Stop foreclosure, lower your payments and take charge of your financial future. Join the Sedona Creative Life Center for a live seminar Saturday, Feb. 28, from 1 to 4 p.m., with a question and answer session at the end at the center in Sedona.

This comprehensive, three-hour, in-depth instructional class will provide you with all the tools you need to keep your home, prevent foreclosure, lower payments, understand loan modification, learn to modify loans, effectively negotiate with your lender and view your situation from your bank’s perspective, stated a press release.

Learn what a forensic loan audit is and the three things you do not tell your bank. Seven out of 10 loans have legal issues, and you need to know why this is extremely important for your situation.

You have power over your bank, so exercise that power and lower your payments.

This three-hour presentation not only teaches you exactly what you need to successfully renegotiate your loan, it provides you with a template for a powerfully effective hardship letter. You will also be supplied with free forms needed to take control of your financial situation. You can even earn extra income helping others — this class will show you how.

Tickets are $89 in advance, $99 at the door, and are available at the Golden Word Bookstore and The Worm Bookstore in the Village of Oak Creek.

Get tickets online along with more information. Watch free videos at www.loanmodlessons.com.