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			<title>American Foreclosure Specialists</title>
			<link>http://www.afscanhelp.com/</link>
			<description>Helping United States homeowners avoid foreclosure or completely stop foreclosure on their houses.  Foreclosure is a complicated and stressful event, expert advice and assistance from trusted foreclosure experts at American Foreclosure Specialists.</description>
			<language>en-us</language>
			<pubDate>Thu, 24 Dec 2009 10:37:19 -0600</pubDate>
			<lastBuildDate>Thu, 24 Dec 2009 10:34:00 -0600</lastBuildDate>
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			<docs>http://blogs.law.harvard.edu/tech/rss</docs>
			<managingEditor>michael@afscanhelp.com</managingEditor>
			<webMaster>michael@afscanhelp.com</webMaster>
			
			
			
			
			
			<item>
				<title>Need them to hold off</title>
				<link>http://www.afscanhelp.com/blog/2009/12/need-them-to-hold-off.cfm</link>
				<description><![CDATA[
				I just need them to hold off until I get my taxes so I can catch the past due amount up. Will a forbearance or repayment plan stop the foreclosure? Wells Fargo acts like they won't help. They want their money now. If I had it, I would give it to them.
				
				]]></description>
				
				<category>Forbearance</category>
				
				<category>Wells Fargo</category>
				
				<category>Foreclosure Help</category>
				
				<category>Foreclosure Information</category>
				
				<category>Indiana Foreclosure</category>
				
				
				<category>indiana</category>
				
				<category>wells fargo</category>
				
				<pubDate>Thu, 24 Dec 2009 10:34:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/12/need-them-to-hold-off.cfm</guid>
				<author>Robert</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>Can anybody help stop foreclosure?</title>
				<link>http://www.afscanhelp.com/blog/2009/12/can-anybody-help-stop-foreclosure.cfm</link>
				<description><![CDATA[
				We are working on a loan modification with Indy Mac but I am nervous about foreclosure. Please, can anybody help stop the foreclosure process? 
thanks
				
				]]></description>
				
				<category>Indymac</category>
				
				<category>Foreclosure Help</category>
				
				<category>Foreclosure Information</category>
				
				<category>Washington Foreclosure</category>
				
				<category>Loan Modification</category>
				
				
				<category>washington</category>
				
				<category>indymac bank</category>
				
				<pubDate>Thu, 24 Dec 2009 10:31:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/12/can-anybody-help-stop-foreclosure.cfm</guid>
				<author>Kevin</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>Don&apos;t want Deficiency Judgment</title>
				<link>http://www.afscanhelp.com/blog/2009/12/dont-want-deficiency-judgment.cfm</link>
				<description><![CDATA[
				My wife and I built our dream house in 2007, then my employer forced me to move in 2008. We tried renting and selling the house to no avail. Currently, we are 8 months past due, and I am not sure what America's Servicing Company is doing; however, I have received a foreclosure notice from ASC's attorney. My primary goal is to get out of the loan without a deficiency judgment. Will a short sale or Deed in Lieu accomplish that?
				
				]]></description>
				
				<category>Judgements</category>
				
				<category>Americas Servicing Company</category>
				
				<category>Foreclosure Help</category>
				
				<category>Foreclosure Information</category>
				
				<category>Oklahoma Foreclosure</category>
				
				<category>Deed In Lieu of Foreclosure</category>
				
				
				<category>americas servicing company</category>
				
				<category>oklahoma</category>
				
				<pubDate>Thu, 24 Dec 2009 10:27:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/12/dont-want-deficiency-judgment.cfm</guid>
				<author>Jonathan</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>Suntrust won&apos;t work with my Attorney</title>
				<link>http://www.afscanhelp.com/blog/2009/12/suntrust-wont-work-my-attorney.cfm</link>
				<description><![CDATA[
				I am on a forbearance agreement with my lender who is Suntrust. I have a law firm working on a loan modification but they are not doing to good for me. I have paid them money and that's why I got behind on the last 2 month since October I was only 1 and half months behind before I started with the law firm and I could not pay both Suntrust and the law firm at the same time, they said that they would be able to help me and now they are telling me that Suntrust wont budge to do a loan mod and I just got a call from the guy at Suntrust he left me a message saying that he is going to start the foreclosure as of tomorrow because I have not made a payment I want to start paying them with my next paycheck. I will allow them to take the money out of my account automatically but the past due amount is too much for me to handle its about $10,000. I will be going to court for my fiance he is out of work hurt and has no income at all but he is getting SSD. We go to court to settle the case that may take a month to go through though he is owed a couple years of money for waiting to get on the SSD. I will be able to afford the payments until that happens but I need them to be willing to work this out with me and I would love for them to put the past due amount in the back end of the mortgage with a partial claim and I will keep up with the payments. I know that there is help out there. My law firm told me that they would get back to me but I am not sure on what to do. I just want to get this worked out. Should I call Suntrust back or should I let the law firm call them back. I want to call them but I don't want to mess anything up that my law firm might be doing. I have 2 children and I lived in my house for 10 years I cant go through this I worked too hard for my home and losing it is not an option.
				
				]]></description>
				
				<category>Suntrust Mortgage</category>
				
				<category>Pennsylvania Foreclosure</category>
				
				<category>Partial Claim</category>
				
				
				<category>pennsylvania</category>
				
				<category>suntrust mortgage</category>
				
				<pubDate>Thu, 24 Dec 2009 10:20:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/12/suntrust-wont-work-my-attorney.cfm</guid>
				<author>Leah</author>
				
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			<item>
				<title>Can I get a forbearance?</title>
				<link>http://www.afscanhelp.com/blog/2009/12/can-i-get-a-forbearance.cfm</link>
				<description><![CDATA[
				I fell behind when I wasn't working, but now GMAC says I make too much money to re negotiate my terms. They told me today my house was going up for sale. Can I get a repayment plan like a forbearance or FHA partial claim?
				
				]]></description>
				
				<category>GMAC</category>
				
				<category>Forbearance</category>
				
				<category>Michigan Foreclosure</category>
				
				<category>Partial Claim</category>
				
				<category>Repayment Plan</category>
				
				
				<category>michigan</category>
				
				<category>gmac</category>
				
				<pubDate>Thu, 24 Dec 2009 10:05:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/12/can-i-get-a-forbearance.cfm</guid>
				<author>Jeff</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>Just Scared</title>
				<link>http://www.afscanhelp.com/blog/2009/12/just-scared.cfm</link>
				<description><![CDATA[
				Just scared. Death in family, husband-just now employed after 1 year unemployed, multiple factors(stock market,health,lots of mistakes)took us down. Want out of house...need one month. We have 3 kids and ruined credit.
				
				]]></description>
				
				<category>EMC</category>
				
				<category>California Foreclosure</category>
				
				
				<category>california</category>
				
				<category>emc</category>
				
				<pubDate>Thu, 24 Dec 2009 10:01:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/12/just-scared.cfm</guid>
				<author>Helen</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>We want out of home</title>
				<link>http://www.afscanhelp.com/blog/2009/12/we-want-out-of-home.cfm</link>
				<description><![CDATA[
				We purchased our home in 2007. My house has been on the market since August 2009. We both commute from PA to our jobs in NJ. We no longer wish to live in PA and cannot find financially viable jobs in PA. Our home is not moving as it is in competition with the many foreclosures in the area. We will not be able to afford our payments much longer as I will have to settle for a lower paying job in PA in order to enroll my son in school out there. Wells Fargo won't help with a short sale or deed in lieu of foreclosure. HELP.
				
				]]></description>
				
				<category>Wells Fargo</category>
				
				<category>Foreclosure Help</category>
				
				<category>New Jersey Foreclosure</category>
				
				<category>Pennsylvania Foreclosure</category>
				
				<category>Deed In Lieu of Foreclosure</category>
				
				
				<category>pennsylvania</category>
				
				<category>new jersey</category>
				
				<category>wells fargo</category>
				
				<pubDate>Thu, 24 Dec 2009 09:57:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/12/we-want-out-of-home.cfm</guid>
				<author>Kara</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>I can&apos;t do this alone.</title>
				<link>http://www.afscanhelp.com/blog/2009/12/i-cant-do-this-alone.cfm</link>
				<description><![CDATA[
				Bank of America told us we were in a Modification gave us the negotiator's name and when they expected it to close. We received a letter from Bank of America's Attorney stating a sale date. Bank of America postponed the sale. They told us for 30 days I got paperwork from the Attorney that postponed for 5 days. Bank of America stopped the sale. Said we were in loan modification and were pre-approved for a 31% modification. I received an advertisement from an attorney wanting to file an injunction for us he had gotten our name off of public record that our house was to be sold. I called Bank of America and asked them they said we were in modification and there was no sale date. But if I could get Bank of America to send an email they would stop the sale. I worked for 3 days to get them to send a email the the Lawyer. I can't do this alone.
				
				]]></description>
				
				<category>Bank of America</category>
				
				<category>Tennessee Foreclosure</category>
				
				<category>Loan Modification</category>
				
				
				<category>bank of america</category>
				
				<category>tennessee</category>
				
				<pubDate>Thu, 24 Dec 2009 09:52:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/12/i-cant-do-this-alone.cfm</guid>
				<author>Rhonda</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>Temporary Lapse of Employment</title>
				<link>http://www.afscanhelp.com/blog/2009/12/temporary-lapse-of-employment.cfm</link>
				<description><![CDATA[
				Temporary lapse of employment caused me to fall behind in my mortgage payment. I am a schoolteacher. There was a hiring freeze this past summer 2009. I am now working regularly again in addition to other part time and per diem employment. When school restarted, my employment restarted. I want to keep my home. Bank of America has reassigned my account to a government workout negotiator. Apparently, I did not qualify for the Making Home Affordable plan, so my info was reassigned. I have a hearing in two weeks. So can you help me?
				
				]]></description>
				
				<category>Bank of America</category>
				
				<category>North Carolina Foreclosure</category>
				
				
				<category>north carolina</category>
				
				<category>bank of america</category>
				
				<pubDate>Thu, 24 Dec 2009 09:48:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/12/temporary-lapse-of-employment.cfm</guid>
				<author>Rickie</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>I need help catching up</title>
				<link>http://www.afscanhelp.com/blog/2009/10/i-need-help-catching-up.cfm</link>
				<description><![CDATA[
				Need help immediately...but not sure if I can trust anyone. For that matter just scared of losing money that I don't have in the first place!! I can afford my payments now. It would be great to put all the missed payments at the end of the loan, but all I need is a loan forbearance or repayment plan of some kind to catch up what I am behind.
				
				]]></description>
				
				<category>Chase Manhattan</category>
				
				<category>New Jersey Foreclosure</category>
				
				<category>Loan Forbearance</category>
				
				<category>Repayment Plan</category>
				
				
				<category>chase manhattan</category>
				
				<category>new jersey</category>
				
				<pubDate>Fri, 30 Oct 2009 10:22:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/10/i-need-help-catching-up.cfm</guid>
				<author>Jessica</author>
				
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			<item>
				<title>My ARM will go up soon</title>
				<link>http://www.afscanhelp.com/blog/2009/10/my-arm-will-go-up.cfm</link>
				<description><![CDATA[
				We have been late on our mortgage many months as both of our retirement checks arrive the third Wednesday of each month. We are able to afford the payment, but the late fees are adding up and going against our credit report. Our adjustable rate mortgage is up in six months and we are afraid of losing our house then. I have asked numerous times to change our due date and have been unable to get that done. We are also in the process of a bankruptcy as we have lost our business. My husband has gone back to work full time. What i really need is a loan modification to keep my ARM from going up. I hope you can help us some how.
				
				]]></description>
				
				<category>Bankruptcy</category>
				
				<category>Credit</category>
				
				<category>Adjustable Rate Mortgage</category>
				
				<category>New York Foreclosure</category>
				
				<category>Loan Modification</category>
				
				
				<category>americas servicing company</category>
				
				<category>new york</category>
				
				<pubDate>Fri, 30 Oct 2009 10:17:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/10/my-arm-will-go-up.cfm</guid>
				<author>Jacqueline</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>Is it better to let my house go?</title>
				<link>http://www.afscanhelp.com/blog/2009/10/better-let-my-house-go.cfm</link>
				<description><![CDATA[
				We tried several times to get a loan modification with Indymac and even submitted a complaint to the Office of Thrift Supervision. They made a determination that it was more costly to help us remodify our loan than to let our house go on foreclosure. I don't understand this, it does not make sense. Is it better to let my house go?
				
				]]></description>
				
				<category>Indymac</category>
				
				<category>Maryland Foreclosure</category>
				
				<category>Loan Modification</category>
				
				
				<category>maryland</category>
				
				<category>indymac bank</category>
				
				<pubDate>Fri, 30 Oct 2009 10:12:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/10/better-let-my-house-go.cfm</guid>
				<author>Elizabeth</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>What can be done to avoid foreclosure?</title>
				<link>http://www.afscanhelp.com/blog/2009/10/what-can-done-avoid-foreclosure.cfm</link>
				<description><![CDATA[
				I have an adjustable rate mortgage that Bank of America refuses to modify to a fixed rate. Currently I can afford payments but when interest rates rise we will be priced out of our home. Seeking advisement on what can be done to avoid foreclosure.
				
				]]></description>
				
				<category>Bank of America</category>
				
				<category>Adjustable Rate Mortgage</category>
				
				<category>Avoid Foreclosure</category>
				
				
				<category>bank of america</category>
				
				<category>california</category>
				
				<pubDate>Fri, 30 Oct 2009 10:06:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/10/what-can-done-avoid-foreclosure.cfm</guid>
				<author>Kevin</author>
				
			</item>
			
		 	
			
			
			<item>
				<title>I want foreclosure help</title>
				<link>http://www.afscanhelp.com/blog/2009/10/i-want-foreclosure-help.cfm</link>
				<description><![CDATA[
				I would like to restructure or modify my mortgage to a more manageable monthly payments. I don't want to have to do bankruptcy and ruin my credit. All I want is some foreclosure help to get a loan modification that will lower my interest rate.
				
				]]></description>
				
				<category>Bankruptcy</category>
				
				<category>Wells Fargo</category>
				
				<category>Credit</category>
				
				<category>Foreclosure Help</category>
				
				<category>Indiana Foreclosure</category>
				
				<category>Loan Modification</category>
				
				
				<category>indiana</category>
				
				<category>wells fargo</category>
				
				<pubDate>Fri, 30 Oct 2009 10:01:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/10/i-want-foreclosure-help.cfm</guid>
				<author>Sandra</author>
				
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			<item>
				<title>in the eviction process</title>
				<link>http://www.afscanhelp.com/blog/2009/10/in-the-eviction-process.cfm</link>
				<description><![CDATA[
				I have a 1st & 2nd mortgage on my home. The 2nd mortgage is up to date. The lender for the 1st mortgage placed us into foreclosure four months ago. We have attempted three time to get a loan modification from the lender. Recently, while supposedly working with us on a modification, the lender allowed the foreclosure sale to proceed and now we have received a notice requesting possession. It sounds like I am in the eviction process. Can I still do bankruptcy? How will this affect my credit?
				
				]]></description>
				
				<category>Bankruptcy</category>
				
				<category>Credit</category>
				
				<category>Eviction</category>
				
				<category>Aurora Loan Services</category>
				
				<category>Arkansas Foreclosure</category>
				
				
				<category>arkansas</category>
				
				<category>aurora loan services</category>
				
				<pubDate>Fri, 30 Oct 2009 09:56:00 -0600</pubDate>
				<guid>http://www.afscanhelp.com/blog/2009/10/in-the-eviction-process.cfm</guid>
				<author>Otis</author>
				
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