Object: The object of the game is to finish the game with the highest credit score and most money, while navigating through life's twists and turns, and avoiding foreclosure.

The unique feature of ForeclosureOpoly is that there are 18 Trivia spaces on the board. If you land on a Trivia Space you must answer a trivia question on such subjects as homeownership, saving, good credit practices, mortgages and credit scores. When you answer the trivia questions correctly, your credit score increases and you earn cash. Challenge your knowledge. When you answer the trivia questions incorrectly, your credit score drops and you must pay a penalty to the bank. If you don't have enough money to pay your yearly mortgage payment (anytime you pass Home) YOU LAND IN FORECLOSURE. That's when staying in the game really gets tough! Only the smart, savvy and educated can stay out of foreclosure...or GET OUT OF FORECLOSURE! ForeclosureOpoly is a great learning tool to manage through real life events, buy a house and STAY OUT OF FORECLOSURE. Play ForeclosureOpoly often and achieve the American Dream!

Setting Up the Game: Place the game board in the center of the players. Each player selects a pawn to represent him or herself when driving around the board. Select a Banker from one of the players. Select a Life Coach from one of the players. The Banker distributes one (1) House, a Bank Statement-Credit Score Sheet, and $25,000 to each player (the first year's salary). The Life Coach holds the Trivia Cards and places the Trivia Cards face down. Each player places his house within the Suburbia neighborhood. Next, each player will throw the dice and advance around the board. The player that finishes the game with the highest credit score and most cash, wins the game.

Home: Each Player starts from Home. When a Player advances around the board and lands on or passes Home, it represents one year of life and they collect one year's salary, and must pay the Bank a yearly mortgage payment.

Advancing Around the Board: Each Player takes turns throwing the dice, and advances to a space containing a life event or consequence, based upon the total indicated by the dice. When landing on a space, the Player must follow the consequences, such as PAY A PENALTY, or RECEIVE a CASH BONUS or REWARD. In all cases, Penalties are paid to the Bank, and Bonus's and Rewards are received from the Bank.

Banker: The Banker can be one of the players or just act as Banker. If the Banker also is a player, then he or she must keep their money separate and keep track of their own Bank Statement-Credit Score Sheet.

Life Coach : The Life Coach holds the Trivia cards face down. When a player lands on a Trivia space, the Life Coach will select the next card on top of the deck, and read the Trivia question to the player. The Life Coach will read the correct answer and tell the player whether the answer is right or wrong, and advise the player of the cash reward or penalty (CV=Cash Value), or the credit score increase or decrease (CSV=Credit Score Value).

Throwing the dice: If a Player throws a double (example: two ones, two twos, two threes, etc), the player receives another turn. If a player throws a double a second time in sequence, the Player receives another turn. If a Player throws a double a third time in sequence, the Player loses the turn.

Houses: There are 3 types of houses: Starter House, City Condominium, and Luxury Mansion. Each house has a different value and annual mortgage cost, as follows:

Each player begins the game with a Starter House and places it on the game board in the Suburbia neighborhood. At the start of the game, your credit score is 680, and each player starts with $25,000 cash.

When your credit score increases to 740, and if you also have $50,000 cash, YOU MUST trade in your house for a City Condominium and move to Metropolis. You must have both a minimum 760 score and $50,000 cash.

When your credit score increases to 800, and if you also have $100,000 cash, YOU MUST trade in your house for a Luxury Mansion and move to Utopia. You must have both a minimum 840 score and $100,000 cash.

Pawns: There are nine pawns to select from. Chic Girl, Geek, Couch Potato, Elderly Couple, Family, Pickup Truck Dude, Pregnant Women, SUV, Muscle Head Guy

Foreclosure : If a player lands on or passes Home and does not have enough money to pay their mortgage, they immediately land in foreclosure. The player must place their house over the ForeclosureOpoly sign, move their pawn to the ForeclosureOpoly space, and reduce their credit score by 100 points. The player that is in foreclosure continues to have their turn to throw the dice (in normal rotation); however, will only advance their pawn around the ForeclosureOpoly downtown neighborhood where they are at GREAT RISK of losing their home to scammers, con artists, high priced attorney's, high repair bills and failed government programs.

While in Foreclosure:

If you land on the Spinner space you may spin the Spinner and take a chance at getting out of foreclosure; or you may choose not to Spin and get a guaranteed $1000 from the bank. So, think twice before you choose to spin, because when you spin the Spinner, you either WIN BIG or LOSE EVERYTHING (your house, and all cash).

Here's what the Spinner Spaces mean:

Auction – Your house was sold at Auction. Your mortgage was paid off and you get a refund of $10,000. You are out of the game.

Bankruptcy, Chapter 7 – You are forced to file Chapter 7 Bankruptcy and lose your house. You are out of the game.

Deed In Lieu - You voluntarily surrendered your house to the bank. You must pay $1000 taxes. You are out of the game.

Short Sale – The Bank has agreed to accept a discounted payoff for your house. You lose your house. You are out of the game.

Jackpot – You're out of foreclosure. Start from Home on the game board and move back to your previous neighborhood.

Bonus $5k – Receive a $5,000 bonus from the bank.

Bonus $10k – Receive a $10,000 bonus from the bank.

Bonus $25k – Receive a $25,000 bonus from the bank.

Bonus $100k – Receive a $100,000 bonus from the bank.

If you land on Loan Modification , you may move your house back to the Suburbia neighborhood and move your pawn to Home; only you must add $5000 to the cost of your yearly mortgage. If you are unable to pay your yearly mortgage while in Loan Modification , you LOSE YOUR HOUSE and you are out of the game.

If you land on Chapter 13 Bankruptcy , you may move your house back to the Suburbia neighborhood and move your pawn to Home; only you must add $10,000 to the cost of your yearly mortgage. If you are unable to pay your yearly mortgage while in Chapter 13 Bankruptcy, you LOSE YOUR HOUSE and you are out of the game.

If you land on the ForeclosureOpoly space, you receive a $10,000 gift from the bank.

While you are in Foreclosure, if you run out of money , or are unable to pay your bills , you LOSE YOUR HOUSE and you are OUT OF THE GAME! While you are in Foreclosure, if you earn enough money to pay up your mortgage, you may pay off your mortgage arrears and move your house to Suburbia , move your pawn to Home , and start over .

Bankruptcy :

Chapter 7 – You must turn over all of your cash and your house to the bank. You are OUT OF THE GAME!

Chapter 13 - Y ou may move your house back to the Suburbia neighborhood and move your pawn to Home; only you must add $10,000 to the cost of your yearly mortgage. If you are unable to pay your yearly mortgage while in Chapter 13 Bankruptcy, you LOSE YOUR HOUSE and you are out of the game.

ForeclosureOpoly (the space):If you land on the ForeclosureOpoly space, you receive a $10,000 gift from the bank.

Trivia space : There are 18 Trivia spaces on the board. If you land on a Trivia Space you must draw a Trivia Card and answer the question on such subjects as homeownership, saving, good credit practices, mortgages and credit scores. When you answer the trivia question correctly, your credit score increases and you earn cash. When you answer the trivia questions incorrectly, your credit score decreases and you must pay a penalty to the bank. The score/cash rewards or penalties are listed beneath the question on each Trivia Card.

Board Spaces : Each board space represents a life event. When landing on a board space, you must follow the event, receive the reward, or pay the consequence. If you land on Trivia, (see Trivia).

ForeclosureOpoly (Easy Street): Easy Street is the neighborhood that represents the difficult time you have while in foreclosure. Here is where you are at GREAT RISK of losing their home to scammers, con artists, high priced attorney's, high repair bills and failed government programs.

FREQUENTLY ASKED QUESTIONS

Q- May I buy more than one house?

A- Yes. To purchase an additional house, you must pay a 20% deposit to the bank, and be able to pay the mortgage for all houses owned, each time you pass home. You can only purchase an additional house after you pass home (3) three times, and during your regular turn.

TIMING: 30 Minutes, One Hour, or Continuous Play

oreclosureOpoly is optimized to achieve a winner in just 30 minutes. However, you may choose to play ForeclosureOpoly in One Hour, or saving your score cards results and pawn locations, to continue playing at another time. Why not schedule a weekly family game night and (Continuous Play) pick up where you left off.

You'll have many days and nights of family fun playing ForeclosureOpoly.