Just when you thought you may have had a handle on the Foreclosure mess a new law emerges or a new program is born. Does the word Bail Out ring a bell or how about Stimulus Package, or Hope Now Program? It doesn’t appear the government can get it straight how do they expect a consumer to.

I guess we should all feel better that Florida is not number one in rankings but takes second place to California. Despite the fact that according to Realty Trac the number of Florida properties with foreclosure filing in 2008 more than doubled the state total from the previous year. The bottom line is we have a mess on our hands and something needs to be done now. I always loved the catch phrase by Syms Clothing Store; “an educated consumer is our best customer.” As far as I know they are still up and running and must have a lot of educated consumers. I think we all need to educate ourselves when it comes to foreclosures.

If not you, I am sure you know someone who is or will be facing foreclosure at some point. It is a grim reality, and you need to know your options. Most homeowners do not know who to turn to and get so frustrated that they either do nothing and let the bank take their home to auction or try and work out a plan with their lender.

Ever try calling your lender? If you really want to ruin your day this is a great way to do it. That is if you reach them and do not get cut off 3 times, transferred to the wrong department twice and finally get someone on the end of the line in India. Most of the time you will find out they are not willing to do much and can make the situation more stressful! As for the most part they are not the most pleasant people to deal with. Who can blame them, they get a ton of calls each day and usually get yelled out by most. I wonder why the lenders keep losing their employees. Most of them would rather get a root canal then stay at their jobs.