Many families are in denial they`re being Foreclosed. How do you handle this situation?

We deal with many homeowners throughout the state of Florida who are involved with either a "Short Sale or Foreclosure".
Many after awhile come to the realization, it`s time to become "Unattached" and move on from the home they worked hard for.
It`s part of knowing you`re no longer able to afford to continue with the mortgage.

Majority of people know it`s time to look at other options,others don`t quite grasp the severity of remaining in a home which is facing foreclosure.

Recently, we`ve dealt with a few home owners who are unable to understand the realization it`s simply time to vacate a home.
Believe me, it`s not wise to wait for the Sheriff to serve you with a "Notice".

I make it a habit to sit down with these Sellers and commence the entire process of what will transpire. It`s never pleasant explaining to those who`s "Dreams" are ruined.

Foreclosures effect the entire family. For example as we all know "Children hate to be displaced". They ask questions and it`s hard for them to understand.
It`s easier when the homeowners start explaining to their family "Mommy and Daddy" have to move to another home early on,rather than last minute.

We recently had to re-explain the entire "Foreclosure Process" to a family who`s home is being "Foreclosed" in June.
They`ve been served by the courts,yet they don`t believe it.

The Conversation is as follows:

Family: You mean after 13 months we have to vacate?

Me: Yes, we`ve gone over this before, the lenders will not accept a sales price of $325,000 on your home, they`re not entertaining any offers any longer.

Family: can`t we ask for an extension?

Me: We have you`ve been in the home longer than we both expected. The time has come to look at other options, i`m very sorry!

Family: We don`t have any other options.

Me: You`ve been living in this home for almost 14 months without paying a mortgage. You`re mortgage was $2700 per month. Didn`t you save anything?

Family: Well, we tired at first, but with the cost of food and other expenses we have nothing left!

Me: We need to begin looking at our options. Do you have any family here?

Family: We have no one to help us. We asked our church for assistance, they said "No"..
We don`t have enough money for a rental,unless we can find a landlord to help us.

Me: There comes a time where you had to have known this day would come. We need to find a small condo for you and your family.

It`s disheartening, this is happening more and more. These people are facing the reality of Foreclosure without having a plan.
I don`t quite know what will happen,but the way this is panning out I pray this family doesn`t wind up living in the streets.
I predict this type of situation will occur more and more.