My Story

Not too long ago I graduated college and couldn't find a job. The war on
terrorism had the economy swinging in disarray and I was one of those caught
in its ugly aftermath. I caught a late night seminar about becoming a millionaire
in real estate and thought there might be something in that for me. As time
kept passing and I was still unemployed and my savings at this point had
depleted. I was falt broke, but I was determined. At this point I had nothing to
lose so I decided to start my career in real estate investing. being that I had
no money I started as an agent and found several investors to work for.

The investors that I found specialize in dealing with homeowners in
foreclosure. Their claim was helping good people out of a bad situation. In
plain English they lay waiting for families and individuals to fall victim to the
woes of foreclosure. Normally the hardship fell under several categories; loss
of spouse, job loss, medical emergency. I was trained on how to get these
properties for my employers for pennies on the dollar. It seemed to be a
win/win for everyone. The banks were coming to take these people property
for nothing, damaging their credits and leaving them with no place to go. My
employers on the other hand, would save them from the embarrassment of
foreclosure, salvage what was left of their credit and in certain instances even
put a few dollars in their pocket, maybe even enough to put down a security
deposit on a rental. And I would get paid quite nicely for my efforts. Seems
pretty fair right?

At, first I thought I so. I thought I was actually doing these people a favor.
Then I started noticing that many of these people did not want to give up
their homes. Most were victims of a sudden emergency who suffered a
temporary loss of income. There were even times when the homeowners
recovered from their loss were able to pay their mortgage, the bank wouldn't
accept their payments anymore. According to my investors, these
homeowners were eligible for special buy-back programs. My investors would
purchase their property and sell it back to them when they got their credit
situation taken care of and could afford to get a mortgage in their own name.
The only thing they failed to understand is that they would lose most if not all
of the equity in the house when they purchased it back.

It wasn't too long until I realized that while what we were doing just wasn't
right. Not that it wasn't illegal, but was borderline ethical and morally wrong.
When I understood the facts and how the banking system worked, we weren't
helping these people, we were talking advantage of them. Here it is only a few
years later, I had just made it to the point where I could say I was a
millionaire and now I had gotten to the point where I knew exactly what I was
doing. After a while I couldn't handle the moral dilemma so I handed in my
letter of resignation.

With a few months of reserves I was now entering the life a real estate agent.
Where I was used to making 10-30%, I was now making 1.5% on selling
properties. To make a long story short, I knew I wasn't going to be able to
survive like this. There was no way I could support my 20k per month lifestyle
on 4k per month. Not that's a bad thing, but I had bills. I was living in a high
profile neighborhood. I owned several properties. I enjoyed the finest foods,
clothes and jewelry.

Well it doesn't take a psychic, genius, or a mathematician to figure it out, but
it wasn't too long untill my money ran out. I tried to sell off properties, but the
market had changed and I barely had any equity left. My million dollar
mini-mansion I priced well under market value and I couldn't even get a looker.
Next thing you know I get a letter from the bank that I am behind on my
payments. Like I didn't know I was behind. Soon after that I get a letter from
their attorney putting me on notice that I am in pre-foreclosure status. Next
thing you know my phone is blowing up from creditors, my mailbox is full of
letters from investors, attorneys, scam artists and the likes thereof.

God has a funny way of doing things, because I now knew what all those
people before me were feeling. I didn't want to answer my phone unless I
knew the number, I just started letting mail pile up in the boxes, but the
hardest part was getting over my pride and my ego. I went from being broke
to being a millionaire in a few short years, only to lose it all. This couldn't be
happening to me. I did the right thing. when I realized what was going on, I
stopped taking advantage of people. Blah blah blah.

When it all boiled down to it, it was me like it or not and now I was in a
position that I had not time and not money, but I had to do something fast, so
I started reading. I started studying everything I could on real estate and
foreclosures. I studied everything from the legalities of foreclosure, the effect
that it has on your credit, to the psychological factors that it play on its
victims. The more I studied and read, the more confident I became.

When I felt as though I could hold an intelligent conversation about
foreclosures I started interviewing attorneys to see how the could help me.
For the most part they would push me towards bankruptcy. But that wouldn't
help me. I would still have to pay my mortgage and I still couldn't afford it. I
realized that I had very resources to turn to, so I started talking answering
the phones and checking the mailbox. Anyone that called, I started talking to
them and finding out what they had to offer. For the most part, none of them
were able to help me, but were glad to take my money, or at least try to. I
realized that I was all out of options and decided to face my problem head on.
I decided I was going to deal with the banks myself.

That was the hardest thing in the world to do. The first mortgagee that I
called was the worst person in the world to deal with. They made me feel like I
was less than nothing. I wanted to go through the phone and see if this guy
was as tough in person as he was on the phone. The deals that he "worked
out" for me would have put me in a worse situation than I started in. When
they faxed the arrangement that we "discussed" in the mail there were all
types of loopholes and clauses that would have accelerated the foreclosure of
my property by signing it. It was nothing at all like what we discussed.

Needless to say I didn't sign that but instead found a method that would by
me some more time. The next mortgage that I tried to deal with was not as
bad. They were more willing to work with me, but again the same thing. when
they faxed over the revised contract, they too were trying to pull a fast one
on me.

The next time I decided to take a different approach. This approach would
open the door to me learning the secrets to foreclosure that would be worth
thousands of dollars and buy almost unlimited time. When I talked to the rep
at this bank, they explained everything about foreclosure to me in detail. Little
did they know they were teaching me how to beat the systems. The
invaluable lessons that I learned about foreclosure taught me how to get the
bank to:

- temporarily freeze the account to give me more time to figure out my options

- put my entire balance on the back of my loan and reinstate payments

- lower the interest rate on the current mortgage

- agree to stop collecting payments for period of time

- give me time to sell my home without them foreclosing on it.

- accept less than what I owe as a full payoff (without taking a tax hit)

- accept the deed to the property as payment in full.

The information was so valuable that I went back to the first 2 mortgage
companies that I previously dealt with and was able to come up with solutions
that worked in my favor that the mortgage companies had no choice but to
accept. This time I knew who to talk to, what to say and what type of
documentation to give them.

The success was so amazing I started experimenting with family and friends.
The results got better and better. The more people that found out, the more
people that needed the service. Today we have a staff of specialists ready to
serve your needs. Let my success through misfortune and financial bachground
go to work for you.