______________________________________

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 house. 

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.

Here is an interesting story ... 

   On February 14, 2008, then Governor and former Attorney General of the state of New York, Eliot Spitzer published an article in the Washington Post. Exactly 21 days later Spitzer was history. 

   Yes he did something unthinkably dumb by visiting the call girl, but guess what, most of the big wigs up at the top do these kinds of things. It's only when they threaten the bigger fish that the dirt that they have on all of them is exposed. 

Governor Spitzer named the Predatory Lenders and the Bush Administration as "Partners in Crime" ...

Here is what Eliot Spitzer had to say  21 days before he was taken out...

Washington Post February 14, 2008, Predatory Lenders' Partners in Crime 
How the Bush Administration Stopped the States from Stepping In to Help Consumers 

"Several years ago, state attorneys general and others involved in consumer protection began to notice a marked increase in a range of predatory lending practices by mortgage lenders. 

Some were misrepresenting the terms of loans, making loans without regard to consumers' ability to repay, making loans with deceptive "teaser" rates that later ballooned astronomically, packing loans with undisclosed charges and fees, or even paying illegal kickbacks. 

Even though predatory lending was becoming a national problem, the Bush administration looked the other way and did nothing to protect American homeowners. In fact, the government chose instead to align itself with the banks that were victimizing consumers.

Not only did the Bush administration do nothing to protect consumers, it embarked on an aggressive and unprecedented campaign to prevent states from protecting their residents from the very problems to which the federal government was turning a blind eye."

21 days later Spitzer was history ...

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 child 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 Order 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 adjective 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 I am 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 or 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 3 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 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 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:

		This Easy Step-by-Step Guide Includes Exact Instructions For Filing a State Court Action to Delay the Auction of Your Home
		This Easy Step-by-Step Guide Includes Exact Instructions For Filing an Initial Chapter 13 Bankruptcy to Instantly Stop a Home Auction

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. 

We guarantee if you show this package to most lawyers, they will be impressed, really impressed. They will ask, "where did you get this?"

A Note About Judicial vs. Non-Judicial Foreclosure

Judicial Foreclosure: Judicial means relating to the court system. In many states, Judicial states, the foreclosing bank is required by law to go into court and begin a foreclosure lawsuit and then obtain a foreclosure judgment in order to ultimately auction your property.

Examples of Judicial States are: New York, New Jersey, Florida, Illinois, Massachusetts, Connecticut, Pennsylvania, Ohio, Maryland and Louisiana among others.

To be honest, the State Court Action part of the Stop Auction Toolbox is easier to use in Judicial States. The Bankruptcy part of the kit is Federal and works equally well in all states.

Non-Judicial Foreclosure: In Non-Judicial Foreclosure states, the foreclosing lender is not required to go through the court system with a foreclosure lawsuit. 

In these states, lenders are permitted by state law to simply auction your property after properly notifying you, once you have gone into default on your loan. The auction is often called the Trustee Sale.

To file an auction stopping Order to Show Cause in a Non-Judicial Foreclosure, one must first file a lawsuit.

The Stop Auction Toolbox will show you what is involved in starting a lawsuit against your foreclosing lender with easy step-by-step instructions, samples and fill-in templates.

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 should 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 before the auction takes place. Remember, if time is short, a Chapter 13 Bankruptcy is 99.9% guaranteed to stop an auction even if it is filed 1 minute before the auction. 

Can One Recover Their Home 
Once It is Sold at Auction? 
Often Yes. 

In Judicial states (where the foreclosure must go through the court system) the chances are much greater to recover a home after auction. The homeowner must go into court and initiate legal action against the foreclosing lender.

This is especially true when the bank is the high bidder at the auction and takes the home back. 

This is the bank's worst nightmare, when the homeowner files a court action. When faced with a potentially long and drawn out legal battle, the bank will often reopen negotiations with the homeowner to work out some solution for the homeowner to retain the home.

At the very least, 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 and this can sometimes take a long long time.

The Stop Auction Toolbox will discuss 
these techniques in detail with step-by-step instructions on how to proceed.

You already received lots of invaluable information - at no charge. 

When You Actually Order the Kit and See What is Inside, You Will Be Blown Away - We Promise.

The Stop Foreclosure Auction Toolbox Contains Very Powerful, Very Serious Legal Material. 

Nothing Like this has Ever Been Done Before
You Will NOT Find this Material Anywhere Else.

If you choose, you can use our educational material and go into court on your own, but we recommend you learn as much as you can and then get a lawyer.

How hard is it to learn and use the Stop Foreclosure Auction Toolbox material? It will take some study and concentration but it is not that difficult.

You will start on the journey to understanding your rights in the legal system. Some people will dive in and learn to tie up the banks for years. It is all about how deep do you want to go.

The 
Stop Foreclosure Auction 
Toolbox

	These Legal are Very Powerful and they WORK.
	With Chapter 13 Kit - Stop Up To Two Auctions with Near 99.9% Certainty.
	With Proof of Ownership Defense - There is Real Possibility the Entire Foreclosure Lawsuit Can Be Dismissed.
	Learn to Outsmart the Highly Paid Attorneys moving Against You. (BTW you are paying their fees.)
	Reduce Stress, Frustration, Anxiety, Fear and Uncertainty about Your Auction.
	Gives You the Breathing Room to Work Out Other Alternatives.
	Put the Foreclosing Lender on the Defensive Increasing Your Ability to Negotiate.
	Get Things Moving on Your Timetable Instead of the Bank's Timetable.
	Places You in Control - You Will Be In the Legal Drivers Seat.
	When the Foreclosure Consultants Call - Promising to Stop Your Auction - for a Large Fee, You Will Know More than Them About the Legal Process of Halting an Auction.
	Master this Material & You Will Have the Confidence to Exercise Your Legal Rights.
	Enables You to Use a Lawyer Strategically - Potentially Saving You $1,000 in Legal Fees

  Now, for the first time ever, you can create customized Legal Documents specifically to HALT Foreclosure Auctions using fill-in-the-blank templates and step-by-step instructions.

The Stop Foreclosure Toolbox is for the homeowner in foreclosure who is serious about understanding his or her legal options and achieving breakthrough results.

You Have a Rare Opportunity That Most Foreclosed Homeowners  Will Never Discover. The Price … $79 (Click Here to Order)

The Stop Foreclosure Toolbox comes in Two E-Books with Blank Forms, Samples and Step-by-Step Instructions in  Adobe PDF (E-books) and Customizable Microsoft Word Documents - everything you need. 

Your order is processed immediately and you'll get a receipt for your $79 purchase with a transaction number. You will automatically be taken to the website where you can INSTANTLY download the complete Stop Foreclosure Toolbox. 

Six months longer in your home, might be worth $1,000's of Dollars to you. Well, this is exactly what the Stop Foreclosure Toolbox is offering. 

$79 over six months comes out to about 44 cents a day, $3.08 per week or $12.32 per month.

Every Day That Passes By…
And You Do Nothing 
Costs You Money.

How To Get Started
Right Now... 

When you click on the blue order link below, you'll be taken to the Stop Foreclosure Auction Toolbox order page. Once you read our legal disclaimer you will click the order button at the bottom and be taken to a secure order page for your credit card information.

We use PAYPAL - The trusted, highly secure online payment processor. Your order information is completely confidential. Only PAYPAL and your bank access the information.

Your order is processed immediately and you'll get a receipt for your $79 purchase with a transaction number. You will automatically be taken to the website where you can INSTANTLY download the complete Stop Foreclosure Toolbox. 

(Click Here to Order)

Immediate Download - Instant Access!
It doesn't matter if it's 5:00 am in the morning!


Order NOW

 

Thank you for visiting our website today. Please share your success stories with us.

Best Wishes,

Terms & Conditions

The Stop Foreclosure Auction Toolbox
North American Foreclosure Solutions
87-01 Midland Parkway, Jamaica Estates, NY 11432
e-mail  admin@foreclosure777.com
Phone 800 314-1214 
Business Hours Monday - Friday 11am - 7pm Eastern Standard Time
Note: Due to high call volume it is best to e-mail your questions. 
However, we will make every effort to respond to telephone inquiries within 24 hours.