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Table of Introduction | |
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What Is Foreclosure? | |
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When Will This Book Help You? | |
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What Types of Property Does This Book Cover? | |
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What Types of Foreclosures Does This Book Cover? | |
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Don't Panic | |
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Can You Really Do It Yourself? | |
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Will This Book Help You If You Do Have an Attorney? | |
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How to Use This Book | |
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Develop A Plan to Stop Foreclosure | |
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Communicate With Your Lender | |
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Get Organized | |
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Learn the Clock | |
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Decide Whether or Not to Keep Your Property | |
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Develop a Plan of Action | |
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Understanding the Documents Underlying A Foreclosure | |
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Promissory Note | |
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Deed of Trust | |
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Mortgages | |
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Reviewing Your Deed of Trust or Mortgage | |
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Nonjudicial Foreclosures | |
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Overview of Nonjudicial Foreclosure | |
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Notice of Default and Election to Sell | |
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The Reinstatement Period | |
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Notice of Trustee's Sale | |
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The Redemption Period | |
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Trustee's Sale | |
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Judicial Foreclosures | |
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Why Lenders Choose Judicial Foreclosures | |
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Overview of a Judicial Foreclosure | |
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Negotiating With Your Lender | |
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Negotiating Strategies | |
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Negotiating With an Institutional Lender | |
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Negotiating With a Private Lender | |
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Negotiating With HUD and the FHA | |
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Negotiating With the U.S. Department of Veteran Aff airs | |
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Refinancing out of Foreclosure | |
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Deciding Whether to Refinance | |
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Should You Use a Mortgage Broker? | |
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Will You Qualify for Refinancing? | |
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Overview of Refinancing | |
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Kinds of Loans | |
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How to Find a Lender to Refinance Your Property | |
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Closing Costs | |
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Using Your Military Status to Stop Foreclosure | |
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Are You Covered by the SSCRA? | |
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How to Use the SSCRA to Reduce Your Interest Rate and Payments | |
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How to Use the SSCRA to Stop a Nonjudicial Foreclosure | |
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How to Use the SSCRA to Stop a Judicial Foreclosure | |
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Using the Courts to Stop A Nonjudicial Foreclosure | |
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Do You Have Grounds to Go to Court? | |
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Overview of a Lawsuit to Enjoin Foreclosure | |
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How to File a Lawsuit and Get a Temporary Restraining Order | |
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How Your Case Proceeds After the TRO Hearing | |
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Bankruptcy | |
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File for Bankruptcy and Stop the Foreclosure | |
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How Bankruptcy Works | |
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Which Bankruptcy Is Right for You? | |
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Additional Resources | |
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How to Sell Your Property Quickly to stop Foreclosure | |
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Deciding Whether to Sell Your Property | |
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Hire a Real Estate Agent | |
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Implement a Plan to Sell Your Property | |
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Prepare Your Property for Sale | |
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Offers and Counter-Offeers | |
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Proceeding Through to Closing | |
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Special Rules for Dealing With Equity Purchasers | |
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Arranging a "Short Sale" With Your Lender | |
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Giving your Lender A Deed in Lieu of Foreclosure | |
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Reasons to Use a Deed in Lieu | |
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Will Your Lender Accept a Deed in Lieu? | |
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Negotiate Terms of the Deed in Lieu | |
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How to Prepare a Deed in Lieu of Foreclosure | |
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Help Beyond This Book | |
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Real Estate Lawyers | |
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Using a Foreclosure Consultant | |
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The Law Library, Internet, and Legal Research | |
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Appendix | |
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Glossary | |
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Summary of State Foreclosure Laws | |
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Dear Reader | |
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About the Author | |