Make the first move: Contact your servicer as soon as you realize you may miss a payment. The earlier you reach out, the more options you may have.

It’s hard to convey the value of a property analysis (AKA “loan audit”). In spite of what you may have heard from the government or a real estate lawyer, or from mainstream media, a loan audit or property analysis is usually one of the most powerful tools a homeowner can use to keep their home.

Knowing what you want will guide your strategy. Don't get too hung up on whether it will work or not. In my experience, most people who wanted to keep their house found a way to keep it.

I guarantee that there will be disruptions and obstacles. Expect them, and you won't be caught off guard. Your first option might not work out, something falls through or you just need to find a work around. Most of these issues are made easier when you have enough time to work things out.

This is a new program I've created to support homeowners as they navigate the default and foreclosure process.

Even if we don’t go through a major foreclosure crisis, we’re still in a time of increased economic uncertainty.

The collapse of the old paradigm means your finances will change. You are probably already aware of this. You might need to move, or find something more sustainable as you are realigned with your highest and best good.

I was naive about a lot of things.

I was curious about how the Supremes reached that conclusion and read the Obduskey decision.

It may take awhile, but things will gradually shift in favor of Main Street and average Americans.