I Was Weeks Away from Foreclosure — Then I Took Back Control

The Quiet Descent

The first time I realized I might lose my home, I didn’t cry.

I didn’t scream or punch a wall. I sat quietly on the edge of my bed and stared at a line on my bank statement that said “$84.17.” That was all I had left after paying utilities, groceries, and gas to get to work.

No cushion. No savings. Just a mountain of unpaid mortgage bills, each one stamped with bigger red letters than the last.

I used to believe foreclosure was something that happened to other people—people who were irresponsible or made poor choices.

But life doesn’t check your credit score before it hits you.

How It All Fell Apart

My slide into foreclosure started with a car accident. I broke my leg, missed six weeks of work, and fell behind on everything. The missed payments stacked like dominoes.

By the time I was healed enough to get back to work, my mortgage company had already filed a Notice of Default.

I was terrified. I didn’t know what I didn’t know. And every time I searched for help, I ran into walls—dead links, scammy websites, or advice that didn’t apply to my state.

That kind of stress doesn’t just sit in your inbox. It follows you into the shower, the grocery store, and even into your dreams.

The Moment I Stopped Pretending

I was about to give up. I had even started packing boxes. And then I heard a podcast episode about foreclosure assistance programs. They mentioned Foreclosure Rescue and a man named David Litt, who had helped thousands of people find real solutions without judgment.

I called. I didn’t expect much.

But instead of a robotic voicemail or someone trying to buy my house, a calm, clear voice answered:

“This is David. Tell me what’s going on.”

No judgment. No sales pitch. Just questions—and real answers.

The Plan That Changed Everything

David walked me through my options:

✔ How to request a reinstatement quote

✔ Whether I qualified for a hardship-based loan modification

✔ What to include in a hardship letter

✔ How to document my finances in a way lenders would respect

He also told me about a state emergency housing fund I had no idea existed. That grant covered two months of my arrears—and his team helped me fill out the application.

Within three weeks, I had a pause on foreclosure proceedings and a trial repayment plan I could actually afford.

Here is what I learned

Asking for help isn’t weakness—it’s strategy.

Foreclosure doesn’t make you a failure.

People like David Litt and his team aren’t unicorns. They’re real. They exist. You just have to know where to look.

Where I Am Now

I’m writing this from the same living room I thought I’d lose. My kids still sleep in their own rooms. I still get to shovel the same sidewalk (and weirdly, I’m grateful for that chore now).

I came back from the edge. And if I did, someone else can too.

One Final Call to Action

If you’re staring at unopened envelopes or wondering if this is the month it all falls apart—don’t freeze. Don’t assume it’s too late.

Even if it feels like everything is slipping away, foreclosure doesn’t define your future. What matters is what you do next. With the right help, one decision can shift everything. The path back may not be easy, but it is possible—and you're stronger than the paperwork suggests.

📞 Call David Litt at 224-344-5700

🌐 Visit: www.4closurerescue.com

You’re not alone. You’re not powerless. And this doesn’t have to be the end of your story.