“Ask Dania” eBook Series

As part of the “Ask Dania” series, lawyer Dania Fernandez has compiled valuable content as well as frequently asked questions by her clients into the ebook:

Foreclosure and Bankruptcy Today - What You Should Know?

Chapter 1: Facing Foreclosure
Chapter 2: Avoiding Foreclosure
Chapter 3: Hope for Homeowners
Chapter 4: Bankruptcy & Foreclosure
Chapter 5: Home Foreclosure and Debt Cancellation

Featuring viable course of actions you can take if you are facing foreclosure and bankruptcy, this ebook also includes appendices with samples on Note and Mortgage, Notice of Default, Lis Pendens, Complaint of Foreclosure, Answer to Complaint of Foreclosure, Summons, Reinstatement Notice, Forbearance Notice,Loan Modification Agreement, Hardship Letter,Financial Statement,and Real Estate & Bankruptcy Glossary of Terms.

Download your copy of the Foreclosure and Bankruptcy Today - What You Should Know? eBook for only $24.99.

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Sample Questions & Content in “Foreclosure and Bankruptcy Today - What You Shoukd Know?”

The following questions do not represent the entire collection of questions and content in the book. They are just a sample of the first few questions in each chapter.

Chapter 1 - Facing Foreclosure

Should I keep my home?
Should I leave my home and rent another?
I do not have any money right now what do I do?
I cannot afford an attorney, is there another option?
How do I stop the creditors from calling?
Why do I keep receiving mail from people and companies that claim can help me save my home?
Can these organizations and individuals help?
Whom are the most capable and most knowledgeable to help me understand all of my options?
Can't I just have someone else take over the payments and walk away?
What is a "deed in lieu of foreclosure"?

Chapter 2 - Avoiding Foreclosure

What are the main reasons homeowners go into foreclosure?
What do I do if I am facing financial problems?
I cannot keep paying my mortgage, what do I do?
I cannot make my mortgage payments, what options do I have?
Should I reinstate my mortgage with the Lender?
Should I agree to forbearance?
What if keeping my home is not an option?
Where can I find the Lender's contact information?
Is there information that I should have ready for them?
What documents will they want to see from me?

Chapter 3 - Hope for Homeowners

What is HOPE for Homeowners?
Are all Lenders eligible to participate in providing the H4H program to those that qualify?
Should I contact FHA directly?
What is a Housing Counselor?
How does someone qualify for HOPE for Homeowners?
What kind of documents will I have to provide my Lender for Mortgage approval?
Can I still apply if I am current on my Mortgage?
Is there an income restriction?
How much can I borrow?
Can I use my own Appraisal Company or an old Appraisal?

Chapter 4 - Bankruptcy & Foreclosure

What benefits will I get from filing Bankruptcy?
What is Bankruptcy?
Who can file for Bankruptcy?
With all the recent changes in the law, isn't harder to file for bankruptcy?
What are credit counseling and debtor education requirements?
What is a Chapter 11?
What is a Chapter 13?
When is it appropriate for me to file a Chapter 13?
What is a Chapter 7?
Why do people file Chapter 7?

Chapter 5 - Home Foreclosure & Debt Cancellation

What is Cancellation of Debt?
Is Cancellation of Debt income always taxable?
I lost my home through foreclosure. Are there tax consequences?
I lost money on the foreclosure of my home. Can I claim a loss on my tax return?
Can you provide examples?
I don’t agree with the information on the Form 1099-C. What should I do?
I received a notice from the IRS on this. What should I do?
Where else can I go to get tax Information?

Appendices

Samples of the following legal documents:

Note and Mortgage
Notice of Default
Lis Pendens
Complaint of Foreclosure
Answer to Complaint of Foreclosure
Summons
Reinstatement Notice
Forbearance Notice
Loan Modification Agreement
Hardship Letter
Financial Statement
Real Estate & Bankruptcy Glossary of Terms.

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