“We Thought Retirement Meant Rest, Not Risk”

If you had told us ten years ago that we’d one day fear losing our home, we wouldn’t have believed you.

We’d done everything right—or at least tried to. We worked hard, stayed married, lived within our means. The house wasn’t fancy, but it was paid down enough to give us some breathing room. We planned to spend our golden years there—gardening, watching the grandkids visit, sitting on the porch as the sun went down.

But no one talks about how retirement costs can creep up on you.

When Ed’s pension got cut unexpectedly, and our Medicare didn’t cover as much as we hoped, things started to tighten. First, we dipped into our savings for medical copays. Then for home repairs. And eventually, just to cover groceries and utilities. Suddenly, the cushion we’d built was gone.

We started putting small things on credit cards—at first telling ourselves we’d pay it off next month. But next month came and went. So did the next.

Eventually, we missed a mortgage payment.

Then two.

Then, out of nowhere, came the letter from the lender. Not a polite reminder—but a formal warning: foreclosure proceedings were beginning.

I remember holding that letter in my hand, my fingers trembling. Ed didn’t speak for the rest of the day. We’d worked our entire lives for this home. The thought of losing it—after all the birthdays, holidays, and quiet mornings we’d spent inside its walls—was too much to bear.

We didn’t know where to turn. Every website we visited either felt like a scam or a wall of legal terms we couldn’t understand. We didn’t need a fast house flipper. We didn’t want a handout. We wanted someone to explain, to help us make a plan, and to treat us with respect.

Then a neighbor—someone we barely knew but had seen at the grocery store for years—slipped a note into our mailbox. It was simple. It said:

“I heard what’s going on. We were in the same boat last year. Call David Litt—he helped us save our home when we thought it was over. 4Closure Rescue. 224-344-5700.”

We sat with that note for a few days. We’re not quick to trust. But something about the fact that it came from a neighbor—not a stranger—made it feel safe.

So we called.

David Litt answered the phone himself. His voice was calm and kind. He didn’t rush us. He didn’t sound like a salesman. He just said, “Start at the beginning.”

We told him everything. He never once made us feel ashamed or small. He listened. And then, slowly and clearly, he explained how the foreclosure process worked, what we could still do, and how we could possibly get back on track through a hardship application and mortgage modification.

Over the next few weeks, David and 4Closure Rescue helped us pull together the paperwork, speak directly with the lender, and advocate for our rights. We didn’t even know we had any.

It took time. But it worked.

The foreclosure was canceled. Our loan was adjusted. And we stayed.

We still live here. The same front porch. The same quiet mornings. Only now, there’s a little more gratitude in every breath we take.

If you’re an older couple like us—if you feel like the world is moving too fast and leaving you behind—please know this:

There are people who haven’t forgotten how to treat others with dignity.

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

He didn’t save us. He empowered us to save ourselves—with someone finally in our corner.