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Abstract

Should You Stop Paying Your Mortgage?

2011

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 [DEL:
$79.95 :DEL] . 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

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