Reclaim Your Property Initiative Foreclosure Solutions

Have you lost your home to a foreclosure judgment and waiting for a sale, or lost it at sale already and waiting for eviction, or went through an eviction process and/or otherwise have left your home?

There may be hope yet to fight and save your home. Join the Reclaim Your Property Initiative by signing up with one of the Help To Stop Foreclosure Plans A, B or C and get the expert input you need to help you recover and reclaim your home asap.

There are millions of people that have lost their homes many of which may have beat the bank and kept there home if the banker is found entering the mortgage/deed of trust contract with unclean hands. Equitable relief to stop or overturn the foreclosure due to the banker’s unclean hands can be available for those that pursue it.

Click here for more information about foreclosure stopping –> foreclosure solutions that can help you to recover and reclaim your home and the Help To Stop foreclosure plans or to ask a question today!

Mortgage Loan Modification

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 —>>


Mortgage Loan Modification – Are You On That Merry-Go-Round?Mortgage Loan Modification

Foreclosure Crisis

Foreclosure crisis: Federal Bailout Oversight Panel Raises Alarms

During a recent hearing members of a congressional panel responsible for monitoring the government’s bailout programs gave alarm and frustration over the possible repercussions of the home foreclosure crisis.

This hearing conducted by the bipartisan Congressional Oversight Panel was initially to examine the Treasury Department’s foreclosure prevention programs designed to help the foreclosure crisis. But panelists actually focused much of their attention on the fact that some of the nation’s largest mortgage Servicers regularly submitted faulty and fraudulent foreclosure paperwork.

Foreclosure CrisisSadly, the foreclosure crisis continues to rise.

Sen. Ted Kaufman (D-Del.), the panel’s austere chairman said in opening remarks that the problems “are already undermining investor and homeowner confidence in the mortgage market, and they threaten to undermine Americans’  fundamental faith in due process.”

Foreclosure Crisis: Uproar

Recent month’s revelations caused lenders such as Bank of America, Ally Financial and J.P. Morgan Chase to stop foreclosures temporarily and giving some hope that the foreclosure crisis was slowing. The uproar also has triggered numerous state and federal investigations, which led more homeowners to challenge the legitimacy of their foreclosures and prompted large investors to threaten lawsuits and insist that big banks purchase back failing loans during this foreclosure crisis.

The head of the Treasury Department’s  homeownership preservation office, Phyllis Caldwell, at the hearing called the behavior of the mortgage servicers “unacceptable.” Agency officials, she said, are examining the possible fallout and have insisted that Servicers follow the law.  “We’re looking at the situation very, very closely,” Caldwell told the panel members. “At this point in time, there is no evidence that there is a systemic risk to the financial system.”

Foreclosure Crisis: Skeptical Members

However, some members of the panel appeared skeptical, noting that if lawsuits from large investors grows, big banks could lose billions. “It is not a plausible position that there is no systemic risk here,” said panel member Damon Silvers, director of policy and special counsel to the AFL-CIO.

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 during this foreclosure crisis.

Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,

Click Here —>>


Foreclosure Crisis – what’s next?

Bank of America and Foreclosure Freeze

Bank Of America – Foreclosure Review

Over a month ago Bank of America declared a foreclosure review that would give customers confidence that they were being treated fairly. However, there are a lot of questions yet to be answered.

America’s largest bank, B of A, put a freeze on foreclosure sales in 23 states last month and then broadened the freeze to nationwide a few days later. The bank continues to review its process stated Rick Simon a spokesperson from Bank of America.

Bank of America said it is going over their procedures and individual cases, and has admitted that it has changed some practices as a result.

Bank of America – Lack of Disclosure

However, there are a number of things Bank of America has not disclosed:  B of A hasn’t released what changes have been made.  B of A has been vague concerning the number of foreclosure files it has reviewed, the number of errors and the types of mistakes it has found, and not to mention, how long it may take to finish the process.  Needless to say, Bank of America, hasn’t even addressed if foreclosures thus far have even been legal.

Bank of America – Details MatterBank of America

These ‘little’ details actually do matter because Bank of America’s reach is so wide.   A minimum of three times over the past month, B of A has stated in public statements that “the basis for our foreclosure decisions is accurate.”

Simon says that statement is founded upon a review of customer’s financial details, such as borrowers’ payment history and how much debt they have. Bank of America stresses that borrowers who are not behind on their loans aren’t getting tossed out. By Bank of America’s assessment a third of the properties foreclosed on and sold in the third quarter were empty, and the homeowners were on average behind on monthly mortgage payments by eighteen months.

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 —>>


Do you have a Bank of America loan?

Foreclosure Solutions – Whats Happening for 2010-09-01

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  • Mortgage Loan Foreclosure reduces Home Sale Price by 27 Percent Digital News ReportDigital News Report – According to e.. #

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Foreclosure Solutions – Whats Happening for 2010-08-17

  • Alico Announces Signing of Foreclosure Agreement LA BELLE, Fla., Jul 23, 2010 (GlobeNewswire via COMTEX) — Alico, Inc… #
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  • Avoiding Foreclosure: Declaring Bankruptcy Sometimes Helps By Dalia Fahmy Jul 23rd 2010 @ 5:03PM It's sad but true. Ame.. #
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  • Different Types and Process of Foreclosure Auction | – Different Types and Process of F.. #

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Foreclosure Solutions – Whats Happening for 2010-08-12

  • Foreclosure programs struggling to help | | The … Southeastern Michigan set a foreclosure record for the .. #
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  • Mary Esther Florida Home For Sale- Short Sale | Desitn Real Estate … 400 Shrewsbury Rd., Mary Esther, FL 32569 Wendy .. #
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  • Foreclosure Program Struggles As Homeowners Drop Out iNews ConnectObama's foreclosure program is struggling to succeed .. #
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  • Foreclosure Process Mortgage Forum LoanSafeorg The foreclosure process varies in every state and it's imperative that h.. #
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  • Anti-Foreclosure Program Still Losing Homeowners By JESSICA HOLZER WASHINGTON—The federal government's foreclosure-prev.. #
  • Foreclosure Rescues: Cancellations Outpacing Approvals in HAMP eCreditDaily.comThe government's foreclosure rescue prog.. #
  • Short sale fraud FRESNO, Calif. (KFSN) — As the economy forces more and more people out of their homes, scam artists a.. #
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  • Bankruptcy can save your house from foreclosure By Les Christie, staff writerJuly 21, 2010: 3:51 AM ET NEW YORK (CNNMon.. #

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Foreclosure Solutions – Whats Happening for 2010-08-09

  • Family Pets Also Victimized by Foreclosure Crisis AOL News(July 18) — Abandoned pets may be one of the less-visible ra.. #
  • Government Loan Modification Program Saves Homes From Foreclosure Digital News Report (blog)Digital News Report – Homeo.. #
  • Norwich info session set for homeowners at risk of foreclosure By Anonymous The Norwich Dioceses of Catholic Charities .. #
  • A Springfield banker is facing foreclosure. By KSPR News Springfield's former bachelor and entrepreneur Aaron Buerge sa.. #
  • Foreclosure programs struggling to help home owners Southeastern Michigan set a foreclosure record for the first half o.. #
  • Kane courts considering alternatives to foreclosure By CINDY WOJDYLA CAIN AND MATT HANLEY Staff Writers Many of the Kan.. #
  • Foreclosure court handles mighty backlog By Anthony Colarossi, Orlando Sentinel The 11 t h floor of the Orange County C.. #
  • News Ezines Congress's Future Plans Speaks Volumes of the … Congress has been working on new legislation that is des.. #
  • Cautious Pricing Will Benefit The Short Sale Specialist By Chandler Man on 06/19/2010 – 12:01 pm PDTLeave a Comment Yes.. #
  • Government Help To Stop Foreclosure Many advocates hold there needs to be an enlarge in supervision good to stop forecl.. #
  • Why a Foreclosure Defense Attorney is So Important – seanswire's blog Why a Foreclosure Defense Attorney is So Importan.. #
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  • Foreclosure Listings: – Unique opportunity to have a property Many people are not familiar with the term foreclosure li.. #

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Foreclosure Solutions – Whats Happening for 2010-06-21

  • NC lawmakers still see home foreclosure as crisis AP RALEIGH, NC — A proposal in the North Carolina legislature would .. #
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  • Woman fighting bank to keep home out of foreclosure after husband dies KSL-TV By Alex Cabrero SOUTH JORDAN — Close to .. #
  • Foreclosure help often a scam By Samantha Sommer, Staff Writer 6:03 PM Wednesday, June 9, 2010 SPRINGFIELD — Richard Ew.. #
  • What is a Short Sale? Whom Should I Hire To Negotiate a Short Sale … What is a Short Sale? Whom Should I Hire To Nego.. #
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  • US Foreclosure Filings Down 3% In May; Bank Repos At Record US foreclosure filings fell 3% in May from a month earlier,.. #
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  • Wake's Blue aims to expand North Carolina's foreclosure prevention progra Triangle Business Journal A bill aiming to ex.. #
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  • May foreclosure rate steadies as banks hold back WASHINGTON — The foreclosure crisis appears to be leveling off. The nu.. #
  • May foreclosure rate steadies as banks hold back Yahoo News The foreclosure crisis appears to be leveling off. news.yah.. #
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  • Freddie Mac Releases New “Definitions” For Short Sale Fraud … #
  • Skrepenak Dallas property listed for foreclosure sale Wilkes Barre Times-Leader By Jennifer Learn-Andes jandes@timeslea.. #
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