November 24, 2010
Mortgage Loan Modification – What?
In Rialto, California, a Wells Fargo & Co. customer, Richard Cormier, made 8 mortgage payments on a trial mortgage loan modification and on Oct. 12 they told him his home was going to be auctioned at the end of the month. Why? Wells Fargo & Co. informed him that there was some paperwork not in his file. Can’t believe that? Well, you’d better, because this happens all too often with mortgage loan modification paperwork.
Richard stated, “Every time I try to do something they ask, it’s never right”.
Mortgage Loan Modification – Hopeful News For Some?
A spokesperson from Wells Fargo, which is the largest mortgage lender in the U.S., said the mortgage loan modification will be approved. The Hopeful News, if you want to call it that, is that as of June, according to Tom Goyda, a company spokesperson, Wells Fargo has started to designate one employee to take care of a mortgage loan modification from beginning to end. Goyda said this was implemented so that a homeowner “knows who they’re working with”.
Under HAMP guidelines, a final sale for a foreclosure is banned until 30 days after a homeowner has received rejection notification. The foreclosure sale can’t happen until servicers provide foreclosure attorneys with written certification that all mortgage loan modification efforts have been implemented.
Mortgage Loan Modification Nightmare
Bank of America’s Bauwens said in an e-mailed statement , “Our normal policy is to continue with the foreclosure process while we review a customer for a loan modification,” and also stated “If we have not finished our review, we will postpone the foreclosure sale automatically.” However, wouldn’t you agree that the foreclosure process should be stopped when someone is applying for a mortgage loan modificaton?
It can take as long as nine months for many lenders to approve a mortgage loan modification, something that shouldn’t take more than 45 minutes, said Rick Rogers, who is an attorney in Bannockburn, Illinois, who represents homeowners.
“Lenders are overwhelmed,” was said in an interview with Nathalie Martin, a professor at the University of New Mexico School of Law. “A lender is duty-bound to hire enough people to be able to service their loans.”
I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage loan modification or other situation as a first step to getting you help to stop foreclosure.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,
Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://www.bloomberg.com/news/2010-11-02/mortgage-modifications-meant-to-save-u-s-homes-push-them-into-foreclosure.html
Mortgage Loan Modification – Are You On That Merry-Go-Round?
Filed under foreclosure rights, loan modification, Non-Attorney Help, stop foreclosure, stop foreclosure sale by 
November 12, 2010
B of A – Please Answer The Question
Critics say, even if B of A [Bank of America] has only been foreclosing on property owners that are late and after appropriate loan-modification attempts, B of A’s statements have just ignored the most pertinent question.
Rebel Cole, a law professor at DePaul University in Chicago, made a great point about B of A by saying, “They may have been accurate in that the borrower was delinquent,” “But what they don’t say is, ‘We have followed the law,’ and that is where the issue is.”
Cole states that in a lot of cases, the banks do not have the necessary paperwork to proceed with foreclosures. ”The genie’s out of the bottle on this one,” Cole says regarding B of A.
B of A Cut Corners
Last month, a letter from Ohio Attorney General Richard Cordray pointed out that B of A cut corners in what “would appear to amount to a fraud upon our courts.” Skeptics say that Bank of America’s apparent failure to abide by state property law could become a stumbling block for B of A as well as for JPMorgan Chase and Wells Fargo.
“The banks are trying to paper over this problem, but if you know the law, you know there is no easy way out of this,” Rebel Cole also stated regarding B of A and other bank’s issues.
Not everyone agrees that the foreclosure fiasco signifies a certain doom for the banks like B of A, which potentially face much larger issues with a still-sick housing market and a weak economic recovery.
Chris Whalen, of Institutional Risk Analytics, is one, because Whalen said, “In the scheme of things, this is not going to matter,” Whalen also stated, “We’ll see some bizarre trial decisions and the cost of servicing is going up, but this is not going to kill them.”
B of A Said They Aren’t Perfect
Last month, B of A conceded in a statement that “we’re not claiming perfection,” which is just as well because of the wrongful foreclosure nightmares that have come to surface of late. B of A has emphasized that it’s “committed to getting our process right.”
Bank of America, meanwhile maintains it’s going to resume foreclosures – though recently their statements have been more cautious.
On Oct. 18, B of A stated that it they are planning that “the first foreclosure affidavits will be resubmitted to the courts” by Oct. 25. However, they have modified that by saying it is “preparing to submit affidavits” in a process that “will take several weeks.”
I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage situation as a first step to getting you non-attorney help to stop foreclosure.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,
Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://finance.fortune.cnn.com/2010/11/02/what-we-still-dont-know-on-bofas-foreclosures/
Do you have a B of A loan?
Filed under facing foreclosure, fighting foreclosure, Non-Attorney Help by
November 8, 2010
FORECLOSURES STOPPED FINALLY!
The Attorney General in Connecticut, Richard Blumenthal, is investigating GMAC Mortgage, which is one of the nation’s biggest servicers of home loans. He claims that there are defective foreclosure documents. Foreclosures Stopped – Finally! around September 20, 2010.
Connecticut’s Attorney General is insisting that GMAC Mortgage, which is a unit of Ally Financial Inc., stop all foreclosures in the state. Of the Foreclosures Stopped in 23 States – Connecticut is one them.
Foreclosures Stopped – Bank’s Failure To Follow Basic Legal Procedures
It is my understanding that he stated “The bank’s apparent failure to follow basic legal procedure — a potential fraud on the court — is appalling and unacceptable” and went on to say “Our investigation will enable strong legal action against GMAC/Ally, if warranted by the facts and the law. I will fight to assure the banks comply with clear legal requirements that protect homeowners from unfair foreclosures of their homes.” Like I said earlier – Foreclosures Stopped Finally!
The company said it was suspending sales of foreclosed homes and the company also declared a suspension on evictions of homeowners – in other words Forclosures Stopped – who have fallen behind on their mortgages in 23 states, including Connecticut.
Several Cases Withdrawn – Foreclosures Stopped!
GMAC said the moratriums were implemented to give it time to review its procedures on foreclosures. A week earlier several law firms representing lenders in GMAC foreclosures withdrew their cases against borrowers. Forclosures Stopped in 23 States!
On Friday a statement was released and the company said the substantive contents of the affidavits in question were accurate regarding the facts and its review which they conducted internally thus far had revealed no evidence of any factual errors regarding the details typically contained in foreclosure affidavits.
It is my understanding the company also said it believes defects occurred in some, but not all foreclosures in the 23 impacted states. The problem was identified and addressed a few months ago, the company said.
I offer a Free – No Obligation Consultation And Preliminary Audit of your foreclosure problems and mortgage situation as a first step to getting you help to stop foreclosure.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,
Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://www.streetinsider.com/General+News/Ally+Bank+Halts+Foreclosures+in+23+States/5984196.html
Foreclosures Stopped – What About Yours?
Filed under foreclosure problems by
October 31, 2010
Fighting Foreclosure – Don’t Just Roll Over
How long will it be before the nightmare of home foreclosures is over? Ask Mike Dillon, who’s been fighting foreclosure to keep his New Hampshire home for the majority of the past decade.
Mike did miss 2 payments in 2002, he then caught up and was current on his loan by later that year, that’s when his mortgage problems started and he began fighting foreclosure on his home.
Fighting Foreclosure – How It Can Start
The story is his loan servicing company did not properly credit his monthly payments to his account and it placed the loan in default. As he fought to straighten out the bookkeeping, even with canceled checks for proof, the servicer began adding additional fees for property inspections, insurance and other charges. That’s how the nightmare can begin and fighting foreclosure starts in many cases.
A New Hampshire judge, in 2005, agreed that the servicer’s “sleight of accounting resulted in improper assessments” against Mike and, citing a “predatory scheme of penalties,” barred the foreclosure and ordered that the loan be reinstated without penalties as of August 2005.
Fighting Foreclosure – Does It Ever End?
Understandably, Mike probably thought the fighting foreclosure battle would end.
Well kinda, 5 years later, Mike Dillon is still in court fighting to resolve the dispute. While he is no longer fighting foreclosure, he is still is trying to get clear title to his home. “I’ve got nine years of my life tied up in this case, and it’s done a lot of financial and emotional damage to me,” said Dillon. “This isn’t about money in the long run. This is about the principle of the issue — somebody tried to steal my house.”
Maybe this has happened to you or someone you know. I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage situation as a first step to getting you help in fighting foreclosure. Call (888) 819-6554 or fill out the Stop Foreclosure Help email form, I can help you find foreclosure answers
Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://www.msnbc.msn.com/id/39874969/ns/business-personal_finance/
Fighting Foreclosure – You Can Do What Mike Did – You can do it Yourself.
Filed under Avoid Foreclosure Help, do it yourself, fighting foreclosure, foreclosure answers by
October 30, 2010
US Foreclosures have increased across most of our large metropolitan areas.
According to RealtyTrac, the US foreclosures crisis has spread like a spider’s web [my words] across a larger area of our country.
According to my information, Wells Fargo will refile documents on 55,000 foreclosures after admitting there were technical mistakes.
US Foreclosures Crisis spreading
The worst affected areas according to RealtyTrac’s report are: California, Nevada, Florida and Arizona.
These states accounted for 19 of the top 20 metropolitan areas with the highest US foreclosures rates within the last 3 months.
This trend is the latest sign that the US foreclosures crisis is getting worse. Homeowners continue to fall behind on their mortgage payments because of high unemployment and slow job growth.
US Foreclosures – Wells Fargo
From what I can tell, the announcement from Wells Fargo that it was refiling thousands of foreclosure documents is an admission from the bank of possible problems in the way it repossesses homes.
Regarding US Foreclosures Wells Fargo released a statement on Thursday, that said it had identified “instances where a final step in its processes relating to the execution of the foreclosure affidavits… did not strictly adhere to the required procedures”.
US Foreclosures
Wells Fargo added that it has no plans to stop its foreclosure process but said the refiling may cause some delays. It seems that these uncaring institutions are bent on continuing their questionable practices and US Foreclosures are not slowing down.
Metropolitan top five US Foreclosures: 3rd Quarter 2010
Las Vegas, Nevada – 32,288
Cape Coral, Florida – 10,352
Modesto, California – 4,825
Stockton, California – 5,929
Merced, California – 2,072
Source: RealtyTrac
I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage situation as a first step to getting you help to stop foreclosure.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,
Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://www.bbc.co.uk/news/business-11646439
US Foreclosures on the rise – unfortunately.
Filed under US Foreclosures by
September 23, 2010
Foreclosure Fraud Again – Yep, you read it right!
Hey folks, guess what there’s foreclosure fraud again – the financial giants have figured out another way to profit from fraud. Yep, after destroying communities across America with shady subprime loans, the mortgage industry has launched a new assault on our nations neighborhoods with a new foreclosure fraud.
Foreclosure Fraud Again – How?
Well, big banks are now outsourcing their foreclosure processing to law firms with a history of breaking the law to make a quick buck. Reports are that these scammers backdate signatures, forge documents, charge thousands of dollars in illegal fees and even foreclose on borrowers who haven’t missed a payment. Like I said Foreclosure Fraud!
“Foreclosure mills,” as they are now known, have been around for years and they’ve become a huge problem as the mortgage crisis has worsened. It’s my understanding that Fannie Mae and Freddie Mac created a need for these beasts decades ago to help them process large volumes of foreclosures fast and cheap. Not long after big banks wanted in on the action, and Wells Fargo, Citigroup and Bank of America starting sending foreclosures to these lowlife Foreclosure Fraud law firms by the tons.
Foreclosure Fraud – Why?
Banks choose to outsource dirty work to these Foreclosure Fraud firms for a reason. It takes literally weeks to process the necessary legal paperwork to throw somebody out of their home. Cutting down the processing time can save a lot of money on legal bills. These Foreclosure Fraud mills cut costs by cutting corners. So, when they can’t gather the proper paperwork needed to kick families out of their homes, they simply fabricate it. Even worse, these Foreclosure Fraud firms illegally hold back documentation from borrowers looking to negotiate loan modifications with their banks. In effect, forcing borrowers out of their homes instead of allowing them to negotiate a deal with the bank. When borrowers actually do get things straightened out with these Foreclosure Fraud mills, the underhanded bankers slap them with huge illegal fees. Outrageous!!
If nobody holds anyone accountable, then anything goes: stealing, cheating, and lying, are very profitable. Well, don’t let this happen to you. Fight Back!! I have been helping people successfully ward off foreclosures and maybe I can help you too. I offer a Free No Obligation review of your mortgage documents. Don’t just rollover, give me a call and take a stand against Foreclosure Fraud.
I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage situation as a first step to getting you help to stop foreclosure.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,
Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://blogs.alternet.org/speakeasy/2010/08/05/foreclosure-mills-wall-streets-latest-fraud-scheme/
Like I said don’t just rollover, give me a call and take a stand against Foreclosure Fraud.
Filed under Foreclosure by
September 17, 2010
Loan Modification – Is It Worth Trying?
A year and half ago, the government launched a loan modification program to help homeowners. The federal government’s loan modification program is unfortunately not helping as many homeowne
rs facing foreclosure as hoped for.
Of the Phoenix area borrowers that hoped to lower their monthly payments through the Home Affordable Mortgage Program in April, over half, left the program by the end of July and they didn’t have their payments permanently lowered through the loan modification program.
Loan Modification – Good News
Good news is that some of these borrowers actually did receive help from other programs that were available; however, in my opinion, not nearly enough have been helped and way too many have lost and are still losing their homes.
Loan Modification – Bad News
Bad news is that far too many other homeowners were denied a permanent loan modification after making several months of “trial” payments and have lost their homes to foreclosure.
Some housing advocates have said that too many homeowners were strung along with a trial loan modification through the federal government’s program, known as HAMP, when the lender knew a foreclosure was not going to be avoided.
Lenders defend the trial loan modification, by saying they didn’t know all of the rules for the new federal program, so they placed a lot of homeowners in a temporary loan modification to help them avoid inevitable foreclosure. I guess it could be true they did not know the rules, but I doubt it, it’s their job to know the rules.
Now, it is quite possible a number of homeowners just didn’t meet the program’s complex and burdensome requirements, even though they had been approved for a trial loan modification.
Loan Modification – It’s Not Possible To Know -Yet
It’s impossible to know why so many homeowners were and still are being denied a permanent loan modification because lenders simply won’t comment on specific cases, and the Treasury Department hasn’t released a list of borrowers who had their trial loan modification canceled.
Don’t let this happen to you. I offer a Free – No Obligation Consultation And Audit of your mortgage situation.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form, Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://www.azcentral.com/12news/news/articles/2010/09/05/20100905loan-modification-program-phoenix.html
Loan modification – Do or DON’T?
Filed under loan modification by
August 27, 2010
MERS 62 Million Homes May Become Free and Clear Some Day!
Yep, it’s true it’s my understanding over 62 million homes are currently held in the name of MERS [Mortgage Electronic Registration System]. This is a system that was concocted by and for the benefit of the mortgage industry. A bankruptcy court in California recently ruled that this electronic shortcut makes it not possible for banks to prove and establish their ownership of property titles; therefore they can not foreclose on mortgaged properties and this decision was made following landmark cases in other jurisdictions.
More MERS 62 Million Homes Problems:
So logically speaking this could be the beginning of foreclosure-proof homes, an approx. whopping 62 million homes!
Bundling mortgages into securities were a favored type of investment of speculators at the height of the financial bubble which led to the crash of 2008. Oftentimes, the securities changed hands numerous times, and to top it off it seems the companies profiting from the mortgage payments were all to often not even the same parties that negotiated the loans with the consumers. May I add - it’s probably way over 62 Million Homes too.
Now, you guessed it, at the center of this disconnect was the Mortgage Electronic Registration System, or MERS. MERS is a company that acts as the mortgagee of record for lenders, which allows properties to change hands without the necessity of recording each transfer. That, in case you didn’t know, is a big 62 Million Homes of NO NO!
MERS a Bust with These 62 Million Homes on the Brink:
Oh sure, MERS was very convenient for the mortgage industry. However courts are now questioning the impact of all of this financial juggling when it comes to who owns the mortgages of the 62 million homes. And rightfully so. FYI: In order to foreclose on real property, the plaintiff must establish the chain of title thereby entitling it to relief. Yet, MERS has acknowledged, and recent cases have also held, that MERS is just a “nominee” — which means it’s an entity appointed by the true owner simply for the purpose of holding property in order to facilitate transactions. The great news is, that recent court opinions stress that this defect is not just a procedural one but is a substantive failure, one that is fatal to the plaintiff’s legal ability to foreclose on a possible 62 million homes.
What does this mean? It means that hordes of victims of predatory lending could end up owning their homes free and clear – and the financial industry could end up falling on their on sword.
Maybe you are one of the 62 million homes. I offer a Free – No Obligation Consultation And Audit of your mortgage situation.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form, Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://www.pacificfreepress.com/news/1/6877-foreclose-this-could-62-million-homes-be-foreclosure-proofq.html
Do you think you may be in one of the 62 million homes?
Filed under MERS 62 Million Homes by
August 11, 2010
BREAKING NEWS!
It has come to my attention that the Florida Attorney General’s office just announced they are conducting investigations into the state’s three biggest foreclosure law firms for allegations of deceptive and unfair actions.
These firms, which at times are called “foreclosure mills,” are the Tampa-based Shapiro & Fishman, Fort Lauderdale Law Offices of Marshall C. Watson and the Law Offices of David J. Stern, based in Plantation.
A lawsuit seeking class action status was filed by a Fort Lauderdale attorney against Stern just last month. The lawsuit is claiming this firm generated fraudulent mortgage assignments, basically falsifying foreclosure documents when they were pursuing foreclosures.
FYI: an assignment is held by the entity that has the right to receive mortgage payments.
The law of offices of David J. Sterne according to the lawsuit filed up to a whopping 7,000 foreclosure cases in Florida every month last year, presumably with fabricated foreclosure documents . As if that wasn’t bad enough, the lawsuit also alleges this firm pursued foreclosures for lenders that didn’t even own the debt on the homes.
According to records, Miami based attorney, Jeffrey Tew is representing the Stern law offices. According to Tew, Stern and his company have done nothing wrong
“This foreclosure crisis was not created by David Stern, but it is so huge and a lot of people are in very bad shape, so some of the finger-pointing goes to him,” attorney Tew said.
Mr Tew went on to say that portions of the lawsuit that claim Stern conspired to confuse ownership of homes is “fantastical”/fantasy.
Attorney General Bill McCollum’s office released a press release and it says due to the fact that many mortgages have been bought and sold by financial institutions numerous times, some vital foreclosure documents/paperwork involved in the process to obtain foreclosure judgments is oftentimes missing.
“On numerous occasions, allegedly fabricated documents have been presented to the courts in foreclosure actions to obtain final judgments against homeowners,” the press release states. “Thousands of final judgments of foreclosure against Florida homeowners may have been the result of the allegedly improper actions of the law firms under investigation.”
In June a judge, Circuit Court Judge Michael Traynor, dismissed a case because he said in his opinion the court “has been misled by the plaintiff from the beginning” and that documents “have changed as needed to benefit the plaintiff.”
Don’t let this happen to you! Get expert help to look over your loan and foreclosure docs.
Don’t think for a moment that these types of fraudulent activities are only going on with just three law firms in Florida. This type of activity is happening all over the county, just apparently on a much larger scale with these companies because of the larger amount of foreclosures they handle.
You can avoid foreclosure and get the foreclosure assistance and foreclosure help you need from an expert in foreclosure solutions.
I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage situation as a first step to getting you help to stop foreclosure.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,
Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://www.palmbeachpost.com/money/real-estate/state-probes-whether-three-law-firms-falsified-foreclosure-851395.html
Filed under Foreclosure Documents by
July 26, 2010
Unfortunately, last month more delinquent homeowners learned they didn’t qualify for President Obama’s foreclosure program.
New concerns regarding the U.S. housing market’s health and vibrancy have rightfully renewed interest in the success of President Obama’s foreclosure prevention programs. It has been wondered that an increase in foreclosures, combined with the current drop in housing sales, could once again send home prices plummeting. Raphael Bostic, according to cnnmoney.com, stated that the marketplace is still fragile.
Unfortunately, 91,118 people in trial modifications were canceled in June, which brings the total to 520,814, only about ten to twelve percent (10% – 12%), a drop in the bucket, of the near 5 million homes in foreclosure since the program first started early 2009.
More than 60% of those who dropped out last month had been in trials for at least half a year.
Homeowners that don’t submit the proper paperwork, don’t meet the qualifications or make the necessary payments are kicked out. It is my understanding that from now on the loan Servicers before entering the homeowner in the program will collect needed documents and review the homeowners’ eligibility.
Once the homeowner trials are canceled, less than half of homeowners do get an alternate modification, and many times from their loan Servicer.
There are only 364,077 homeowners that remain in the trial phase, and approx 38,728 of that figure are homeowners that entered the program in June.
You don’t necessarily have to be one of the thousands that have lost their home to foreclosure. I have helped many homeowners stay in their homes and avoid foreclosure, and I may be able to help you too.
I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage situation.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,
Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://money.cnn.com/2010/07/20/news/economy/foreclosure_prevention/?postversion=2010072014
Filed under loan modification by
July 22, 2010
According to two Republican Congressmen, President Barack Obama’s plan to help homeowners avoid foreclosure is a failure.
According to a resource, Rep. Jim Jordan, R-Ohio and Rep. Darrell Issa, R-Calif communicated to Treasury Secretary Timothy Geitner a letter, which was sent not too long ago, telling him to “end immediately” the Home Affordable Modification Program known as HAMP.
Since Pres. Obama announced the program in Mesa in February 2009, [over 1 year ago] only 340,000 homeowners have had their mortgage loans permanently modified through the program.
President Obama said 3 million to 4 million homeowners would be helped by the program.
Did you know that even homeowners who are granted long-term modifications often still end up in foreclosure? “Why”, you ask? Well, because in many cases the payments are still simply too high for them to afford.
People have said we are simply in a death spiral, but in lots of cases it doesn’t have to be that way. I offer a free audit of your mortgage documents and may be able to help you avoid foreclosure long-term. Just give me a call to discuss your particular circumstance, I will be happy to see if I can help you just like I have helped other homeowners fight foreclosure.
I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage situation.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,
Click Here —>> http://help-to-stop-foreclosure.net/
Resources:
http://www.kpho.com/news/24205219/detail.html
Filed under Avoid Foreclosure Help, loan modification by
July 16, 2010
Home foreclosures are unfortunately still a serious problem in our country. Though, foreclosure rates are down in areas such as Atlanta, that’s not the case in most of America. Each month, there are thousands of foreclosures in newspapers across the country and many predict the numbers will stay the same for some time to come.
Many attorneys that handle foreclosures are saying that they think what we’re seeing now will continue and foreclosures will continue on a steady pace.
There are alternatives to a foreclosure, one being something called a short sale; however not everyone qualifies. You see, it’s very costly for a bank to foreclose a home, then put it back on the market, and in many cases have to repair the house prior to placing it on the market.
Another alternative is to fight your foreclosure. I have successfully helped many of my homeowners stop the auction of their home by their banks and remain in their homes. I offer a free preliminary audit of your mortgage documents to see if I can help. I lost my home to foreclosure years ago and decided then and there to never let that happen again and to help anyone I can to avoid the same.
I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage situation.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,
Click Here —>> http://help-to-stop-foreclosure.net/
Resource:
http://www.walb.com/Global/story.asp?S=12792338
Filed under avoid foreclosure, foreclosure assistance by
June 29, 2010
When a homeowner fails to repay their debt in full and defaults on their mortgage a foreclosure takes place. The lending institution will sell the property to repay the debt to make up for the loss on their books. The cause for foreclosures vary and in today’s financial crisis, some of the main causes of foreclosure is income reduction due to job loss, ridiculously high credit card bills and the list as you know goes on.
There are key elements that make up a foreclosure and the foreclosure process. One of the keys to keep in mind about the foreclosure process is the fact that time-lines and/or requirements that mortgage lenders must follow are different in each state. Therefore, a foreclosure may take as long as 3 years in one state but only three months in another to wrap up the foreclosure process. Not to mention that currently mortgage lenders are over burdened with foreclosures and this too will have an effect on how long the foreclosure process will take.
There are options, and understanding how a foreclosure process works will greatly help you in any situation that has to do with the foreclosure of your property or home.
If you are facing the same tragedy that too many others have gone through, please give me a call because I have helped many families avoid foreclosure and maybe I can help you too.
I offer a Free – No Obligation Consultation And Audit of your mortgage situation.
Call (888) 819-6554 or fill out the Stop Foreclosure Help email form, Click Here —>> http://help-to-stop-foreclosure.net/
Filed under Avoid Foreclosure Help by
March 3, 2010
Accordning to Mercury News and writers Tracey Kaplan and Maria J. Ávila López “Increasing numbers of Californians are suing lenders to avoid foreclosures”
Statewide Federal Court Filing in California to stop foreclosure by homeowners has risen from 29 in 2005 to 1,395 in 2009, per PACER.
Like Californians people all over the country are finding out that they can fight back to keep their home
You Can too!
To get help to stop your foreclosure go to:
http://help-to-stop-foreclosure.net/wp-content/stop-foreclosure-fast-form.html
Filed under avoid foreclosure by
December 9, 2008
Help To Stop Foreclosure is introducing new foreclosure resources, video podcasts. This new member of the sites foreclosure solutions arsenal of resources will include foreclosure help and assistance through foreclosure videos and foreclosure podcasts. The first foreclosure video podcast has been added.
This first and new foreclosure podcast covers a fantastic tips and secret that you can learn more about in the in the new eBook to help you stop your foreclosure. The first podcast tip can help you void your mortgage and bring the lender/bank back to the negotiating and bargaining table. It can help you avoid and prevent foreclosure and keep your home and property.
Help To Stop Foreclosure is the place you can find many different areas of discussion on how to stop foreclosure, from TILA, RESPA and HOEPA to Bailout and Notary violations and fraud issues.
Check out the foreclosure video podcast and stay tuned/subscribe for many more.
Click here for the latest foreclosure podcast.
Click here for the first podcast.
Filed under avoid foreclosure, bailout, ebook, foreclosed homes, Foreclosure, foreclosure assistance, foreclosure bailout, foreclosure help, foreclosure podcasts, foreclosure resources, foreclosure solutions-1, foreclosure tips secrets, foreclosure video, foreclosure videos, foreclousure podcast, help to stop foreclosure, stop foreclosure, Stop Foreclosure Secrets, tips and secrets, truth in lending, video podcast by
December 6, 2008
The New Experts Stop Foreclosure Solutions Resources
Info, Tips and Secrets Video Podcast
This Edition’s Topic Notary Violations
Welcome to this first edition of the Stop Foreclosure Solutions Resources Info, Tips and Secrets Video Podcast.
In this brief video clip you will see a notary violation that in many if not all states can cause your mortgage loan instruments to be void and bring the lender foreclosing back to the bargaining table to remedy the situation and stop foreclosure. You or a loved one can get the foreclosure help and foreclosure assistance needed that could stop foreclosure fast by taking advantage of this resource and the many other Resources here at Help To Stop Foreclosure dot Net and dot Com.
To Subscribe CLick on of the Video Podcast Feed URL below:
Podcast Feed URLs http://help-to-stop-foreclosure.net/?feed=podcast&format=experts-help-stop-foreclosure-solutions
View Video Podcast Below:
Filed under foreclosure podcasts, foreclosure video, foreclousure podcast by
November 24, 2008
Help To stop foreclosure has two members of it’s list of resources to help you stop foreclosure.
The two newest additions to the Help To Stop Foreclosure resources are the Help Desk and the Frequently Asked Questions FAQ’s. Check them out today to get some the assistance you need to prevent or avoid foreclosure on your property.
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November 4, 2008
It is Here! The Help To Stop Foreclosure New “Stop Foreclosure Solutions” EBook is here. It features the Top Ways Experts Use to Stop Foreclosure and the best common sense approaches. Get help to Avoid Foreclosure. The foreclosure solutions help you need is now easy to afford! Find out about the Foreclosure Bailout available for homeowners in need of stopping foreclosure and how to make it work for you. Yes now, Foreclosure Expert help and assistance is here and at a very very affordable price tag. Foreclosure help can be yours now – Please Order Today!
October 28, 2008
Mortgage Foreclosure: Foreclosure Help with Real Bank Foreclosure Answers and Solutions that can Stop Foreclosure Problems!
We give Assistance to homeowners in Foreclosure Homes to Stop the Lender/Creditor/Banker from taking their House and their Home being Foreclosed on. We can Help foreclosure victims like You Avoid Foreclosures and Stop Your Home from being put in the Foreclosed Home/Foreclosed Property Listings! Get Foreclosure Expert Help Today!
Foreclosure problems abound today! It is all over the news on TV, radio and newspapers. Foreclosure answers and solutions are a dime a dozen ranging from super costly 300 and 700 billions bailouts that seemingly never cover the circumstances and situations that most foreclosure victims are in to expensive out of reach attorney assistance that again do most no good simply because they cannot afford it.
Well now, there is real and expert help that is available and affordable for everyone. The Help To Stop Foreclosure Programs and New EBook coming out is within the reach of everyone and help just about anyone stop a foreclosure.
Foreclosure is a terrible thing. Homeowners living in bank foreclosure homes right now are looking for a way to keep their homes. They need foreclosure solutions that can save their home and credit. People need foreclosure answers that can help stop foreclosure problems they are having right now! Don’t let your home be foreclosed on. Get help to stop the lender from taking your house and property. Let me give you assistance today! It is possible for people to avoid foreclosures and keep their homes off the foreclosed home and foreclosed property listings. Contact me today!
October 25, 2008
Help To Stop Foreclosure is featuring a new Foreclosure Solutions EBook soon. The EBook will contain great answers, solutions, tips and secrets to help avoid and/or stop foreclosure. The Ebook will be a very affordable way to get help you need to stop foreclosure and will come with a free whole hour of expert consultations. So if you have foreclosure problems and a need for assistance to stop foreclosure you need to get this new resource as soon as you can.
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