone who is trying to stop foreclosure. Both homeowners, investors, and mortgage brokers will be able to access the information, making the task of saving homes much quicker and efficient.

Homeowners will be able to locate the correct phone numbers in order to call their lender, and won't spend hours being shuffled from one voicemail to the next, never receiving a call back.

Private investors will be able to present their short sale offers or purchase contracts to the correct departments. The lender won't be able to use the excuse of never receiving the necessary information, especially if the documents are sent to numerous fax numbers for the company.

Mortgage lenders specializing in foreclosure loans will be able to receive information from the mortgage company in a matter of days -- not weeks, like some mortgage companies offer. These extra days and hours can make the difference between closing a loan and running out of time.

Become a ForeclosureFish.com member, and never get the run-around from your lender again. Don't lose your house because they won't take your calls. Keep your lender accountable, stop foreclosure, and save your home.

As we have been making improvements to our own site, ForeclosureFish.com has also been attempting to provide homeowners in foreclosure with more ways to find our resources online. The sites on our links page are appreciated for their continued support of ForeclosureFish and our desire to reengineer the foreclosure relief industry.

Many of the sites below are web directories that provide visitors with a large group of links to websites relating to nearly every imaginable topic. You are encouraged to view their listings, if you have time while attempting to stop foreclosure. Many of the websites and articles included on these sites are filled with invaluable, free information.

ForeclosureFish.com is in good company with many of the sites listed on the directories, and we will continue to try to reach as many foreclosure victims as possible.

As some of you may have noticed, ForeclosureFish.com has begun making significant contributions to the online community. A Google search will show our mission to reengineer the foreclosure relief industry being put into action.

You may view our Yahoo! Answers profile for our company here.

In addition, we have answered a number of foreclosure-related questions on other public forums. A few of them include All-Foreclosure, Foreclosure Talk, and Foreclosure University.

We plan to make sure that victims of foreclosure have confidence in the answers they receive from public forums. While many companies and scam artists will directly email the client with sales pitches, we make every attempt to provide the answers the homeowners are seeking.

Please do not hesitate to ask us questions directly, as well. You may send us an email to info@foreclosurefish.com, or go directly to our Contact Us page, or fill out a confidential evaluation form online.

A systematized version of nearly all of the answers we have provided during a three-year period is available in our newly updated book, Theft of the American Home.

If you have any suggestions or ideas about how to make our site more user friendly, or you have any questions or comments at all, please contact us.

Also, please feel free to visit some of the links on our site, as they contain more information on foreclosure and how to stop foreclosure. We have found the information they provide to be extremely practical, well-written, and useful.

Foreclosure Specialists Announce Newly Revised Homeowner Centric Foreclosure Relief Experience

New Website, E-book, and lender services being premiered nationwide.

Chicago, IL November 3, 2006 – ForeclosureFish.com is partnering with Adama Properties, LLC, to reengineer the foreclosure relief industry. Adama Properties remarks “The foreclosure industry needs to be more focused on helping people save their homes by providing multiple options. We’re designing a ‘total homeowner centric’ experience for everyone; lenders, investors, attorneys, and, most importantly, victims of foreclosure. We want foreclosure relief to be about saving homes, not selling services.”

The below described premieres will be offered by ForeclosureFish.com, utilizing the unique foreclosure experience and materials of Adama Properties. Using these highly tested and refined processes, ForeclosureFish.com will have a substantial advantage when helping homeowners in danger of losing their homes.

The new revisions include a completely redesigned website, updated and expanded foreclosure e-book, and state-of-the-art back office support. The goal of these expansions is to promote low stress foreclosure relief, multiple options for saving a home from foreclosure, increased efficiency in researching foreclosure situations, and maintaining a positive reputation among homeowners and within the foreclosure industry.

“We will implement a simplified process to assist foreclosure victims in obtaining numerous options for saving their homes, while walking them through every step of the process,” says ForeclosureFish.com. Homeowners will be able to call about any hardship situation that is affecting their ability to pay their mortgage, without the fear of foreclosure scams or high-pressure sales tactics. If a foreclosure victim wishes to know his or her options for saving the home, a board review of managers takes place: information is verified, lines of communication are opened with the foreclosing bank, and options are examined for stopping foreclosure. Results of the review are presented to the homeowners, who are able to decide themselves which option will fix their situation. The foreclosure victim can examine each option in depth and have any questions clarified with a manager, pressure free.

The ForeclosureFish.com total homeowner centric program will be promoted in the online arena through the official ForeclosureFish.com website, blog, in public forums, and through media – locally and nationally. Those foreclosure victims wishing to learn about their options to save their homes are encouraged to email ForeclosureFish.com directly, or submit a confidential evaluation form online.