Should You Stop Paying Your Mortgage?

2013

Dear Real Estate Owner,

I'm Paul Stevenson, and I was in your shoes.  My property was worth A LOT less than what I owed on the mortgage, and the real estate market was crashing.  I didn't know how much longer I could keep making the payments.  Or whether I even should.  I wanted to stop throwing money into a black hole, just because the bank said I had to.  And even more than that...I wanted my life back.  Sound familiar?

I knew I had a major problem on my hands, and I could see it was only going to get worse.  I didn't know what to do or who to turn to.  I'd heard about people who decided to stop paying their mortgages, but I didn't know what was really involved.  I spent months searching for information on the Internet, but it was all in bits and pieces, and there was no source to tell me the things I REALLY wanted to know.  So I got to work, scouring every resource I could - books, legal documents, internet sites, discussions with experts... It was an arduous process with a lot of uncertainty, but eventually I worked my way through it and found a solution that was right for me. It doesn't have to be that difficult for you.

When I got to the end of the process and disposed of my property with my assets and sanity intact, I felt like a two-ton weight had been lifted from my shoulders.  I had my life back!   It felt so good, I wanted to help everyone in my situation find a way out.  So I created the Strategic Mortgage Default System to lay out what you need to know in plain language and answer all the questions you are asking – as well as some you probably don’t even realize you need to be asking.

Explore the site and sign up for my free newsletter below.  I hope that the Strategic Mortgage Default System can be of service to you and your family.

Sincerely,

Paul Stevenson

Paul Stevenson

 

The Current Real Estate Market

The Current Real Estate Market The real estate market may have put you in the most difficult situation you’ve ever faced, with questions like these swirling around in your head:

bullet
Will I lose my property and end up on the street?
bullet
What if it's a rental property?
bullet
What's my liability?
bullet
Will the bank sue me?
bullet
Will I have the debt to the bank hanging over me for the rest of my life?
bullet
Do I need a lawyer?
bullet
What is "strategic default?"
bullet
What is a recourse state vs. a non-recourse state?
bullet
Do I live in a recourse state or a non-recourse state?
bullet
Can I do a short sale?
bullet
Will the bank foreclose on me?
bullet
Is it true I can just mail the keys back to the bank and walk away?
bullet
What is a deed-in-lieu of foreclosure?
bullet
Will I end up with a huge tax bill?
bullet
How will this affect my credit score?
bullet
Will I ever be able to buy another house?
bullet
Don't I have a moral obligation to keep paying, especially if I'm not broke...yet?


You're not alone in this sea of uncertainty, feeling like you have the weight of the world on your shoulders. Millions of Americans are suffering the same fate. The Strategic Mortgage Default System is here to help you answer these questions and determine what is right for YOUR situation.


The Strategic Mortgage Default System is Here to Help

The Strategic Mortgage Default System is the only comprehensive system to highlight all the issues you need to consider in order to decide whether to stop paying your mortgage. Just like you, there are so many homeowners and investors under tremendous financial and emotional pressure due to the crash in the economy and the real estate market. You need to know what will happen if you walk away from your property.

The Strategic Mortgage Default System is the only source that explains all the major issues and helps you decide what's best for you. We help remove the fear, uncertainty, and hearsay from one of the greatest challenges many people have ever faced in their lives.

Stop worrying and start taking action. That action starts with the Strategic Mortgage Default System.

You will learn the Top 10 Secrets to Resolving an Underwater Mortgage:

1. The 4 possible results if you stop paying your mortgage

2. How to determine your liability if you stop paying

3. How to utilize an attorney to assist in the process - and how you can afford it

4. How the state you live in affects the process

5. What a short sale is and how to handle one

6. What the real story is with people you've heard about who "mailed the keys to the bank and walked away"

7. How the 2007 Mortgage Forgiveness Debt Relief Act can rescue you

8. The tax implications of the solution you choose to employ

9. How the process differs when you live in the home vs. owning it for rental

10. How your credit rating will be affected 

    ....and much, much more!

 

"But Don't I Have a Moral Obligation to Keep Paying?"

There is no single answer to this question, but it's safe to say that in most cases, the answer is "No, you don't have a moral obligation, and it's okay to walk away." You entered into an arms-length transaction with your lender in which both of you had competing interests and thus spelled out your obligations in a clear, signed contract. Unless the contract states that you have a "moral obligation to pay," then it's plain and simple - you don't.

When you borrowed the money to buy the property, you entered into a business transaction. The lender evaluated the risks and concluded that it was a risk worth taking. For its protection, the lender also required you to pledge the house as collateral, as well as any equity you had in the house. The contract spelled out that if you don't pay, the lender has the right to take the property and sell it before you get any of your equity back - if there were any equity left, which of course there isn't if you're underwater. The lender would not have loaned you the money if it had not concluded that doing so was a smart business decision. Your decision to enter into the transaction was also a business decision.

You decided to borrow the money and put at risk the property, your equity, and your credit rating. It's obvious now, in retrospect, that both you and the lender made a bad decision. At this point the contract spells out what happens if you stop paying: the lender gets the property. If the lender intended for you to have a "moral obligation to pay," it would have specified that in the contract.

The lack of a moral obligation to pay your mortgage does not necessarily mean that it's smart to walk away. That depends on a number of factors, including the state in which you live as well as many other aspects of your personal and financial situation.
The Strategic Mortgage Default System was specifically developed to help you make this difficult decision.

 

Are You Ready to Stop Paying Your Mortgage??

If you've read this far, it's safe to say that your mortgage is probably underwater.  Don't let news reports talking about the "economic recovery" fool you - the real estate market isn't coming back anytime soon.  It will most likely be years before it even starts to recover.  You may be at the point where you simply can't pay your mortgage any longer due to job loss, depleted savings, etc.  Or you may still be able to pay your mortgage but realize that it no longer makes financial sense to keep throwing your money away; every dollar you put toward this losing proposition is money that you need to secure your family's future.

But let's be honest: there's more to it than just money.  You want your life back.  You want to stop spending your days thinking about your mortgage and living with the constant stress of worrying what's going to happen to you.  You may have gotten used to having this unending pressure in your life, but you probably should stop and take a moment to think about what it's costing you.  For many people, it's literally the difference between happiness and depression; a smile and a frown; health and disease; hope and despair.

Hasn't this issue ruled your life long enough?  Isn't it about time you take action to protect yourself?  Then you need the Strategic Mortgage Default System.

 

Strategic Mortgage Default System

This dynamic system will teach you what you need to know in order to make an informed choice about how to handle your underwater mortgage…and get your life back!

Strategic Mortgage Default System Cover

Stategic Default Summary

Strategic Mortgage Default System

Everything You Need to Know
BEFORE You stop Paying Your Mortgage


Paul Stevenson’s Strategic Mortgage Default System helps you decide if defaulting on your underwater mortgage is the right move for your financial future. And Paul walks you through the process to follow if you DO decide to default. Paul Stevenson has done the work for you of sorting through the mess of confusing, and often conflicting information that can overwhelm you. With your financial destiny on the line, you can’t afford to wonder whether you are getting the right information.

When you Purchase the System, Paul Stevenson Will Show You:

bullet
The Risk to Your Other Assets if You Default on Your Mortgage
bullet
The Solutions to Your Problem – Including Short Sale, Deed in Lieu, and Foreclosure
bullet
What Happens if You Stop Paying
bullet
The Importance of Knowing Whether You Live in a Recourse State or a Non-Recourse State
bullet
Why You Don’t Have a “Moral Obligation” to Keep Paying Your Underwater Mortgage
bullet
The Tax Implications of Defaulting on Your Mortgage
bullet
The Impact of Strategic Default on Your Credit Score


You also get these four FREE bonus items:

bullet
FREE Bonus #1: Strategic Mortgage Default Checklist
bullet
FREE Bonus #2: One Year Subscription to Updates to the Strategic Mortgage Default System
bullet
FREE Bonus #3: Sample Hardship Letters for Short Sale and Deed in Lieu of Foreclosure
bullet
FREE Bonus #4: Strategic Default Attorney Selection Guide


As a Strategic Mortgage Default System owner, you will have Paul Stevenson as your partner in securing your financial future – and getting your life back on track! Start Using the Strategic Mortgage Default System in Just Minutes After Completing the Secure Checkout and get our 60 Day, 100% Satisfaction Guarantee – Find the Answers You Need or Get Your Money Back, No Questions Asked

You get the entire Strategic Mortgage Default System and four bonus items, a $160.00 value, for just $19.95!

checkout

Stategic Default Summary

 

The Strategic Mortgage Default System is normally priced at $79.95. In an effort to make this critical information accessible to more troubled property owners, we are offering the entire System at a temporarily discounted price of $19.95. Consider that - the value of this decision is the value of your house and possibly your entire financial future, which is in the hundreds of thousands, or even millions of dollars! And even a one hour consultation with an attorney could cost you $500. Throw in another hour with an accountant, and you're up to $750. For this amount you might be able to gain a clear understanding of your options and figure out what you need to know. If you purchase the Strategic Mortgage Default System, you may be able to avoid these consultations, and when you do speak to an attorney and an accountant, rather than going in blind, you will be able to tell them what the best route is, and they will only require a few minutes to confirm what you already know. Talk about value!

 

Strategic Mortage Default System Free Bonus

In addition to the Master Manual, your order also includes these Free Bonus sections:

FREE Bonus #1: Strategic Mortgage Default Checklist

This exclusive tool from Paul Stevenson gives you a visual picture of the entire Strategic Mortgage Default System. You see all the issues at a glance, and as you answer the questions presented, you can go step by step from start to finish to arrive at the best decision for your individual situation. The checklist provides a unique visual map, allowing you to understand the strategic default process at-a-glance, thus saving you time if you want a fast idea of what the best solution is for YOUR problem mortgage. This cutting edge tool is valuable for beginners and experts alike. ($29.95 Value)


FREE Bonus #2: One Year Subscription to Updates to the Strategic Mortgage Default System

A Free One Year Subscription to Updates to the Strategic Mortgage Default System. The landscape of the mortgage crisis is evolving quickly. Your mortgage is always being affected by the latest trends in government programs, bank policies, housing prices…you name it. Paul Stevenson is constantly monitoring these changes to be sure that his knowledge incorporates the most recent twists and turns in the market. In order to ensure that the Strategic Mortgage Default System stays right on the cutting edge of the mortgage crisis, Paul Stevenson periodically updates all of his products, and he wants to be sure YOU have the most up-to-the-minute knowledge available. With your purchase, you will receive a free one year subscription to automatically receive the latest updates to the Strategic Mortgage Default System. ($19.95 Value)

FREE Bonus #3: Sample Hardship Letters for Short Sale and Deed in Lieu of Foreclosure

Sample Hardship Letters for Short Sale and Deed in Lieu of Foreclosure. A good hardship letter is a critical step in getting cooperation from the bank in your quest for a solution to your problem mortgage. Paul Stevenson's sample letters provide you an easy model to follow in constructing your own hardship letters to the bank. You will see how to format the letter and clearly explain your situation and reasons for not being able to continue paying your mortgage. With these templates, we take away the fear that you’re not doing it right! ($14.95 Value)

FREE Bonus #4: Strategic Default Attorney Selection Guide

Included are the 16 questions you MUST ask your attorney before agreeing to engage his legal services. Learn the best way to choose an attorney who understands your needs and can help protect your interests throughout the entire strategic default process. Paul Stevenson shows you how to get the most complete legal coverage at the best price - and most of all, to find an attorney you're comfortable with. ($14.95 Value)

Strategic Mortage Default System Free Bonus
   
 



We're so confident that you will be completely satisfied with the product, we're going to take all the risk by giving you a 100% Money Back Guarantee.

Download the Strategic Mortgage Default System, read it and use the information to analyze your situation. If you're not completely satisfied with the information you've received anytime within the next 60 days, we will give you a full refund - no strings attached!


top

Secure, Risk-Free Order Form:

Yes, Paul! I'm ready to receive my copy of the Strategic Mortgage Default System for just
$19.95 today!

I understand my satisfaction is 100% guaranteed. My purchase of the Strategic Mortgage Default System is covered by Strategic Mortgage Default's Iron-Clad 60-Day Unconditional, No Questions Asked, Money-Back Guarantee.

I understand you will digitally deliver to me the Strategic Mortgage Default System to read, review, and put into practice. The full System includes the four free bonus sections:

FREE Bonus #1: Strategic Mortgage Default Checklist

FREE Bonus #2: One Year Subscription to Updates to the Strategic Mortgage Default System

FREE Bonus #3: Sample Hardship Letters for Short Sale and Deed in Lieu of Foreclosure

FREE Bonus #4: Strategic Default Attorney Selection Guide

I get the entire Strategic Mortgage Default System and four bonus items, a $160.00 value, for just $19.95!

Here's How To Order:

1. Click the "Buy Now" button and complete the secure order form...
2. You'll immediate receive an email and link to the secure download page...
3. Download the product and start getting your life back TODAY!

checkout

checkout


I know you are facing a difficult time, and it's probably impossible to imagine that anyone could understand what you're going through.  It can be lonely and isolating.  But you're not alone.  You have friends and family who care about you.  Your value as a person is not based on the value of your real estate, or how much money you owe to a bank.  You are worth more as an individual than your bank will ever understand.

I created the Strategic Mortgage Default System because I understand.  I have been there, and I want to do everything I can to help you get back on track and moving forward again.  Life is too short, and there are so many things more important than an underwater mortgage.  I want to help you take action today.

I appreciate your trust, and I will do everything I can to help you get your life back.  I did it for myself, and I know you can do it too.

With my warmest regards,
Paul Stevenson
Paul Stevenson