My Kids Never Knew We Were in Foreclosure

I kept it from them for as long as I could.

My boys were 8 and 11—just old enough to pick up on tension, but still young enough to believe in bedtime stories, hot chocolate, and the idea that their parents had everything under control.

The truth was, we were three months behind on the mortgage and living off credit cards. My husband had lost his job the previous winter, and my work hours had been slashed to part-time. Our savings disappeared faster than we ever expected. First the extras went—takeout, family trips, cable. Then we had to start choosing between the electric bill and the mortgage.

We chose the electric.

When the first foreclosure letter arrived, I tucked it into a drawer under the placemats. I didn’t open it until everyone was asleep. I read every line twice. My hands were shaking. I looked around our living room—the Legos scattered under the couch, the school calendar tacked to the fridge, the family photo wall—and thought, How did we get here?

I didn’t tell my husband right away. He was already feeling worthless after months of rejections. I couldn’t bear to add guilt to his plate.

Instead, I did what moms do: I stayed up late Googling things like how to stop foreclosure fast and can you lose your home with kids in school. Most of the links led to websites full of legal terms, generic forms, or faceless investors offering to “buy now, pay cash.”

It felt like everyone wanted something from us. No one actually wanted to help.

Then I found a Reddit thread where someone mentioned a group called 4Closure Rescue. The poster had said, “If you’re scared and serious about keeping your home, call David Litt. He’s the real deal.” They included a phone number: 224-344-5700.

I was skeptical. But desperate. I saved the number.

The next morning, I made the call while the kids were at school. David answered. Not a receptionist, not a call center—a person. His voice was calm, warm. I didn’t even know where to begin, so I said, “I’m behind on my mortgage. I have kids. I’m terrified.”

His response? “Okay. Let’s take it one step at a time.”

That phone call changed everything.

Over the next few weeks, David and the team at 4Closure Rescue helped us review our mortgage terms, calculate a hardship proposal, and file for a loan modification. They explained every form, helped us prepare our budget, and made sure our package was airtight before submitting it to the lender.

They also gave us guidance on how to communicate with the mortgage company so that we wouldn't get ignored—or worse, manipulated.

We were approved for a three-month trial modification, and after that, a permanent one. Our payment dropped by nearly $500 per month. That difference gave us breathing room. It gave us a future.

Through it all, the boys never knew. We kept our routines. We read bedtime stories. We celebrated birthdays and science fair projects and soccer games.

And one day, when they’re older and understand the weight of what we went through, I’ll tell them how close we came to losing it all. And how we didn’t—because of one phone call.

If you’re a parent quietly panicking, holding it all together by a thread, I need you to know this: you don’t have to do it alone.

There are good people out there—people who listen, who care, and who help.

📞 Call David Litt at 4Closure Rescue: 224-344-5700.

Even if you’re scared. Especially if you’re scared.

Because sometimes strength looks like asking for help behind closed doors—while your children sleep peacefully down the hall.