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	<title>eForeclosurePedia</title>
	
	<link>http://eforeclosurepedia.com</link>
	<description>Foreclosure Resource</description>
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		<title>Complete List of Loss Mitigation Departments</title>
		<link>http://eforeclosurepedia.com/complete-list-of-loss-mitigation-departments/</link>
		<comments>http://eforeclosurepedia.com/complete-list-of-loss-mitigation-departments/#comments</comments>
		<pubDate>Thu, 09 Apr 2009 10:38:39 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[Avoid Foreclosure]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=248</guid>
		<description><![CDATA[The first step to avoiding foreclosure with your lender, is to contact them to work out a repayment plan.  Most lenders do not want to lose money on the property by foreclosing.  Being proactive and aggressively exploring all options could help you avoid foreclosure.  The time is ticking quickly, so it&#8217;s important to act quickly.
Mortgage [...]]]></description>
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		<title>How Long is Left Before Moving Out?</title>
		<link>http://eforeclosurepedia.com/how-long-is-left-before-moving-out/</link>
		<comments>http://eforeclosurepedia.com/how-long-is-left-before-moving-out/#comments</comments>
		<pubDate>Tue, 07 Apr 2009 10:11:46 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[Foreclosure]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=246</guid>
		<description><![CDATA[So when should you move out of a foreclosure property?  Typically a foreclosure auction will be taped to the door or garage stating the date of eviction, in which you must be moved out.  You should move out a day before this date.  The tenant does not need to leave early.  It helps to stay [...]]]></description>
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		<title>Avoiding Foreclosure</title>
		<link>http://eforeclosurepedia.com/avoiding-foreclosure/</link>
		<comments>http://eforeclosurepedia.com/avoiding-foreclosure/#comments</comments>
		<pubDate>Mon, 06 Apr 2009 10:43:26 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[Foreclosure]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=242</guid>
		<description><![CDATA[If you are about to enter foreclosure and have already started to miss payments, call your lender.  Even if you are aware that payments are becoming hard to pay on time, it is important to act quickly and swiftly when facing foreclosure.   Calling your lender early could help avoid future problems.
Your mortgage servicer should have [...]]]></description>
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		<item>
		<title>The Faces of Foreclosure</title>
		<link>http://eforeclosurepedia.com/the-faces-of-foreclosure/</link>
		<comments>http://eforeclosurepedia.com/the-faces-of-foreclosure/#comments</comments>
		<pubDate>Mon, 30 Mar 2009 10:30:10 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=240</guid>
		<description><![CDATA[Each day many homeowners receive a foreclosure notice all across the United States, effecting not just neighborhood but from the inner city to middle class, and even the quite wealthy areas.
Many of the foreclosures have hit young families, first time homebuyers and middle age couples.
So, who&#8217;s to blame?  Everyone is pointing fingers at each other [...]]]></description>
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		<title>Landlords Facing Foreclosure</title>
		<link>http://eforeclosurepedia.com/landlords-facing-foreclosure/</link>
		<comments>http://eforeclosurepedia.com/landlords-facing-foreclosure/#comments</comments>
		<pubDate>Tue, 17 Mar 2009 10:45:58 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[Foreclosure]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=234</guid>
		<description><![CDATA[It&#8217;s been happening more frequently, where tenants are being evicted due to the landlord facing mortgage foreclosure.  Unfortunately, many tenants do not know there is anything wrong until a sheriff comes to the property to serve the foreclosure notice.  The tenant has already paid the montly rent and somehow the landlord let the mortgage fall [...]]]></description>
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		<title>Foreclosure Knocking on Your Door?</title>
		<link>http://eforeclosurepedia.com/foreclosure-knocking-on-your-door/</link>
		<comments>http://eforeclosurepedia.com/foreclosure-knocking-on-your-door/#comments</comments>
		<pubDate>Tue, 10 Feb 2009 10:24:56 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[conventional loan]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[deficiency judgment]]></category>
		<category><![CDATA[home foreclosure]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=216</guid>
		<description><![CDATA[There are a few stages to foreclosures &#8211; the later stage the more harsh the penalties to your credit rating.  Thus, the faster you act, the better the outcome.
Here is a list of scenarios from worse to least-damaging in the foreclosure process.
Foreclosure
-Damage your credit rating for 7 to 10 or more years.
-You will not be [...]]]></description>
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		<title>Don’t Give Up On Your House in Foreclosure</title>
		<link>http://eforeclosurepedia.com/dont-give-up-on-your-house-in-foreclosure/</link>
		<comments>http://eforeclosurepedia.com/dont-give-up-on-your-house-in-foreclosure/#comments</comments>
		<pubDate>Tue, 03 Feb 2009 10:48:37 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[Avoid Foreclosure]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[experienced real estate]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[real estate agents]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=214</guid>
		<description><![CDATA[If you find that you are on the edge of foreclosure, what should you do?
You should resist the urge to freeze up and do nothing.  You should face the issue on hand and prepare by making phone calls and finding some aid.
Don&#8217;t assume that it is too late to act.  As long as you are [...]]]></description>
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		<title>Foreclosure Prevention Act of 2008</title>
		<link>http://eforeclosurepedia.com/foreclosure-prevention-act-of-2008/</link>
		<comments>http://eforeclosurepedia.com/foreclosure-prevention-act-of-2008/#comments</comments>
		<pubDate>Fri, 28 Nov 2008 10:52:13 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[Avoid Foreclosure]]></category>
		<category><![CDATA[foreclosure 2008]]></category>
		<category><![CDATA[foreclosure act]]></category>
		<category><![CDATA[prevent foreclosure]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=192</guid>
		<description><![CDATA[
Last April the Senate proposed legislation to prevent foreclosure from happening so quickly.  Here are some benefits of the Act:
FHA Modernization &#8211; Ensures that more families can access the FHA program which provides safe, fixed-rate mortgages.  The FHA loan limit under this bill is increased from 95% to 100% of median home prices [...]]]></description>
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		<item>
		<title>Can you Stop a Foreclosure with a Hardship Letter?</title>
		<link>http://eforeclosurepedia.com/can-you-stop-a-foreclosure-with-a-hardship-letter/</link>
		<comments>http://eforeclosurepedia.com/can-you-stop-a-foreclosure-with-a-hardship-letter/#comments</comments>
		<pubDate>Wed, 26 Nov 2008 10:37:39 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[hardship letter]]></category>
		<category><![CDATA[stop foreclosure]]></category>
		<category><![CDATA[stopping foreclosure]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=190</guid>
		<description><![CDATA[
Do you need a hardship letter to work out a loan modification?  Your personal financial hardship letter can be the key to convincing the lender that your situation caused you to fall behind on mortgage payments just temporarily, involuntarily and&#8230;in the end it was an unavoidable situation for you and your family.
Here are some [...]]]></description>
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		<title>California Foreclosure Filings Slow Down in September</title>
		<link>http://eforeclosurepedia.com/california-foreclosure-filings-slow-down-in-september/</link>
		<comments>http://eforeclosurepedia.com/california-foreclosure-filings-slow-down-in-september/#comments</comments>
		<pubDate>Thu, 16 Oct 2008 11:05:54 +0000</pubDate>
		<dc:creator>Susan S.</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[avoiding foreclosure]]></category>

		<guid isPermaLink="false">http://eforeclosurepedia.com/?p=188</guid>
		<description><![CDATA[According to September 2008 California Foreclosure Report released by ForeclosureRadar.com, the notice of defaults (NODs) fell 61.8 percent in September due to new legislation that went into effect on September 8th.  The report says the drop in foreclosure filings was due to the California State Senate Bill 1137 which requires lender to contact default homeowners [...]]]></description>
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