Seeing that your experience fits patterns, not personal failure These are example patterns, not real legal advice or promises of outcome. You can use this guide to: 1. Example Pattern A – Second Foreclosure on the Same Loan Story shape: Patterns involved: Takeaway line: “You’re not the only one being brought back into court on the […]
GUIDE 14 – Case Story Examples (Anonymized Patterns) Read Post »
Orienting yourself without pretending to be a lawyer Foreclosure processes vary widely by state (judicial vs. non-judicial, timelines, notices). This is a general orientation only. 1. Judicial vs. non-judicial (big-picture) Know which type your state is, so you know whether: 2. Very rough stages (judicial style) Typical (but simplified) judicial path: You do not need
GUIDE 13 – Foreclosure Process Overview (State-Level Basics) Read Post »
Facts over explosion 1. The trap to avoid When you’re traumatized and furious, it’s natural to want to: Regulators and oversight bodies usually respond better to: Short, factual, well-dated stories. 2. Simple structure for a complaint You can structure most complaints like this: 3. Tone to aim for Aim for: Examples of good phrasing: Avoid:
GUIDE 12 – How to Write a Clear Complaint (Without Ranting) Read Post »
Who might care about what happened, big picture This is a conceptual map, not a list of specific agencies for your state. 1. Why complaints matter (even if they don’t “fix” it) Complaints can: They usually do not: Think of complaints as pressure plus documentation. 2. Main categories of complaint channels You can break them into: 3.
GUIDE 11 – Complaint Channels Map Read Post »
Reading the room without mind-reading This guide is about patterns, not judging every individual. 1. Green flags (good signs) Look for attorneys who: Simple inner test: “Do I feel more grounded after talking to them, or more scrambled?” 2. Red flags (warning signs) Warning signs can include: One big red flag: “You don’t need to worry
GUIDE 10 – Red Flags & Green Flags in Attorney Conversations Read Post »
Getting help from resource-strapped systems 1. Understand their reality Legal aid organizations and clinics: Knowing this upfront keeps you from taking “we can’t take your case” as a personal rejection. 2. Preparing before you contact legal aid Bring: This makes it easier for them to triage you. 3. What to ask legal aid Questions you
GUIDE 9 – Using Legal Aid & Clinics Without Getting Lost Read Post »
Showing up prepared, calm, and hard to steamroll 1. Why this matters Most homeowners walk into attorney conversations feeling desperate and ashamed. That’s when people: This guide helps you show up as: “I’ve done my homework. I’m not a lawyer, but I know my own case.” 2. Before you contact anyone Have these ready: You
GUIDE 8 – How to Interview a Foreclosure Attorney Read Post »
Quick reference for “does this look normal?” This does not decide your case. It helps you see where to ask better questions. Use this as a one-page note you can keep near your timeline and document folder. 1. Service & Notice – quick checks If “yes, that’s off,” mark Service as a pattern to discuss with counsel.
GUIDE 7 – Pattern Spotting Cheat Sheet Read Post »
Building your “core file” This is for your own organization, not for filing as-is in court. 1. Physical or digital (or both) Decide how you’ll store: Many homeowners do both: physical for court days and attorney meetings, digital for long-term storage. 2. Core categories Create subfolders (physical or digital) for: 3. Simple naming system (for digital)
GUIDE 6 – Document Folder Checklist Read Post »
One page to see your whole case This is a self-help worksheet, not a court document. You can do this in: 1. Basic structure Create a table with columns like: # Date Event Who Was Involved Documents / Evidence Notes 2. What to list (in order as best you can) Start from the earliest things
GUIDE 5 – Homeowner Timeline Worksheet Read Post »
