I've been exactly where you're sitting right now. This page is the whole story — the ugly parts too.
I'm Chris Curry. Licensed Realtor since 1998 — Colorado and Florida. 27 years in this business. 3,952 families served. And in 2009, I went broke anyway.
I sat in foreclosure on my own house for four years. Then on December 8, 2014, the Alachua County Clerk recorded a Satisfaction of Mortgage on that house. Forgiven. 100%. Book 4214, Page 1882. You can look it up before you read another word — I'd actually prefer you did.
And no, that isn't a metaphor. There really were ten of us.
When you have ten kids under one roof, you learn economics quickly. I watched my parents work two jobs each just to keep the lights on and food on the table.
By age 14, I was reading through the contracts and bills that came to the house, trying to figure out how the machine worked. I wanted to understand the rules of the game so we wouldn't have to play it so hard just to survive.
In 1998, I got my Florida Realtor license. I thought I had the rules figured out. I built a life in Florida — got married, had kids, bought the house at 2104 SW 14th Street in Gainesville.
"What I wanted back then was simple: to never feel scared about a phone call from a bank ever again."
That was me twenty years ago. Here's what came next.
It didn't arrive on one day. It arrived as a slow drip.
In 2007, my listings started slowing down. In 2008, the market froze entirely. By 2009, it was a full collapse. The brokerage I was at practically shut its doors.
The income stopped. The savings drained out over the next few months trying to hold it together. And here's the part I never told anyone for years.
Most days I'd pull into my own driveway after work — and just sit there. In the truck. Sometimes an hour. Not because the truck was broken. Because I didn't know how to walk inside and tell my wife we were going to lose the house.
The truck was the safest place I had all day.
"We're not going to be able to keep the house." — me, to Heather, 2010
The worst part of going through foreclosure is not the money. The money you can replace.
The worst part is the SHAME. The lying-awake-counting-headlights shame. The avoiding-people-at-the-grocery-store shame. The not-being-able-to-look-your-kids-in-the-eye shame.
If any of those sentences punched you in the chest — I know. Keep reading.
If you've had your own hour in the truck — this next part is for you.
And the real lesson wasn't grit. It was the playbook.
Here's where the story turns. Not with a miracle. With paperwork. I learned every loan modification waterfall HUD published. I dug into my own foreclosure file, page by page, and found a Qualified Written Request (QWR) error the bank had made. So I fought it. On paper. By the rules.
And in 2014, the Alachua County Clerk recorded a Satisfaction of Mortgage. Mortgage forgiven 100%. 2104 SW 14th Street, free and clear. Recorded December 8, 2014 — Book 4214, Page 1882.
It's public record — don't take my word for it. I sold the house after, because I wanted the money to rebuild. After that I became obsessed with the playbook. RESPA. Loss mitigation timing under 12 CFR 1024.41. Dual-tracking violations. CRCP 120 hearings. Each servicer's specific patterns — Wells, Chase, Mr. Cooper, BoA, Newrez. The Notice of Error and Request for Information process. The seven sentences your servicer doesn't want you to say.
I wasn't trying to build a brand. I was trying to become the person I needed in 2009 and didn't have.
That's the toolset I built. Now run your case through it.
I was talking with a homeowner named Tom from Boulder, CO. We were going through his options, and he just stopped and said:
"I just want this to be over."
That's when I realized my real job wasn't list paper. It was translating the bank's silence into English so people could sleep.
I built a two-lane business right then.
LANE 1: Build the package, file the paper, defend the house. Free.
LANE 2: List the home — if and only if the homeowner decides that's the best exit.
Two lanes. Win-win or no deal. Tom kept his house. The next homeowner didn't — and chose to sell on his own timeline instead of the bank's. The one after that took cash-for-keys and walked. Three different outcomes. One playbook. The Decide is always yours.
That's the call I wish I could've made in 2009.
It's a quick call. We lay out every single option. We build the plan to DEFEND with an AI-built loan mod package. We figure out how to DELAY with the right paperwork. And then it's on you to DECIDE.
Modification. Reinstatement. Sell on your timeline. Deed-in-lieu. Cash-for-keys. All of it is on the table.
Most homes in foreclosure never go to auction. They get postponed, modified, or pulled. The bank wins less often than they want you to think.
"I am the 4th from the family of ten. I am the broken one. The Gainesville house. I am the person who picks up the phone now."
And here's what I'm offering you free:
This is for you if: you're behind on payments or already got the letter, you're willing to read what I send you, and you want every option on the table before you decide anything.
This is not for you if: you're hoping it goes away on its own, you want someone to promise you an outcome — nobody honest can — or you've already signed with one of the postcard guys. No hard feelings. Different page.
Chris, Ready to Stop my Foreclosure!No pressure · Free 15-minute review · Talk to someone who's been there
The free 15-minute review
Here's exactly what happens. You leave your number below. I call you — usually the same day. We talk for 15 minutes. No script, no pitch, no pressure. You hang up knowing every option you have and what each one actually costs you. And if you don't need me? I'll tell you that too. That's the whole brand.
If you'd rather keep hoping it goes away — this isn't for you. If you're ready to start fighting, leave your number.