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	<title>Monroe on a Budget &#187; Foreclosure</title>
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	<link>http://www.blogsmonroe.com/budget</link>
	<description>A frugal living blog for Monroe, Mich.</description>
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		<title>Freep: When homeowners walk away</title>
		<link>http://www.blogsmonroe.com/budget/2010/03/freep-when-homeowners-walk-away/</link>
		<comments>http://www.blogsmonroe.com/budget/2010/03/freep-when-homeowners-walk-away/#comments</comments>
		<pubDate>Sun, 07 Mar 2010 19:07:36 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Financial crisis / recession]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[In the News]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=13383</guid>
		<description><![CDATA[The Detroit Free Press has a Cover Story package starting today about underwater mortgages. There are lots of charts and articles that include average home sale prices, unemployment rates and foreclosure filings in Michigan.
The piece that should be a must-read for any Michigan resident considering such a move is Lenders crack down. A snippet:
Many states [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Financial counselor speaking on March 10</title>
		<link>http://www.blogsmonroe.com/budget/2010/02/financial-counselor-speaking-on-march-10/</link>
		<comments>http://www.blogsmonroe.com/budget/2010/02/financial-counselor-speaking-on-march-10/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 15:41:51 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Foreclosure]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=12979</guid>
		<description><![CDATA[This post is for my readers in Monroe County, Mich.
Bettina Pearch, financial counselor at GreenPath Debt Solutions, was  scheduled to speak about how to avoid foreclosure and deal with mortgage  modifications at noon Wednesday Feb. 10 at Summerfield-Petersburg  Branch Library, 60 E. Center St., Petersburg, Mich..
Because of the weather, her program has [...]]]></description>
		<wfw:commentRss>http://www.blogsmonroe.com/budget/2010/02/financial-counselor-speaking-on-march-10/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CNNMoney: Lose the house? You may still have to pay</title>
		<link>http://www.blogsmonroe.com/budget/2010/02/cnnmoney-lose-the-house-you-may-still-have-to-pay/</link>
		<comments>http://www.blogsmonroe.com/budget/2010/02/cnnmoney-lose-the-house-you-may-still-have-to-pay/#comments</comments>
		<pubDate>Sat, 06 Feb 2010 16:04:58 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Financial crisis / recession]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[In the News]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=12920</guid>
		<description><![CDATA[CNNMoney has this report: Mortgage lenders pursue homeowners even after foreclosure.
A snippet:
Former homeowners may still be on the hook if there&#8217;s a difference  between what they owed on their mortgage and what the bank could sell it  for at auction. And these &#8220;deficiency judgments&#8221; are ticking time bombs  that can explode years [...]]]></description>
		<wfw:commentRss>http://www.blogsmonroe.com/budget/2010/02/cnnmoney-lose-the-house-you-may-still-have-to-pay/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>More up-front paperwork for mortgage modifications</title>
		<link>http://www.blogsmonroe.com/budget/2010/02/more-up-front-paperwork-for-mortgage-modifications/</link>
		<comments>http://www.blogsmonroe.com/budget/2010/02/more-up-front-paperwork-for-mortgage-modifications/#comments</comments>
		<pubDate>Mon, 01 Feb 2010 11:19:05 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[In the News]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=12796</guid>
		<description><![CDATA[The Making Home Affordable mortgage modification program will be requiring more documentation up front for applicants, rather than letting them start the process as the papers are in process.
Some of the participating lenders already had such a policy, and that was proving to be more effective at getting people through the program. Here&#8217;s the program&#8217;s [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage help before you fall behind?</title>
		<link>http://www.blogsmonroe.com/budget/2010/01/mortgage-help-before-you-fall-behind/</link>
		<comments>http://www.blogsmonroe.com/budget/2010/01/mortgage-help-before-you-fall-behind/#comments</comments>
		<pubDate>Sat, 23 Jan 2010 22:07:59 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Foreclosure]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=12660</guid>
		<description><![CDATA[The Federal Housing Administration has announced new efforts to help struggling homeowners before they become delinquent on the mortgages.
The details: You have to prove a &#8220;significant reduction in income or some other hardship.&#8221;
Here&#8217;s the press release.
]]></description>
		<wfw:commentRss>http://www.blogsmonroe.com/budget/2010/01/mortgage-help-before-you-fall-behind/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fewer foreclosures in Monroe MI</title>
		<link>http://www.blogsmonroe.com/budget/2010/01/fewer-foreclosures-in-monroe-mi/</link>
		<comments>http://www.blogsmonroe.com/budget/2010/01/fewer-foreclosures-in-monroe-mi/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 18:32:43 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Financial crisis / recession]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[In the News]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=12645</guid>
		<description><![CDATA[There are some signs the worst of the mortgage meltdown has passed in the Monroe, Mich., area &#8212; even if recovery will be slow.
The Monroe Evening News had this report Thursday: Fewer foreclosures &#8211; property defaults are down from a year ago.
A snippet:

Sheriff&#8217;s deeds resulting from the sale of foreclosed property at auction — part [...]]]></description>
		<wfw:commentRss>http://www.blogsmonroe.com/budget/2010/01/fewer-foreclosures-in-monroe-mi/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Freep: Ripple effects from modified home loan</title>
		<link>http://www.blogsmonroe.com/budget/2009/12/freep-ripple-effects-from-modified-home-loan/</link>
		<comments>http://www.blogsmonroe.com/budget/2009/12/freep-ripple-effects-from-modified-home-loan/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 13:46:30 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Financial Literacy]]></category>
		<category><![CDATA[Financial crisis / recession]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[In the News]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=12296</guid>
		<description><![CDATA[Susan Tompor at the Detroit Free Press is finding some unwanted side effects on home loan modifications.
]]></description>
		<wfw:commentRss>http://www.blogsmonroe.com/budget/2009/12/freep-ripple-effects-from-modified-home-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CNNMoney: Few getting long-term mortgage assistance</title>
		<link>http://www.blogsmonroe.com/budget/2009/11/cnnmoney-few-getting-long-term-mortgage-assistance/</link>
		<comments>http://www.blogsmonroe.com/budget/2009/11/cnnmoney-few-getting-long-term-mortgage-assistance/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 12:00:13 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Assistance programs]]></category>
		<category><![CDATA[Financial crisis / recession]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[In the News]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=11598</guid>
		<description><![CDATA[Do you remember all the buzz about mortgage relief when the new national programs got announced? The national financial journalists and some government officials are watching the statistics, and the reviews have not been good.
CNNMoney is adding to the discussion with its report Few getting long-term mortgage relief.
A snippet:
Under the president&#8217;s plan, delinquent borrowers are [...]]]></description>
		<wfw:commentRss>http://www.blogsmonroe.com/budget/2009/11/cnnmoney-few-getting-long-term-mortgage-assistance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Someone still lives HERE!</title>
		<link>http://www.blogsmonroe.com/budget/2009/11/someone-still-lives-here/</link>
		<comments>http://www.blogsmonroe.com/budget/2009/11/someone-still-lives-here/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 12:15:01 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[My 2 Cents]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=11436</guid>
		<description><![CDATA[My husband and I live in a middle-class neighborhood in the city of Monroe, Mich.
Families have always moved in and out of this part of the city for a variety of reasons. But during the past year, there has been a lot more moving out than moving in.
It&#8217;s a bit rattling for my husband and [...]]]></description>
		<wfw:commentRss>http://www.blogsmonroe.com/budget/2009/11/someone-still-lives-here/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>USA Today: More people walking away from mortgages</title>
		<link>http://www.blogsmonroe.com/budget/2009/11/usa-today-more-people-walking-away-from-mortgages/</link>
		<comments>http://www.blogsmonroe.com/budget/2009/11/usa-today-more-people-walking-away-from-mortgages/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 21:01:37 +0000</pubDate>
		<dc:creator>Paula Wethington</dc:creator>
				<category><![CDATA[Financial crisis / recession]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[In the News]]></category>

		<guid isPermaLink="false">http://www.blogsmonroe.com/budget/?p=11317</guid>
		<description><![CDATA[USA Today has this report today: More walk away from homes, mortgages.
A snippet:
&#8220;The most disturbing aspect of this is that it&#8217;s becoming acceptable to do,&#8221; says Joel Naroff, an economist with Naroff Economic Advisors. &#8220;What does that mean down the road for housing and the economy if people are happy to walk away and destroy [...]]]></description>
		<wfw:commentRss>http://www.blogsmonroe.com/budget/2009/11/usa-today-more-people-walking-away-from-mortgages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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