I Almost Lost My Home — And Then Something Unexpected Happened

By the time I opened the third foreclosure notice, I stopped pretending everything was fine.

My kitchen counter was covered in unopened envelopes—past due bills, mortgage warnings, legal threats I didn’t understand. I had been dodging calls for weeks. The fear wasn’t just about the house. It was about my kids, my pride, and the idea that maybe I had finally failed for good.

That’s what it feels like, doesn’t it? Like you’re free-falling and nobody’s coming.

But then something unexpected happened—and it changed everything.

The Myth of “Irresponsible Homeowners”

Let me be clear: I wasn’t reckless. Like millions of others, I was hit by a perfect storm.

In 2020, I was a single mother working full time at a dental clinic in the suburbs of Chicago. I wasn’t rich, but I was stable. My kids had their own rooms. We had Sunday dinner and backyard cookouts. I even started an emergency fund—$3,000 saved in six months.

Then COVID happened. The clinic shut down. My ex stopped sending support. My son’s asthma kept me home longer than most. Three missed mortgage payments later, I was technically “in default.”

You know what they don’t tell you? Foreclosure isn’t instant. It’s a slow, excruciating erosion. And unless you know what to do, it gets worse by the day.

The Turning Point

One night, after the kids were asleep, I sat on the floor and Googled “foreclosure help Illinois.” Most of what came up looked... predatory. Flashy websites with fake countdown clocks. Ads for miracle bailouts. “Sign your house over now!” they screamed.

Then I found a quiet listing—just a name and a phone number.

Foreclosure Rescue. David Litt. 26 years of experience. Community-first approach.

Something about it felt honest.

I called the number. A man picked up. No menu, no call center. Just a calm, steady voice:

“This is David. How can I help you?”

What Real Help Looks Like

He didn’t ask for money. He didn’t make promises. He asked how I was sleeping, how old my kids were, and what kind of notice I’d received.

Within 24 hours, I had a personalized action plan.

David walked me through writing a hardship letter. He helped me gather documents I didn’t know I needed: tax forms, pay stubs, a reinstatement request. He even connected me to a housing counselor who reviewed everything line-by-line.

In 10 days, I had a temporary forbearance.

In 3 weeks, I had a negotiated repayment plan.

In 6 weeks, I was sleeping again.

What I Wish Everyone Knew

Foreclosure isn’t about laziness. It’s not even always about money. Sometimes it’s about timing, illness, divorce, bad luck. What makes it dangerous is the silence it creates—the isolation, the shame.

But shame doesn’t pay the mortgage. Information does. Community does. And having someone like David Litt in your corner makes the impossible feel manageable.

“It’s not just about saving a house,” he told me. “It’s about giving people their power back.”

A New Chapter

It’s been two years since that call. I’m current on my mortgage. I got a new job with benefits. And last month, I took my kids camping for the first time since all this started.

There’s still stress. Life’s never simple. But I know now that there are people who genuinely want to help—and I know what signs to trust.

If you’re in this situation, please don’t wait. The earlier you act, the more options you have.

Call David. Seriously.

📞 David Litt | Foreclosure Rescue

📍 Serving homeowners across the U.S.

📱 224-344-5700

🌐 www.4closurerescue.com

You don’t have to go down with your house. Sometimes, the scariest call is the one that saves you.