The Honest Foreclosure Guide · by Chris Curry · Licensed Broker CO & FL · Real homeowner · Verified public record · ★★★★★ on Google
They Laughed When I Said I Could Beat Foreclosure — Then the Bank Forgave the Mortgage.
Nobody told me when I was losing my home that there are 17 legal ways to stop a foreclosure. Most homeowners have NO idea. It's time to give the power back to the people — and truly help families keep their homes.
And my help will NEVER cost you a penny upfront. That's my promise to you: I'm here to help — the way I was looking for help back in 2014.
This guide is for you if any of these is true tonight:
- You're behind on your mortgage but not yet in foreclosure.
- A Notice of Election and Demand — or any letter with the word foreclosure in it — just showed up at your door.
- Your sale date is already on the calendar.
- The bank denied your modification and set the auction anyway.
If that's you, keep reading. Every option on this page is real, legal, and used by homeowners every week. And I know how it feels to be where you're sitting — here's how one homeowner described arriving on this page:
"I came in overwhelmed and stressed, not knowing what my options were — and he changed that completely. He took the time to answer every question I had, helped me understand that I actually had choices, and made me feel like I could breathe again for the first time in a long time."
— Shawn Early · Google review
Every review on this page is a real, public Google review — real names, unedited. Look them up.
My goal is that you breathe like that tonight. So let me tell you a story about a hammer — because it explains everything about why you're stuck, and everything about how I work.
The $10,000 tap.
A factory's million-dollar machine breaks down. The whole plant goes silent. Their own engineers crawl over it for days. Nothing.
So they call in an old expert. He walks around the machine for a few minutes. Listens. Runs his hand along it. Then he reaches into his bag, pulls out a small hammer, and taps one spot.
The machine roars back to life.
A few days later, the invoice arrives: $10,000. The owners are furious. Ten grand for a one-minute tap? They demand an itemized bill. The old man sends it back:
Right now, the bank's foreclosure machine is grinding toward your sale date. And there are 17 different places to tap it — 17 real, legal ways homeowners stop that machine. Federal filings. State forms. Letters with deadlines attached. Programs written into your loan's fine print the day you signed.
The tap is cheap. Most of these cost a stamp, a form, or a phone call. Knowing which of the 17 to use — for your loan, your state, your equity, your timeline — that's the $9,998. The bank knows all 17. Their attorneys know all 17. The average homeowner knows two, and usually finds out about the rest after the auction.
"Experience, knowledge, character and empathy!! Thanks Chris!! Ask for the secret passage!!"
— Guillermo Cuevas Martinez · Google review (The "secret passage" is real. It's on this page — way #2.)
"Okay Chris — the old man charged $9,998
for knowing where to tap. What do YOU charge?"
Nothing.
Not $9,998. Not $2. Not a "small processing fee." Not a dime, not now, not later, not hidden in page nine of a contract.
And I want you to understand why, because the why is what protects you from everyone else circling your house right now:
Federal law — the MARS Rule (12 CFR Part 1015) — makes it illegal for anyone to charge you upfront for foreclosure help. The government has gone after more than 600 companies that did it anyway.
So burn this into your memory before you talk to anyone — including me: anybody who asks you for money upfront to stop a foreclosure is breaking federal law. The "consultant" who wants $3,000 to get started. The "rescue company" that wants $650 a month. Hang up. And if I ever ask you for a penny upfront, hang up on me too.
The knowing-where-to-tap? I give it away. The 15-minute review is free. The action plan is free. If your best door needs a complete, lender-specific package built — the kind a lawyer once quoted me $15,000 for — I build it free.
Don't take my word for the "free" part either. Take theirs:
"He listens & tells you straightforward about how to handle it & the #1 bonus is, he doesn't charge you for his opinion & expertise in this field. I HIGHLY RECOMMEND using Chris for your mortgage problems."
— Wendy Herrod · Google review
"Not only does he donate his time to help homeowners gain knowledge and understand their options... Chris is not out to make money off of people. He's not a fraud either. He shoots straight, lays it out and presents options."
— Robert Schonebaun · Google review
You'll see me repeat the never-a-penny promise all the way through this guide. That's on purpose. In this business, the man who says "free" has to prove it more than the man who says "$5,000" — so I'm going to keep proving it.
How I learned where to tap:
I beat this machine myself.
Chris Curry · Licensed broker, CO & FLIn 2014, I lost my home. Nobody told me there were rules — nobody told me there were 17 places to tap. I packed up the house I'd raised my kids in and threw out the rabbit cage I'd built for my girls. I swore I'd never be that helpless in front of a bank again.
So I learned the rules. All of them. And that same year, on a rental home I owned that was also in foreclosure, I used one of the 17 — one piece of paper, filed the right way, on time. A lawyer wanted $15,000 to do it. Two "consultants" wanted $3,000 up front. Everybody laughed when I said I'd do it myself.
Then SunTrust forgave the entire mortgage. One hundred percent. Free and clear.
The paper cost me two dollars to send. Knowing it was the right one of seventeen — that was everything. I put the result in the public record on purpose, so you'd never have to take my word for it:
Public Record · Verify before you trust me
Satisfaction of Mortgage · SunTrust Bank · 2104 SW 14th Street, Gainesville, FL (a rental I owned) · Recorded December 8, 2014 · Alachua County Clerk · Book 4214, Page 1882, Instrument #3047192
Eight minutes on a government website and you can confirm every word. I'd rather you did.
My result is not typical, and I can't promise you the same outcome. I'm showing you this so you know one thing for certain: a homeowner who taps the right spot has a chance at winning.
"Nobody works free, Chris.
How do you actually make a living?"
Fair — and the answer is the honest math.
Most homeowners stop the foreclosure and KEEP the home — because I help them with a custom action plan built for their exact situation: which of the 17 taps works best for them. They keep the house. I make nothing — and I'm fine with that.
A small portion of families decide to sell — to downsize, or for reasons of their own. All I ask is the chance to apply for the job of helping you sell the home as a Realtor. And I get paid like any normal Realtor: at closing, out of the closing — never an upfront fee of any sort.
NOT me. Remember, I've been in your shoes. My goal is to help you figure out every option to KEEP your home — everyone else circling you wants to buy it cheap or charge you thousands for nothing.
Sound too good to be true? Here's a homeowner who came to me ready to sell — the outcome that pays me — and what I told her instead:
"I honestly thought selling was my only way out. He spent a ton of time actually listening and asking the right questions instead of just trying to get me to sign something. By the end of our conversation he walked me through options I didn't even know I had — and the wild part is he helped me figure out I was better off keeping my home. He literally talked me OUT of selling because it was the right thing for me. Who does that? No pressure, no sales pitch, just straight honest advice."
— Heather Currie · Google review
Who does that? The guy whose whole business runs on one sentence:
"You can have everything in life you want, if you will just help enough other people get what they want."
— Zig Ziglar
Not a penny upfront from you — ever — and a normal Realtor's commission from the closing table only if selling turns out to be your best door and only if you hire me for it. Now, here are all 17, exactly as promised.
The 17 ways to stop a foreclosure.
Three buckets: stop the clock · keep the house · leave with your equity.
Each one names WHAT exists — not the exact form, program name, or deadline mechanics. That's on purpose: which lever fits your house depends on your loan, your state, and your dates, and pulling the wrong one burns time you don't have. The free review is where we match you.
Bucket 1 · Ways 1–5
The Emergency Brakes
When the sale date is close and you need the clock to stop.
Chapter 13 Bankruptcy
The federal filing that freezes a sale the moment it hits the clerk's desk — even one set for tomorrow morning — then gives you 3 to 5 years to catch up. Attorney territory, and I'll tell you straight if it's your best door.
The Dual-Tracking Stop · the one I used in 2014 · the "secret passage"
The little-known federal rule that can force your mortgage company to hit pause on the auction — and why most homeowners send their paperwork three days too late. One trap word decides everything: "complete." This is the 1 piece of paper.
The Sale Postponement Request
The one-page letter that can push your sale date back — no lawyer, no judge, no filing fee. Servicers say yes more often than you'd think. Most people never send it because nobody told them they're allowed to ask.
The RESPA Notice of Error
What to send when the mortgage company "loses" your application for the third time — the federal letter they must answer, in writing, on a deadline, with penalties for ignoring you.
Military Protection (SCRA)
If you've worn the uniform — active duty or recently — the foreclosure rules change in your favor, and most servicers won't check unless you make them. One yes/no question on the review.
Sale date close? These five are exactly why you shouldn't wait for the weekend.
Chris, Stop My Foreclosure →Free 15-minute review · never a penny upfront · next screen is the calendarBucket 2 · Ways 6–14
Keep the House
Fix the missed payments instead of fleeing them. This is the bucket I'm rooting for.
Reinstatement — the Right to Cure · state-specific
In Colorado, the right form filed on time can erase the entire foreclosure as late as the day before the sale — one lump sum of the missed payments, not the whole loan, and the default is wiped like it never happened. Miss the form deadline, lose the right. Your state has its own version — that's why we ask your state first.
Loan Modification
How homeowners get the bank to take every missed payment, roll it back into the loan, and start fresh — without borrowing a dime from anybody. The workhorse. And exactly what I coach you to do with your own hands on your own file — free — instead of paying a "rescue" company thousands.
Repayment Plan
Can't write one big check? Pay the missed payments back a little each month while the foreclosure machinery shuts off. Best fit for a short stumble, not a long fall — the review tells you which one you had.
Forbearance
Lost your job or landed in the hospital? There's a pause button on your mortgage — and the servicer won't press it unless you ask. The ambush is what happens when the pause ends. We plan for that before you sign.
The FHA Partial Claim · FHA loans only
The zero-interest government loan that quietly absorbs your missed FHA payments — and doesn't ask for a penny back until you sell or pay off the house. If your loan is FHA, this may be the single best option on this page. You'd never know without checking. Question one on the review.
VA, USDA, Fannie & Freddie Workouts
The rescue program your loan already qualifies for — written into the fine print the day you signed. Who backs your loan decides which doors are open. Most homeowners have no idea who backs theirs. Takes my team about two minutes to find out.
The Rule 120 Response · state-specific
In Colorado, the lender has to ask a judge for permission to sell your house — and you're allowed to answer. The bank expects an empty chair at that hearing. Filing a response makes them prove up their case, can surface servicer errors, and buys real time. Costs a form and a trip to the clerk.
Your Own Lawsuit — the Injunction
When the servicer broke the rules — dual-tracking, lost payments, broken promises — you can file your own case and ask a judge to put the whole sale on ice. Heavy artillery; needs real grounds and usually a lawyer. I'll tell you honestly whether your facts clear that bar before you spend a dollar.
The Bailout Refinance (Hard Money)
The 7-day loan that stops a foreclosure using your equity instead of your credit score — and the fine-print traps to read twice. Rates often run 8–15% plus heavy fees. A bridge, not a home. I'll tell you if you're about to overpay for it.
Nine ways to keep the house — and which one fits depends on who backs your loan. My team finds that in about two minutes.
Chris, Stop My Foreclosure →Free 15-minute review · never a penny upfront · next screen is the calendarBucket 3 · Ways 15–17
Leave With Your Equity
If keeping the house isn't the right move, don't let the auction take your money too.
Sell Before the Sale
Letting the auctioneer sell your house is the most expensive way to lose it. Sell it first and the equity goes in your pocket, not the bank's — the foreclosure stops at closing. (And yes — this is where I stop being your coach and can apply for the job of listing agent, as a licensed Realtor. Your enemy is my enemy either way.)
Short Sale
Upside down on the mortgage? How to get the bank to take less than you owe — and walk away without a foreclosure stamped on your record. In many programs the shortfall is waived, meaning they can't chase you for it. Fannie, Freddie, FHA, and VA each run their own version, and the differences matter.
Deed in Lieu of Foreclosure
The handshake deal that ends the foreclosure without an auction — and sometimes comes with moving money ("cash for keys") and a written release. When there's no equity to protect, a negotiated exit beats a forced one. Dignity is an option too.
Seventeen options. One right answer.
Fifteen minutes to find it.
You just read more foreclosure options than most homeowners ever hear about — and more than your servicer will ever volunteer. But a menu isn't a meal.
Which of the 17 fits your house depends on four things: who backs your loan · how much equity you have · how far away your sale date is · what your income looks like today. Get those four right and the door opens. Guess wrong and you burn the one thing you can't get back — weeks off your clock.
That's the free 15-minute review. Here's everything you walk away with — total cost, zero:
Your loan decoded — who actually backs it (FHA? VA? Fannie?), which of the 17 doors that opens, and which are already closed.
Your state's clock, counted — your real deadlines, from your county's records, not from a scary phone call.
Your best door, named — first choice and backup, matched to your equity, income, and dates.
Your custom action plan — the exact next steps, in order, yours to keep even if you never talk to us again.
If your door is #2 or #7 — we build the complete, lender-specific package with you. A lawyer quoted me $15,000 for the knowing-where. You pay: nothing.
My Triple Guarantee.
You will never write me a check. Federal law and my own conscience both forbid it.
Fire me ten minutes in and every document we built is yours, free, to keep or hand to anyone else.
I'm applying for a job; you're the boss. Hire me, ignore me, or thank me and hang up.
Proof. Real cases, real families,
real Google reviews.
My own file. Way #2. Mortgage forgiven in full — public record above.
7 days before auction. Sale stopped. Walked with $45,000.
Husband died of cancer. Bank approved the modification (way #7). She kept the home.
"I contacted Chris to see my options with my current situation. He shared so much knowledge and you could just hear his passion... I was blown away and shocked at his client stories. Definitely call Chris if you're in the market to buy, sell, or facing foreclosure."
— Donald Murphy · Google review
"He picked up the phone early and took the time to answer every single one of my questions without rushing me... it never felt like a sales pitch, just someone who wanted to make sure I understood my options. As foreclosure, you don't wanna share with everybody — but he was sensitive to the whole matter."
— Llewellyn Wheeler · Google review
"Chris, so glad I talked to you — you are NOT a predator." — Irvin, 59 · 12 months behind when he called
Case outcomes vary by situation and are shared with permission — not a promise of your result. Reviews are public Google reviews, quoted with the reviewers' real names.
Yes. Every one of the 17 is real and public. If you have no sale date, you're a payment or two behind, and you're organized — start researching your loan's backer tonight. You may never need me. That's a win in my book, and it's how it goes for most families.
Call if: a sale date is set · you've been denied before · you don't know who backs your loan · or you know you won't figure out which of 17 doors is yours before the clock runs out. That's not weakness — that's knowing where to tap.
100% free · Never a penny upfront · No obligation
Find your one right answer out of 17.
One free 15-minute review. Zero cost. Zero pressure.
My team and I look at your exact situation — your state, your sale date, who backs your loan, your real numbers — and you leave with your custom action plan to stop your foreclosure: which of the 17 taps fits your house, first choice and backup, and a real chance at keeping your home. The plan is yours to keep either way.
What happens when you fill out this form? Here's a man who found out:
"Chris Curry was amazing — he called me literally a few minutes after I filled out the form online. Chris is very knowledgeable, caring and motivating... most importantly he is not a scammer."
— Boris Hughes · Google review
The only clock that matters is your county's. If you don't know your sale date, that's the first thing we find — and the sooner you call, the more of the 17 doors are still open.
Loading form…
Sale date less than 14 days away? Skip the form — call or text (720) 821-0667 now. Emergency slots are held for exactly this.
One last honest note.
The factory owners weren't mad about the $10,000. They were mad they didn't know where to tap — and had to find out the hard way, with the machine down and the losses piling up.
Your machine is down right now. The losses are piling up in missed sleep and unopened envelopes. The knowing-where-to-tap is sitting on the other end of a free phone call — and unlike the old man with the hammer, I'm not going to send you an invoice. I'm legally and personally forbidden to.
Rooting for you,
Chris Curry
Licensed Broker · CO #100080117 · FL #0668981 · (720) 821-0667
Why I do this. Because in 2014 nobody picked up the phone for me, and I lost the house. Nobody told me there were 17 ways. I've been exactly where you're sitting. So now I pick up — "literally a few minutes after I filled out the form online," as Boris put it.
The honest math, one last time. Remember: most families I work with stop the foreclosure, keep the home, and never pay me a cent. Remember Heather: she came ready to sell, and I talked her out of it because keeping the house was right for her. If selling ever IS your best door, all I ask is the chance to apply for the job — paid like any normal Realtor, at closing. Help enough people get what they want, and the rest takes care of itself.
Still skeptical? Good. If part of you is thinking this has to be a scam — good. Use that instinct on me: CO License #100080117 (Colorado Division of Real Estate) · FL License #0668981 (Florida DBPR) · Alachua County Clerk, Book 4214, Page 1882 · my public Google reviews, real names and all. Pull it all up. Then book the review. I'd rather earn it than ask for it.
Not ready to talk yet? That's okay — foreclosure decisions take time.
Want all 17 ways as a printable one-page checklist for your fridge?
Reach me any time at (720) 821-0667.