The months leading up to the actual foreclosure date is traumatic in every sense of the word, and it can set off a series of actions that can drive you crazy if you let it, keep you awake for many sleepless nights, and cause physical pains like headaches, backaches, shoulder aches, nausea, vomiting, and mental and physical stress.
Each new day causes a new sensation of desperation, a new bout of anxiety, and a new feeling of dread. It causes you to want to leave town, but you can't afford to do that. You stop talking to your family, friends, co-workers, and creditors, and it makes you want to stop going to work, to church, or out in public, but you can't stop doing those things either.
You try not to worry, but you worry anyway. And you don't want anyone to tell you not to worry, because worrying, at this point, is the only thing that you can do about your situation. When people tell you not to worry, they are not trying to appease you, they are just trying to make you feel better and that is all they know to say. But honestly, you don't want to hear it because, unless they can help you catch up on your mortgage, you don't want them saying anything period.
So what do you do? If you've done everything that you can do to keep your home, and everything seems hopeless, all you can do is try to make the best of a bad situation. If you can't bring your mortgage current, if you've talked to your lender, if you've tried to work out a loan modification plan, filed for bankruptcy, and nothing worked, outside of winning the lottery, there may be nothing else that you can do.
Don't get so worked up over it that it makes you sick. Don't get angry at your wife, or your husband, or your children. They are under a lot of pressure, too. Talk to your doctor if you feel that you need help getting some rest, if you have anxiety and chest pains, or bad headaches.
Drinking does not help at all, nor does taking illegal drugs, so don't do those things because they will only make matters worse. Don't blame others for your dilemma, and most of all, don't beat up on yourself. Remember this! You are not alone. Foreclosure happens to more people than you might think.
You may feel as though the world is crumbling beneath your feet, but the world can carry your burden and there is actually a light at the end of the tunnel, although you can't see it yet. Once the foreclosure is behind you, you will be able to rest easier and start rebuilding your life.
You will see that all is not lost. Before you know it, you will be back on your feet, looking to the future with wide eyed excitement and getting inspiration from everything you see, because life has not deserted you. You will come out of this mess sporting a brand new beginning, a new set of goals, and an awareness that you went through foreclosure and lived to talk about it, and now you know that you are strong enough to handle any adversity.
You will live through it, your family will live through it, and anyone who knew about it soon forget it happened and you will move on with your life. It will take a little time to get back on the right track because the foreclosure process is painful, but it won't kill you and you will live to buy and own another home again.