Impending such a strong and terminal word. The pure fact that something is impending (meaning to happen in the future) is a dark and ugly shadow over many people. Especially in this crazy economy we are in. You see when that word impending is used it’s in conjunction with foreclosure, bankruptcy, death. You know what I am saying it’s going to be final.

Why is it that so many people are impending financial disaster within their own lives even when they have seen the signs all around them warning them of immediate change that needs to be taken in and implemented. It sounds so crazy to me that people would still rather live in a shadowed word where they are behind glass walls, just waiting for someone to throw a stone at you.

So forget the impending problems we need to focus on the impending solutions instead. What are you faced with? Foreclosure? Not a problem. Over Leveraged Debt? Again no problem. Are you behind on taxes? Still no problem. No matter what the financial outlook seems like it can always be altered. You do not have to wait for the worst impending situation to prompt you to get help. You have leeway and lead time to get all of your ducks in a row, so to speak.

You know it feels like you are all alone when these types of financial uncertainties take form in your life, however it’s not like you just woke up one day and there was a problem. You had some insider information that warned you about this some time ago. Maybe you just need to step aside and get out of your own way.

Have you ever felt trapped by your fear or emotions? We have all been victimized by it in one way or another well it’s time to get over it. For many positive reasons. For starter imaging eliminating tons of undue stress in your life. How about the increased cash you keep from eliminating debt and start carving out a brighter future? Nothing in life is for certain except that you have to stand up for what matters most.

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 Funny how circumstance ccan reshape your life in an instant. You know those times in life when life changes and you need to be quick on your feet.

First off let’s examine two crucial reasons why you would want to use a hardship letter in the first place…

1) Many time especially in the most recent of times people are requesting that their mortgage company let the home owners “short sale” their homes to avoid foreclosure or ask for a mortgage modification.

2) To ask your bank or credit card company(s) to consolidate or negotiate your debts for a more comfortable payment plan.

3) Other typical financial hardship letters include: requests to a college or university to reduce their admission fees due to special circumstances, appeals to a hospital or medical care provider to reduce their billings for compassionate reasons, or, a request to an insurance company to cover the costs of an unusual medical procedure or treatment, and others.

So I found this article this morning and I wanted to make sure that you had these tips at hand to guide you through any raging waters you may be experiencing in your life.  Or if you are in the financial services arena you can use these ideas for your clients as well.

http://www.writinghelp-central.com/write-hardship-letter.html

I am sure you will find these tips useful and beneficial to you.

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I hear this cry from many people worried about their financial circumstances after they have decided that bankruptcy is their only alternative when it comes to recovering from financial hardship. I’m not an attorney yet I work very closely with them in my real estate business.

On many occasions bankruptcy is leveraged to persuade a bank or lending institution to cooperate with a request to modify a homeowners mortgage or reduce unsecured credit card debt. Also bankruptcy is leveraged to stay (stop) a foreclosure. Many times this works as a strategy; although in certain circumstances it’s the only option.

I speak from personal experience when it comes to this, I had to file for personal bankruptcy several years ago to save my home from foreclosure. I figured since I was able to restructure my debt I would be alright. I went ahead with the bankruptcy filing to save my home from being sold at an auction, little did I know this was the beginning of my financial school of hard knocks.

I wound up not being able to make the payments to the trustee of the courts, which was violating the agreement I had made with the judge. I wound up dismissing my own BK so I could sell my house and make a run with the profits so I could find another place to live.

This is where my story “The Pillars of Wealth” really began. It was here where my eyes really were opened into the financial world and how if you weren’t involved in making the correct choices, you were going to be consumed by it. Take a look at our financial hardships as a Nation currently; our jobless rate and unemployment rates are skyrocketing; our unemployment offices are running out of money.

The “Wall Street/Main Street”meltdown, global economic chaos and crisis. The truth is we have really only seen the beginning. Once the foreclosure moratorium is lifted a new wave of homes and struggling families will emerge as the new generation of victims to this tragedy.

So back to my opening statement with bankruptcies on the rise as more and more families face tough challenges we find our world torn between the rule of 7 to 10 years of derogatory remarks pertaining to bankruptcy, the “taboo” of what bankruptcy means etc…

When making the decision to file you need to find a compassionate attorney, one who actually has your interests in mind not theirs I highly recommend using the “Discount family legal plan of America” through your “First Class FDI Membership”. Of course you can use your own sought out attorney yet with this membership you receive flat rates on Chapter 7 bankruptcy as well as discounted legal advise if you go outside of your free services. I’ll get more into that in another article as for now the recovery from a bankruptcy varies depending on which chapter you file. Chapter 13 is the worst bankruptcy you can file for.

Not only do you have to keep all of your debt, repayment to your creditors over a max three year period. You still have to budget your regular monthly expenses and the new proposed payment for the bankruptcy. Your credit is plagued with the bankruptcy for a period of 10 years instead of seven, you are not allowed to obtain new lines of credit during the repayment and a whole slough of rules to obied by.

With a chapter seven the bankruptcy is on your credit report for a period of seven years and you can start rebuilding after a two year waiting period. You figure out how to recover your finances, plan accordingly, and begin to establish a regular savings and investment account. You can continue to acquire financial stability during the bankruptcy, as long as you do not use credit during the “freeze or cooling” period.

I remember the feeling of receiving my first line of credit after my bankruptcy, the pride and confident feeling of recovery, then within a period of 9 months I had established a second line of credit and then a third. The same thing for my wife, we rebuilt our financial lives back from rock bottom. One line of credit at a time, one dollar at a time.

We knew the true value of credit, making good choices as opposed to running on an empty wallet, maxed out credit cards and the error of our ways (which indecently were mostly my decisions in the end.) I knew I had poor financial skill when it came to managing money long ago, I just never realized what the outcome would be.

My parents (mainly my Mother) spent money she hadn’t even received. I had become to accept this as normal, bankruptcy had happened in my before. Yet as a child I didn’t understand, even as an adult most people know that filing for bankruptcies are not good, many people that have not experienced this cannot relate to the concept.

Your pain is temporary although the pride that gets hurt in the process can scar you for a long time. This isn’t a bad thing and you shouldn’t look at it as one either, take the painful lesson, learn from it, take corrective action steps to change your money psychology.

Remember the path that brought you to this junction in the first place; then as you begin to educate and rebuild your financial security, you will be more proactive in making smarter financial choices. It’s from this point that success develops and becomes habitual for you. This is when you start to shine, choices you used to make seem so trivial.
You wonder why you had ever walked this path in the first place, you realize that your having to have it all now attitude. The “instant gratification mindset” or what I like to call consumerism mindset; you used to have will always tempt you to make impulse purchases, try to get you to blow your money like you used too.

However then the remembrance of your financial trial and tribulation, your onset to bankruptcy in the first place will dominate your feelings and the subconscious mind will usually prevail if you just listen. Otherwise you wind up living the time old phrase that states…

”For those who don’t learn from the past; they are doomed to repeat it.” Look at our current financial situation once more before we go, where do you stand today? Are you thriving or barely surviving? Only you know where you are, only you know how to stop the pain. I can guide you, I can even mentor you but only if and when you are ready.

Seek me out, ask for assistance and you shall receive. In fact coming in August I am releasing my first “financial fitness from financial failure courses” Whether you are looking to gain exposure to new resources to help with your finances, learn new ways to create consistent returns on your portfolio, build a business to invest or get out from under your current financial hardship circumstances. We will have the solution for you.

If you have not taken the time to download my book “The Pillars of Wealth” I suggest you do it now just click on the title above and you’ll be taken immediately to the download page to receive your copy.

If you feel that a book won’t help your situation you should take the few minutes to watch the “Financial Destination Inc.” video, then head on over to the main page to learn all about the Financial Destination Inc., a company dedicated to serving all of your future financial needs and learn what we can offer for you.

I guarantee this is the fastest way I can think of to recover from bankruptcy, financial hardship, all while learning the secrets to being successful with your finances; taking charge and control over your life once and for all, instead of always being the victim.

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For thousands of devastated families who have lost their homes due to the inability to make payment the real life struggle hits home. People are being turned away from apartments, rental properties, and so forth because land lords and apartment leasing managers are scared to death of the foreclosure on the credit report.

If seeing your home sold on the steps of the court wasn’t enough, now they cannot even find shelter. This story saddens me deeply because i remember a time when the simple things in life such as food and shelter were so far out of reach.

My wife and I had to look all around at people in every walk of life. There were those of them who had money, nice cars and homes; then there were those of us who had not. We slept out under the stars, parked in cars and hoping that the police wouldn’t come to chase out of a safe spot for the night. The epidemic is far greater than anyone expected and we are at the cream of the harvesting season. With more than two years left for adjusting and forecasting on home loans there are sure to be harder times to follow.

Feel the pain and then get excited because when you are against the ropes you have only two moves to make. Either you get knocked out or you knock the opponent out.

See more of the struggles foreclosed homeowners are faced with here

http://seattlepi.nwsource.com/money/358820_real12.html

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