As a lawyer who works in this area (defending wrongful foreclosures) I see this book as one that gives the reader enough rope with which to hang him- or herself. Each state's laws are different. And in states in which non-judicial foreclosure is the norm, this book is worse than useless. Consult with a COMPETENT lawyer who works in this area and has more than a few years of practice under his or her belt in the areas of real estate related litigation, bankruptcy, and real estate if you risk losing your home or investment property. No one book or source can substitute for a lawyer who sees the big picture and will be aware of the unexpected and the intangible issues that are always presented. I gave the book two stars because I think the book was written with good intentions. But we all know what the road to Hades is paved with.