Depression, Anxiety, Shame in a World of COVID, Foreclosures, Evictions — and Stress Like We Have Never Seen Before.

Just about everyone I speak with — and there are lots of them from all walks of life in and out of the legal world — have said out loud that they are suffering from mental and emotional distress derived from the year 2020 — call it whatever you want. I am no exception. Sometimes I find it difficult to maintain focus and make decisions. Sometimes I feel a weight on my mind and heart that I never felt before.

People just try to tough it out as though that is somehow better or bolder or more brave than seeking help. That is why I am writing this article. Because people facing foreclosure and eviction do the same thing — they tend to do nothing about it until the last minute when their options are narrowed. I’m no psychologist but I think the reason for both is that people are trying to bury feelings of shame. That is exactly what the banks are counting on in order to further their illegal scheme of foreclosures.

I think all of us are suffering from a low grade depression that existed before the pandemic. 2020 just made it worse. I reluctantly learned that self-reliance in such circumstances is like pounding a nail with a shoe. it might get the job done after considerable time and ruining the shoe — but a hammer would have been a far superior tool and will yield a far superior outcome.

So after receiving an increasing number of calls that started out with the issue of mental or emotional distress, I decided to reach out to the mental health community. To many people this has somehow become a partisan issue so there are competing camps of “belief.” It is frustrating to me and some homeowners that I am not equipped or trained to deal with such issues effectively. Faced with intense pressure and coercion from “servicers” and “trustees” most homeowners find it very challenging to even understand what is happening or why.

I did find that some highly trained therapists were moving away from traditional practice and offering telehealth across the country with a focus on COVID induced depression and anxiety. In fact, as a result of my inquiry, I was hired to create a new company devoted to doing exactly that (just the legal paperwork). I like the people there and I highly recommend them— 25+ years of experience across wide spectrums of demographics etc.

Their goal is to provide assistance in developing better coping mechanisms in just a few sessions. If you are interested go to www.kamvirtual.com. If you can, pass the word around, I would like to see them succeed. Their hearts and minds are in the right place. 

Or find a local therapist. My opinion is that in the context of the pandemic, most mental health providers do not maintain offices where social distancing and sanitizing is even possible. So my suggestion is to find someone who provides telehealth services. It is not the same as in person sessions but it is far superior to toughing it out on your own. With the right therapist, a few sessions should be able to help most people achieve a better balance.

This all comes down to what I have been saying for 14 years — if you know there is an issue, address it as soon as possible — or, as some people say “nip it in the bud.” It makes things a lot easier for me to counsel you on legal matters if you are not using your time with me to vent about your personal problems. I am not qualified to help with that.

One thing I know is that people who are clear-headed about their mortgage problems come to me early or as soon as they have a problem — and there is a lot I can do to help them reach a satisfactory result. The people who are most burdened with distress try to put it out of their mind — until they finally contact me and tell me the sale is tomorrow and ask what I can do. I can help them, but the odds of achieving a satisfactory result when the dust settles is greatly diminished for the people who wait until the last minute.

*Neil F Garfield, MBA, JD, 73, is a Florida licensed trial attorney since 1977. He has received multiple academic and achievement awards in business and law. He is a former investment banker, securities broker, securities analyst, and financial analyst.*

FREE REVIEW:

If you want to submit your registration form click on the following link and give us as much information as you can. CLICK HERE FOR REGISTRATION FORM. It is free, with no obligation and we keep all information private. The information you provide is not used for any purpose except for providing services you order or request from us.In the meanwhile you can order any of the following:

*CLICK HERE TO ORDER TERA – not necessary if you order PDR PREMIUM.

*CLICK HERE TO ORDER CONSULT (not necessary if you order PDR)

*CLICK HERE TO ORDER CASE ANALYSIS 

*CLICK HERE TO ORDER PRELIMINARY DOCUMENT REVIEW (PDR) (PDR PLUS or BASIC includes 30 minute recorded CONSULT)

*FORECLOSURE DEFENSE IS NOT SIMPLE. THERE IS NO GUARANTEE OF A FAVORABLE RESULT. THE FORECLOSURE MILLS WILL DO EVERYTHING POSSIBLE TO WEAR YOU DOWN AND UNDERMINE YOUR CONFIDENCE. ALL EVIDENCE SHOWS THAT NO MEANINGFUL SETTLEMENT OCCURS UNTIL THE 11TH HOUR OF LITIGATION.

• But it is also true that challenging the “servicers” and other claimants before they seek enforcement can delay action by them for as much as 12 years or more. 
• Yes, you DO need a lawyer.

*Please visit www.lendinglies.com for more information.

Posted in Uncategorized |