______________________________________

Dear  Homeowner:

  You like so many other Americans have fallen behind in your mortgage payments. The bank has sent you notice that you are in default, weeks have passed and now you receive notice that a sale date has been set where the bank will sell your home at public auction... 

  You are so overwhelmed. You can't believe this is happening to YOU. Your heart sinks and one depressing thought after another passes through your mind. You don't know what to do or where to turn. How in the world are you going to get out of this mess?

... Right Now, Right This Moment 

... Take a Deep Breath 
... Let Go of All Your Feelings of Stress and Fear 
... Just for This Moment 

... Breathe Out Stress - Breathe In Hope and Strength
... Feel for a Moment - My Life Will Go On - I Will Be OK 

... Now Close Your Eyes - and Offer the Whole Matter to God 
... Know and Feel That it is God Who Has the Power

... Ask God from Your Heart to Help You

... From This Moment - Put Your Trust in God

God will do HIS Part. HE will help you. But you will have to do your part.

We need to reduce our Stress and Fear... in order to think clearly, in order to take action and in order to work hard. You have a lot of work ahead of you if you want to fight for your home. 

Here is a Stress Reducing Promise - It Is Up To You - if you are reading this website, in most circumstances -

You WILL be able to remain in your home 
for a minimum of an additional 
six months to one year. 

You have a lot of hard work ahead of you. First you must learn everything you can about the foreclosure process. No one teaches this subject in school. This is the first time this is happening to you. Things are happening fast. What are your options. Who can you trust? Where do you begin? 

Let's Start With The Banks ...

   Did you know that you are a victim of the biggest consumer rip-off in HISTORY? Did you know the government under the administration of George W. Bush along with Federal Reserve Chairman Alan Greenspan presided over the biggest deregulation of banking in history? 

   With banking deregulation they set the tone and encouraged Big Business, Big Banking and Wall Street to literally go on a profit feeding frenzy at the expense of American homeowners and now at the expense of our entire financial system.

In Another Report ...

A report from United for a Fair Economy called “Foreclosed –The State of the Dream 2008, stated ”mortgage lenders have targeted the poor with high cost loans that they can’t afford.

Federal statistics quoted by the report appear to show that minorities are “more than three times more likely to have subprime loans.” 

The co-author of the report, from the Institute for Policy Studies, said that it is clear “that the subprime industry was focusing on the weak of our society and was trying to take advantage of people…”

Well, who says life is fair? 
Has it not always been the case that the rich get richer by fleecing the poor?

Welcome to the harsh REALITY 
of Home Foreclosure...

It's Absolutely Brutal in the Foreclosure World. 
There is very little mercy out there. Regardless that this is all the fault of big banking, regardless of the fact that massive fraud has been committed against the American consumer, regardless of the fact that the government is supposed to protect us, not fleece us ...

from the moment you go into default on your mortgage - the foreclosure process moves forward with swift and brutal efficiency. 

We've got a major question for you…

"Are you willing to fight to stay in your home? Are you ready to do everything it takes?"

  Are you willing to stand up to the bank?

  Are you willing to learn all the techniques to save your home?

  Are you willing to go into court to challenge your bank?

  It may be possible that filing Bankruptcy will keep you in your home? Are you possibly willing to file?

  Are you willing to negotiate and do what it takes to make a workout agreement?

  Can you take a second job, rent the attic to a relative, charge your grown children rent?

  Consider negotiating a Short Sale to sell your home when your mortgage is too high?

  Are you willing to trust that God will help you through this - no matter the final outcome?

If you are willing to fight to
keep your home, 
If you Are Facing an auction 
- we have some good news - 
Our programs will help you
buy more time 
as you fight to keep your home.

___________________________________________________________

The Do-It-Yourself
Stop Foreclosure
Auction Toolbox

The moment you purchase our STOP AUCTION TOOLBOX you even up the playing field with the banks.

You get the knowledge and the tools you will need to fight back.

But what is The Stop Auction Toolbox?

You are saying to yourself, "I'm in serious trouble here. How is this going to help me?

How is this different from all the other Foreclosure Companies out there?

Good … great questions!

The Stop Auction Toolbox Has 2 Parts:

1) How to File A Temporary Restraining Order Against the Bank

2) How to File an Initial Chapter 13 Bankruptcy to Stop an Auction

How is this Different from 
Other Foreclosure Companies?

We Show You How to Do-It-Yourself - You Are in Control

Let's Start with Filing a 
Temporary Restraining Order .... 

   This is nothing new. Temporary Restraining Orders are filed every day in foreclosure matters. This is also known as filing an Order to Show Cause with a Temporary Restraining Order to temporarily stop a foreclosure auction.

   But did you know it is your legal right to file your own court action without a lawyer, provided you know how to do it.   

Pro se is a Latin term meaning "for self", that is applied to someone who represents himself or herself without a lawyer in a court proceeding. ... You can file your own paperwork and stop an auction in most cases for under $50…

Below is a Sample Order to Show Cause 
Looks Complicated Right?

But when you order our kit you get:

fill in the blank Forms

ready to go templates

Full Instructions on How To Fill in Your Forms

 How to File Your Paperwork in Court

you will be fully prepared to go into court and file your papers correctly

Before we go any further we need to make a very important point. IN MOST CASES WHEN USING THE STOP AUCTION TOOLBOX - WE ARE TALKING ABOUT POSTPONING THE AUCTION, DELAYING THE AUCTION, BUYING YOU TIME - 

WE ARE NOT TALKING ABOUT STOPPING THE AUCTION PERMANENTLY - HOWEVER IN MANY CASES DEPENDING ON YOUR CIRCUMSTANCES - THE AUCTION CAN BE DELAYED FOR A SIGNIFICANT TIME OR EVEN CANCELLED PERMANENTLY.

NOW ... In Order to WIN in Court 
You Will Need Legal Defense Strategies ...

     You will have to provide the court with legal reasons for your request. The court is not going to postpone your auction just because you ask them to.

Let Me Tell You A Short Story and It is a True Story. It is the reason we are so excited about the Show Cause Order part of the Do-It-Yourself Stop Auction Toolbox.

   Several years ago, I was pouring over law books and court decisions searching for legal strategies to defend clients in foreclosure. I found an extraordinary strategy that was the Bank's worst nightmare.

   What I found was something called Proof of Ownership. In order to commence a foreclosure suit, or any kind of recovery suit, the bank must have legal standing to sue. 

   If challenged, the bank must provide proof that at the time they commenced the foreclosure action that they were the legal owner of the mortgage and the note you signed when you took out your mortgage.

Here is an Example of Proof of Ownership…

   Say your neighbor (Robert) loaned you (John) $1,000. Robert then made you sign a note promising to pay him back. Then your neighbor Robert needed some cash so he sold the note to his friend Joe saying "you can collect the $1,000 from John.

   Then Robert the original person who lent you the money decides to sue you in court for his $1,000. If you were smart, the first thing you would do in court is ask Robert to produce proof that you owed him the $1,000. "Where is the note I signed?" You would ask. "Where is the Proof of Claim? Where Is the Proof that Robert owns this debt?"

   Robert had sold the note to Joe so now Joe has the note signed by you. Robert cannot produce it. Any court in the nation would immediately dismiss the lawsuit brought against you by Robert.

This is Not New - But Banks Have Changed How They Work

   OK, this Proof of Ownership legal defense has been around since time immemorial. But years ago I realized something was taking place that never happened before.

   Starting several years ago, banks started assigning and reselling mortgages and notes like never before. In the past three years it has been common practice for the mortgage lender or bank to sell or assign the mortgage even before the ink was dry on the paperwork.

   Then there was the Wall Street brainstorm of securitizing mortgages (converting them for resale on Wall Street) into pools and then selling the whole pool of mortgages to investors. Then there was the growing use of mortgage servicing companies.

Here is the Million Dollar Question
Who Actually Owns Your Mortgage?
Who Has in Their Physical Possession 
The Actual Mortgage and Note You Signed? 
  

   Guess what, in most cases, not all cases, your mortgage has been sold and pooled and re-sold. What often happens with the actual paperwork you signed - it is probably sitting in a box in a warehouse somewhere.

 So, You Go Into Court and Formally
Request, "Your Honor, I Would Like the 
Foreclosing Bank to Produce Before 
this Court the Mortgage and Note 
to Prove that this Bank Had the Legal 
Standing to Commence Foreclosure." 

   Well the good news is that in many many cases, the judge will grant a temporary restraining order postponing your auction. Then the judge will give the bank time to go look for the records and produce them before the court. It is your right. 

   If you ask for proof of ownership the court should stop everything until that ownership is established before the court. You just brought 2 to 6 months of additional time in your house.

   The really really good news is that in some cases, the bank will fail to produce Proof of Ownership and the entire foreclosure proceeding will be dismissed. The bank will have to start all over from the beginning and this time their paperwork better be in order. In some cased the Bank is tied up in court for years.

 A Major Recent Study Showed that 
40% of the Time, Banks Cannot 
Produce the Documentation to 
Show Proof of Ownership

   And Don't forget, even if the Bank CAN produce it, by you asking for it, you should get a postponement of your auction while they gather their records to bring to court. This takes time.

Now For Some Bad News

   We Will Always Tell You The Truth on this Website - what you see above is the ideal circumstance. In real life there are other considerations. 

   First understand a judge is a king or queen in his or her courtroom. They can do almost anything they want to. You can come before a judge with a perfect case and he or she can easily rule against you.

   It is impossible to guarantee what a judge will do. Most judges will do the right thing but some will not. In reality, filing a Show Cause is a roll of the dice. You cannot predict if you will win or lose. 

   Back before the subprime crisis began, judges were much more likely to side with the bank. Now with the epidemic of foreclosures, judges in general are much more likely to give the homeowner a break, especially if the paperwork is in order and the legal defense strategies are sound.

However on the bright side, recent experience has shown us, Using the Do-It-Yourself Toolbox - Order to Show Cause Kit, you will have an excellent chance of getting your auction postponed and a fair chance to have your entire foreclosure judgment dismissed and vacated - though again, this is in all honesty, impossible to guarantee.

A Recent New York Times Article Said the Following:

   Katherine M. Porter, an associate professor of law at the University of Iowa, conducted a recent study of 1,733 foreclosures that began in 2006. The study found that 40 percent of creditors foreclosing on borrowers did not show proof of ownership, what is often called “proper assignment” of the note or security interest in the property.

      Homeowners naturally look to judges to stop banks and mortgage lenders from seizing troubled borrowers’ homes without supplying proof that they actually owned the note when they began foreclosure proceedings. And with foreclosures soaring, some judges are sympathetic.

      Courts in Ohio have recently dismissed cases where ownership of the note underlying the mortgage has not been proved by lenders seeking foreclosure. Last October, Christopher A. Boyko, a federal judge in Cleveland, dismissed 14 such cases.   

    

Our Show Cause Kit has the Proof of Ownership 
defense along with several other 
powerful legal defense strategies in 
easy to follow - fill in yourself format. 
You will be ready to go into court 
and have the greatest chance for success.


Challenging Proof of Ownership is 
Called an Affirmative Defense

This Package Includes Several Additional
Powerful Defenses that Can Be Used 
to Delay the Auction of Your Home

Have you been a victim of Subprime or Predatory Lending?

• Charged Excessive Interest Rates?
  

• Charged All Kinds of Junk Fees on Your Loan?
  

• Crooked Appraisal Values?
  

• Sold on a Mortgage You Could Not Possibly Afford?
  

• Excessive Pre-Payment Penalties on Your Loan?
  

• Unnecessary Refinancing?

Mortgage Brokers and Real Estate Brokers are professionals. This means they are trained and licensed. Unfortunately in the feeding frenzy in the housing market of the past few years, many of these trained professionals violated the law and caused substantial harm to many homeowners. 

They are responsible if they did not behave in an honest and ethical manner. We will show you how to have your closing documents examined to determine if you were a victim of Predatory Lending or Broker Misrepresentation.

These are additional significant affirmative defenses which can be used in court to halt the auction of your home. We will show you how. You may even be awarded damages from the lending bank if their Loan Originator representative behaved inappropriately.

More Important Information

      Many judges are very kind and lenient with individuals who file their court paperwork Pro Se or on their own without a lawyer as is your constitutional right. 

    However in most cases, your chances for success are  greater when a lawyer represents you in court. 

    Well guess what. Lawyers use our Show Cause Kit using our exact format all the time and do very well in court. With our Show Cause Kit, you will be able to go to any lawyer, even the worst lawyer and hand him or her a ready to go package and negotiate a huge discount in your legal fee. Your chances for success have just gone from great to excellent.

  Another excellent money saving strategy is before filing, have a lawyer review your paperwork for a small fee.

    And you are wondering, how much is the Show Cause Order part of the Do-It-Yourself Stop Auction Toolbox going to cost? 

How Much Would You Pay Right Now
To Have an Excellent Chance to Stay
In Your Home for Months or Even Years?


How Much Would You Pay 
To Save Yourself $1,000's of 
Dollars in Legal Fees? 


   Well, if you like what you have read so far, put your credit card away for now and please continue reading.
        _____________________________________________

Part 2 of the 
Stop Auction Toolbox

How to File an Initial 
Chapter 13 Bankruptcy 

So many people whose home is about to be auctioned do not know they can at least temporarily halt the auction. 

They do not know that they can take advantage of the very powerful United States Bankruptcy laws and halt an auction even minutes before the auction.

Then there are those people who know filing Bankruptcy stops an auction but mistakenly believe it is very complex and expensive. 

Well, just about any homeowner 
anywhere in the United States 
can stop the auction 
of their home with $90 and about 
15 minutes of easy paperwork.

To tell you the truth, the best thing you can do is shell out $3,000 for a competent bankruptcy attorney and let him do all the work. 

But can you do your Bankruptcy filing on your own? Sure you can. You can learn everything you need to know. You can order the Stop Auction Toolbox and learn all you need to know to file the initial paperwork to stop an auction.

Or, on your own, you can read books, you can surf the net and wade through hours and hours of material on bankruptcy, most of which is general in nature.

But, how much is your time worth? How much stress are you willing to go through?

The Bankruptcy Section of the Stop Foreclosure Auction Toolbox will give you everything you need once you make the decision to file bankruptcy to halt your auction.

The Bankruptcy Part of the Our Kit  INCLUDES:

fill in the blank Forms

ready to go templates

Full Instructions on How To Fill In Your Forms

How to File Your Paperwork in Bankruptcy Court

Again, How Much Would You Pay Right Now
To Have an Excellent Chance to Stay
In Your Home for Months or Even Years?


How Much Would You Pay 
To Save Yourself $1,000's of 
Dollars in Legal Fees? 

The "Stop Foreclosure Auction Toolbox" System Includes:  Two Information Filled
Easy to Follow
Step-by Step
E-Books: 

 

		Book 1 - Exactly How to File A Temporary Restraining Order Against the Bank Fill in the Blank Forms Ready to go Templates Full Instructions on  How To Fill In Your Forms How to File Your Paperwork in Your Local State Court
		Book 2 - Exactly How to File an Initial Chapter 13 Bankruptcy Fill in the Blank Forms Ready to go Templates Full Instructions on  How To Fill In Your Forms How to File Your Paperwork in Federal Bankruptcy Court

It is definitely best to get a lawyer if you can afford one. Lawyers charge $3,000 to $4,500 to prepare a bankruptcy filing and about the same for an Order to Show Cause. 

But guess what, most lawyers have never filed a bankruptcy nor a Show Cause to stop a foreclosure auction. Sure they can do it. They will take your money and quickly research how to get it done.

Well, how would you like to be able to go to a lawyer and say, my paperwork package is done, I just need you to check it and file it. First this shows you know what you are doing. Then you are in a position to negotiate - to get the most for your money. 

Our Kit is Powerful. 
With our package you can hire a lawyer 
fresh out of law school and 
you'll hit the ball out of the ballpark. 

Unless you find a lawyer who is an expert in foreclosure, we guarantee if you show this package to most lawyers, they will be impressed, really impressed. They will ask, "where did you get this?"

NOTE: For homeowners in Non-Judicial foreclosure states, where the foreclosing lender does not have to go through the court system to foreclose and auction a property, one cannot simply submit a Show Cause Order. 

One must initiate a lawsuit and then file the Show Cause Order to request a temporary halt to the auction while the lawsuit is decided.

Some of the Non-Judicial states are California, Nevada, Texas, Arizona, Georgia, Virginia.

Sample Representative Lawsuit 

Of course, this is a simplified version of the legal document that begins a lawsuit. Our kit goes into much greater detail with full sample lawsuit paperwork and fill in forms along with full instructions.

When the offending lender who is foreclosing on your property is hit with your lawsuit, everything will stop. The bank is now on the defense and you are potentially in control of the outcome. One could theoretically drag a properly prosecuted lawsuit on for years.

Looks hard right? Don't worry. Follow our step-by-step instructions, use our fill-in templates, tell your story and your lawsuit is ready to go.

Homeowners in states where the foreclosing bank does not need to go through the court system will need to initiate a lawsuit against the lending bank. And we'll show you how.

In all cases, it is best to begin any legal action well before the auction takes place.

In Judicial states (where the foreclosure must go through the court system) especially when the bank is the high bidder at the auction and takes the home back, when faced with a potentially long and drawn out legal battle, the bank will sometimes re-open negotiations with the homeowner to work out some solution for the homeowner to remain in the home.

Additionally, in their legal action against the bank, the homeowner will ask that they be allowed to remain in the home until the legal issues are settled.

Then, there is the possibility, for example even after an auction, where the legal action brought by the homeowner asks that the bank prove ownership of the note and mortgage and the bank fails to do so, the entire foreclosure case might possibly be dismissed and the auction voided.

In Non-Judicial states however, it is almost impossible to set aside an auction by going to court unless the homeowner can show there was some kind of fraud in the auction process itself. 

But even in a Non-Judicial foreclosure, when a lawsuit is raised by the homeowner after the auction, it is possible the court will allow the homeowner to remain in the home while the lawsuit is decided.

You have already received lots of invaluable information for free. When you actually order the kit and see what is inside, you will be blown away - I promise.

npcomments--> The stop contains very powerful, very serious legal material. If you choose, you can use our educational material but we recommend you learn as much as you can and then get a lawyer.

How hard is it to learn this material? It takes some study and concentration but it is not that difficult. Some people will start on the journey to understanding their rights in the legal system and tie up the banks for years.

Some people may need assistance studying this material. You can learn on your own or with help.

Thank your lucky stars you landed
at this website today. You have a rare
opportunity that most people
in foreclosure will never know about.

What is the value of being in the driver’s seat with your foreclosure process? To know the bank cannot take your home until the legal counter attack that you control has run its course.

How much is your Peace of Mind worth? You will know with confidence that you can remain in your home for at least another year and in some cases for many years while you keep the bank tied up in court? When was the last time you had a good night’s sleep?

How much is more time in your home worth? You will have more time to negotiate a Loan Modification or Short Sale. You will have more time to keep your home on the market if you are trying to sell.

And if the housing market goes up, the value of your home will go up along with your equity. You will have a much better chance to resolve your foreclosure but you need to keep your house.

What is it worth to save thousands in legal fees? How much rent will you save by staying in your house longer. What is it worth to have time to focus on other serious problems in your life because you know with confidence you have much more time to remain in your home?

Instead of waiting for the shoe to fall, that dreaded day when your home is sold at public auction and the Sherriff comes to evict you and your family, you will have the full power and authority of the United States Bankruptcy Court behind you. You will have the full power and authority of your State Civil Court behind you.

The banks and Wall Street thought they were smart when they unleashed their toxic mortgages on the American public. Now it is your turn to outsmart the banks at their own game by using the American Legal System.

They are taking people’s homes with brutal efficiency. Now you will be able to throw a huge monkey wrench into the process. It is your right and it is 100% legal.

Suppose we charged you the equivalent of one month’s mortgage payment.  Suppose we charged $1,500 or $500. Would this material be worth it for you? We can answer that question. ABSOLUTELY.

We will be raising the price
shortly but for now,
the price for the complete
Stop Foreclosure Auction Toolbox
is only $79.

That is $6.58 per month if you use the material and get one more year in your home. And remember some enterprising foreclosed homeowners will use this material and stay in their home for many years.

Order the Stop Foreclosure Toolbox
right now
and get started learning
how to outsmart the banks.

You can use this material and literally
stop any auction Tomorrow.

 

But it is best if you allow yourself some time to study the material. Order right now and start learning. The more you learn, the longer you will stay in your home.

 

The clock is ticking.
The auction is racing towards you.
Don’t wait until it is too late.

We Guarantee when you order the Stop Foreclosure Auction Toolbox, you will have your first good night of sleep in a long time. Your strength and courage will come back.

We guarantee you will feel blessed
the moment you download and read this book.

How To Get Started Right Now...
    ImmediateDownload - Instant Access!
It doesn't matter if it's 2:00 am in the morning!

.

 

People love the Stop Foreclosure Auction Toolbox. Don’t be surprised if you don’t order now and come back to this website and find the cost has increased to $149.

   

A final note. We work with distressed homeowners every day. We understand some will not even be able to afford $79. If you really cannot afford the book, send us a short letter of explanation and we will discount the book or even give it to you for free.

 

You can pay us later when you get back on your feet or even simply keep the book and have a good life. We sleep good at night knowing we are helping to reduce the pain and suffering of so many people caught up in the foreclosure crisis.

 

 

Copyright © All Rights Reserved Worldwide
No portion of this website's graphics or
text may be reproduced without written permission!

Revision 7.0.773