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In these tough economic times, more Americans than ever are finding it difficult to pay the home loan notes they signed several years ago, or even more recently.  The housing seller’s market a few years back gave buyers an ever-increasing confidence in buying real estate as an investment.  They watched the price of houses skyrocket and felt that their home’s value would never fall and would only increase.  Now, many of those same people are looking for advice about how to avoid home foreclosure.

In addition to the rather exorbitant prices many homeowners paid for their houses during the real estate boom that the nation underwent about five years ago or so, the “market value” of their homes was pretty exorbitant also.  Many of those homeowners decided to cash in on the value of their homes by taking out second mortgages or lines of equity based on the high values associated with real estate at the time.  Now, many of those same people are looking for advice about how