Dear Frustrated Home Owner…

Hi, my name is Tom Straub, publisher of the Stop Foreclosure Kit and the Recession Survival Kit.

I'm sure you already know that life is getting harder and harder today for millions of people across America as they see the market value of their homes fall 10%, 25%, 50% or more. Many people now owe more on their mortgage than their homes are worth. Most people are just beginning to realize that they are only one big medical bill or loss of a job away from impending financial disaster.

July and August 2009 were the worst months for the number of foreclosures since this recession started. As you can see, foreclosures are getting worse... and now it's the prime mortgages that make up 80% of the market that are starting to be foreclosed on at twice the rate of the earlier bad sub-prime loans which are only 20% of the market. It's no longer just a lower-income problem, it has become a higher-income problem too.

And just as if to make things worse, unemployment keeps rising as well, causing more people to fall into financial hardship and even bankruptcy. But even for the fortunate ones who have kept their jobs, many are having to accept pay cuts by as much as 25%, such as teachers for example.

Many people who made it through the recession in the 1980's relied on their credit cards. That option doesn't seem to be available today. Both the US Government and the public are way over extended in their credit debt, while savings levels have fallen. This has caused banks to offset their risk by raising interest rates, slashing available credit balances, and lowering credit scores even for people who have been paying their bills faithfully. All this credit tightening is causing heavy stress on family budgets, and is even starting to strain marriages.

But of course, the most devastating of all, is the loss of your family's home. This is particularly stressful due to the potential loss of family trust, and the loss of respect and standing in the community. When an entire family goes homeless, life can literally become a nightmare. And, it can happen so unexpectedly.

This video shows how unemployment can affect foreclosure

Fighting Back When Foreclosure Hits

When foreclosure strikes, there are things people are doing right now to fight back to keep their homes. Many people are finding ways to take advantage of the mess of sloppy paperwork created by the big banks and the Mortgage Electronic Registration System (MERS).

Created in 1995, MERS is owned by several of the largest mortgage companies in America, including Fannie Mae, Freddie Mac, Wells Fargo, Citimortgage, Chase, HSBC and Countrywide. It is the clearinghouse the big banks use for slicing, dicing and bundling mortgages into "securities" which the big banks then sell to pension funds, hedge funds and mutual funds.

Oddly, the idea of MERS was to save the big banks from having to file papers in each county where the mortgages were located, keeping all the information in a MERS electronic database instead. As you can imagine, this led to sloppy paperwork by the banks. And now, many of the promissory notes and other paperwork are now lost in warehouses, garbage dumpsters, etc. In most states, if the mortgagee can't produce the promissory note in court, then no foreclosure is possible.

These next two videos explain the "Producing The Note" tactic

Consider All Of Your Options…

When foreclosure strikes, the "produce the note" tactic can be very powerful in stopping foreclosure, however, you should also realize that it is during foreclosure you have the least options available to you.

More options are available to you the earlier you take action. One of the biggest mistakes people often make when facing foreclosure is that they just try to ignore it and do nothing.

A better strategy is to be pro-active, because then there are a lot more options available to you. More options to save your home, get a better deal on your mortgage, increase your income, reduce your debts and find loans you can afford so you can secure the lifestyle you want for yourself and your family.

It's Not Your Fault!

If you are trying to stop foreclosure on your house or only see foreclosure problems looming on the horizon, then you'll appreciate how I'm feeling in just a minute. Investigations reported by the American News Project carried out in mid-2009 have identified that over 90% of foreclosures may be caused by criminal fraud. Responsible Americans like us who are paying their bills on time are now being forced to choose between buying food for their families or paying for an escalating monthly mortgage payment.

We only want our share of the American Dream to provide a safe home for our families. But as you'll see in this video, corporate corruption from the top down is stealing the American Dream away from us.

This video explains how Wall Street on down is destroying our future

How I Found The Solution…

At the beginning of 2009, the recession had hit my home-based business hard. By April it was becoming clear that I may not have the money for our mortgage payments later on in the year. Oddly, I had already purchased the rights to some books that I had planned to offer for sale in my business. Almost as if fate had planned it for me, the books that I had bought the rights to gave me the information I used to prevent foreclosure on my own home, sell my property within 3 months at a good profit, save my credit score, and end up 99% debt-free.

Yeah, I know… Zippity Do-Dah For Me -- It's just that I know this solution works from personal experience!

Before I continue, I must confess that I'm rather a private kind of guy. Sharing personal information publicly has never been my first choice. In fact, public speaking often gives me the willies. But a few of my family members strongly suggested that I should use my Internet business to spread the word about the solution to as many people as possible. And, after thinking about how so many Americans are losing their homes due to these criminals that are ruining our economy, I realized I had no choice.

Introducing The Stop Foreclosure Kit

In this kit you will get two books that will you help you get your mortgage under control. Here is what they contain:

"Avoiding Foreclosure" by Christina Clerk ($47 value)

• A blueprint for avoiding the foreclosure trap
• Tips on how to spot loans you should avoid
• How to avoid paying PMI lender insurance
• The pros and cons of refinancing your mortgage
• Available foreclosure workout solutions
• A plan to follow if foreclosure strikes
• How to work with VA and FHA mortgages
• How to preserve your credit during foreclosure
• How to work with reverse mortgages
• And more...

"Home Mortgages" by Jennifer McBride ($47 value)

• A complete history of how mortgages evolved
• A description of each type of mortgage
• Your options for securing a mortgage
• Tips on how to qualify for a mortgage loan
• The difference between pre-qualification and pre-approval
• A breakdown of all the fees applied to mortgage loans
• A discussion about private mortgage insurance
• Five possible mortgage foreclosure strategies
• How to find mortgage loan information and tools online
• And more...

Including The Recession Survival Kit (For A Limited Time)

In this kit you will get three books that will you help you get a better job, reduce your debt load and obtain better terms on a loan. Here is what they contain:

SPECIAL FREE BONUS #1

"Employment" by Elizabeth Tasker ($47 value)

• Past, present and future trends of employment
• Today's growing and declining occupations
• Styles and types of employment that is possible
• Pros and cons of working at home
• Available methods of locating employment positions
• Tips on filling out job applications and resumes
• Discussion on employment law
• Tips on finding the right job for you
• And more...

SPECIAL FREE BONUS #2

"Debt & Refinance" by Sandra Pays ($47 value)

• How to read and understand your credit report
• Tips on avoiding identity theft
• How to improve your credit report
• Tips on getting and using credit cards
• Pros and cons of loan refinancing
• Where to go for refinancing
• All about debt consolidation loans
• How to deal with aggressive debt collection
• Step-by-step strategy for reducing your debt
• And more...

SPECIAL FREE BONUS #3

"Loans Explained" by Michelle Buyer ($47 value)

• In-depth introduction to the types and purposes of loans
• Details of getting an auto loan
• Details of getting a home mortgage loan
• Details of getting a business commercial loan
• Details of getting a full-control personal loan
• Understanding how to get a student loan
• Checklist for qualifying for a loan
• How to most effectively use a loan application
• Insider tricks on getting loans
• And more...

My goal is to reach the millions of Americans being affected by foreclosure in the month of October. For that reason, I'm offering all three books of the Recession Survival Kit as a free bonus only within the month of October.

Why do this? Well, it's to prevent anybody with a habit of procrastination from not taking action immediately. Hint: it's a mental trigger. Okay... I'll admit I'm not so good at this psychological motivation stuff.

Think of each of these books as a reader's digest of each of their topics. Inside each book there is no fluff, no ads, no spam. Just solid strategies and powerful tactics that you can use now to get the lifestyle and security you want for your family right now.