I’m Kurt O’Keefe, a Michigan consumer protection lawyer. On the next page I’ll show you some of the special information… just for homeowners like you… that you will find in “The Consumer’s Guide to Defending Foreclosure”. In this special report, I share with you:

• NINE Secrets of defending your foreclosure
• SIX of the serious mistakes lenders make in foreclosure cases
• TEN warning signs that a foreclosure rescue scammer has set his sights on you
• FOUR of your important legal rights in a foreclosure case
• SIX ways to attack the lender’s foreclosure case
• FOUR mistakes that will lose your case right from the start… and how to avoid them
• THREE ways to tell if you have the wrong attorney… including:

• How to tell a paper-pusher from a fighter

• What to do when you find the right attorney for your case

• AND more…

This special report is my gift to you… no strings attached.

Why Am I Doing This?

Because like you, I grew up in Michigan, I worked on the assembly line and in the upset department of a shop to get through school. I know the Detroit lunch bucket worker ethic that built our town.

I remember when Detroit had the highest percentage of home ownership in the country. Now the greedy Wall Street bankers, mortgage companies, crooked brokers and appraisers have turned Michigan into the state with the most foreclosures. And the scammers are still there, some of them even offering to pick up your money from you at your house. This FREE special report, “The Consumer’s Guide to Defending Foreclosure” is just a small pay-back to the community I grew up in and still love.

Your Situation May Look Awful, But It Is NOT Hopeless!

Look, it’s true that right now you have a big, Goliath-looking bank threatening to take your home and throw your family out on the streets. They will do exactly that if you let them. And, if you don’t do anything you will end up broke and homeless.

You have dozens and dozens of people claiming their scheme will help you keep your house… but after they stick their hand in your pocket and swipe a couple thousand of your

Let’s take a quick look at each of these scams:

• No matter what you read in the paper, you know the truth… your mortgage company isn’t going to work with you. They would already be doing that if it were true.

• Some of these guys claim they can get the mortgage company to “modify” your loan. If your mortgage company was really willing to modify your loan, don’t you think they might have mentioned it to you? After all, foreclosure is more expensive and risky for them.

• One of the craziest scams is “forbearance”. While it is true that this can be done in rare circumstances, the window of opportunity opens briefly if at all. You almost have to plan ahead to even try this. A successful forbearance is so rare that you’d have a better chance winning Lotto.

• Real estate people offer all sorts of “mortgage rescue” scams. No matter what they say, they all want the same thing… your home. And they plan to get it cheap.

The whole point of these “deals” is like sharks and blood in the water. They’re coming in for the kill. All they really want is to kick you to the curb so they can sell your home and make a fortune for themselves.

In fact, The Wall Street Journal recently reported a “new wave of fraud” affecting “thousands upon thousands” of homeowners. The F.B.I. is investigating more than 1,200 mortgage fraud cases with more being added every day.

Protect yourself from this new wave of fraud. “The Consumer’s Guide to Defending Foreclosure” shows you how . Call (313) 962-4630 today for your FREE copy. Or download it HERE

Let Me Share a Secret That Terrifies Banks and Mortgage Companies…

You might not realize it, but while they were hurrying to get you signed up for a mortgage, mortgage brokers and real estate agents sometimes cut a few regulatory corners.

In their haste to make more money selling loans like yours to hedge funds and other wealthy investors, they got sloppy… they made mistakes… big time mistakes. The paperwork for loans like yours got shuffled from one bank to the next… from one swindler to the next… in their big real estate poker game. Stuff got lost. Important stuff… some so serious that the mortgage could be rescinded and torn up if they can’t prove you owe them the money.

…Far More of These Documents Have Been Lost Than Bankers Admit!

For example, Citibank and Wells Fargo tried to tell an Atlanta court that Zella Mae Green, a 68-year old seamstress, had not made a house payment in nine years. They couldn’t find her payment record.

Katherine Porter, a University of Iowa law professor, studied hundreds these cases and found that lenders routinely fail to file required documents in bankruptcy cases to prove what consumers owe. And their accounting systems, she said, make it hard for them to track the history of payments over the life of a loan.

The bank or mortgage company that is trying to throw you out of your home could suffer from the same sloppy bookkeeping!

This is just one of the secrets revealed in ”The Consumer’s Guide to Defending Foreclosure” . Call today for your FREE copy or download it from http://stopcreditor.com/foreclosure-book-order-form/ .

I’ve been going on for a few pages… let me introduce myself.

HERE’S WHO I AM

In the summer of 1973, I put right rear marker lights in Chrysler New Yorkers and Imperials at the Jefferson Assembly plant in Detroit. The next four summers, I worked mostly in the heat treat and upset departments at the Lear Siegler automotive division on Kelly and Tireman in Detroit.

I am an honorably withdrawn member of the UAW.

During the school year, I bussed tables and washed pots and pans and bussed tables.

I worked with other blue collar laborers, the honest, hard working, lunch pail type for which Detroit and Michigan have been known for decades.

I drove a Valiant that was five different colors due to various training incidents as many of us learned to drive in it. One of the doors was from a Dodge Dart, a junkyard replacement due to one of the incidents.

I am a lifelong resident of Michigan, I love the state and its people. We have the best public universities (hey, my best man and two of my brothers are Spartans) the best fresh water, the best fall color, hunting, fishing, boating, skiing, pro sports including auto racing, a water-winter wonderland, in short, the best place to live.

What have the politicians done to chase jobs out of our state?

The Wall Street investment bankers who brought us this crisis are still driving their foreign made Ferraris and other luxury cars, guys who never broke a sweat in their lives, when they should be looking at the sun come up in chunks through their jail cells.

I have always bought American, and I always will.

I have 29 years experience in bankruptcy and other consumer law fields, received his B.A., cum laude, from the University of Michigan in 1976 and J.D. from Wayne State University law school in 1979.

I am board certified in consumer bankruptcy law by the American Board of Certification, since October 11, 2001, Martindale Hubbell rating is a/v, highest rating possible. I am Michigan State Chair for the more than 150 state members of the National Association of Consumer Bankruptcy Attorneys.

Here’s How I Can Help

First, I’m offering you hope… not magic… not miracles… but a track record of proven results.

Imagine keeping your home… your kids get to sleep in the same beds, go to the same school, and keep their friends… having some time to make up the payments you missed… having time to get the current problems in your life straightened out.

Those are the results I’m talking about.

We can achieve these results in bankruptcy court. Now, I know that you have heard a lot of negative things about bankruptcy… shameful… immoral… a stain on your reputation and credit. I used to believe that too. My Dad believed that.

But then I discovered the truth…

Congress passed the Federal Bankruptcy Code to rescue normal everyday working Americans from the clutches of these greedy swindlers. Your Congressman knows that in tough time like these, bad things do happen to good people, so they set up legal rescue process – the bankruptcy laws.

In fact, Congress recently listened to the average American working family, felt their pain, and passed the Helping Families Save Their Homes in Bankruptcy Act of 2009 and it could be the best news you’ve heard… ever!

The banks and mortgage companies hate it and they’re trying to get it changed, but if we act right now you can get the judge to make major changes… in your favor… to your mortgage!

Call my office at (313) 962-4630 so I can tell you how we can get a judge to reduce the loan value on your home to what it is really worth today… make huge reductions in your interest rate… stretch your payments out to 40 years… and more.

The truth is bankruptcy is there to help you.

While we’re on the topic…

7 Things Most People Don’t Know About Bankruptcy…

Filing bankruptcy DOES NOT make you a bad person. Congress passed the bankruptcy laws to help individuals and businesses with severe financial problems get a fresh financial start and become productive members of society again.

Filing bankruptcy DOES NOT make you a “loser”. Many famous people such as Larry King, Walt Disney, Donald Trump and even former President Ulysses S. Grant filed for bankruptcy.

You DO NOT lose your car and your home when you file bankruptcy. Most people get to keep all their belongings when they file for bankruptcy.

Bankruptcy WILL NOT ruin your credit. Filing for bankruptcy will actually improve your credit score because the world will see you’re taking care of your bills rather than running from them.

You CAN file alone. Your spouse doesn’t have to file with you.

Your name WILL NOT be in the newspaper. While it is true that bankruptcy is on the public record, nobody finds out unless they go to the court and specifically search for your name.

Bankruptcy IS NOT expensive. “Expensive” is a relative term. Think about the costs of finding a new apartment, paying all the deposits, transferring your utility bills… the phone… cable TV, hiring movers, paying to store furniture that won’t fit in your new apartment, and all the rest.

I have to tell you, bankruptcy isn’t for everyone, but for the right person in a situation like yours, it’s the best way to secure your future. However, it isn’t necessary in every foreclosure case.

When You Ask For My Help, Here’s What Will Happen...

• First, we ask the court to put your foreclosure on hold while I dig through their paperwork searching for errors. This will also give you some time to work out your finances.
• Next, we turn the tables and force the mortgage company or bank to deal with you.
• If I find that they made errors, cut corners, or failed to comply with every regulatory requirement, we’ll sue them and get you money.

SEE NEXT PAGE

• We will force them to account for every penny and make them answer for all their lies.
• In the end, you have a chance to save your home and you will have the time and opportunity to get your financial situation straightened out,

You will find more information about the process in ”The Consumer’s Guide to Defending Foreclosure” . Call today for your FREE copy. It will give you a lot of unbiased information about defending your foreclosure. You can also download it from http://stopcreditor.com/foreclosure-book-order-form/