Biraysan Library

Foreclosures Feed Family’s Fear Of Unknown

The economy crushed our neighborhood. Empty lawns, silent barbecues, and vacant driveways surrounded empty homes on our streets. I knew I was not going to be able to pay my monthly mortgage but I was paralyzed.

A medical emergency, divorce, or job loss might trigger the process. I received my Notice of Default the day I was holding my garage sale. Looking past the treadmill, books, and my lose weight fast program I was struck with reality. I sunk into a chair by my electric breast pump and stared at my strapless wedding gown.

The thought of losing our house was simply not in the cards. I am typical male that does not really listen. I just want to solve the problem. I had no experience in losing a home or more importantly how to avoid losing a home to the bank.

I got proactive. I determined who had my mortgage and contacted them to see what options I had available. Mortgages are bundled together and sold and often resold. You mortgage may now be with a company thousands of miles from the downtown bank that financed your house. FHA loans, Fannie Mae and Freddie Mac loans all have free counselors with toll free numbers.

I discovered a world of free counselors, several confusing government initiatives, and categories. There are different types of loans that offer a variety of help. Do you have an FHA loan, VA loan, or Rural Development loan? Do you know what Freddie Mac and Fannie Mae have to do with your mortgage.

Check out your state’s foreclosure rules. Ask about your redemption rights. No matter who you speak to or how informed they may be, make sure your speak to an experienced real estate attorney to confirm everything. You must know how many days you have to catch up on your back payments. You need to know if your auction date can be extended.

The process may vary from state to state. You need to check to determine if you have a one year right of redemption. The time period may be different and it may not apply to your state. Redemption rights should be established.

If you cannot come to terms with your lender your home will finally go to auction. It will likely not be purchased by a bidder who knows that after the bank takes it back they will get a steep price reduction. Whatever you do, do not sit in your attic collecting memories when you could be at your computer collecting the information that might forge a solution.

Books for boys

Class of boys at a school in North London Photo Mugs A small class of boys with their teacher at a school in North London — it appears to be a private school. ….

Indigo Teen Dreams: Guided Relaxation Techniques Designed to Decrease Stress, Anger and Anxiety while Increasing Self-esteem and Self-awareness (Indigo Dreams) $8.94 Indigo Teen Dreams allows teens to manage stress, anger, and anxiety while increasing self-esteem and self-awareness. Teens explore the research-based, stress-management techniques of breathing, visualizations, progressive muscular relaxation, and affirmations or positive statements. This straight forward, easy to follow approach encourages teens to take charge of their own feelings and stress. It…

The Devil’s Arithmetic $8.71 Executive producers Dustin Hoffman and Mimi Rogers present the truth of the Holocaust so a new generation can understand why it must never be forgotten. Kirsten Dunst plays Hannah, a modern teen more concerned with trends than history. During the traditional Passover dinner, she zones out as her relatives harp about concentration camps. But then Hannah passes through a portal to the past, where sh…

Pay It Forward $4.99 Pay It Forward is a multi-level marketing scheme of the heart. Beginning as a seventh-grade class assignment to put into action an idea that could change the world, young Trevor McKinney (Haley Joel Osment) comes up with a plan to do good deeds for three people who then by way of payment each must do good turns for three other people. These nine people also must pay it forward and so on, ad infini…

Children Of Heaven $14.59 Majid Majidi celebrates the immediacy and essence of childhood in this delightful tale of a brother and sister who share a pair of shoes when the boy (though no fault of his own) loses his sister’s only pair. Since their parents are too poor to afford a new pair, they keep it a secret, trading them off every day in a mad rush, jumping gutters and navigating the twisting lanes to their schools and …

16 inch Everest Green Maple Leaves Wooded Camo Pattern Student School Bag Backpack $12.50 Nature; it’s all around us and yet we seem to take it for granted a little more every day. Get back into nature and pay homage to the trees around you with this green maple leaves camouflage design everyday backpack! Perfect for school, work, travel or just casual everyday activities, you’ll never have to feel like you can’t enjoy the great outdoors. The multi-shaded green leaves collage offers an…

SCHOOL MEMORIES KEEPSAKE SCRAPBOOK ALBUM K-12 BOOK $18.25 This is the School Years Memory Keeper that you have been looking for! With pockets for storing memorabilia, space to attach class photos, and room to record details of each grade, this school memories album has it all! This is a great way to mark your child’s growth from year to year! WOW!! WHAT A SUPER WAY TO PRESERVE ALL OF THOSE CHILDHOOD MEMORIES!!…

DELUXE SCHOOL MEMORIES KEEPSAKE PHOTO ALBUM SCRAPBOOK Pre & K-12 – **FACTORY SEALED** $21.94 SCHOOL MEMORIES KEEPSAKE BOOK BRAND NEW!! FACTORY SEALED!! NEVER OPENED!! What a wonderful way to never forget your child’s school years. With this spiral bound, hardback Keepsake Book, special momentos and fun activities will forever be preserved. This Keepsake contains pages from preschool through 12th Grade and each is geared towards that age and activity period. With this Keepsake Bo…

Electronic Lab 130-in-one Project $45.51 Electronics Lab In A Box Called the “130-in-One”, this battery-powered (and hence ultra-safe) one-piece board has pre-cut wires and both spring connections and a breadboard for wiring up to 500 projects. he easy-to-read, graphic instructions are a snap for ages 10 to adult, and projects include an AM broadcast radio, electronic organ, strobe lights, timers, logic circuits and a ton more. From El…

Middle School, The Worst Years of My Life – Free Preview: The First 20 Chapters Rafe Khatchadorian has enough problems at home without throwing his first year of middle school into the mix. Luckily, he’s got an ace plan for the best year ever, if only he can pull it off: With his best friend Leonardo the Silent awarding him points, Rafe tries to break every rule in his school’s oppressive Code of Conduct. Chewing gum in class-5,000 points! Running in the hallway-10,000 points…