I know when I was behind on my mortgage and being sued by the bank I wondered, “What defense do I have?” and “Is it even ethical to defend my foreclosure?” I felt lost and totally undirected, like a ship being tossed by the waves. (Click here to watch my 3 min. story). Then I was fortunate enough to receive  legal counsel from an experienced foreclosure attorney who explained to me that I certainly had legal rights and that it was my obligation to defend the foreclosure action, as I was being sued for hundreds of thousands of dollars which could seriously affect me and my family for many years to come.

He also explained that by engaging in the lawsuit and not walking away that the uncertainty I lived with would go away, and that there would be no more surprises. He shared with me the great surprise that by engaging in the process I would gain precious time  (over two years in fact) to reorganize and restructure my life.

Watch this short 1 minute video from an experienced Foreclosure Lawyer

For more answers to your questions visit onecaboodle.com today!

Most people think a foreclosure is the end of the world,but is does not have to be. Many families are being proactive and finding out that a foreclosure can bring a new lease on life and a new beginning. In this article in The Wall Street Journal thousands of distressed homeowners are redefining “The American Dream”.

If you owe more than your house is worth (you’re under water), trying to get a loan modification, or worse you are behind on your mortgage payment, possibly in foreclosure there is hope. OneCaboodle is a nation wide network educating and empowering homeowners to find winning solutions in the midst of very difficult times.

Click here to visit OneCaboodle.com Today!

Wow. According to this report, 49% of all Florida mortgages are now underwater. Using OneCaboodle may help homeowners to gain leverage in renegotiating with their lenders because there are irregularities in many of these loans. Every member receives a forensic audit of their mortgage to ensure that they are using every legal option available as they restructure their finances.

Full Story on MarketWatch: Florida leads U.S. in active loans in foreclosure

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I’ve found that it is very difficult to access experienced legal help for foreclosure issues. I was lucky to find the right attorney when I did and to get the help I needed. But, only 1-2% of people facing foreclosure get legal representation. First, they don’t know that they should. But sometimes, even if they do know, they can’t find an attorney to help them.

This is one of the reasons I founded OneCaboodle. We locate the best foreclosure attorneys in each state and they agree to service OneCaboodle members at highly discounted rates. It’s a winning combination for everyone. Not only do we make it easy for homeowners to access the legal help they need, we make it affordable. OneCaboodle members don’t have to jump through qualifying hoops or get stuck in the quagmire of some government aid program.

Time Article: Where Are All the Foreclosure Laywers?

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When distressed homeowners don’t know what their options are, and don’t know how much time they may have – they often abandon their property even though they aren’t yet forced to. At OneCaboodle, homeowners can acess the tools they need to fight foreclosure. One of the most important services we provide is access to experienced attorneys who will represent our network members at discounted rates.

In my personal foreclosure experience, I gained time and options when I hired an attorney. More importantly, I gained a great deal of peace as the uncertaintly was removed from my situation. Because of legal representation, there are no surprises now in my foreclosure battle. I know everything well in advance, and am able to utilize my property to the fullest extent while it is is mine to use. I know many people who have abandoned their property, simple because of the fear of not knowing when they would be forced out. Unfortunately, they could have been better positioned to recover financially if they’d had legal representation.

This article shows what some communities are willing to do to try to alleviate the damage to local property values caused by abandoned foreclosure homes. It’s just another reason why I’m excited about OneCaboodle and the opportunity we have to positively impact individuals and communities.

News Article: USA Today: Cities, volunteers fight blight caused by foreclosure crisis

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“And it’s likely to get worse: A “shadow inventory” of 7 million properties are in the foreclosure process or likely to be seized, up from 1.27 million in 2005, according to Amherst Securities Group LP.”
- NuWireInvestor.com article 10-19-09, Are Government Foreclosure Programs Delaying The Inevitable?

The  link above is to an excellent article out this morning that talks about what we at OneCaboodle already know –  the foreclosure crisis is worsening. Government is not the answer to this problem, people are. We are on a mission to educate distressed homeowners because each homeowner has personal rights and responsibilities to navigate their specific situation in the best way possible. Just as large corporations like GM reorganize by reallocating funds and negotiating with vendors to the full extent possible within their legal rights, we advocate that individual  homeowners should do the same. In fact, we feel that it their responsibility to do so as the owner of the property.

OneCaboodle helps people by providing a high quality forensic audit, access to experienced legal representation and discounted rates, financial counsel and tools, and access to realtors who want to help – all along with the emotional support people need in knowing that they are not alone and can find time and options. Our goal is to empower individuals to achieve the best outcome that they can while protecting home values. Abandoned homes depreciate immediately, making matters worse for the banks, neighborhoods and the nation.

We hope you’ll join us on our mission and spread the word to your friends and family who may be facing foreclosure.

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If you’re near New Orleans, you’re invited to our launch presentation to learn more about OneCaboodle:

Thursday, October 22, 2009
1pm – 3pm
Ramada of Metairie
2713 N. Causeway Blvd
Metairia, LA 70002

Visit the official Evite invitation to let us know you’re coming (may require login).

Using poll results for a survey conducted on their site, housingpredictor.com came out with a staggering estimate a few days ago: As many as 25 million foreclosures could occur if homeprices continue to decline.

“According to a new survey conducted by Housing Predictor, as many as 25-million homeowners may walk away from their mortgages as a result of declining home prices and doubts about prices rising in the foreseeable future. The figure seemed impossible to comprehend just months ago. However, the Predictor Poll found similar results last March when 36% of respondents said they would walk away from mortgages. Some 32% said they would walk away in the most recent survey.”

At OneCaboodle, we want to give homeowners more time and options. We will positively impact this national crisis by educating homeowners and providing access to experienced legal representation at discounted rates. When homeowners leave their properties, values drop. The ability to negotiate with lenders decreases. As this report shows, it’s not a good solution for anyone involved – not the homeowner, not the bank, not the neighborhood and not the economy.

WebLink: http://wbx.me/l/?p=1&u=http%3A%2F%2Fwww.housingpredictor.com%2Fepidemic.html

Click here to learn about OneCaboodle.

Foreclosure is a crisis that is affecting millions and will affect millions more. People do not know what to do. We are here to help. OneCaboodle offers access to attorneys with foreclosure expertise who want to help  and are offering deep discounts to make it affordable.

This recent New York Times editorial describes the situation accurately, including the fact that the majority of people facing foreclosure do not have legal counsel . We believe in people helping people. We have a solution that can help people now.

WebLink: http://www.nytimes.com/2009/10/09/opinion/09fri2.html?_r=1&partner=rssnyt&emc=rss

Click here to learn about OneCaboodle