Be careful who you deal with! There are many inexperienced people out there who just graduated from a real estate seminar.   Make  sure  you  are  dealing  with a company that has been established  here  in  Portland,  Oregon  for  many  years.  Fresh Start for the Homeowner, Inc. has been in  business  serving  the  Portland,  Oregon Metropolitan area and Vancouver, Washington  since 1992 and are Members of the Better Business Bureau for over 10 years.

Often we can create equity by negotiating with your lender to reduce
the debt.  Once the lender is willing to take less than what is owed
you can either sell the home or do the lease option program.

We seen too many houses listed that are in foreclosure end up going to
foreclosure because the house didn't sell.  Remember, you only have a short time frame to sell the house and in today's market houses aren't selling quickly like in the past.  They may sit for six months or longer.  You don't have that long.

We know many creative ways to sell a property other than just looking for a retail buyer.  We have a network of buyers  that can buy your property and can close quickly.

We have found in most cases that bankruptcy mostly only delays the foreclosure.
According to statistics approximately 80% of the people who do a chapter 13 end up back into foreclosure again.  Once you miss a single payment to your lender they can petition the court to restart the foreclosure process and often set the foreclosure sale date within a few weeks instead of months.  Whether you declare chapter 7 or 13 you still will have to pay your secure creditors and bankruptcy will remain on your credit up to ten years.

This is called a deficiency judgment. This can happen if the lender doesn't
receive it's full amount at the foreclosure auction.  For example, you put a 2nd mortgage on after you bought the property for 50K and the first mortgage holder is owed 200K.  The first mortgage holder is foreclosing and at the sale the highest bidder is 200K.  What did the 2nd mortgage holder receive?  Nothing!  They
get the excess above the 200K which was zero.  Guess who they are going to go
after for their loss?  You say I don't have anything but they know some day you'll
get back on your feet and will have to deal with them in the future.  So if you can avoid the foreclosure and work it out with your lender that is your best option.
Call us, we can help.

The initial consultation is free.  We have several different programs
and you can choose which one is best for you.  The forbearance
workout program varies per situation.  Please call us to find out.
All our services are guaranteed so if we can't solve your situation
you don't owe us a dime.

Yes!  We have several ways we can stall or stop the foreclosure dead in
its tracks but you must call us immediately!  503-761-1333 or 877-786-7367.

We see this far too often.  People just give up and abandon the property.
The down side to this is that they will have a foreclosure on their credit
and the bank could go after them for a deficiency judgment.  See explanation
of a deficiency judgment above.

We see this far too often.  People just give up and abandon the property.
The down side to this is that they will have a foreclosure on their credit
and the bank could go after them for a deficiency judgment.  See explanation
of a deficiency judgment below.

We go to great lengths to make sure our information is accurate and  
useful, however, we are not attorneys and are not offering legal advice.