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 same page. Further, as we learned during the Great Recession, the need for many foreclosures could have been averted if lenders had applied realistic guidelines for qualifying home buyers in the first place — and if government had exercised responsible oversight over the lending process. There’s plenty of blame to go around, but you’re not to blame for wanting to give yourself and your family an opportunity to experience homeownership. Researcher Robert D. Dietz determined that homeowners tend to be happier and healthier, both physically and emotionally. They participate more in political and community activities, including voting. Their children tend to perform better academically and experience fewer behavioral problems. Who wouldn’t want these things? Whatever the underlying cause of your foreclosure, it feels terrible to you, and it’s natural to experience a range of difficult emotions. Mastering these emotions is a crucial first step in dealing with the problem. Remaining stuck in denial or unhappiness about the situation can prevent you from taking action at a time when prompt action is exactly what you need to
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