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 —>>  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?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 —>>  http://help-to-stop-foreclosure.net/

Resources:

http://www.washingtonpost.com/wp-dyn/content/article/2010/10/27/AR2010102705228.html?sid=ST2010102705416

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 —>>  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 Bank of America loan?

Foreclosure Solutions – Whats Happening for 2010-09-01

  • Foreclosure Process Shows Mortgage Lending Isn't The Only Problem By Ilyce Glink | Aug 4, 2010 | Some might say yes, bu.. http://dld.bz/qwUf #
  • Freddie and Fannie's Dallas Foreclosure Mill Andy Kroll at Mother Jones details the millions being made by select law f.. http://dld.bz/qwSq #
  • Superman Comic Discovery Prevents Family's Foreclosure By Jason Boog on Aug 04, 2010 01:23 PM In a cheery news report, .. http://dld.bz/qwSp #
  • EXCLUSIVE Fannie and Freddie's Foreclosure Barons | Mother Jones How the federal housing agencies—and some of the bigge.. http://dld.bz/qxKB #
  • Pennsylvania foreclosure rates largely result of unemployment and medical expenses Credit.com NewsBy Credit.com Staff T.. http://dld.bz/qyqv #
  • Mortgage Loan Foreclosure reduces Home Sale Price by 27 Percent Digital News ReportDigital News Report – According to e.. http://dld.bz/qyqu #

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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… http://dld.bz/n2uq #
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  • Avoiding Foreclosure: Declaring Bankruptcy Sometimes Helps By Dalia Fahmy Jul 23rd 2010 @ 5:03PM It's sad but true. Ame.. http://dld.bz/n2Hf #
  • The Bellingham Herald / Election News / Fact Check: Is Rossi a … A Web video produced by state Democrats accuses Dino.. http://dld.bz/n3xk #
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  • The Pre-Foreclosure Property Investor's Kit: How to Make Money … ISBN13: 9780471692799Condition: NewNotes: BUY WITH C.. http://dld.bz/n3xh #
  • Mortgage Foreclosure Prevention Programs From Top Mortgage Lenders–Can … By Edward McCray Foreclosure prevention prog.. http://dld.bz/n34d #
  • Foreclosure vs. short sale -the pros and cons By Kimberly Miller With today's reduced property values and increased une.. http://dld.bz/n34c #
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  • Saving Your Home From Foreclosure: The HAMP Program The federal government's Home Affordable Modification Program (HAMP.. http://dld.bz/n49n #
  • Foreclosure workshop set for homeowners Homeowners seeking to avoid foreclosure and first-time homebuyers are invited t.. http://dld.bz/n49m #
  • Nearly a third of lenders no-shows for foreclosure mediations By Cy Ryan (contact) CARSON CITY — Assembly Speaker Barba.. http://dld.bz/n5dP #
  • Homeowners Use Airbnb's RoomRenting Site to Dodge Foreclosure … Nichelle Morant was on the verge of losing her three-.. http://dld.bz/n5jC #
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Foreclosure Solutions – Whats Happening for 2010-08-12

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  • Get Your Mesa Foreclosure What happens when I can't pay my mortgage? Can I just give the house back to the bank? Will m.. http://dld.bz/ndpQ #
  • Strategic Foreclosure: Is it Right for You? – CBS MoneyWatch.com Jill Schlesinger explains the rationale behind walking.. http://dld.bz/ndpP #
  • Is there a foreclosure date in the works for one of your listings? How to check whether a foreclosure is in the works. .. http://dld.bz/ndpN #
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  • Relief Effort Fails Many at Risk of Foreclosure AP By ALAN ZIBEL AP Real Estate Writer In this July 14, 2010 photo, a m.. http://dld.bz/nd7c #
  • Notice of foreclosure leads to explosion, house fire and street closure in SW Reno Authorities are responding to an exp.. http://dld.bz/nd7b #
  • Mary Esther Florida Home For Sale- Short Sale | Desitn Real Estate … 400 Shrewsbury Rd., Mary Esther, FL 32569 Wendy .. http://dld.bz/hATD #
  • Cuccinelli sues two Beach-based foreclosure rescue firms By Cindy Clayton Virginia Attorney General Ken Cuccinelli says.. http://dld.bz/nd7a #
  • Foreclosure Program Struggles As Homeowners Drop Out iNews ConnectObama's foreclosure program is struggling to succeed .. http://dld.bz/ndWF #
  • Relief effort fails many at risk of foreclosure WASHINGTON — The Obama administration's effort to help those at risk of.. http://dld.bz/ndWE #
  • Foreclosure Process Mortgage Forum LoanSafeorg The foreclosure process varies in every state and it's imperative that h.. http://dld.bz/nefE #
  • Sputtering Obama Foreclosure Program May Threaten Recovery The number of new homeowners entering the Obama administrati.. http://dld.bz/ne36 #
  • Admiral Bay Resources, Inc. Announces Closing of Foreclosure Action Filed by … CENTENNIAL, COLORADO, Jul 20, 2010 (MA.. http://dld.bz/nePE #
  • Anti-Foreclosure Program Still Losing Homeowners By JESSICA HOLZER WASHINGTON—The federal government's foreclosure-prev.. http://dld.bz/nfnC #
  • Foreclosure Rescues: Cancellations Outpacing Approvals in HAMP eCreditDaily.comThe government's foreclosure rescue prog.. http://dld.bz/nfnB #
  • Short sale fraud FRESNO, Calif. (KFSN) — As the economy forces more and more people out of their homes, scam artists a.. http://dld.bz/hBam #
  • OUR VIEW: The lesson from foreclosure crisis is seek help early The good news is that Lorain County's foreclosure rate .. http://dld.bz/nfHP #
  • Bankruptcy can save your house from foreclosure By Les Christie, staff writerJuly 21, 2010: 3:51 AM ET NEW YORK (CNNMon.. http://dld.bz/ngsy #

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Foreclosure Solutions – Whats Happening for 2010-08-09

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  • Norwich info session set for homeowners at risk of foreclosure By Anonymous The Norwich Dioceses of Catholic Charities .. http://dld.bz/mQx6 #
  • A Springfield banker is facing foreclosure. By KSPR News Springfield's former bachelor and entrepreneur Aaron Buerge sa.. http://dld.bz/mQGs #
  • Foreclosure programs struggling to help home owners Southeastern Michigan set a foreclosure record for the first half o.. http://dld.bz/mQGr #
  • Kane courts considering alternatives to foreclosure By CINDY WOJDYLA CAIN AND MATT HANLEY Staff Writers Many of the Kan.. http://dld.bz/mQGq #
  • Foreclosure court handles mighty backlog By Anthony Colarossi, Orlando Sentinel The 11 t h floor of the Orange County C.. http://dld.bz/mQGp #
  • News Ezines Congress's Future Plans Speaks Volumes of the … Congress has been working on new legislation that is des.. http://dld.bz/mQNp #
  • Cautious Pricing Will Benefit The Short Sale Specialist By Chandler Man on 06/19/2010 – 12:01 pm PDTLeave a Comment Yes.. http://dld.bz/hATK #
  • Government Help To Stop Foreclosure Many advocates hold there needs to be an enlarge in supervision good to stop forecl.. http://dld.bz/mQNn #
  • Why a Foreclosure Defense Attorney is So Important – seanswire's blog Why a Foreclosure Defense Attorney is So Importan.. http://dld.bz/mQNm #
  • Bankruptcy Can Stop Foreclosure : Wall Street Stocks | New York … In the course to avoid foreclosures, Bankruptcy can.. http://dld.bz/mQNk #
  • FBI finds another case of Foreclosure Fraud :: Florida Estate … FBI finds another case of Foreclosure Fraud :: Florid.. http://dld.bz/mQNj #
  • 1.65 Million Properties Receive Foreclosure Filings in First Half … A total of 1.96 million foreclosure filings were .. http://dld.bz/mSCE #
  • Desperate housewife on verge of foreclosure Boston GlobeFrom left: Kandyse McClure, Chelah Horsdal, Cybill Shepherd (ba.. http://dld.bz/mSMM #
  • Pines uses foreclosure as leverage By Charlene Sharpe • Staff Writer • July 19, 2010 OCEAN PINES — The Ocean Pines Ass.. http://dld.bz/mSMg #
  • Property foreclosure filings in US down slightly in the first half of 2010 Property foreclosure filings in the US dropp.. http://dld.bz/mSMf #
  • New rule expedites answers to short sale requests … New rule regarding short sales requires the lender to reply withi.. http://dld.bz/hATJ #
  • Foreclosure leads to protracted battle over home ownership By Bill Kirk bkirk@eagletribune.com METHUEN — For Edward Rau.. http://dld.bz/mTtD #
  • Foreclosure Listings: – Unique opportunity to have a property Many people are not familiar with the term foreclosure li.. http://dld.bz/mTtC #

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Help To Stop Foreclosure Network is On Google Buzz

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Find out What you need to know about recent events and news on foreclosure by following Help to Stop Foreclosure on Google Buzz.

Check out the profile and Buzz updates on the following Google Buzz website for Help To Stop Foreclosure.

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In addition, if you need some fast help to stop a foreclosure Call (888) 819-6554 or fill out the Stop Foreclosure Help email form, Click Here —>> http://help-to-stop-foreclosure.net/

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 .. http://dld.bz/g49n #
  • Md. foreclosure filings spike in May Maryland foreclosure filings jumped 65 percent in May from last year, pushing the .. http://dld.bz/g49m #
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  • Beware Phony Foreclosure Aid 'Loan modification scams are reaching epidemic proportions across the nation,' said Thomas.. http://dld.bz/g4SE #
  • The Forgotten Foreclosure Crisis | Netroots Nation In 2008 and 2009, nearly two million American families lost their ho.. http://dld.bz/g4SD #
  • Woman fighting bank to keep home out of foreclosure after husband dies KSL-TV By Alex Cabrero SOUTH JORDAN — Close to .. http://dld.bz/g4Xh #
  • Foreclosure help often a scam By Samantha Sommer, Staff Writer 6:03 PM Wednesday, June 9, 2010 SPRINGFIELD — Richard Ew.. http://dld.bz/g4Xg #
  • 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.. http://dld.bz/grCC #
  • Foreclosure filings up 50 percent over last year By Veronica Chufo, vchufo@dailypress.com | 757-247-4741 At 1 pm on a h.. http://dld.bz/g4Xf #
  • US Foreclosure Filings Down 3% In May; Bank Repos At Record US foreclosure filings fell 3% in May from a month earlier,.. http://dld.bz/g5xQ #
  • Oregon 16th for residential foreclosure in May Oregon ranked 16th in the nation in May for residential foreclosure acti.. http://dld.bz/g5xP #
  • Wake's Blue aims to expand North Carolina's foreclosure prevention progra Triangle Business Journal A bill aiming to ex.. http://dld.bz/g5xN #
  • Skrepenak Dallas property listed for foreclosure sale A Dallas property owned by former Luzerne County commissioner Gre.. http://dld.bz/g5xM #
  • May foreclosure rate steadies as banks hold back WASHINGTON — The foreclosure crisis appears to be leveling off. The nu.. http://dld.bz/g5xK #
  • May foreclosure rate steadies as banks hold back Yahoo News The foreclosure crisis appears to be leveling off. news.yah.. http://dld.bz/g5Hc #
  • In brief: Foreclosure rate appears to level RealtyTrac Inc. reported today that nearly 323000 households, or one in eve.. http://dld.bz/g5Hb #
  • Freddie Mac Releases New “Definitions” For Short Sale Fraud … http://bit.ly/9VsjWT.. http://dld.bz/grCB #
  • Skrepenak Dallas property listed for foreclosure sale Wilkes Barre Times-Leader By Jennifer Learn-Andes jandes@timeslea.. http://dld.bz/g5Ha #
  • ST. CROIX COUNTY NOTICE OF FORECLOSURE SALE TERMS: Pursuant to said judgment, 10% of the successful bid must be paid to.. http://dld.bz/g5GZ #

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