This book is for anyone who is in a bad mortgage situation. You have an adjustable loan; your monthly payment has now skyrocketed to an amount you can’t afford on a monthly basis. That is the situation I found myself in. After four applications to my bank for a loan modification, I decided I needed to get professional help. Craig Triance is my lawyer and co-author in this biographical “how to” book about my process to save my home. We captured the critical things I learned along the way, so you can avoid making common mistakes. The rules are legally accurate, but may include strategies that the banks don’t want you to know. We want you to be able to save your house also, and the rules in this book give you a complete guide to doing just that.

The book is divided into three different sections of rules, based on where in the process you are. Section 1: How did you get into this mess? The rules in this section examine who will call you and who will not, who to look out for and what to do with your credit cards, retirement account and home equity loan.

Section 2: Rules to help you dig your way out! The rules in this section focus on getting out of denial about your current financial situation, being willing to talk about it, getting help, finding partners and behaviors that will help you look better (more credible for a loan modification) with a bank mortgage negotiator.

Section 3: Options, Solutions and Resolution. This section of rules assumes you are already dealing with the bank (and it is not going so well), and looks at some of your options including: loan modification, short sales, partnerships and investors, lease backs, even bankruptcy.

Based on David’s experience and Craig’s legal know how, this down-to-earth, easily read book provides practical knowledge and legal best practices coupled with the horror story David has lived through for over a year. This book emphasizes personal responsibility and also how to be prepared with specific strategies to deal with your bank. This book is about hope for the millions in this situation, and is written in a non-judgmental way to help you survive this financial crisis and keep your home!