Jan 09

To avoid a foreclosure on a home or other piece of property, the home may be sold by the lender to repay the mortgage. When the sales of the property are not sufficient to repay the mortgage, a short sale may occur. A short sale is when the bank, or lender, discounts the remaining balance on the mortgage, usually due to severe financial or economic restrictions on the part of the borrower.

 

The borrower’s financial restrictions are usually determined by the help of a Loss Mitigation professional, who can help decide if a short sale would be a better business transaction for the lender than foreclosing on the property. This is often the case when the value of the home is actually worth less than the remaining amount owed. In this case, the borrower is still responsible to pay back whatever balance remains.

 

There are no agencies that monitor short sales, and they are usually done as a last resort to prevent a foreclosure. This usually helps the home owner/borrower as well, since a foreclosure will not be on their credit history and, depending on the history of credit, the borrower may enter into another mortgage within 1-3 years. A short sale is usually much quicker than a foreclosure, and sometimes allows the borrower to pay back all that is owed to the lender (if stated in the contract at the time of the short sale). The borrower can also partially control the amount of loss, and may have less to pay back than in the event of a foreclosure.

 

The lenders have the option to accept short sale requests after a Notice of Default has been issued. However, because of recent hardships pertaining to the ongoing foreclosure crisis, lenders are now more willing to accept short sales. This provides hope for those borrowers who owe more on their mortgage than they could repay by foreclosing, these are the individuals who benefit the most from short sales.

One Response to “Short Sales Explained”

  1. JennyInMalibu Says:

    Few comments on the above:

    In the third line of the 3rd paragraph, there is some confusion for readers, I believe. It reads “since a foreclosure will not be on their credit history. . . ” What Dean means is if the borrower has received a Notice of Default (aka NOD) and the property doesn’t go all the way to foreclosure and is cured timely, it won’t be on your credit report – so just make sure you understand what Dean’s trying to say there.

    Also, don’t think a short sale isn’t going to go on your credit reports – it will and stays for a long time. Dean is correct that in 2-3 years, the borrower can again apply for a home loan, but the SS will still be on his credit. Also, the amount the bank had to eat will be put on a tax form the bank sends to you and the IRS and that eaten amount is treated as “income” to you! Argh! Seek legal advice if you need to do a SS for yourself or your loved ones, so you know everything you need to know before you are slammed into a wall for a SS.

    A SS is SO MUCH better than a foreclosure – you can get another home loan in several years and with all of the national fallout, the banks providing home loans have to overlook SSs or they won’t have too many borrowers to lend to!

    Dean’s The Man!

Leave a Reply

doxycycline hormonal imbalance can cause yellow urine can i take ativan while taking zoloft and restoril xenical orlistat 120 mg rezeptfrei and the pill terramycin oxytetracycline with polymyxin pfizer buy for chickens erythromycin pityriasis lichenoides does work for bladder infection pregnancy after miscarriage using clomid 3rd round iui can zoloft cause dry skin and ciprofloxacin prednisolone sodium phosphate equivalent to abdominal pain what happens when you stop prednisone too fast does help opiate withdrawal can procardia cause chest pain does effect breast milk effexor and cymbalta which is better pellets cefixime tablets cefolac 200 thuoc siro chloramphenicol eye drops baby palmitate solubility etodolac pain med is the same as ibuprofen what strength of tretinoin cream should i use differin or fluoxetine nausea and vomiting teenage depression omeprazole plavix fda warning sucralfate valtrex ibs taking and diflucan lexapro sudden withdrawal symptoms what happens if you drink alcohol while taking i hate zoloft spanish contraindications with lipitor interactions with antibiotics metformin creatinine will taking help with weight loss what happens if you miss your synthroid for a week can cause low blood sugar antibiotics and sun exposure amoxicillin oral antibiotics time for flomax to take effect dangers of and cataract surgery finasteride vs viagra alternative herbs to does liquid prednisone go bad equivalent dose of prednisolone accutane lawsuit london ontario yasmin and is prednisone pregnancy safe can you take zyrtec and can tamoxifen cause discharge metoprolol prednisone and ibuprofen together missed dose viagra tablet information in hindi can reduce blood pressure tetracycline and amoxicillin lcmsms www.viagra.com newpatient forum homéopathique erythromycin haemophilus influenzae birth defects problems associated with clomid what day do you normally ovulate on mixing ritalin and tramadol hcl iupac name wirkstoff erythromycin creme pityrosporum folliculitis brand name of metformin 500mg ran effexor withdrawal incontinence and kidney problems can wellbutrin be taken with abilify weight changes tetracycline side effects dizziness chlamydia treatment treatment diverticulitis cipro allergy does and flagyl cause diarrhea how much paxil does it take to overdose neck pain does amoxicillin treat ear infections can cause yeast infection in babies 36 hour cialis dosage lilly prix drinking alcohol after taking metformin prometrium and pregnancy can you overdose on voltaren tablets gel where to buy can i take celebrex with zoloft phenergan and interactions propranolol psychiatric side effects beta adrenergic blockers what does ovulation feel like on clomid how to use for bodybuilding adequan and prednisone how long does take to leave clear your system ventolin nebules over the counter australia is an antihistamine zithromax for acne reviews buy online mastercard improving viagra effectiveness what will happen to a woman if she takes can accutane affect your liver can i take sleeping pills while on clomid fifth cycle plus iui twins taking 5-htp with zoloft and gum disease does metformin interfere with levothyroxine the diabetes drug clonidine and synthroid what is normal dosage of nystatin versus diflucan autism antifungal therapy and sunlight 30 mg of lexapro how much does cost with blue cross blue shield taking fluoxetine and amitriptyline hcl 10mg pregnancy viagra female side effects my husband is using good experiences with bactrim pediatric dose chart can i take benadryl with diclofenac sodium can you take with oxycodone canine liver cancer and prednisone is harmful to an unborn baby picture of generic valtrex can increased blood pressure taking viagra in suitcase india order flagyl treatment in pregnancy and zpack together is kamagra viagra ways to get hard without combining cipro and doxycycline for skin infection dosage benefits of short term prednisone how long before starts working for asthma prednisone dosage after chemotherapy side effects low potassium should i take synthroid before fasting blood work maximum daily dose of side effects from stopping propranolol dosage heart rate metformin used to increase fertility new brain cells dose for infant benadryl is using as a sleep aid safe nolvadex gyno before after using on cycle coreg bretagne 80 mg cr valtrex dosage to prevention cold sores can interfere birth control oral propranolol for hemangiomas of infancy shortage australia how long does accutane take to clear mild acne when did first come out is avelox stronger than zithromax and fatigue prednisolone 15 mg cancer patients doxycycline suppressive therapy acne vulgaris treatment metformin and ivp generic brand of doxycycline chemical properties dosering bij acne viagra niacin interaction for sale online cheap tramadol urine test time tapering timeline cialis generic pharmacy 5 mg for sale cystic acne while on doxycycline and erythromycin interaction zoloft forms side effects fatigue abilify e cannabis and epilepsy prednisone good mood aching muscles montelukast in childhood asthma what is the evidence for its use is tylenol linked to bactrim ds for uti taking for uti while pregnant how can i get my doctor to prescribe me xenical no gallbladder how to take metformin without side effects is used for polycystic ovarian syndrome does phenergan make you tired mumsnet wellbutrin xl weight side effects atenolol how long do accutane initial breakout last should i use moisturizer while on what happens if you go tanning while on bactrim and black tongue tramadol suppress cough dosage for 50 lb dog other names for prednisone for vestibular disease can you smoke while on accutane strongest dose of what is the difference in cialis and viagra how do i stop emails is expired prednisone toxic cancer dogs is it safe to take tramadol and aleve together overnight pharmacy uti caused by amoxicillin tablet composition lexapro dilated pupils generic for anxiety taking amoxicillin 4 times a day difference between and ampicillin sulbactam clomid success rate first 3 months is it possible to not ovulate on can i take vitamins with doxycycline long shelf life veterinary medicine doxycycline accord tegen acne voltaren injection abscess side effects cream can you mix cipro and flagyl what illnesses is used for difference between voltaren and advil can i take panadeine forte and together is lisinopril harmful to dogs vs lupin carpal tunnel prednisone 50 mg for 5 days side effects dog medication fluoxetine vs citalopram for depression metformin and mobic and phentermine results can doxycycline hyclate treat tooth infection brand names uk cipro 2000 mg for testicular pain 2nd dose accutane vs. vitamin a supplement cialis once a day vs viagra 50 mg cost will tramadol relax you suicidal tendencies plavix dry skin dose chest pain prednisone and asthma management celebrex and atarax available over the counter 25 chat sertraline amoxicillin interaction side effects of expired liquid dosage of flagyl for trich dosage of for h pylori can you get high off robaxin 750 and topamax any young guys take viagra buying online cheap allegra hair salon coquitlam mp3 song free download what are the side effects of metformin tablets always thirsty clomid very tired which day do you ovulate on can doxycycline treat mouth infection hyclate and drug test is amoxicillin tetracycline how quickly is absorbed purple toes coumadin can i eat greens while on celexa how long does it take to get out of your system does make you crazy how soon can you take second dose of diflucan how often can i take a is metformin gluten free which is better glucophage or how long does it take doxycycline 100mg to work dose of for antimalarial amoxicillin for strep adults can make birth control less effective where to get diflucan one not working on yeast infection viagra or revatio how long is effective last synthroid 150 side effects side effects of 75 mcg how long after taking flagyl can i take diflucan for newborn thrush is nortriptyline better than amitriptyline headache relief how much weight can you lose with xenical expected weight loss with does zyrtec cause nightmares clarinex-d vs -d will amoxicillin treat urinary tract infection allergic to and clarithromycin www.pastilla cialis preise in tschechien viagra music video download online echeck tetracycline and how it works can cause irregular periods atorvastatin vs. rosuvastatin in protecting kidneys what is tablets for prednisone withdrawal itchy skin apocaps and can amoxicillin cause you to get pregnant what is pinamox caps 250mg used for brilinta vs plavix study dexilant study can i take cold meds with claritin contact dermatitis prednisone drinking wine treating rosacea with trilipix crestor combination zocor comparison clomid 50 vs 100 after lupron plavix copay cards warfarin vs erythromycin ophthalmic ointment for neonates chemical name for accutane effects pregnancy effects of during pregnancy bactrim scarlattina effect on period can ventolin cause oral thrush inhaler price australia most powerful natural viagra where to buy in canada prednisone 25 mg asthma do you need a prescription for in canada generic for viagra name online sale in india tramadol 50mg for my dog does have an antidepressant in it changing sertraline fluoxetine feeling better on diflucan directions for use can you take monistat after low dose doxycycline blepharitis taking amoxicillin and what does the medicine lasix do acetazolamide and inositol fluoxetine and lithium voltaren gel and systemic absorption emulgel joint pain review bactrim cause oral thrush metabolismo adding remeron to zoloft side effects of paxil and what happens if you take clomid mid cycle for tren bactrim standard dosage ortho tri cyclen lo and bactrim side effects tendons ciprofloxacin versus should i take cialis in the morning cost of in south africa does zithromax cure oral chlamydia and vyvanse prednisone deficiency symptoms how much weight does make you gain metronidazole flagyl instructions can you eat yogurt while on what does levaquin not cover used to treat pneumonia how do prilosec and nexium differ muscle pain amoxicillin what infections is it used for loose bowels do you need prescription tramadol canada maxalt and interaction diflucan drug eruption medical use for ativan cymbalta interaction does make you numb losing weight while on metformin generic and brand name of buspar lowers serotonin does cause skin rash can you crush amoxicillin for cats apo- trihydrate 500mg coumadin and triglycerides foods to avoid while on medicine female viagra bangladesh available in trivandrum can lipitor cause balance problems age group is celexa or paxil better for anxiety what class is for pregnancy buy cheap diflucan online interaction between and amiodarone corneal abrasion treatment erythromycin available dosage flagyl and intestinal flora what happens if you stop taking early prednisone blood tests can you mix tylenol and prednisone bloodshot eyes what are the after effects of taking 40 mg prednisone for 5 days how long does it take dose pack to work zoloft xanax mixed can i take and xanax can you take norco and zoloft together no food augmentin otitis media bone penetration does tramadol block opiates can i take with omeprazole do you need a prescription to get metformin 500 mg zoloft and avanza abuse of effexor hcl 37.5 dialysis ampicillin doses in neonates and sulbactam package insert midodrine and lisinopril does contain penicillin can i take amoxicillin and ciprofloxacin at the same time itching hands feet after taking prednisone and chronic fatigue why prescribe for dogs clomid cost nhs evening primrose oil fertility zoloft e abbuffate stopping after two months avis mobic ossature bois difference between and flexeril prednisone and postmenopausal bleeding rectal pain original use of tetracycline for dog ear infection should prednisone be taken in the morning or at night is a glucocorticoid xenical orlistat production problems oily stool tamoxifen and bowel cancer uv spectra taking amoxicillin not prescribed how long after expiration date can you take prolonged use of cialis with red bull free trial cymbalta coupon for chronic myofascial pain amitriptyline rxlist side effects when coming off it amoxicillin 1000 30 stück dosage for small dogs adverse effects of propranolol treatment for infantile hemangiomas in china does make you tired flagyl anaphylaxis dose for colitis zoloft for alcoholics effects of low dose neurontin cymbalta drug interactions buspirone when to take baby off prevacid suspension with sodium bicarbonate phenergan with codeine package insert and naproxen taking amoxicillin with methotrexate and levofloxacin together difference between tramadol and meloxicam and hydrocodone drug interactions does paxil help with ibs what happens if you drink while on penicillin vk 500mg vs amoxicillin atypical pneumonia ciprofloxacin with amoxicillin forgot to refrigerate liquid common side effects from prilosec heartburn worse after stopping amitriptyline side effects feline lose weight after stopping diflucan and still itching 150 mg hombre lexapro make you thirsty after two months what is the purpose of amoxicillin 500mg of side effects leg cramps from clomid robitussin ttc lexapro coupons discounts can you buy generic wellbutrin with sertraline ritalin en how many days after you start clomid do you ovulate tracking ovulation tramadol dosage dental pain imigran and zyrtec after drinking 365 pharmacy coupons for viagra what if u take and u dont need it how much does xenical cost with insurance formulation erythromycin accutane before and after reddit is tramadol a perk pill identify amoxicillin pediatric drops taking 2 at once how long does amoxicillin take for tooth infection for viral pneumonia topical amitriptyline vulvodynia can cause leg pain fluconazole and cialis online free trial bactrim iv max dose f de roche how to get prescribed codeine and promethazine hydroxyzine pam vs can i take a xanax while on zoloft benadryl contraindications how long for bactrim to kick in upset stomach is cialis covered under express scripts can u take with zoloft phentermine and ventolin syrup storage requirements clorazepate and zoloft and unable to ejaculate can tramadol hurt your kidneys take and ibuprofen together what can't you do when taking accutane can you take with orange juice lexapro and phentermine together and cipralex are the same how to take liquid lexapro withdrawal and anger digoxin concentration when should i give erythromycin 500mg tablets interaction between carbamazepine and drug interactions zoloft ativan clonazepam and combination lisinopril hydrochlorothiazide common side effects the physical-chemical stability of in solution what is seroquel used for and what are the side effects how long does 200 mg stay in your system dgd me and zoloft get along just fine lyrics causing narcolepsy tylenol 3 for tramadol withdrawal is good for rls types of accutane after small bumps prednisolone insect bites painkillers seroquel and levaquin got pregnant while on missed period on tamoxifen estrogen positive breast cancer remeron solubility and flushing accutane side effects for males blue cross blue shield coverage propranolol no sleep can you take with phentermine tamoxifen and fasting joint pain with ventolin inhaler for 3 year old evohaler buy erythromycin gastroparesis treatment ano ang what time of day is best to take amitriptyline amenorrhea acarbose an alternative to metformin for first-line treatment in type 2 diabetes success of pregnancy with celexa falling asleep metallic taste in mouth which is newer celexa or lexapro side effects of withdrawal of is tramadol contraindicated in renal failure for oxycodone withdrawals endep with alcohol can you take and duromine together eosinophilic esophagitis prednisone side effects from in dogs side effects of my dog taking prednisone taper prescription nitrates viagra use buying from canada safe accutane get rid of redness is sold in mexico lexapro better with food linked to birth defects lexapro like zoloft weaning off side effects zoloft makes me moody cold medicine while taking doxycycline in third trimester for chronic blepharitis zoloft dosage for 11 year old first day symptoms can you drink alcohol while taking amitriptyline for treating pain elavil and tramadol methadone drug test can flagyl cure gonorrhea and birth control where can i purchase viagra over the counter can taking cause blood in urine alesse birth control lose weight will cause weight gain can you take naproxen with erythromycin gegen campylobacter indication viagra femme will work if i'm drunk overdose symptoms of tramadol in dogs myasthenia gravis lisinopril drug side effects lack of appetite long term effects of norvasc and arrhythmias wellbutrin xl dependency épilepsie advair diskus 100 50 instructions less expensive alternative to should you take propranolol at night can you take and melatonin taking clomid after pct day 17 no ovulation pcos belly fat metformin and your kidneys tramadol drug class for lumbar stenosis class of advair diskus free prescription for metformin and x ray contrast er recommended dosage can you take 5mg of lexapro faa approved prednisolone acetate ophthalmic suspension generic for dosage toddler croup celebrex interaction with plavix aciphex and doxycycline antimalarial mechanism buy online uk can i take another tramadol picture of 50 mg lexapro melatonin interactions what happens if you take extra what day of my cycle should i start clomid dry on hydrochlorothiazide and neurontin lisinopril 12.5 20 atarax ve icki pisseprov prednisolone shelf life liquid withdrawal depression buspar and trazodone interactions adverse reaction to ventolin medication information 1 nb คือ bactrim for cuts is ds good for acne bactrim ds and chlamydia does cause sweating amantadine drug card hcl cas diflucan 200 mg a day and toddlers codeine phosphate and amitriptyline overdose antidote erythromycin gel uk before after food can you give ampicillin gentamicin together haemophilus influenzae cipro suspension and g tube to treat herpes amoxicillin capsules taste bad maculopapular rash reaction can amoxicillin be used with paracetamol does and clavulanate potassium make you tired when can you take pregnancy test on clomid how long do hot flashes last does prednisone effect warfarin risks of taking during pregnancy is prevacid used for ulcers how well does work plavix antiagrégant generic walmart cost can you take effexor with alcohol clonazepam xr how long buspar take effect combinations accutane initial breakout on back for ichthyosis taking valtrex and amoxicillin and potassium clavulanate tablets is used for active ingredient of cialis taking 5mg can you take bactrim ds for a cold antybiotyk forum blues music on viagra commercial thuoc that propranolol sweating at night 80 mg slow release zoloft compensation and army propecia side effects nbc news is covered by tricare drugs containing tetracycline dosage of for h pylori best generic lipitor abdominal pain from how much is prescription clomid generic name for metformin wann nach op cause anger ordering amoxicillin online allergic reaction from does crestor put on weight what can happen if you stop taking can you take nexium before an endoscopy dosage 40 mg is valtrex more effective than zovirax is it safe to take while nursing amoxicillin dosage for large dogs ou augmentin does amoxicillin work for ear infection when to give a dog tamoxifen purchase discharge side effects can my baby take tylenol with amoxicillin 875 dosage taking tramadol with hydromorphone can you drive with where to buy nolvadex in south africa abdominal fat lexapro 30 mg tablet to zoloft equivalent is viagra legal in usa benefits of using mixing clindamycin and amoxicillin dose 1000 mg can i take pepto with nexium infant dose is flagyl good after expiration date will work for tooth infection prednisone advice claritin interaction can i take flagyl with amoxicillin stomach ache from zoloft or prozac for ptsd side effects of diarrhea does effexor xr come in tablet form xr 25 mg can propecia regrow temple hair priceline can amoxicillin be used to treat pneumonia dosage for typhoid fever does levitra cause hearing loss discounter gastric bypass zoloft can going off cause weight gain what cold medicine can i take with lexapro average dose of for depression abrupt withdrawal of effexor week 1 nexium in uk pregnancy and can i take adderall and zoloft at the same time day 17 tamoxifen prevent breast cancer cancer treatment over the counter equal to viagra is otc in spain zoloft premature ejaculation dosage paxil and side effects electrolyte abnormalities with lasix how does it work in the body amitriptyline dog allergies sleep apnoea lisinopril cost at cvs max dosage cialis in natura prescribing information pdf enterococcus faecalis resistant to ampicillin sulbactam iv side effects prednisone for rectal bleeding how to taper the dose of tamoxifen for 4 years does cause chemo brain amazon diflucan can be taken with alcohol doxycycline urine color change deer tick is it safe to take 4 50 mg tramadol can i give my dog after surgery can i take robaxin with mobic can you take ultram with can effexor xr cause memory loss body pain can tramadol relieve anxiety cvs price took lexapro two days medicines comparable to allopurinol to prevent tumor lysis gout when taking ranitidine and warfarin interaction can you take and omeprazole together viagra and dapoxetine online can a man take too much clonazepam luvox interactions side effects itching prednisone dosage for 70 pound dog side effects in male dogs am i too young to take cialis taking with levitra dosage and side effects of prednisone how long for to work crohn's does nexium cause internal bleeding dosage amounts can i take advil pm with zofran headache side effect of cipro coverage mrsa tendon problems with robaxin zoloft interaction will i lose weight if i stop taking tetracycline and pediatrics proper use dosage of amoxicillin strep throat can treat fungal infections erythromycin benzoyl peroxide topical gel and pregnancy and the implant daily valtrex therapy safety pregnancy trimix and viagra together can you take through airport what's the difference between prednisone and cortisone taking and benadryl together cipla valtrex limited use code lincocin tablete uputstvo 500 mg dosage accutane as cancer treatment tea tree oil while on cialis 20 mg infarmed good place to buy online cardizem er 180 mg drip blood pressure can zanaflex make you high what are the side effects of amitriptyline 70 mg with ibuprofen transitioning from zoloft to lexapro ansiolitico amoxicillin genital warts reasons to prescribe dehydration effect on the stability of cefixime trihydrate antibiotik untuk gonore viagra in trinidad and magic mushrooms viagra helpline phone number icki does nolvadex show on drug test impotence prednisone effects on adrenal glands for acute sinus infection is doxycycline expensive is it safe to get pregnant after taking remeron hives why does make you tired doxycycline gonorroe can i take cold medicine with can propranolol cause ringing ears cardiac effects the generic name for lipitor lawsuit diabetes fluoxetine (prozac) includes a black box warning concerning which of the following ambien interactions propecia and ivf pregnant on flagyl e acne metronidazole over counter does lexapro increase appetite free coupon for why is generic lipitor so expensive do not crush lipitor warnings side effects precautions what to expect when you start taking clomid 3rd round of failed how to change from fluoxetine to citalopram what is hydrochloride for amoxicillin 500 uses 200 mg chewable tablets is zithromax a sulfa based drug and ovulation express scripts prior authorization for viagra identify genuine interaction between tramadol and meloxicam difference between tylenol with codeine and cipro water pill how long does continue to work after last dosage fluoxetine hcl drugs.com farmacotherapeutisch kompas zoloft class c pregnancy does going off cause headaches first clomid cycle what to expect can you take maca root and together can you mix ibuprofen and tramadol induced anxiety treatment for nail fungus lamisil once belgique blood work after taking clomid success stories pcos when taking prednisone can i take ibuprofen falling pregnant on side effects lipitor 2012 and norvasc take lexapro and topamax together can you get high of doxycycline year old used tooth infection cialis generika ratiopharm online japan does tamoxifen cause dry eyes what is and raloxifene can i have panadol with antibiotics can you take while taking adipex medicine like celexa what is for in bipolar how many days do i have to take cipro register on metformin and abnormal lfts does cause dizziness propecia belly fat walmart pharmacy price atarax tablet muadili can i take with percocet 20 mg claritin per day cause ed augmentin gsk hong kong dosage tonsillitis amitriptyline creme kopen at bedtime does zithromax really expire class action lawsuit cialis professional 40 mg duree effet 10 mg fluoxetine and ethanol interaction apo wikipedia getting pregnant after miscarriage with clomid bladder infection nexium lawsuit lawyer does cause hypertension prescription required for propecia long does take work dosage of levaquin for sinus infection off patent remeron prices 28 tablet fiyatı buying synthroid in canada how do i take my can i take bactrim and doxycycline together 100mg shortage amoxicillin dosage for a toddler what to do if you miss a day of what is a normal dose of fluoxetine pro 20 mg carvedilol and prednisone indication of period early after clomid after hysteroscopy cialis price goodrx 10 mg 4 st valtrex interaction with synthroid before outbreak can a child overdose on amoxicillin children's overdose allergic reaction to benadryl symptoms children's dosage for 5 year old accutane shin splints show up drug test dosage range for lasix do you lose weight on alternative drug to amoxicillin gives me indigestion will bactrim treat paronychia does cover gram negative bacteria lexapro oxycodone dull headache lexapro and blood clots regular dosage