Americas Watchdog & its Homeowners Consumer Center are offering important tips for all US homeowners to survive the mortgage meltdown and other very useful information about being a smart homeowner in 2008. According to the group, “the worst is yet to come so homeowners need to be very smart with respect to the choices they make in 2008″.

Americas Watchdog and its Homeowners Consumer Center are the premier consumer advocates for homeowners in the United States. The Homeowners Consumer Center is one of the best known homeowners advice, or homeowners information resources in the United States. The Homeowner Consumer Center has just released its top seven list for smart homeowners wishing to survive the 2008 real estate disaster, along with some hard cold truths about the future of the US real estate markets. As follow:

1. Home prices will continue to fall in the US. Americas Watchdog’s National Mortgage Complaint Center expects a 10% decrease in 2008 and at least a 10% decrease in 2009. According to the Federal Reserve, currently 1 out of 7 US homeowners owes more on their home than it is worth. Americas Watchdog expects that by mid 2009 1 out of 5 US homeowners will owe more on their home than it is worth. This is because with 2 million expected foreclosures in 2008, banks are slashing home prices by as much as 40%, to get rid of the property. Americas Watchdog says, “dramatic sales price reductions by banks has the affect of creating new comparable home sales data for a neighborhood, and by doing so the value of all homes in a neighborhood is decreased. The National Mortgage Complaint Center’s web site is located at Http://NationalMortgageComplaintCenter.Com

2. Potential homeowners or real estate investors should be extremely wary of real estate auctions or foreclosure events according to the Homeowners Consumer Center. The group says, “why buy a house in 2008 that will be worth 15% less in late 2009″.

3. If a homeowner is currently more than 10% upside down on the value of their home related to their loan amount, they should consider contacting their attorney about going deed in lieu of foreclosure (simply walking away from the home), or doing a short sale (where the bank accepts whatever price the borrower can get for the house). According to the National Mortgage complaint center, why continue to make payments on a mortgage, that is greater than the homes value?”

4. If a homeowner intends to stay in their home, they should gather recent home sales information in their neighborhood, and appeal their county property taxes. US real estate values are down at least 15% to 25% in almost every major US real estate market. Why pay a higher property tax bill than required?

5. All US homeowners who intend to stay in their homes need to update their homeowners insurance policy. Six months ago the Homeowners Consumer Center completed a study where it was discovered that less than 5% of all US homeowners have updated their homeowners insurance policy. Americas Watchdog used to be based in New Orleans, before, during and after Hurricane Katrina. The group is begging all US homeowners to do the following:

• If a homeowner lives in an area that could flood or be impacted by a hurricane, get flood insurance & flood insurance contents coverage (All states along the Atlantic & Gulf Coast)
• If a homeowner has not updated their homeowners insurance in at least two years, they should invite their insurance agent to come by their home & make a list that includes all home electronics, jewelry, home improvements, etc. Have the agent verify in writing the additional items covered.
• All homeowners insurance policies should include loss of use insurance, in the event the home floods, or has a fire. Loss of use will provide rental assistance to a homeowner if their home is undergoing repair work rendering it unsafe to occupy.

6. Americas Watchdog is still demanding that Congress do away with the worst case of mortgage fraud in US history, where banks and mortgage bankers are allowed to get a huge kick back called a “yield spread premium” with no disclosure to the consumer. According to the group, “mortgage brokers are required to disclose this kick back, but banks and mortgage bankers have no such requirement even they get this huge kick back too”. Americas Watchdog estimates that 50 million US homeowners pay a higher monthly mortgage payment than they should have received, because a mortgage banker or bank received a huge hidden kickback for increasing the borrowers interest rate/monthly mortgage payment, with no requirement to disclose it to a unsuspecting consumer. All US homeowners should write their Congress Person & US Senator & demand this double standard be changed. All US Presidential candidates should have to explain this double standard to the voters.

7. Americas Watchdog’s Homeowners Consumer Center is encouraging all US homeowners to review their free mortgage guide. The 20 page guide was designed to assist all US homeowners understand the mortgage process and the tricks of banks and mortgage lenders related to mortgages. The free mortgage guide is located on the Homeowners Consumer Center’s resource page. The Homeowners Consumer Centers web site is located at Http://HomeownersConsumerCenter.Com

Americas Watchdog thinks this is vital information for all US homeowners or potential homeowners. The group asks that readers of this press release forward it onto friends, co-workers and family members.

Americas Watchdog & its Homeowner Consumer Center are all about truthful Homeowners advice, consumer protection and corporate fair play.

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Posted On: Washington, DC April 2, 2008

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Millions of Americans are faced with the possibility of foreclosure yet do not realize they have definite and reliable options to save their home. A nationally renowned Short Sale expert offers 5 concrete tips that could help save one’s time, credit and home.

Millions of Americans are faced with the possibility of foreclosure yet do not realize they have definite and reliable options to save their home. Short sales expert, Eli Tene is working to inform distressed property owners of these viable alternatives, the foremost being a short sale transaction.

“We have seen a wave of 100% financing, refinancing and cashing out beyond the real affordability level of the buyer in the last few years,” said Tene, CEO of I Short Sale Inc. “Buyers are taking cash out of their properties as casually as if they were making an ATM withdrawal.” Tene explains that, unfortunately for the buyer, payday comes at a time when they are least prepared for it. “Mortgages used to be up to 25% of your total income. We now see in many cases that the mortgage is 60, 70 and 80% of the buyer’s total income. There is no way to survive it. Any slight change in your life or income immediately affects your ability to pay,” says Tene.

I Short Sale Inc. has seen a dramatic increase in distressed property owners opting for a short sale rather than letting their home go into foreclosure. The real estate market is just now “catching on” to this wave of alternative and creative financing options; however, Tene has been facilitating short sales for over 16 years.

Most property owners who find themselves unable to pay their mortgage still have opportunities to preserve their home and protect their credit. Tene offers five tips that could save your home:

1.    Talk to your lender as soon as possible. Don’t wait to go further into delinquency. Time works against you. Once your payment is overdue, your opportunity to get the lender’s cooperation declines.

2.    Don’t be afraid of your lenders. The lender is in the lending business, not the real estate business. They do not want your property. They want to work with you to ensure the loan is paid.

3.    Beware of scam artists. Predatory lenders and distress opportunity scammers often target people in financial distress. They try to force you, in a time of panic, into high cost mortgages, which increase your financial problems and the risk of losing your home. Predatory lenders usually offer loans with hidden fees and rate increases. Be aware of “magicians” who pitch dream solutions that sound too good to be true. If it sounds too good to be true, the dream will likely become a nightmare. There are no magicians in this industry. Don’t agree to promises that are unrealistic. Look for a real solution.

4.    If your loan is insured by the department of Housing and Urban Development or the FHA, you may be eligible for a one-time payment to bring your mortgage payment current.

5.    Don’t try to negotiate a “short sale” on your property by yourself. When you are sick, you go to the doctor. When you go to court, you take a lawyer. For a successful short sale, seek professional advice. In most cases, you will have ONLY ONE chance at a successful negotiation with your lender.

I Short Sale, Inc. has assisted thousands of property owners and a large number of lenders in the intricate and sensitive business of short sales, modifications, forbearances, deeds in lieu and other creative financing solutions. For over 16 years, the company’s principals have developed solid experience and created an extensive network of contacts with lenders, realtors and property owners. The purpose of short sales, as well as the other financing solutions I Short Sale provides, is to help property owners and lenders avoid the lengthy and costly process of foreclosure, the stressful act of eviction and the REO sale that follows.

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Posted On: Woodland Hills, CA February 12, 2007

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Bills.com offers tips on avoiding foreclosure risk.

The topics at many Thanksgiving tables this year included home prices: How prices are moving, whether interest rates will increase, and whether someone’s market is in a “housing bubble.” Many markets have been classified as having a housing bubble problem — yet Andrew Housser, co-CEO of Bills.com, suggests that homeowners can take steps to avoid suffering the ultimate loss of foreclosure, even in a bubble market.

“A housing bubble is a market condition in which home prices rise rapidly to the point of being unsustainable relative to income and to other costs,” Housser explained. “At that point, when housing demand declines, home prices decline. Buyers who purchased at the top of the market risk being in a position of negative equity, owing more than the home’s current market value.”

Adding to the stress on homeowners, many people purchase homes with small down payments — providing little equity in a property — and using flexible loan products such as adjustable rate mortgages (ARMs). As interest rates rise, so do ARM rates — and payments. Owners who have difficulty making higher payments are at risk of losing their homes to lenders through foreclosure.

Prevent foreclosure

“It’s true that an ounce of prevention is worth a pound of cure,” Housser said. He offered several suggestions to avoid getting into a foreclosure-risk situation:

1.    Avoid buying top-of-market. In most areas, the market has already peaked, Housser noted. “But if a buyer is unsure if properties are a good value, it’s best to hold off on buying. This is one area where it can be smarter to rent until you are certain property values have settled.”

2.    Put enough down. Housser suggests making a down payment of 10 to 20 percent of the home price. “With a good down payment, you own enough of the home that you have some flexibility in terms of home value. Even if you were forced to sell and lost some of your investment, you at least would not owe on a property you no longer own.”

3.    Avoid ARMs, interest-only loans and other mortgages that might increase. “If you can’t afford a home with a traditional mortgage, you probably can’t afford the home,” Housser advised. With some rare exceptions, “it’s best to continue saving until you can afford a home with a fixed-rate mortgage.”

4.    Don’t take a cash-out refinance. Consumers should avoid refinancing their home to take cash to pay off debts or go on vacation unless they have a very high percentage of equity. “Otherwise, you risk owing the bank if for some reason you must sell the home for less than you owe on it,” Housser said.

Buyers at risk can take action

Housser also suggested actions buyers can take when prevention is too late. For those who have already missed payments and are at dire risk of foreclosure:

1.    Request a forbearance agreement. For a temporary hardship — for instance, an earner has an unusual, seasonal loss of income — lenders might grant a forbearance agreement to lower or eliminate payments for a limited time.

2.    Modify the loan. In unusual circumstances, some lenders will modify a mortgage loan, such as lowering the payment and extending the loan’s term, or incorporating any delinquencies into future pay¬ments.

3.    Obtain a “deed in lieu” of foreclosure. A “deed in lieu” essentially allows the borrower to return the title or deed of the property – giving the home back – to the mortgage holder to avoid foreclosure. The borrower forfeits any equity in the property, but does not have a foreclosure on his or her credit record.

4.    Sell the home. Selling the home may not be ideal, but it is a way to avoid foreclosure proceedings on the house and repay the lender. In a housing bubble situation, the home may be worth less than the mortgage amount. These cases might require special permission from the lender to sell the home at a loss, for its current value.

5.    Refinance the loan. Sometimes, borrowers can refinance a home for a lower interest rate and/or lower monthly payment. “If you already have had late payments on your mortgage, the interest rate offered to you may be too high to lower your monthly payment,” Housser cautioned. Mortgage calculators are available online, including at http://www.bills.com/calculators/.

“The worst-case scenario in a housing bubble is that you will have to sell your home for a loss,” Housser said. “In most cases, a housing bubble leads to some losses, but more often forces homeowners to stay in a home for longer than they had intended. This can work out for the best, if you continue paying on a mortgage. Eventually, you will have greater equity in your home, and that’s the best investment of all.”

Based in San Mateo, Calif., Bills.com is a free one-stop online portal where consumers can educate themselves about complex personal finance issues and save money by choosing the best-value products and services. Since 2002, Bills.com’s partner company, Freedom Financial Network, has provided consumer debt resolution services, serving more than 10,000 customers nationwide and managing more than 0 million in consumer debt. The company’s co-founders and CEOs, Andrew Housser and Brad Stroh, were recently named Northern California finalists in Ernst & Young’s 2006 Entrepreneur of the Year Awards.

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Posted On: San Mateo, CA December 1, 2006

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Bills.com outlines 9 tips to prevent problems, avoid foreclosure

As any real estate agent knows, home sales heat up with rising temperatures every summer. Now, with mortgage interest rates more than a full point higher than at this time last year, fuel costs riding high, higher minimum credit card payments and consumer debt still raging, many U.S. homeowners risk foreclosure on their homes – but they don’t have to lose their slice of the American dream.

Last year, 31 percent of home loans issued were adjustable-rate mortgages [ARMs], which could spell big trouble as fixed mortgage rates hover around 6.83 percent and ARMs are poised to go much higher, said Brad Stroh, chairman of Bills.com. Holders of ARMs will be paying an additional billion annually for every 1 percent increase in mortgage rates. People who bought homes at the edge of their spending ability with an ARM could face dire consequences as their mortgage payments increase — but they can take steps to keep their financial situations in check.

According to the Mortgage Bankers Association of America, 4.7 percent of U.S. mortgages were delinquent at the end of 2005. With trillion in outstanding U.S. mortgage debt, that places 3 billion at risk of foreclosure. Homeowners who are at risk (as well as prospective homeowners) can use the tips below to avoid mortgage trouble.

How to prevent problems:

1.    Create a budget and don’t stretch yourself too far. The unexpected can and does happen to millions of Americans each year. For people who live at the far edge of their means, one life event can hijack their lives and lead to defaults on bills and/or mortgage payments. The key is to build a detailed budget of income and expenses, making sure to allow some breathing room to weather an unexpected downturn.

2.    Be very careful with ARMs or interest-only loans. These types of loans let borrowers qualify for more expensive homes – but beware as rates (and payments) climb. If you can barely afford the payment on your ARM or interest-only mortgage, you are asking for trouble in a few years when the teaser period expires and your loan re-sets to a fixed rate. Be sure you have extra cushion in your budget with these loans.

3.    Don’t jump to refinance your home to pay off credit card debt. Many people faced with large credit card debt or other unsecured debts consider refinancing their homes. But this strategy only moves the debt, securing it with your home. That puts your home is at risk of foreclosure if you are unable to pay. If you are not confident that you can keep up with your home loan payments, consider debt resolution or another debt relief option.

We can’t emphasize enough that people must educate themselves about what they’re getting into with a mortgage, Stroh added. Overall debt problems will continue to escalate unless people rein in their spending to live within their means. Unfortunately, for some people, that may mean losing their home to resolve their financial situation.

How to avoid foreclosure – if it’s already on its way:

1.    Enter into a forbearance agreement. For a temporary hardship, lenders might grant a forbearance agreement to lower – or eliminate – payments for a limited time.

2.    Consider loan modification. A loan modification seeks a permanent change to the loan, such as lowering the payment and extending the loan’s term, or incorporating any delinquencies into future payments.

3.    Obtain a deed in lieu of foreclosure. A deed in lieu essentially allows the borrower to return the title or deed of the property – giving the home back – to the mortgage holder to avoid foreclosure.

4.    Sell the home. Selling your home may not be ideal, but it is a way to avoid foreclosure proceedings on your house and pay back your lender.

5.    Refinance the loan. It may be possible to refinance your mortgage for a lower interest rate and/or lower monthly payment (this is much different than refinancing to take cash out to pay off credit cards). However, if you already have had late payments on your mortgage, the interest rate offered to you may be too high to lower your monthly payment. Educate yourself on current rates by checking online rate comparison sites and using online calculators to determine the real costs of refinancing. These tools are available on a number of Web sites, including http://www.bills.com/calculators/.

6.    Be cautious. Be wary of so-called equity skimmers. If your house is facing foreclosure, you will probably receive numerous solicitations from companies looking to help you prevent foreclosure by offering to sell your home for you or by taking ownership of your home. In most cases, these solicitations are scams trying to take advantage of people in difficult situations. The perpetrators aim to snatch the equity you have built up in your home.

In many states, foreclosure rates have already started to increase, especially impacting the segment of the population that carries adjustable-rate mortgage loans, whose payments climb upward with every interest-rate increase. However, homeowners can make choices – ideally, before they purchase a home, but even after problems arise – that will help them keep a home, or at least minimize the damage a foreclosure could have on their futures.

Based in San Mateo, Calif., Bills.com is a free one-stop online portal where consumers can educate themselves about complex personal finance issues and save money by choosing the best-value products from a network of qualified service providers. Since 2002, Bills.com’s partner company, Freedom Financial Network, has provided consumer debt resolution services, serving more than 7,500 customers nationwide and managing more than 0 million in consumer debt. The company’s co-founders, Andrew Housser and Brad Stroh, were recently named Northern California finalists in Ernst & Young’s 2006 Entrepreneur of the Year Awards.

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Posted On: San Mateo, Calif. July 3, 2006

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Bills.com offers tips for home short sales that leave owners with mortgage debt

Although national housing markets have not necessarily recovered from the economy’s recession, some home owners must sell immediately, even at a loss, and free online consumer portal Bills.com has six suggestions to ease the pain of a home sale that leaves sellers in debt.

“Although some economic indicators hint that the U.S. economy is moving toward a recovery, home values are still suffering from a serious economic hangover. Many home owners are putting off a sale until prices recover. But some owners must sell at a loss,” said Ethan Ewing, president of Bills.com. “Selling a home for less than the debt on the loan — called a ‘short sale’ — is not desirable, but sometimes it is necessary for those who face major financial hardship.”

Statistics on home price trends vary. One August report indicated that 80 percent of real estate markets increased in median home value over the previous year. A separate July report found that home values are down 21 percent from their peak in the second quarter of 2006. However, July was the sixth consecutive month that the decline in national home values lessened.

Overall lower home values mean that many home owners are “upside down” in their mortgages. This term means that they owe more on a mortgage than the home is now worth. “This is especially true in the current real estate market, because low down payments and cash-out refinance deals were the norm in the past decade,” Ewing noted.

Home owners who are facing a possible short sale should consider these points:

1. Know what qualifies for a short sale. Several factors make a home a candidate for a short sale. Typically these are a general drop in home values (such as has happened in many markets), a mortgage that is near default status, or a home owner who is unable to pay due to hard times.

2. Find the right real estate agent. The short-sale process is specialized. Lenders have stringent requirements and might ask agents to take a lower-than-standard commission. Look for agents with experience.

3. Talk to the lender. If a home is worth less than the mortgage amount, sellers will need special permission from the lender to sell the home at a loss for its current value. If the sale stems from financial hardship, home owners will need to prepare a hardship letter explaining why they need to sell. “Remember that some lenders will be open to the possibility of a short sale to avoid the alternative of foreclosure,” Ewing said. “If you are a good borrower hit by bad times, make sure to communicate this effectively to the lender.”

4. Understand tax consequences. In some cases, a lender forgives the difference between what is owed and the selling price. Lenders can classify that forgiven debt as income to the seller, which means that the seller would be required to pay income tax on the amount. However, the Mortgage Forgiveness Debt Relief Act of 2007 allows some home owners to exclude that income. This exclusion primarily applies to those whose home was foreclosed on or who had debt forgiven as part of a loan restructuring. Individuals who are truly insolvent (total liabilities are greater than total assets) also can file IRS Form 982 declaring the insolvency to have the tax waived. Sellers should consult a licensed tax advisor to learn whether these exceptions apply to their situation.

5. Know it will impact credit. A short sale is recorded on a credit report as a pre-foreclosure proceeding. As such, it will damage credit scores. Still, it may be the best alternative for some homeowners.

6. Consider alternatives. If paying the mortgage is the problem  and there is no desire to sell — some home owners have options available. Some lenders will consider a loan modification, which seeks a permanent change to the loan, such as lowering the payment and extending the loan’s term, or rolling delinquencies into future payments. Government programs such as Hope for Homeowners also fall into this category. Another option is a “deed in lieu” of foreclosure, which essentially allows the borrower to return the title or deed of the property giving the home back  to the mortgage holder to avoid foreclosure. The borrower forfeits equity in the property, but avoids a foreclosure on his or her credit record.

“Short sales are hard facts of life following a serious real estate downturn like the one our nation has undergone,” Ewing said. “Do your homework before agreeing to a short sale. Becoming a knowledgeable seller will help make the process as painless as possible.”

About Bills.com

Based in San Mateo, Calif., Bills.com is a free one-stop portal where consumers can educate themselves about complex personal finance issues and comparison shop for products and services including credit cards, debt consolidation, insurance, mortgages and other loans. Bills.com holds the No. 273 spot on the Inc. 500 list for 2009.

Bills.com and its sister companies, Freedom Debt Relief and Freedom Tax Relief, are wholly owned subsidiaries of Freedom Financial Network, LLC. The company has served more than 50,000 customers nationwide since 2002 while managing more than billion in consumer debt. Its RSS feed is available here.

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Posted On: San Mateo, Calif. (Vocus) October 28, 2009

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The financial landscape has changed dramatically since Ben Bernanke’s first appointment as Chairman of the Federal Reserve in 2006. Although the Fed intervened in unprecedented fashion to curtail the biggest global downturn since the Great Depression, according to John Jenkins, an independent financial professional, a magnitude of economic challenges still confront our nation. “We have not yet dealt with the trillion in bank-owned mortgage-backed securities,” Jenkins says. “In addition, unemployment is creeping toward 10 percent and could mean even more home foreclosures. Many experts are predicting a crash in the commercial real estate market and on top of all of that, the previously unflappable American consumer seems tapped out, unable, and in some cases unwilling, to increase spending to boost the economy.”

The financial landscape has changed dramatically since Ben Bernanke’s first appointment as Chairman of the Federal Reserve in 2006. Although the Fed intervened in unprecedented fashion to curtail the biggest global downturn since the Great Depression, according to John Jenkins, an independent financial professional, a magnitude of economic challenges still confront our nation. “We have not yet dealt with the trillion in bank-owned mortgage-backed securities,” Jenkins says. “In addition, unemployment is creeping toward 10 percent and could mean even more home foreclosures. Many experts are predicting a crash in the commercial real estate market and on top of all of that, the previously unflappable American consumer seems tapped out, unable, and in some cases unwilling, to increase spending to boost the economy.”

While President Obama praised Bernanke for bold action and outside-the-box thinking that helped soften the economic fall, Jenkins believes that it’s become increasingly clear that many individuals and families may need to make bold financial moves of their own. “The ‘borrow and spend’ paradigm that sustained families, towns, and even our nation is broken,” says Jenkins. “With credit tight, consumers have to rely only on their earnings – something they’ve not had to do in decades.”

As the government enacts legislation to guide the economy out of a recession, Jenkins believes American consumers must adopt a new vigilance in order to understand and take advantage of emerging opportunities. “Just as buy and hold no longer works as an investment philosophy, consumers must make an effort to stay informed about how new policies enacted by Congress, the Federal Reserve, and the Treasury alter the playing field in order to make well-reasoned decisions.”

Jenkins suggests positioning for the transitioning market environment by considering a number of tactical moves from including inflation hedges in portfolios to pursuing other strategies. The key, Jenkins says, is to remain nimble in order to react quickly, when necessary, to market opportunities and stay informed about new federal programs. For example, the government’s Car Allowance Rebate System (CARS), or Cash for Clunkers program, came and went before many consumers were informed enough to take advantage of it.

“While the dollar value of these rebates, including the upcoming rebate on energy efficient appliances, may be relatively small, I still recommend paying attention to and taking advantage of these programs,” says Jenkins. For example, someone in the market for a first home can take advantage of the American Recovery and Reinvestment Act of 2009 which authorizes a tax credit equal to 10 percent of the home’s purchase price up to a maximum of ,000 for qualified first-time home buyers before December 1, 2009. Income limitations apply. For more information on the program, consumers should visit http://www.irs.gov/newsroom/article/0,,id=206293,00.html.

In addition to stimulus programs that can provide advantages for consumers, there is a rule regarding Individual Retirement Accounts (IRA) distributions to charities which are able to be excluded from income. In other words, an investor, 70 ½ or older can transfer up to 0,000 from an IRA directly to an eligible charitable organization tax-free. This provision is coming to an end and will not apply to any distributions made in taxable years after December 31, 2009.

Jenkins believes it’s never too early to begin tax planning. “If an investor wants to create a nontaxable retirement income stream but is currently prohibited because of a modified adjusted gross income (MAGI) over 0,000, he or she should consider converting a traditional IRA to a Roth IRA in 2010,” Jenkins advises. “In 2010 a provision in the Tax Increase Prevention and Reconciliation Act of 2006 will allow those with modified adjusted gross income over 0,000 to do a conversion.” Restrictions, penalties and taxes may apply. Unless certain criteria are met, Roth IRA owners must be 59 ½ or older and have held the IRA for 5 years before tax-free withdrawals are permitted.

About John Jenkins and Asset Preservation Strategies, Inc.

John Jenkins is president and founder of San Diego-based Asset Preservation Strategies, Inc., which provides a team of financial professionals collaborating to address all of the elements of successful wealth management. He has conducted numerous financial planning workshops during his career and has been a guest on the PBS show “The Money Makers” and its successor, “The Financial Advisors,” as well as the syndicated news magazine show “Heartbeat of the City.” Jenkins has also authored and co-authored several financial planning books and publications. He is frequently quoted in the financial press, including Financial Planning News, The San Diego Union-Tribune, the La Jolla Light and the San Diego Business Journal. He has been named for three years in a row as a 5 Star, Best in Client Satisfaction Wealth Manager by San Diego Magazine based on surveys of more than 30,000 clients of wealth mangers and data from more than 4,000 financial service professionals. Learn more at http://www.asset-preservation.com

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Posted On: San Diego, CA October 15, 2009

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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.

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Stop Foreclosure Expert Help Guidelines

Homeowners can stop foreclosure with expert help. However, getting expert tips and secrets and traps to avoid in the process is essential.  Knowing where to find the needed information and secrets is the problem.  Getting the right information and having the time to use it is often the critical element in stopping foreclosure.  To quickly get the expert help and guidelines you need Click here Now!

Expert help is a must when dealing with banks and lenders that have been taking peoples homes through foreclosures for years. A foreclosure expert knows the tricks the lenders use to get peoples homes without a fight and many times when the lender does not deserve the property because the the lender broke the law in the creation of the loan For more on getting Expert Help to Stop your Foreclosure Click Here

Help To Stop Foreclosure There may be solutions in foreclosure law to ending your problems that you are not aware exist. Foreclosure answers are available to help you keep your house from becoming a foreclosed property. You can keep your property out of the foreclosed property listings; you can fight the bank and win. Let’s Chat about it before it’s to late. Click Here!

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1. Foreclosure Expert Tips – Foreclosure Law to Deed: Lieu of Foreclosure – Press Release Websites You can Find the Following Help To Stop Foreclosure Press Release(s) on the following Major...

With foreclosure expert help people can learn many of the tips, tricks and traps the lenders use to trap people into foreclosures with predatory lending practices These practices are done by many bankers’ finance companies, creditors and debt collectors that do not want you to know about them.  But with expert help you can find these tricks the banker have used to get you into a loan that was not good for you which lead to your foreclosure.  Get Some Expert Help Today Click Here!

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