Are you a Seller hoping to avoid foreclosure but dont know how? Are you a Buyer sick of having your offers rejected without knowing why? Have you waited months for an answer from the bank & dont know why? Do lenders seem to be holding all the cards by keeping you in the dark? Are you unaware of your legal rights as a Seller or Buyer?If you answered YES to any of the above, then YOU are among the CLUELESS.In this simple guide, ALL your questions will be answered from what you can do to keep your home to understanding the process of short sales and loan modifications to getting relocation assistance if you lose your home.