La venta de casas reposeidas sube en Chicago y parece que los bancos otra vez

empiezan a realizar embargos sin parar y esta vez mas que otras.

La cantidad de Ventas cortas Short sale en Chicago e Ilinois cada vez es mas grande
y el inventorio supera mas del 50% del mercado activo en varios casos.

Los precios de las casas se desploman debido al desemplo creciente en USA , con
esta perspectiva no se esperan cambios en los próximo meses , mas bien dicho en
los próximo anos.

Una grafica de desempleo tan profunda y una destrucción laboral como esta siendo
en el area de Chicago por no hablar de Michigan pudiera ser un minimo de 2 anos
para frenarla .

Que hacer en casos extremos si usted no puede pagar su hipoteca ?

1. En primer lugar la modificación de prestamos seria una buena opción

2. En segundo lugar hablar con el banco y llegar a un acuerdo

3. Tercer lugar una venta corta Short sale

Que debería hacer en un supuesto de perder el trabajo y como actuar

Lllamar a centros de ayudas del gobierno

• Ahorre todo lo que pueda

• Identifique los gastos prioritarios

• Rente su sotano , habitaciones y hasta el garaje

• Elimine gastos

Por lo general , los bancos no le embargan su casa automáticamente , el proceso

es largo y muchas entidades bancarias intentan evitar el proceso a toda costa antes
de reposeer la casas debido alto numero de casas en venta en Chicago por ejemplo
que no venden o pierden mas del 50% del valor ejemplo
http://www.casasreposeidasbaratas.com/

Ellos prefieren que su casa sea vendida en una venta corta o reducier su pago a
través de una modificación .

Estas son las oficinas de ayuda del gobierno en USA si tiene problemas con pagos
retrasados o foreclosure , esta es una información general y debería de leerla y
llamar en caso de pagos retrasados
tat Office Manager Phone/Fa Region/Region
e Name/Addres x al Office
s
AK Anchorage Field COLLEEN K. (907) 677- Region X
Office
3000 C. Street
BICKFORD
Field Office
9800
Fax:
Seattle WA
Making Home Affordable
Suite 401 Director (907) 677-
Anchorage, AK 9803
99503 TTY:
(907) 677-
9825
Email
Help for America's
AL Birmingham Field CINDY (205) 731- Region IV Homeowners
Office YARBROUGH 2617 Atlanta GA
950 22nd St North Field Office Fax
Suite. 900 Director (205) 731-
Birmingham, AL 2593 HUD Implementation of the
35203-5302 Email
Recovery Act
AR Little Rock Field ALICE RUFUS (501) 324- Region VI
Office Field Office 5931 Ft. Worth TX
425 West Capitol Director Fax
Avenue (501) 324-
Suite 1000 6142 HUD.GOV/Recovery
Little Rock, AR Email
72201-3488

AZ Phoenix Field REBECCA (602) 379- Region IX

Office FLANAGAN 7100 San Francisco CA
One N. Central
Avenue
Field Office
Director
Fax
(602) 379- Federal Housing
Suite 600
Phoenix, AZ 85004
3985
Email
Administration
AZ Tucson Field REBECCA (520) 670- Region IX
Office FLANAGAN 6000 San Francisco CA
6245 E. Broadway Acting Field Fax
Blvd., Ste. 350 Office Director (520) 670-
Tucson, AZ 85711 6207
Email

CA San Francisco OPHELIA B. (415) 489- Region IX

Regional Office BASGAL 6400 San Francisco CA
600 Harrison St. Regional Fax
3rd Floor Administrator (415) 489-
San Francisco, CA 6419
94107-1300 Email

CA Fresno Field ROLAND (559) 487- Region IX

Office SMITH 5033 San Francisco CA
855 M Street Field Office Fax
Suite 970 Director (559) 487-
Fresno, CA 93721 5191
Email
CA Los Angeles Field RAY BREWER (213) 894- Region IX
Office Field Office 8000 San Francisco CA
611 W. Sixth Street Director Fax
Suite 801 (213) 894-
Los Angeles, CA 8110
90017 Email

CA Sacramento Field CYNTHIA L. (916) 498- Region IX

Office ABBOTT 5220 San Francisco CA
John E. Moss Field Office Fax
Federal Building Director (916) 498-
Room 4-200 5262
650 Capitol Mall
 Sacramento, CA Email
95814

CA San Diego Field FRANCIS X. (619) 557- Region IX

Office RILEY 5310 San Francisco CA
Symphony Towers Field Office Fax
750 B Street Director (619) 557-
Suite 1600 5312
San Diego, CA Email
92101-8131

CA Santa Ana Field RAY BREWER (714) 796- Region IX

Office Acting Field 5577 San Francisco CA
Santa Ana Federal Office Director Fax
Building (714) 796-
Room 7015 1285
34 Civic Center Email
Plaza
Santa Ana, CA
92701-4003

CO Denver Regional RICK M. (303) 672- Region VIII

Office GARCIA 5440 Denver CO
1670 Broadway Regional Fax
25th Floor Administrator (303) 672-
Denver, CO 80202 5004
Email

CT Hartford Field JULIE FAGAN (860) 240- Region I

Office Field Office 4800 Boston MA
One Corporate Director Fax
Center (860) 240-
20 Church Street 4850
19th Floor Email
Hartford, CT
06103-3220

DC Washington, DC MARVIN W. (202) 275- Region III

Field Office TURNER 9200 Philadelphia PA
820 First Street NE Acting Field Fax
Suite 300 Office Director (202) 275-
Washington, DC 9212
20002-4205 Email

DE Wilmington Field DIANE LELLO (302) 573- Region III

Office Field Office 6300 Philadelphia PA
920 King Street Director Fax
Suite 404 (302) 573-
Wilmington, DE 6259
19801-3016 Email

FL Miami Field ARMANDO (305) 536- Region IV

Office FANA 5678 Atlanta GA
909 SE First Field Office Fax
Avenue Director (305) 536-
Miami, FL 33131 5765
Email

FL Jacksonville Field GARY A. (904) 232- Region IV

Office CAUSEY 2627 Atlanta GA
Charles E. Bennett Acting Field Fax
Federal Building Office Director (904) 232-
400 W. Bay Street, 3759
Suite 1015 Email
Jacksonville, FL
32202

FL Orlando Field PAUL C. (407) 648- Region IV

Office AUSLEY, JR. 6441 Atlanta GA
3751 Maguire Field Office Fax
Boulevard Director (407) 648-
 Room 270 6310
Orlando, FL 32803- Email
3032

FL Tampa Field NIKKI (813) 228- Region IV

Office SPITZER 2026 Atlanta GA
500 Zack Street Acting Field Fax
Suite 402 Office Director (813) 228-
Tampa, FL 33602 2431
Email
GA Atlanta Regional ED JENNINGS, (404) 331- Region IV
Office JR. 5136 Atlanta GA
40 Marietta Street Regional Fax
Five Points Plaza Administrator (404) 730-
Atlanta, GA 30303- 2392
2806 Email

HI Honolulu Field GORDAN (808) 522- Region IX

Office FURUTANI 8175 San Francisco CA
500 Ala Moana Field Office Fax
Blvd. Director (808) 522-
Suite 3A 8194
Honolulu, HI Email
96813-4918

IA Des Moines Field BRUCE RAY (515) 284- Region VII

Office Field Office 4512 Kansas City KS
210 Walnut Street Director Fax
Room 239 (515) 284-
Des Moines, IA 4743
50309-2155 Email

ID Boise Field Office Vacant (208) 334- Region X

Plaza IV, Suite 220 1990 Seattle WA
800 Park Boulevard Fax
Boise, Idaho (208) 334-
83712-7743 9648
Email
IL Chicago Regional BEVERLY (312) 353- Region V
Office BISHOP 5680 Chicago IL
Ralph Metcalfe Fed Deputy Fax
Building Regional (312) 886-
77 West Jackson Administrator 2729
Boulevard Email
Chicago, IL 60604-
3507

IL Springfield Field JOHN W. (217) 492- Region V

Office MEYERS 4120 Chicago IL
500 W. Monroe St., Field Office Fax
Suite 1 SW Director (217) 492-
Springfield, IL 4154
62704 Email

IN Indianapolis Field JOHN HALL (317) 226- Region V

Office Field Office 6303 Chicago IL
151 North Director Fax
Delaware Street (317) 226-
Suite 1200 6317
Indianapolis, IN Email
46204-2526

KS Kansas City GENE (913) 551- Region VII

Regional Office LIPSCOMB 5462 Kansas City KS
400 State Avenue Deputy Fax
Room 507 Regional (913) 551-
Kansas City, KS Director 5469
66101-2406 Email

KY Louisville Field KRISTA (502) 582- Region IV

Office MILLS 5251 Atlanta, GA
 601 West Field Office Fax
Broadway Director (502) 582-
Louisville, KY 6074
40202 Email

LA New Orleans Field DANBERRY (504) 671- Region VI

Office CARMEN 3001 Ft. Worth TX
Hale Boggs Federal Field Office Fax
Building Director (504) 671-
500 Poydras Street, 3751
9th Floor TTY: (504)
New Orleans, LA 589-7277
70130 Email

LA Shreveport Field MARTHA (318) 226- Region VI

Office SAKRE 7030 Ft. Worth TX
401 Edwards Street Field Office Fax
Room 1510 Director (318) 676-
Shreveport, LA 3506
71101-5513 Email

MA Boston Regional RICHARD A. (617) 994- Region I

Office WALEGA 8200 Boston MA
10 Causeway Street Regional Fax
Room 301 Administrator (617) 565-
Boston, MA 02222- 6558
1092 Email

MD Baltimore Field MARY ANN (410) 962- Region III

Office HENDERSON 2520 Philadelphia PA
5th Floor Acting Field Fax
10 South Howard Office Director (410) 209-
Street 6670
Baltimore, MD Email
21201-2505

ME Bangor Field WILLIAM D. (207) 945- Region I

Office BURNEY 0467 Boston MA
202 Harlow Street - Field Office Fax
Chase Building Director (207) 945-
Suite 101 0533
Bangor, ME 04401- Email
4919

MI Detroit Field LANA J. (313) 226- Region V

Office VACHA 7900 Chicago IL
477 Michigan Field Office Fax
Avenue Director (313) 226-
Detroit, MI 48226- 5611
2592 Email

MI Flint Field Office Vacant (810) 766- Region V

Phoenix Building Field Office 5112 Chicago IL
801 South Saginaw,Director Fax
4th Floor (810) 766-
Flint, Michigan 5122
48502 Email

MI Grand Rapids LOUIS M. (616) 456- Region V

Field Office BERRA 2100 Chicago IL
99 Monroe Avenue,Field Office Fax
NW Director (616) 456-
Suite 402 2114
Grand Rapids, MI Email
49503-2633

MN Minneapolis Field DEXTER (612) 370- Region V

Office SIDNEY 3000 Chicago IL
Kinnard Financial Field Office Fax
Center Director (612) 370-
920 Second 3220
 Avenue South Email
Minneapolis MN
55402

MO St. Louis Field JAMES (314) 539- Region VII

Office HEARD 6583 Kansas City KS
1222 Spruce Street Field Office Fax
Suite3207 Director (314) 539-
St. Louis, MO 6384
63103-2836 Email

MS Jackson Field MARY (601) 965- Region IV

Office MERCHANT 4757 Atlanta GA
McCoy Federal Acting Field Fax
Building Office Director (601) 965-
100 W. Capitol 4773
Street Email
Room 910
Jackson, MS
39269-1096

MT Helena Field JOEL (406) 449- Region VIII

Office MANSKE 5050 Denver CO
Paul G. Hatfield Acting Field Fax
U.S. Courthouse Office Director
(406) 449-
901 Front Street, 5052
Suite 1300 TTY
Helena, MT 59626 (406) 449-
5050
Email
NC Greensboro Field CHRISTIAN (336) 547- Region IV
Office STEARNS 4001 Atlanta GA
Asheville Building Field Office Director Fax
1500 Pinecroft Road (336) 547-
Suite 401 4138
Greensboro, NC Email
27407-3838

ND Fargo Field Office JOEL MANSKE (701) 239- Region VIII

657 2nd Avenue Field Office Director 5136 Denver CO
North Fax
Room 366 (701) 239-
Fargo, ND 58108 5249
Email
NE Omaha Field Office CLIFTON JONES (402) 492- Region VII
Edward Zorinsky Field Office Director 3101 Kansas City
Federal Building Fax KS
1616 Capitol (402) 492-
Avenue 3150
Suite 329 Email
Omaha, NE 68102-
4908

NH Manchester Field GREG CARSON (603) 666- Region I

Office Field Office Director 7510 Boston MA
Norris Cotton Fax
Federal Building (603) 666-
275 Chestnut Street 7667
4th Floor Email
Manchester, NH
03101

NJ Newark Field DIANE JOHNSON (973) 622- Region II

Office Field Office Director 7900 New York NY
One Newark Center Fax
13th Floor (973) 645-
Newark, NJ 07102- 2323
5260 Email

NJ Camden Field MICHAEL J. (856) 757- Region II

Office WORTH 5081 New York NY
 Bridgeview Building Field Office Director Fax
2nd floor (856) 757-
800-840 Cooper 5373
Street Email
Camden, NJ 08102-
1156

NM Albuquerque Field ELVA CASTILLO (505) 346- Region VI

Office Field Office Director 6463 Ft. Worth TX
625 Silver Avenue Fax
SW (505) 346-
Suite 100 6704
Albuquerque, NM Email
87102

NV Las Vegas Field KEN LOBENE (702) 366- Region IX

Office Field Office Director 2100 San Francisco
300 S. Las Vegas Fax CA
Blvd. (702) 388-
Suite 2900 6244
Las Vegas, 89101- Email
5833

NV Reno Field Office TONY RAMIREZ (775) 824- Region IX

745 West Moana Field Office Director 3700 San Francisco
Lane Fax CA
Suite 360 (775) 784-
Reno, Nevada 5005
89509-4932 Email

NY New York Regional ADOLFO CARRIÓN (212) 264- Region II

Office Regional 8000 New York NY
26 Federal Plaza Administrator Fax
Suite 3541 (212) 264-
New York, NY 0246
10278-0068 Email

NY Albany Field Office ROBERT SCOFIELD (518) 464- Region II

52 Corporate Circle Field Office Director 4200 New York NY
Albany, NY 12203- Fax
5121 (518) 464-
4300
Email

NY Buffalo Field Office Vacant (716) 551- Region II

Lafayette Court Field Office Director 5755 New York NY
2nd Floor Fax
465 Main Street (716) 551-
Buffalo, NY 14203- 5752
1780 Email

NY Syracuse Field ROBERT SCOFIELD (315) 477- Region II

Office Acting Field Office 0616 New York NY
100 South Clinton Director Fax
Street (315) 477-
Syracuse, NY 0196
13261-7025 Email

OH Columbus Field THOMAS LEACH (614) 469- Region V

Office Field Office Director 2540 Chicago IL
200 North High Fax
Street (614) 469-
Columbus, OH 2432
43215-2463 Email

OH Cincinnati Field JAMES (513) 684- Region V

Office CUNNINGHAM 3451 Chicago IL
632 Vine St. Fifth Field Office Director Fax
Floor (513) 684-
Cincinnati, OH 6224
 45202 Email

OH Cleveland Field DOUGLAS W. (216) 522- Region V

Office SHELBY 4058 Chicago IL
1350 Euclid Avenue Field Office Director Fax
Suite 500 (216) 522-
Cleveland, OH 4067
44115-1815 Email

OK Oklahoma City JERRY HYDEN (405) 609- Region VI

Field Office Field Office Director 8509 Ft. Worth TX
301 NW 6th Street Fax
Suite 200 (405) 609-
Oklahoma City, OK 8588
73102 Email

OK Tulsa Field Office JERRY HYDEN (918) 292- Region VI

Williams Center Acting Field Office 8900 Ft. Worth TX
Tower II Director Fax
2 West Second (918) 292-
Street 8993
Suite 400 Email
Tulsa, OK 74103

OR Portland Field ROY SCHOLL (971) 222- Region X

Office Acting Field Office 2600 Seattle
400 SW 6th Avenue Director Fax
Suite700 (971) 222-
Portland, OR 97204- 0357
1632 Email

PA Philadelphia BRENDA LAROCHE (215) 656- Region III

Regional Office Deputy Regional 0500 Philadelphia
The Wanamaker Administrator Fax PA
Building (215) 656-
100 Penn Square, 3445
East Email
Philadelphia, PA
19107-3380

PA Pittsburgh Field CHERYL E. (412) 644- Region III

Office CAMPBELL 6428 Philadelphia
William Moorhead Field Office Director Fax PA
Federal Building (412) 644-
1000 Liberty 4240
Avenue, Email
Suite 1000,
Pittsburgh, PA
15222-4004

PR San Juan Field ARMANDO FANA (787) 766- Region IV

Office Acting Field Office 5400 Atlanta GA
235 Federico Costa Director Fax
Street (787) 766-
Suite 200 5995
San Juan, PR 00918 Email

RI Providence Field NANCY SMITH (401) 277- Region I

Office Field Office Director 8300 Boston MA
121 South Main Fax
Street (401) 277-
Suite 300 8398
Providence, RI Email
02903-7104

SC Columbia Field SHARON SHULER (803) 765- Region IV

Office Acting Field Office 5592 Atlanta GA
1835 Assembly Director Fax
Street (803) 253-
13th Floor 3043
Columbia, SC Email
 29201-2480

SD Sioux Falls Field Vacant (605) 330- Region VIII

Office Field Office Director 4223 Denver CO
4301 West 57th Fax
Street (605) 330-
Suite 101 4428
Sioux Falls, SD Email
57108
TN Nashville Field Vacant (901) 544- Region IV
Office Field Office Director 3403 Atlanta GA
235 Cumberland Fax
Bend (615) 736-
Suite 200 7848
Nashville, TN Email
37228-1803

TN Knoxville Field MARK BREZINA (865) 545- Region IV

Office Field Office Director 4370 Atlanta GA
710 Locust Street, Fax
SW (865) 545-
Suite 300 4569
Knoxville, TN Email
37902-2526

TN Memphis Field JOHN GEMMILL (901) 544- Region IV

Office Field Office Director 3367 Atlanta GA
200 Jefferson Fax
Avenue (901) 544-
Suite 300 3697
Memphis, TN Email
38103-2389

TX Ft. Worth Regional C. DONALD (817) 978- Region VI

Office BABERS 5965 Ft. Worth TX
801 Cherry Street, Regional Fax
Unit #45 Administrator (817) 978-
Suite 2500 5567
Ft. Worth, TX 76102 Email

TX Dallas Field Office BOB W. COOK (214) 767- Region VI

525 Griffin Street Field Office Director 8300 Ft. Worth TX
Room 860 Fax
Dallas, TX 75202- (214) 767-
5032 8973
Email
TX Houston Field EDWARD L. (713) 718- Region VI
Office PRINGLE 3199 Ft. Worth TX
1301 Fannin Field Office Director Fax
Suite 2200 (713) 718-
Houston, TX 77002 3225
Email
TX Lubbock Field MIGUEL RINCON (806) 472- Region VI
Office Field Office Director 7265 Ft. Worth TX
1205 Texas Avenue Fax
Room 511 (806) 472-
Lubbock, TX 79401- 7275
4093 Email

TX San Antonio Field RICHARD LOPEZ (210) 475- Region VI

Office Field Office Director 6806 Ft. Worth TX
One Alamo Center Fax
106 South St. Mary's (210) 472-
Street 6804
Suite 405 Email
San Antonio, Texas
78205-3625

UT Salt Lake City Vacant (801) 524- Region VIII

Field Office Field Office Director 6070 Denver CO
125 South State Fax
 Street (801) 524-
Suite 3001 3439
Salt Lake City, UT Email
84138

VA Richmond Field JOHN E. HALL (804) 771- Region III

Office Field Office Director 2100 Philadelphia
600 East Broad Fax PA
Street (804) 822-
Richmond, VA 4807
23219-4920 Email

VT Burlington Field MICHAEL (802) 951- Region I

Office MCNAMARA 6290 Boston MA
159 Bank Street Field Office Director Fax
2nd Floor (802) 951-
Burlington, VT 6298
05401 Email

WA Seattle Regional MARY MCBRIDE (206) 220- Region X

Office Regional 5101 Seattle WA
909 First Avenue Administrator Fax
Suite 200 (206) 220-
Seattle, WA 98104- 5108
1000 Email

WA Spokane Field WILLIAM FATTIC (509) 368- Region X

Office Field Office Director 3200 Seattle WA
US Courthouse Fax
Building (509) 368-
920 W. Riverside, 3209
Suite 588 Email
Spokane, WA
99201-1010

WI Milwaukee Field Vacant (414) 297- Region V

Office Field Office Director 3214 Chicago IL
310 West Fax
Wisconsin Avenue (414) 297-
Room1380 3947
Milwaukee, WI Email
53203-2289

WV Charleston Field PETER MINTER (304) 347- Region III

Office Field Office Director 7000 Philadelphia
405 Capitol Street Fax PA
Suite 708 (304) 347-
Charleston, WV 7050
25301-1795 Email

WY Casper Field DWIGHT (307) 261- Region VIII

Office PETERSON 6250 Denver CO
150 East B Street Field Office Director Fax
Room 1010 (307) 261-
Casper, WY 82601- 6245
1969 Email

Arriba las oficinas del gobierno donde usted deberia llamar en caso de no poder
pagar su hipoteca para asesoria
Venta de casas en Addison | Venta de casas en Aurora | Venta de casas en Barrington | Venta de casas en Bellwood | Venta de
casas en Belvidere | Venta de casas en Bensenville | Venta de casas en Berkeley | Venta de casas en Berwyn | Venta de casas en
Bolingbrook | Venta de casas en Bridgeview | Venta de casas en Broadview | Venta de casas en Buffalo Grove | Venta de casas en
Burbank | Venta de casas en Chicago | Venta de casas en Chicago Albany Park | Venta de casas en Chicago Heights | Venta de
casas en Chicago Ridge | Venta de casas en Cicero | Venta de casas en Crest Hill | Venta de casas en Crystal Lake | Venta de casas
en Dekalb | Venta de casas en Des plaines | Venta de casas en Elgin | Venta de casas en Elk Grove village | Venta de casas en Elk
Grove Village | Venta de casas en Elmwood Park | Venta de casas en Evanston | Venta de casas en Franklin park | Venta de casas
en Glendale Heights | Venta de casas en Gurnee | Venta de casas en Hanover Park | Venta de casas en Harvey | Venta de casas en
Hoffman Estates | Venta de casas en Itasca | Venta de casas en Joliet | Venta de casas en Leyden Township | Venta de casas en
Marengo | Venta de casas en Markham | Venta de casas en Maywood | Venta de casas en Melrose Park | Venta de casas en
Midlothian | Venta de casas en Morton Grove | Venta de casas en Naperville | Venta de casas en Norridge | Venta de casas en
Northlake | Venta de casas en Oak Forest | Venta de casas en Oak Lawn | Venta de casas en Orland Park | Venta de casas en
Oswego | Venta de casas en Palatine | Venta de casas en Pingree Grove | Venta de casas en Plainfield | Venta de casas en
Posen | Venta de casas en Riverside | Venta de casas en Rockford | Venta de casas en Rolling Meadows | Venta de casas en
Romeoville | Venta de casas en Round lake | Venta de casas en Schaumburg | Venta de casas en Schiller Park | Venta de casas en
Skokie | Venta de casas en South Elgin | Venta de casas en St. Charles | Venta de casas en Stickney |Venta de casas en Stone
park | Venta de casas en Streamwood | Venta de casas en Summit | Venta de casas en Villa Park | Venta de casas en
Waukegan | Venta de casas en West Chicago | Venta de casas en Westchester | Venta de casas en Wood Dale | Venta de casas en
WoodRidge | Venta de casas en Zion