foreclosure to experience their own range of emotions. Many homeowners experience self-doubt. “If only I had done things differently,” they tell themselves. But reasons for foreclosure are almost always more complicated than the actions of one individual. Consider job loss, for example. Were you or your partner laid off from a job? Your employer ultimately made that decision, and the reasons were probably more complex than they seem. Did the economy — or management’s own poor decision making — make layoffs necessary? Did the company where you worked experience a sudden loss of business because of fewer customers, seasonal buying habits, rising material costs, or other conditions beyond your control? Perhaps your former employer had to cut costs or eliminate an entire product line. Maybe new owners or managers simply wanted to start with a “clean slate” and hire their own people. Regardless of the reason or reasons for the layoff, your employer made a final call that you (or your partner) did not choose. Did you or a loved one experience a serious health crisis? In most cases, that’s not something you could have foreseen or controlled. Health insurance remains a hot political topic that we won’t tackle here. Regardless of the reasons, the inadequacy of health insurance coverage is a reality for many Americans. Was foreclosure the result of a divorce or breakup? A troubled relationship is rarely the fault of only one partner. It takes work by two willing and committed individuals to make a relationship succeed. Imagine how much harder it can be to work through the foreclosure process when you and your partner aren’t on the
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