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	<title>How to Write a Hardship Letter &#124; Samples</title>
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	<description>32 of them, in fact, written by a professional...</description>
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		<title>Twenty percent foreclosure discounts predicted into the next year</title>
		<link>http://www.samplehardshipletter.net/news/twenty-percent-foreclosure-discounts-predicted-into-the-next-year</link>
		<comments>http://www.samplehardshipletter.net/news/twenty-percent-foreclosure-discounts-predicted-into-the-next-year#comments</comments>
		<pubDate>Sat, 01 Dec 2012 15:27:15 +0000</pubDate>
		<dc:creator>News</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1709</guid>
		<description><![CDATA[Amid shrinking supplies of foreclosed homes on the market, there are still areas with high foreclosure discounts. States like Nevada, Tennesse, Minnesota, North Carolina, New York, and Georgia, in that order, had significantly more homes begin the foreclosure process this past October, so we can expect an increase in affordable inventory in these areas in ...]]></description>
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		<title>University of Denver law students sue to block mass eviction in Fort Morgan</title>
		<link>http://www.samplehardshipletter.net/news/university-of-denver-law-students-sue-to-block-mass-eviction-in-fort-morgan</link>
		<comments>http://www.samplehardshipletter.net/news/university-of-denver-law-students-sue-to-block-mass-eviction-in-fort-morgan#comments</comments>
		<pubDate>Sat, 01 Dec 2012 10:56:20 +0000</pubDate>
		<dc:creator>News</dc:creator>
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		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1705</guid>
		<description><![CDATA[Young families and senior citizens, residents of the Wayward Wind Mobile Home Park in Fort Morgan, Colorado, might be getting eviction letters instead of holiday cards in their mailboxes this winter.  Student lawyers from Denver Law&#8217;s Environmental Law Clinic filed court documents looking to block the park&#8217;s closure and force its operators to provide clean ...]]></description>
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		<title>Compensation available for victims of bank error</title>
		<link>http://www.samplehardshipletter.net/news/compensation-available-for-victims-of-bank-error</link>
		<comments>http://www.samplehardshipletter.net/news/compensation-available-for-victims-of-bank-error#comments</comments>
		<pubDate>Sat, 01 Dec 2012 10:09:00 +0000</pubDate>
		<dc:creator>News</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1707</guid>
		<description><![CDATA[The Independent Foreclosure Review program will be closed to requests by the end of the year, so it&#8217;s time to get working on that request application! If the independent auditor finds errors in the bank&#8217;s processing, the homeowner may receive financial compensation, to the tune of anywhere from $500 to $125,000. So far only 250,000 ...]]></description>
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		<title>Five horsemen of the fiscal cliff</title>
		<link>http://www.samplehardshipletter.net/news/five-horsemen-of-the-fiscal-cliff</link>
		<comments>http://www.samplehardshipletter.net/news/five-horsemen-of-the-fiscal-cliff#comments</comments>
		<pubDate>Sat, 01 Dec 2012 09:46:50 +0000</pubDate>
		<dc:creator>News</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1703</guid>
		<description><![CDATA[If the Mayan&#8217;s prediction about the world ending this month is incorrect, let&#8217;s hope that the &#34;fiscal cliff&#34;is just poorly understood economics. Real estate has it&#8217;s own &#34;fiscal cliff&#34; that may be approaching fast, heralded by five horsemen. The first could be the elimination of the mortgage interest deduction, followed by the expiration of the ...]]></description>
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		<title>&#8216;Foreclosure fighters&#8217; host Thanksgiving</title>
		<link>http://www.samplehardshipletter.net/news/foreclosure-fighters-host-thanksgiving</link>
		<comments>http://www.samplehardshipletter.net/news/foreclosure-fighters-host-thanksgiving#comments</comments>
		<pubDate>Fri, 30 Nov 2012 15:35:53 +0000</pubDate>
		<dc:creator>News</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1701</guid>
		<description><![CDATA[A group of &#34;foreclosure fighters&#34; in Portland hosted a Thanksgiving dinner at a home that could soon be cleared by the sheriff&#8217;s department. This is the home of Debbie Austin who has been fighting eviction for a year and has invited people who have been forced out of their homes to join her for the ...]]></description>
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		<title>Former mortgage executive pleads guilty in &#8220;robo-signing&#8221; case</title>
		<link>http://www.samplehardshipletter.net/news/former-mortgage-executive-pleads-guilty-in-robo-signing-case</link>
		<comments>http://www.samplehardshipletter.net/news/former-mortgage-executive-pleads-guilty-in-robo-signing-case#comments</comments>
		<pubDate>Fri, 30 Nov 2012 13:18:59 +0000</pubDate>
		<dc:creator>News</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1699</guid>
		<description><![CDATA[Lorraine Brown the 56-year-old former president of LPS Document Solutions, a subset of Lender Processing Services Inc, pleaded guilty in court in Jacksonville, Florida. She is accused of conspiring to commit mail and wire fraud between 2003 and 2009, but the company is not charged with malpractice. When it discovered Brown&#8217;s fraudulent practices in 2009 ...]]></description>
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		<title>Short Sale Process Complicated by Loan Selling</title>
		<link>http://www.samplehardshipletter.net/news/short-sale-process-complicated-by-loan-selling</link>
		<comments>http://www.samplehardshipletter.net/news/short-sale-process-complicated-by-loan-selling#comments</comments>
		<pubDate>Fri, 30 Nov 2012 11:11:40 +0000</pubDate>
		<dc:creator>News</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1697</guid>
		<description><![CDATA[Big banks like Citi and Bank of America are selling servicing rights for mortgages to smaller companies, finishing short sales is getting more complicated.  When a bank sells a loan to a new company, the seller must start the short sale process all over again, even if he or she had begun it some time ...]]></description>
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		<title>Mediation law helps reduce D.C. foreclosures</title>
		<link>http://www.samplehardshipletter.net/news/mediation-law-helps-reduce-d-c-foreclosures</link>
		<comments>http://www.samplehardshipletter.net/news/mediation-law-helps-reduce-d-c-foreclosures#comments</comments>
		<pubDate>Fri, 30 Nov 2012 08:57:55 +0000</pubDate>
		<dc:creator>News</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1695</guid>
		<description><![CDATA[The Saving D.C. Homes from Foreclosure Emergency Amendment Act act implemented in 2010 seems to have had a positive role in the decline of foreclosures in the area. The act requires mortgage lenders to send homeowners notice of default and gives them the right to mediation before foreclosure. Associate Commissioner for Banking in the District&#8217;s ...]]></description>
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		<title>Foreclosure activity slowed further by Hurricane Sandy</title>
		<link>http://www.samplehardshipletter.net/reasons/foreclosure-activity-slowed-further-by-hurricane-sandy</link>
		<comments>http://www.samplehardshipletter.net/reasons/foreclosure-activity-slowed-further-by-hurricane-sandy#comments</comments>
		<pubDate>Thu, 29 Nov 2012 14:49:40 +0000</pubDate>
		<dc:creator>News</dc:creator>
				<category><![CDATA[Reasons]]></category>

		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1693</guid>
		<description><![CDATA[New Jersey will need at least until the end of 2013 to work through it&#8217;s backlog of foreclosures. The next wave of foreclosures was about to replenish real estate inventory when Hurricane Sandy stopped it in its tracks. While reports like the latest from RealtyTrac show a 15 percent decline in New Jersey foreclosure activity, ...]]></description>
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		<title>Mortgage Settlement Relief Pushes Homeowners Out</title>
		<link>http://www.samplehardshipletter.net/news/mortgage-settlement-relief-pushes-homeowners-out</link>
		<comments>http://www.samplehardshipletter.net/news/mortgage-settlement-relief-pushes-homeowners-out#comments</comments>
		<pubDate>Thu, 29 Nov 2012 14:34:15 +0000</pubDate>
		<dc:creator>News</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.samplehardshipletter.net/?p=1691</guid>
		<description><![CDATA[If the goal of the $25 billion national mortgage settlement was to keep homeowners and their houses together, it&#8217;s not doing a very good job. Short sales outnumber all other forms of relief, like principal reduction and loan modifications that would actually help people stay in their homes by making payments more affordable. Since short ...]]></description>
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