The first step we take is to listen to what the facts are surrounding your situation. We want to know everything that has happened, and what you want to happen next. We want you to tell us in your own words what happened, and what your final goal is for your situation. Many times we have clients that are in debt, facing issues that they wish they could avoid but need to solve. What we recommend depends on what they have tried in the past and what they want to do in the future. In a foreclosure situation, there are multiple solutions like foreclosure litigation in state or federal court, renting out the property, selling the property in a short-sale or regular sale, bankruptcy (Either a chapter 7, chapter 13 or even both if the situation demands it.) Without understanding your full story, we cannot get to the part where we talk about options.