"Courage is not the lack of fear. It is acting in spite of it." -- Mark Twain, author ______________________________________________________________________________________________________ People who want to move mountains must start by carrying away small stones. ________________________________... 05/22/2008

"Learning is not attained by chance; it must be sought for with ardor and attended to with diligence." -- Abigail Adams _____________________________________________________________________________________________________ "There is no excellence uncoupled with difficulty". Ovid __________________... 05/18/2008

Bankruptcy: A legal alternative that allows the borrower to clear any debt obligations by restructuring the payment terms. A bankruptcy stops the foreclosure process until the bankruptcy process is completed or the court allows the lender to resume the foreclosure.  Deed in Lieu: Voluntary conve... 05/16/2008

Number One: Absolutely DO NOT ever deed your property to a third party without absolute confirmation your loan has been paid off! Note: if you believe this option is best for you, please consult with an attorney - not the buyer's attorney - before completing the transaction. If you deed your pro... 05/15/2008

" Winning starts with beginning." -- Robert H. Schuller _______________________________________________________________________________________________________ "Hope, purpose and determination are not merely mental states. They have electrochemical connections that affect the immune system. --Nor... 05/15/2008

Consider the effect on your credit report:   You will suffer much more damage to your credit report with a foreclosure than you will with a short sale. It will also take considerably longer to restore your credit rating once your financial difficulties are resolved.In general, here's what happen... 05/13/2008

"What lies behind us and what lies before us are tiny matters compared with what lies within us." -- Oliver Wendell Holmes Jr., Supreme Court Chief Justice ______________________________________________________________________________________________________ "Don't lose faith in humanity; think o... 05/13/2008