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S. P. Duke

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Foreclosures Rising - New Book by S. P. Duke Gives Foreclosed Home Owners Answers

Jacksonville, FL, January 30, 2008 --( Real, help is available for troubled homeowners.

“All About Bankruptcy and You” shows millions how to avoid losing their homes as foreclosures soar. This new book by S. P. Duke actually shows homeowners how to use the Bankruptcy laws to prevent their home from being sold, and, how to force the mortgage holder to give them up to 5 years to catch up the back payments while they continue living in the home. It even shows you how it’s possible to live in the home for up to 1 year with no payments. It’s now available either as a download or a printed book from Lulu Publishing by pasting this address in your browser: and “All About Bankruptcy and You” will be available for order through major bookstores about March 1, 2008.

Not only are sub-prime mortgage foreclosures rising to record levels. While 30 states have sub-prime foreclosures ranging between 9% and 20%, some states have delinquency rates pushing over 30% which means many more are likely to go into foreclosure very quickly.

Even when you include those “good” prime mortgages, the situation is frightening with 3% to 4% in foreclosure and up to 10% delinquent indicating the national foreclosure rate average for all loans of 5.81% is probably heading much higher.

A “personalized” look inside the figures means:
1 out every 10 mortgages is delinquent - including those prime mortgages.
1 out of every 17 is in foreclosure and more are on the way. Are you next?

Hopefully not. However, “If you are facing delinquent payments on your mortgage or other debts including credit cards, loans or medical bills,” Mr. Gardner, a professional bankruptcy preparer and former partner of the author says: “All About Bankruptcy and You” is a must read.”

“It provides honest answers to the problems that homeowners are facing and it’s the best $20. investment they could make.” said Mr. Gardner. Then he added: “All About Bankruptcy and You” shows you how to do it yourself or how to use a professional preparer for a few hundred dollars without paying thousands of dollars to attorneys, and, you can learn more by checking out a free preview portion of the book at any of the following websites: or or

Contact Information
ABLS Services
Mayo Gardner
904 - 264 - 4005

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