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The Foreclosure Survival Guide: Keep Your House or Walk Away With Money in Your Pocket Paperback – October 15, 2009


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Editorial Reviews

Review

Bankruptcy attorney Elias targets the estimated two million American homeowners who are currently in default on their mortgages. Elias explains how foreclosure works, what options there may be for keeping a home when in default, and what to do when that is not possible. He includes instruction on negotiating a workout with a lender as well as chapters on how to use bankruptcy to avoid foreclosure. Elias's section on fighting foreclosure in the courts helps readers understand the circumstances in which they may be able to delay or stop a foreclosure action. The appendixes provide summaries of each state's foreclosure laws, a glossary, and information on finding and working with lawyers and bankruptcy petition preparers. Straightforward and timely, this is recommended for most public libraries.- (LIBRARY JOURNAL 2008-10-01)

"Nolo's just published The Foreclosure Survival Guide: Keep Your House or Walk Away with Money in Your Pocket by Steven Elias "discusses the most recent laws designed to help homeowners deal with the crisis and points them to resources (nonprofit housing counselors, government agencies and so on) that may help," says Mary Randolph, Nolo's senior vice president of editorial. Elias, a practicing attorney, former Nolo associate publisher and current president of the National Bankruptcy Law Project, advises that readers not panic. "Even if the lender does foreclose on the house, the process takes months at the least. You're going to have time to evaluate your options and make smart choices." (Publishers Weekly 2008-10-20)

From the Publisher

According to the data service RealtyTrac the number of home foreclosures in the U.S. rose 79.2% in 2007, with increases in 86 of the top 100 metropolitan areas.
In 2008 there will be an estimated 1.4 million new foreclosures.

Biting news for sure but Nolo, a pioneer in legal empowerment, offers its latest salve: The Foreclosure Survival Guide.

Written by a practicing lawyer who has helped hundreds of homeowners keep their homes or come out of foreclosure financially sound, The Foreclosure Survival Guide will help readers:

  • Gain real perspective on a financial situation
  • Decide whether to refinance or make up payments
  • Determine whether it makes sense to leave a home
  • Learn what a deed in lieu of foreclosure is
  • Absorb the basics of personal bankruptcy

    The Foreclosure Survival Guide is a thorough, easy-to-understand, and compassionate look at options for those facing foreclosure, and for the foreseeable future this resource will prove a valuable and vital guidebook for those homeowners affected by the foreclosure crisis. --This text refers to an out of print or unavailable edition of this title.

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    Product Details

    • Series: Foreclosure Survival Guide: Keep Your House or Walk Away
    • Paperback: 304 pages
    • Publisher: NOLO; 2 edition (October 15, 2009)
    • Language: English
    • ISBN-10: 1413310591
    • ISBN-13: 978-1413310597
    • Product Dimensions: 9.1 x 7 x 0.7 inches
    • Shipping Weight: 1.2 pounds
    • Average Customer Review: 4.4 out of 5 stars  See all reviews (64 customer reviews)
    • Amazon Best Sellers Rank: #1,098,559 in Books (See Top 100 in Books)

    More About the Author

    Stephen R. Elias is an attorney and former associate publisher at Nolo, as well as the current President of National Bankruptcy Law Project. He is the author of many Nolo books, most recently Bankruptcy for Small Business Owners. Other titles include Special Needs Trusts: Protect Your Child's Financial Future, How to File for Chapter 7 Bankruptcy, and Legal Research: How to Find and Understand the Law. He is also one of the original authors of Nolo's bestselling WillMaker software. Steve holds a law degree from Hastings College of Law and practiced law in California, New York, and Vermont before joining Nolo in 1980. He has been featured in such major media as The New York Times, The Wall Street Journal, Newsweek, Good Morning America, 20/20, Money magazine, and more. Steve's blog on bankruptcy and foreclosure law can be found at Nolo's Bankruptcy & Foreclosure Blog.

    Customer Reviews

    The book is well written, like most other Nolo publications, and the author is honest and very easy to understand.
    ScOObydoo
    This book is great for readers who are in a financial bind and are wondering what their options are to save (or let go through foreclosure) their home.
    1Lovely
    It offers concrete information in several real estate and legal areas such as bankruptcy and it's relevance to real estate ownership.
    Mark

    Most Helpful Customer Reviews

    Format: Paperback Vine Customer Review of Free Product ( What's this? )
    The The Foreclosure Survival Guide: Keep Your House or Walk Away With Money in Your Pocket is a great volume on a timely topic that succeeds in two opposing areas: it covers a lot of ground yet it does not wander. NOLO press is a resource I have used in the past for a variety of legal topics. I am very picky with books in general and I make no bones about that. In the case of NOLO books, they are generally good but this text is particularly good.

    Stephen Elias lists his extensive credentials, including many contributions to NOLO press and a successful bankruptcy law practice. His straightforward writing style makes this volume very readable. And the clear organization of the book also makes it useful as a reference. A very nice section goes state by state and lists some basics about the different real estate laws applicable in each one.

    The book's focus goes way beyond the foreclosure process alone. It offers concrete information in several real estate and legal areas such as bankruptcy and it's relevance to real estate ownership. Clearly the focus on foreclosure will find a captive audience in the current economic climate. Still, one needn't be at risk of foreclosure in order to get something of value out of this book.

    The book covers common legal practices relevant for foreclosure. The relevance of whether or not a state follows a judicial process for foreclosures is explained. The outlined worksheet makes it easier to quantify the pros and cons of keeping your property versus keeping as much money as possible in the cases where it's in your best interest to give up on the property.
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    12 of 12 people found the following review helpful By The Three Woods VINE VOICE on October 6, 2008
    Format: Paperback Vine Customer Review of Free Product ( What's this? )
    With so many foreclosures taking place around us and with there being an uncertain future with finances, I decided to check-out The Foreclosure Survival Guide. I'm so very glad that I did. The author, Attorney Stephen Elias, writes in a very easy to understand way. He walks you through some of the hardest decisions you will have to make about your home such as "Does it make sense to give up your house instead of fighting foreclosure?" He gives great insight on ways to keep your home (if it's financially wise) and how to slow down a foreclosure to help you get your footing in life. The book also clears up what a Chapter 7 & a Chapter 13 bankruptcy is and what it means when it comes to your credit. It definitely gives you the tools you need to understand how to negotiate your way through a foreclosure. Before reading the book, I had very little understanding of what actually takes place before, during and after a foreclosure. He answered all of my questions - directed me where to search for more information and explained my state laws (WOW!) all in 10 chapters. He also lists the different mortgage scams out there and how to protect yourself from them. The final chapter gives you resources to legitimate companies, counselors, books, etc. that will help you on your way to understanding your options. If you are losing sleep over what to do with your home, I'd definitely recommend getting this book.
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    5 of 5 people found the following review helpful By Elizabeth Mack VINE VOICE on July 19, 2009
    Format: Paperback Vine Customer Review of Free Product ( What's this? )
    When you are worried about losing your home, you can become paralyzed with fear. Sometimes you don't even want to open your mail because it is such a terrifying thought: what else is going to happen now? You are afraid to answer the door because it could be a bill collector or maybe even the sheriff, there to evict you. Your imagination runs wild, and you sometimes feel like your feet aren't even on the ground. The stress is enormous, and you feel lost, not knowing what to do to save your home. Unfortunately, I speak from experience. The stress is debilitating and paralyzing....you just don't know where to turn or what to do to save your home.

    If that is you, get this book, now. In it you will find comfort, support, and solid legal answers on how to proceed down the long and scary road of saving your home. I have always had excellent experiences with NOLO books in the past, and this one surpassed my wildest expectations. It is solid legal information and advice, in easy-to-understand format, with lots of supportive and practical comments throughout. I highly recommend that you get this book, which will both hold your hand and tell you what to do in order to survive a foreclosure. Take that first step out of the fear and into the solution. Best of luck to you!
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    6 of 7 people found the following review helpful By Bucky VINE VOICE on October 10, 2008
    Format: Paperback Vine Customer Review of Free Product ( What's this? )
    Nolo Press has been printing books on law and legal issues for laypeople for almost 40 years, and as someone with a legal background, I have always been impressed with their products. The Foreclosure Survival Guide is no exception. As I write this review, the US economy is undergoing an unprecedented period of turmoil as the result of irresponsible lending practices in the mortgage market. It is quite possible that some of the people reading this review are undergoing or will be undergoing the horrific process of home foreclosure. If so, my heart goes out to you. I suggest you get this book and read it carefully. It outlines the process of foreclosure (and includes a glossary for those unfamiliar with legal mumbo-jumbo), what your rights are, what the mortgage-holder's rights are, and what options you may have to prevent, forestall, or help you just survive what lies ahead. Knowledge in these circumstances may not be power, but it will tell you what to expect, which is more comforting than going through foreclosure blind. There is also a section that briefly describes each state's foreclosure rules. This book was obviously written with great compassion for people going through foreclosure, but it also offers clear-eyed advice regarding the homeowner's options. This book may give you some ideas, or inform you of rights you may not have known you had. I highly recommend it.
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