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	<title>Truth in Foreclosure &#187; Tips &amp; Tools</title>
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	<link>http://www.truthinforeclosure.com</link>
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		<title>Thinking About Filing Bankruptcy to Stop Foreclosure? You Might Not Be Eligible</title>
		<link>http://www.truthinforeclosure.com/thinking-about-filing-bankruptcy-to-stop-foreclosure-you-might-not-be-eligible</link>
		<comments>http://www.truthinforeclosure.com/thinking-about-filing-bankruptcy-to-stop-foreclosure-you-might-not-be-eligible#comments</comments>
		<pubDate>Wed, 28 Apr 2010 12:02:17 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[law overview]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1884</guid>
		<description><![CDATA[With the changes to bankruptcy laws over the past few years, many people that were once able to slow foreclosure by filing bankruptcy are no longer able to do so. There are even more hoops you must jump through to file and doing so takes time. So if your foreclosure sale date is looming, you'd be wise to read this and take action so you'll be ready if you need to file for bankruptcy at the last minute.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/thinking-about-filing-bankruptcy-to-stop-foreclosure-you-might-not-be-eligible/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Most Helpful Foreclosure Resources</title>
		<link>http://www.truthinforeclosure.com/5-most-helpful-foreclosure-resources</link>
		<comments>http://www.truthinforeclosure.com/5-most-helpful-foreclosure-resources#comments</comments>
		<pubDate>Thu, 25 Feb 2010 11:40:01 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[Home Affordable Foreclosure Alternatives]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[Hope 4 Homeowners]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[workout]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1751</guid>
		<description><![CDATA[Over the past 3 years, I’ve posted many links to organizations and websites so you could track down answers and help.  But I’ve never collected those resources in one place.  These are the 5 sites you should visit to get help and stay current on what’s going on in Washington D.C. that might be able to help you.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/5-most-helpful-foreclosure-resources/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Learning is The Key to Success</title>
		<link>http://www.truthinforeclosure.com/learning-is-the-key-to-success</link>
		<comments>http://www.truthinforeclosure.com/learning-is-the-key-to-success#comments</comments>
		<pubDate>Tue, 26 Jan 2010 11:31:05 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1700</guid>
		<description><![CDATA[I saw this video on the Tony Robbins web site and immediately thought you could use it as well.  I know most people that come to this site do it for straight-forward, no-nonsense foreclosure advice.  And that’s what I try to provide as often as I can....]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/learning-is-the-key-to-success/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>30 Minute Hardship Letter Video Course</title>
		<link>http://www.truthinforeclosure.com/30-minute-hardship-letter-video-course</link>
		<comments>http://www.truthinforeclosure.com/30-minute-hardship-letter-video-course#comments</comments>
		<pubDate>Sat, 31 Oct 2009 10:16:00 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[lender negotiation]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[workout]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1619</guid>
		<description><![CDATA[I just finished making this almost half hour long video course.  You can watch over my shoulder as I prepare, outline, and write a hardship letter and give you the tips and tricks I’ve learned over the years.  I plan to sell this in the near future, but I need honest testimonials from people like you.  So, for a short time, I’m going to put it out here for the world to see and leave feedback on.  No sign ups or purchases required (right now)…all I ask is that you leave a comment as a response to this blog post.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/30-minute-hardship-letter-video-course/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Programs for Foreclosure Mediation</title>
		<link>http://www.truthinforeclosure.com/programs-for-foreclosure-mediation</link>
		<comments>http://www.truthinforeclosure.com/programs-for-foreclosure-mediation#comments</comments>
		<pubDate>Tue, 29 Sep 2009 10:32:00 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[government regulation]]></category>
		<category><![CDATA[law overview]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[state laws]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1599</guid>
		<description><![CDATA[Summary of 22 state/local programs that establish some type of foreclosure diversion program requiring lenders to engage in mediation, conciliation, or a settlement conference. Summaries include a general program description and lender and borrower obligations under the program.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/programs-for-foreclosure-mediation/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Calling Your Servicer About Loan Mods – Is Success Possible?</title>
		<link>http://www.truthinforeclosure.com/calling-your-servicer-about-loan-mods-%e2%80%93-is-success-possible</link>
		<comments>http://www.truthinforeclosure.com/calling-your-servicer-about-loan-mods-%e2%80%93-is-success-possible#comments</comments>
		<pubDate>Tue, 08 Sep 2009 11:35:22 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Deed in Lieu]]></category>
		<category><![CDATA[General Info]]></category>
		<category><![CDATA[Legal Defenses]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Home Affordable Refinance]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[My Short Sale]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1585</guid>
		<description><![CDATA[A video released by Freddie Mac says that it is…and that having your documents all lined up and ready to go will help make things easier for you and your servicer.  I think you'll agree the video over simplifies a very complicated and convoluted process and makes it appear as if the problem is with homeowners not being prepared when they call their servicer.  Com see if you agree...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/calling-your-servicer-about-loan-mods-%e2%80%93-is-success-possible/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Talking to Your Kids About Foreclosure</title>
		<link>http://www.truthinforeclosure.com/talking-to-your-kids-about-foreclosure</link>
		<comments>http://www.truthinforeclosure.com/talking-to-your-kids-about-foreclosure#comments</comments>
		<pubDate>Thu, 03 Sep 2009 06:53:09 +0000</pubDate>
		<dc:creator>lalayu</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1581</guid>
		<description><![CDATA[I have five children, ranging from ages 2 years old to 16 years old. Every day they hear me on the phone with the mortgage company, talking to friends and family about our situation, discussing specifics with my husband, and generally see how exhausted I am from dealing with the ups, mostly downs, related to [...]]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/talking-to-your-kids-about-foreclosure/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Dirty Tricks and How To Avoid Them</title>
		<link>http://www.truthinforeclosure.com/deficiency-judgment-dirty-tricks</link>
		<comments>http://www.truthinforeclosure.com/deficiency-judgment-dirty-tricks#comments</comments>
		<pubDate>Thu, 02 Jul 2009 11:33:00 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[deficiency judgments]]></category>
		<category><![CDATA[lender negotiation]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[state laws]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1546</guid>
		<description><![CDATA[As lenders try to minimize losses in today’s real estate climate, they’re trying to grab every income stream they can.  For example, if you’re doing the right thing and trying to sell your home through a short sale, or pursuing a deed in lieu…or even if your home is foreclosed upon, they may still come after you for the debt you owe!  Find out how to protect yourself in today's article.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/deficiency-judgment-dirty-tricks/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>My First Rant &#8212; The Foreclosure Industry</title>
		<link>http://www.truthinforeclosure.com/my-first-rant-the-foreclosure-industry</link>
		<comments>http://www.truthinforeclosure.com/my-first-rant-the-foreclosure-industry#comments</comments>
		<pubDate>Wed, 03 Jun 2009 11:14:00 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[opinion]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1412</guid>
		<description><![CDATA[After a few months of writing several times a week about foreclosure-related topics, I've decided it's time to rant a little bit and to ask for some help.  You see, unlike most of the so-called bloggers and forums our there today, this one is truly here to help.  That sounds more than a little egotistical as I write it.  But if you've been looking for reliable, timely, well-researched foreclosure information that isn't aimed at trying to get you to sign up for something, I'll bet you agree with me.  You'll also find out why the President and Congress are wrong to focus on keeping you in your home.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/my-first-rant-the-foreclosure-industry/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Interviewing a Professional Hardship Letter Writer</title>
		<link>http://www.truthinforeclosure.com/interviewing-a-professional-hardship-letter-writer</link>
		<comments>http://www.truthinforeclosure.com/interviewing-a-professional-hardship-letter-writer#comments</comments>
		<pubDate>Mon, 01 Jun 2009 02:24:16 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1402</guid>
		<description><![CDATA[Last week, I interviewed a professional hardship letter writer to get answers to homeowner-submitted questions.  Becky DeGrossa has spent the last 2 years writing hardship letters for homeowners in all sorts of situations.  Listen as we discuss what a legitimate hardship is, whether you have to be behind on your mortgage to get them to pay attention, using emotions to play on the heart strings of your servicer, what ABSOLUTELY MUST be in your hardship letter...and what not to put in it.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/interviewing-a-professional-hardship-letter-writer/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
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		</item>
		<item>
		<title>The 3 Steps Your Lender Must Take for a Home Affordable Modification</title>
		<link>http://www.truthinforeclosure.com/the-3-steps-your-lender-must-take-for-a-home-affordable-modification</link>
		<comments>http://www.truthinforeclosure.com/the-3-steps-your-lender-must-take-for-a-home-affordable-modification#comments</comments>
		<pubDate>Mon, 25 May 2009 15:53:50 +0000</pubDate>
		<dc:creator>Becky DeGrossa</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[loan modification]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1379</guid>
		<description><![CDATA[Many people don't seem to realize that when their lenders elected to participate in the Home Affordable Modification Program (HMP), they also agreed to follow a very specific step-by-step process to get your monthly mortgage payments down to where your debt-to-income (DTI) ratio is as close as possible to 31%, without going under 31%.  So while you may have created your own strategy for reaching payments that you can afford, if it doesn't follow the above steps, it won't matter how ingenious your ideas were.  Find out how to join us at 9 pm EST this Thursday (May 28th) for a conference call where Todd and Becky how to write a hardship letter as well by visiting this article on the site now.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/the-3-steps-your-lender-must-take-for-a-home-affordable-modification/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Private No-Interest Loans for Homeowners</title>
		<link>http://www.truthinforeclosure.com/private-no-interest-loans-for-homeowners</link>
		<comments>http://www.truthinforeclosure.com/private-no-interest-loans-for-homeowners#comments</comments>
		<pubDate>Fri, 15 May 2009 11:36:58 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Keep My Home]]></category>
		<category><![CDATA[Tips & Tools]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1330</guid>
		<description><![CDATA[This article has been removed from the site because the program it described is not open to the public and we have been unable to get a list of foundations that offer assistance direct to homeowners.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/private-no-interest-loans-for-homeowners/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware the Scams</title>
		<link>http://www.truthinforeclosure.com/beware-the-scams</link>
		<comments>http://www.truthinforeclosure.com/beware-the-scams#comments</comments>
		<pubDate>Mon, 02 Feb 2009 12:11:51 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1033</guid>
		<description><![CDATA[Over the past two weeks, I've noticing a trend in the news:  homeowners getting taken advantage of by scam artists.  The bottom line is...if it seems to be too good to be true...it is.
]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/beware-the-scams/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Foreclosure Scams</title>
		<link>http://www.truthinforeclosure.com/foreclosure-scams</link>
		<comments>http://www.truthinforeclosure.com/foreclosure-scams#comments</comments>
		<pubDate>Sun, 11 Jan 2009 05:19:48 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=908</guid>
		<description><![CDATA[It's unfortunate to say the least, but there are people and companies around the country that see the rise in foreclosures as an opportunity to make a lot of money at the expense of vulnerable homeowners and families.  People fall victim to these unscrupulous scammers every day.  See how you can spot a scam artist and protect yourself...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/foreclosure-scams/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Keeping Your Sanity</title>
		<link>http://www.truthinforeclosure.com/keeping-your-sanity</link>
		<comments>http://www.truthinforeclosure.com/keeping-your-sanity#comments</comments>
		<pubDate>Thu, 01 Jan 2009 01:34:58 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[workout]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=768</guid>
		<description><![CDATA[If you've found yourself trying to remember the name of the last person you talked to at your bank or when you talked to them, our contact tracker will help.  It's not fancy, but it's essential to your sanity...and it's free! Get your copy now!]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/keeping-your-sanity/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Your Secret Weapon</title>
		<link>http://www.truthinforeclosure.com/your-secret-weapon</link>
		<comments>http://www.truthinforeclosure.com/your-secret-weapon#comments</comments>
		<pubDate>Tue, 16 Dec 2008 16:51:39 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[lender negotiation]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=684</guid>
		<description><![CDATA[One of the most important things you can do to insure the success of your efforts has nothing to do with your knowledge, skills, or income.  You have complete control over this secret weapon and can use it to snatch victory from the jaws of defeat.  So what is your secret weapon?]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/your-secret-weapon/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Single Biggest Hardship Letter Success Factor</title>
		<link>http://www.truthinforeclosure.com/single-biggest-hardship-letter-success-factor</link>
		<comments>http://www.truthinforeclosure.com/single-biggest-hardship-letter-success-factor#comments</comments>
		<pubDate>Mon, 15 Dec 2008 17:40:00 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[workout]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=663</guid>
		<description><![CDATA[The single biggest factor in whether your lender can help you is usually whether your hardship condition is resolved.  If it isn’t, it's unlikely your lender will be able to re-negotiate your loan. The reason is simple...they're legally not allowed to enter a new agreement with you if they know you're unable to meet the conditions of that agreement.  What options do you have if you're in this situation?]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/single-biggest-hardship-letter-success-factor/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Writer&#8217;s Block Keeping You from Writing a Hardship Letter?</title>
		<link>http://www.truthinforeclosure.com/writers-block-keeping-you-from-writing-a-hardship-letter</link>
		<comments>http://www.truthinforeclosure.com/writers-block-keeping-you-from-writing-a-hardship-letter#comments</comments>
		<pubDate>Thu, 16 Oct 2008 19:01:46 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[lender negotiation]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[workout]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=589</guid>
		<description><![CDATA[If you're in or nearing foreclosure, you need to write a hardship letter to explain your situation to your lender. You know that...everyone knows that.  Are you stuck trying to decide what you should say or how you should say it? Do you know what your lender expects to see in the letter?  
If you're looking for info to help you break down your wall of writer's block...good luck finding it on the Internet. It's probably all there, but how do you know if it's correct or not. And do you have the time to devote to finding it and trying to figure out if it's true or not?

]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/writers-block-keeping-you-from-writing-a-hardship-letter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Feel Like Quitting?</title>
		<link>http://www.truthinforeclosure.com/feel-like-quitting</link>
		<comments>http://www.truthinforeclosure.com/feel-like-quitting#comments</comments>
		<pubDate>Thu, 09 Oct 2008 03:33:18 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[lender negotiation]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[workout]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=558</guid>
		<description><![CDATA[With all the gloom and doom in the news today, it can be tempting to give up on trying to negotiate with your lender.  The process is difficult, but all you all have to do is persist.  The difficulty has a way of weeding out the weak and those that do not have the financial ability to stay in their home. Not all homes can be saved, but if yours can, I hope this encourages you to keep trying.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/feel-like-quitting/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>See How Easily You Can Be Scammed</title>
		<link>http://www.truthinforeclosure.com/see-how-easily-you-can-be-scammed</link>
		<comments>http://www.truthinforeclosure.com/see-how-easily-you-can-be-scammed#comments</comments>
		<pubDate>Tue, 09 Sep 2008 02:23:07 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[lender negotiation]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=471</guid>
		<description><![CDATA[In today's real estate environment, you have to be careful about who you trust.  These ten steps will ensure you are not scammed by someone trying to 'help' you.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/see-how-easily-you-can-be-scammed/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Write a Real Estate Hardship Letter</title>
		<link>http://www.truthinforeclosure.com/writing-a-real-estate-hardship-letter</link>
		<comments>http://www.truthinforeclosure.com/writing-a-real-estate-hardship-letter#comments</comments>
		<pubDate>Sun, 07 Sep 2008 02:44:16 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[lender negotiation]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=440</guid>
		<description><![CDATA[Many of the sample letters we've seen on the internet have it all wrong!  Keep these 5 tips in mind and you'll get your lender on your side trying to help you rather than rolling their eyes in frustration.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/writing-a-real-estate-hardship-letter/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Sample Hardship Letter for Foreclosure</title>
		<link>http://www.truthinforeclosure.com/hardship-letter</link>
		<comments>http://www.truthinforeclosure.com/hardship-letter#comments</comments>
		<pubDate>Mon, 18 Feb 2008 12:35:06 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=212</guid>
		<description><![CDATA[As part of your hardship package, you will be required to submit a hardship letter.  This is your opportunity to tell your story to the lender's negotiator.  While you want to maintain a professional tone throughout the letter, you need to show your personal side and the struggles that put you in the financial situation you're in and put your home into foreclosure.  Use this sample hardship letter to begin the process.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/hardship-letter/feed</wfw:commentRss>
		<slash:comments>15</slash:comments>
		</item>
		<item>
		<title>Discover How to Decide</title>
		<link>http://www.truthinforeclosure.com/discover-how-to-decide</link>
		<comments>http://www.truthinforeclosure.com/discover-how-to-decide#comments</comments>
		<pubDate>Thu, 13 Dec 2007 02:16:28 +0000</pubDate>
		<dc:creator>Todd Temaat</dc:creator>
				<category><![CDATA[Tips & Tools]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[workout]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=365</guid>
		<description><![CDATA[Many homeowners can negotiate their own workout agreement with their lender.  It takes persistence and determination.  There are pitfalls to be aware of too, though.  Find out if you are in the group that has a high likelihood of success or if you could benefit from some extra guidance and hand-holding along the way.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/discover-how-to-decide/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
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