The first thing to know is, it’s not your fault and there will be an estimated 2.5 million foreclosures in the US this year. In 2009 one in every 45 homes received at least one foreclosure filing. You are not alone and you should not be embarrassed to seek help. Our staff is committed to providing professional assistance to expedite helping families, lenders and servicers in facilitating the short pay refinance and loan modification, or process short sale process. We feel that its crucial to assist all parties avoid foreclosure and minimize unnecessary costs, fees and headaches. Our consultation is FREE and there is no obligation to hear how we can help. This could include a Reduction in Principal Balance, Interest Rate and/or Monthly Payments, or short selling the property altogether. Foreclosure filings surpassed 3.9 million in 2009 and 2.8 million in 2008, a 21 percent increase in total properties from 2008 and a 120 percent increase in total properties from 2007. Don't be the next victim and at least hear what we can do to help. My websites: My Homeowners Advocate