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          Are you considering foreclosure? Are you considering bankruptcy? I am. Real estate has gotten me in a huge mess financially, and I am exploring my options. Read through my blogs for all the juicy details and to find out all that I learn along the way; and I'll tell you, I am learning a lot. I have talked with lawyers about bankruptcy and about foreclosure and about garnishment; and I have talked with bank customer service representatives and with collection agency representatives... I have talked with a lot of people and will be talking with more people tomorrow and the next day. Who knows, what I learn might help you if you are in a similar situation. Also, I'd love to hear from you if you have any advice or tips - perhaps you have already been through this and have answers. Let me know. Email me (Noah@ShortOnChange.com) or post comments on my blogs. I look forward to hearing from you.
 
Recent Blog Entries on ShortOnChange.com
4 Last Ditch Effort to Avoid Foreclosure (09/04/08)   Noah has about 30 days before his house closes in foreclosure. As a desperate last effort to avoid foreclosure, he has decided to hand out fliers at real estate auctions in the area looking for investment partners. He needs about ten of them at about $100,000 each. It is a long shot, but it could happen.
4 Back After Hurricane Gustav (09/04/08)   Noah is back at his house after Hurricane Gustav came ashore as a Category 3 hurricane. See how his property fared and read his insights on natural disaster preparation.
4 Not Paying the Piper Just Yet (08/29/08)   Noah is facing Foreclosure, Bankruptcy, a Small Claims Court judgment...and now Hurricane Gustav. His luck is just getting better and better. With the real estate market doing so poorly, another hurricane like Hurricane Ivan in 2004 which wiped Noah out the first time will surely do little to improve his chances of pulling himself out of this mess...
4 Paying the Piper (08/26/08)  The opposing attorneys from the Small Claims Court judgment have scheduled a deposition with Noah. Noah, however, has other plans...
4 Property Taxes on Foreclosure Properties (08/21/08)  Even though Noah has three properties in foreclosure, he is still liable for the real estate property taxes on these houses (and condos). He got the bills today...
4 Deposition Paperwork (08/20/08)  Noah received a notice from the Small Claims Court case asking for documentation of his assets for the upcoming deposition. They are asking for a lot of documentation...
4 Filing Chapter 13 Bankruptcy (08/18/08)  Noah looks again at the options for filing bankruptcy. He would have to file for Chapter 13, and  Chapter 13 certainly does not look appealing...
4 Noah Needs a Bailout (08/17/08) With all of the bailouts going on in Washington and on Wall Street, Noah needs one on Perdido Key... and he needs it soon. Every little bit helps.
4 Find Low Gas Prices in Your Area (08/14/08)  This nifty little widget looks for gas prices by your zip code. Maybe it can help you save a few pennies a gallon.
4 I tried to buy a new home. (08/11/08)  Back in January of 2008, just a couple of months after he stopped making his mortgage payments, Noah tried to buy a cheaper house as a place to move while his home went back in foreclosure. Read how it went...
4 Book Section Added to Website (08/10/08)
4 Credit Management Section Added to Website (08/10/08)
4 Is bankruptcy really so bad an option? (08/06/08)  With all of his legal problems mounting from his financial problems, Noah is in a constant re-evaluation of bankruptcy.
4 Noah's Legal Bills (08/02/08)  When your finances go down, count on your legal bills to go up. Noah is keeping a tally of what his are mounting to. See how much the bill is...
4 Deposition Requested (07/30/08)
4 Notice of Foreclosure Hearing (07/29/08)
4 Noah Made it to National Television (07/24/08)  Canadian national television is worried about the U.S. real estate and mortgage problems spilling into their markets. Their worries got Noah a spot on their national television.
4 Freddie Mac and Frannie Mae Bailout Legislation (07/23/08)
4 Notice of Compliance to Request for Production; Legal Jargon For... (07/22/08)
4 Wells Fargo's HopeNow Letter (07/22/08)
4 Budgets Suck! (07/21/08)  Noah is quick to notice that budgets are not nice. He has instead resigned himself to moderate his spending and strive for making more money...
4 Absolute Auctions - Cheap Real Estate! (07/20/08)  With an absolutely awful real estate market, real estate auctions are taking place more and more often, especially along the Gulf Coast. There are deals to be had if you have money.
4 How will I ever pay off all this debt? (07/19/08)  Noah explores his ideas for making tons of money to pay off his tons of debt...
4 BIG Lesson from small Claims Court (07/18/08)
4 Consequences of Small Claims Court Judgment (07/17/08)
4 Banking without a Bank (07/15/08)
4 Short Sales by Bank's Local Attorneys (07/15/08)
4 Point your finger all you want. It is going to effect you, too. (07/13/08)
4 Foreclosure Hearing (07/13/08)
4 What Should Noah Pay Off First? (07/13/08)  You can cast your vote on what Noah should pay off first if he starts liquidating his assets. 
4 Short Sales - No Longer an Option (07/11/08)
4 Liquidating Assets Before Bankruptcy (07/06/08)  If you do not liquidate your assets and pay off your debts first, the bankruptcy courts and lawyers will do it for you. Take action while you can, but be sure to consult with a lawyer first. There are serious legal implications...
4 Judgment from Small Claims Court Case (07/03/08)
4 Update on Noah's Foreclosures (07/03/08)
4 UPDATE: Chapter 7 Bankruptcy Meeting with my Lawyer (07/03/08)
4 Worries (06/30/08)
4 Chapter 7 Bankruptcy Meeting with my Lawyer (06/28/08)
4 Bidding Wars on Real Estate Once Again! (06/26/08)
4 Reverse Auction House Sale Update (06/2608)
4 FED Funds Rate Unchanged (06/25/08)
4 I Received a 'Lien in Progress' Notice (06/24/08)
4 Investing in Real Estate? (06/22/08)
4 Small Claims Court Update (06/17/08)
4 Small Claims Court (06/13/08)
4 Reverse Auction House Sale (05/31/08)
4 Another Call from a Debt Collector (05/30/08)
4 Letter to My Lawyer (05/28/08)
4 I tried to refinance today. Read how it went. (05/27/08)
4 Being Served Foreclosure Papers (05/23/08)
4 U.S. Mortgage Legislation by Chris Dodd and Richard Shelby (05/19/08)
4 Are You Interested in Investing with Others in Short Sale and Foreclosure Properties? (05/18/08)
4 No Mortgage Payment in Six Months and Still No Foreclosure (05/13/08)
4 U.S. Senate Votes to Suspend Oil Purchases (05/13/08)
4 Bank Fees (05/10/08)
4 Should I Use My Credit Cards for Everyday Expenses? (05/09/08)
4 Before You Face Foreclosure and Before You Miss a Mortgage Payment (05/08/08)
4 Freddie Mac and Loan Counseling  (05/06/08)
4 I Received a Charge Off as Bad Debt Notice Today.  (04/30/08)
   
  Best Blog Entries | All My Blogs


 
Are you interested in investing in short sale and foreclosure properties in a partnership with other investors? Click here more information.
 
 
 

     ShortOnChange.com has launched the ShortOnChange.com Financial Assistance Fund. This fund will collect money through donations and use that money to help Americans who are facing foreclosure and/or bankruptcy. Donations are accepted via PayPal. Applications for financial assistance are collected on the ShortOnChange.com website. The official launch date is March 15, 2008; but applications and donations are currently being accepted. If you need help, apply. If you can help, donate. If you would like more details, click here (details).
 
 
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          ShortOnChange.com (http://www.ShortOnChange.com) is dedicated as an outreach tool for individuals and families facing possible foreclosure or bankruptcy or both. This is especially relevant in today's economic cycle where foreclosures and bankruptcies are rapidly exceeding normal levels. People may feel overwhelmed and very alone when facing financial distress. It is important that these people have an understanding that they are not alone. This web site is meant to be a forum for those people going through foreclosure and/or bankruptcy and for those people who have already gone through the process and for those people who might just be considering their options. While professionals are encouraged to join the discussions, this site should be considered more for moral support. Reach out. Help someone. Thank you.

          Read through my blog entries (Click for Blog Pages). Add comments with your side of your story. There are surely thousands or people going through your exact situation. If you have topics that you would like included in my list of blogs for you and others to discuss, email me (Noah@ShortOnChange.com). I am more than happy to oblige. The more open and frank conversation we have, the better for everyone involved.

          If you're interested in how I got myself in my current situation, read my story on my About page.


 
 
Readers, please keep in mind that there are numerous outlets for you to explore your options. You are not alone.

One of our fellow sites is ForeclosureSupportGroup.org, and they are doing a fantastic job at welcoming people just like you into their groups for support and assistance.

My appreciation and admiration goes to Iyel at ForeclosureSupportGroup.org. Thanks Iyel.
 
 
 
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