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Loan Modifications Save Your Home and Stop Foreclosure

2012-01-27T15:43:00.001-06:00

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2011-08-01T00:05:00.006-05:00

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2011-07-29T14:08:00.002-05:00

Wishing You a Happy Belated Birthday!

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2011-07-26T16:47:00.003-05:00

Mortgage Modification Help

Foreclosure Prevention Help is on the Way

2011-07-19T16:31:00.001-05:00

Tricks to Saving Money in This Economy

2011-07-06T11:52:00.006-05:00

Achieve financial freedom is perhaps not likely for many people given the current economic climate. By making minor adjustments to your finances, you can literally improve your overall financial situation and start creating the financial freedom you've always wanted. While the economy was good, was it easy to increase our costs of new products and services emerging. Now it's time to take a comprehensive review of your overall financial budget and see where your money is really going on, so you can save more money.
(here is the real meat of this: Find out how to get your utility bills Free)

After a comprehensive review of the funding, I was able to save over $ 400.00 a month just by making fundamental changes to services, I helped or not need. Depending on your monthly output, you can easily be able to save even more money.

Make your budget
First, take a piece of paper or create a spreadsheet and make two columns. A column on the left will be for all monthly income or revenue. Go ahead and write the actual amount. Once you have your monthly income right, go ahead and enter all the expenses you incur on a monthly basis. The best thing to do is to look at your return and spend your debit card transactions and check the history.

A point which is very important for many people to understand is that by simply reducing the greatest number of their fixed costs as possible, it can lead to a considerable amount. You can really put the odds in your favor by combining a number of boards and increase the amount available for your savings.

Once you have all your income and expenses amounted to two columns, the difference. Is this your monthly production of more of your contribution? If so, it's time to be really honest with yourself and make a commitment to reduce or eliminate unnecessary costs and get their finances online.

Consolidate or Restructure the Debt of Credit Cards, Mortgage and Property Tax reduction

The first place to look is your biggest expense. Many homeowners consider refinancing their homes in a lower fixed rate mortgage when interest rates are low. You can actually consider going to a fixed mortgage now, because prices are so low, it will take several years. When all the money that the Federal Reserve was created through the quantitative easing and low interest rates, many analysts predict that we can look at double-digit interest rates, as we saw in the first 80 years.

Those who have capital at home may seek to consolidate their credit cards to reduce their monthly expenses. Mortgage refinancing and assistance can be beneficial to owners because it can change the part of your debt tax debt preferred to help you save on your taxes. With declining home prices in recent years, many homeowners have been able to challenge their property taxes and reduce property taxes per month they can save hundreds of dollars per month. Talk to a lawyer who specializes in estate taxes. Many lawyers who work on property taxes do not charge their clients if they manage to save money.

Reduce Excess Bank Charges

Although many banks made a profit consistently, it's time to check your bank and credit card bills and look for the banks are abusing their customers a monthly or yearly. Many large banks charge monthly maintenance fees for their bank accounts to bring additional income. If your bank does not charge a monthly fee, go to a smaller local bank or even a credit union.
While you're shopping for banks, be sure to check BankRate.com to see that banks pay higher interest rates and move money to the highest institution of payment. Often, local credit unions and banks pay interest rates significantly higher than the big banks simply because they have all the "layers".

Reduce Your Appetite

Another major expense for most people is food and eating. Staying in a home-cooked meals can save you a lot of money, especially if you eat out often. If you do not like the food, try cooking larger portions and freeze the rest for later in the week. Added during cooking, you can even take your rest to work the next day to avoid excessive costs for lunch. Treat them as sites Groupon or social life, and many other lucrative offer discounts for those who want to eat out. Make sure to register for their services and access their discounts.

Trying to sell papers and make you buy things on sale, you can easily save up to fifty percent of their food. Shopping at discount stores like Aldi or Food 4 Less can actually reduce your grocery bill dramatically. You can shop and buy in bulk at places like Walmart or Costco. Buy packages of bottled water can actually reduce the cost of water and other goods significantly.

Review your cell phone plan

Then consult your cell phone plan and evaluate whether you really need a luxury phone plan. Google is also giving away a free phone number that can be used at home, on your mobile phone or even on a computer with free local calls. Be sure to take advantage of this free service from Google, and try to reduce excess minutes or unnecessary data plans. If your kids have cell phones, emergency phones and remember that you may not need the Internet on your phone either. Only by canceling the data plan alone can reduce phone bills in half.

Watch The Prices at the Pump

If you use the Internet to your mobile phone, make sure to install the free application called "Gas Buddy" Gas Buddy allows you to buy the cheapest petrol and using only this application alone can literally pay for internet on your mobile phone. Stop calling the data, instead of using a PC and Google phone, you can eliminate the need for call information and even eliminating the need to maintain redundant telephone directories.

Shop Around Prices

The only shop in discount stores. Many discount stores have the same products as the major retailers for a fraction of the cost and it would be fun to shop for business. Be sure to check out stores like Marshalls or TJ Max clothing and even looking for sports equipment used in places like Play It Again Sports. Buy on eBay, Craigslist and Google Shopping really help you find the best deals on items you probably never thought you would find. Be sure to look for coupons online too.

Compare Insurance Policy Prices

The next place to look is your insurance. Consider raising deductibles on older cars and shops for less than insurance needs. Insurance companies have good earnings, because most people do not bother shopping for insurance, when they have it.

With the recent liberalization of public services, many consumers now have the opportunity to choose their own public service and businesses reduce their energy bills. People who switch to lower the prices of the companies need not worry about the lines out of service because most companies still use the new "big" business lines of power lines and electrical infrastructure of gas path.

Consumers could save up to 12.4% discount on their gas bills and electricity by switching to the energy field. The scope of energy, not just consumers get their public services at low prices, but they also have the chance to win their utilities for free by referring other customers. Energy range even offer travel points and rewards for loyal consumers. You can get more information on the energy framework, visit DecreaseMyUtilityBills.com and it literally takes less than a minute transfer. Now that is what I call easy money.

A better way to save on your utility bills is to simply get them for free. Yeah that's right, you can now get your utility bills free by clicking here for more information. If you really think about it, why pay for something when you can get it for free? Think how much money you have spent over your life paying utility bills. Is it a lot of money? What if you could have saved that money or invested it? How much of a difference would it make if you were able to get your energy bills free? Go ahead and visit Earn Free Utilities now.

As you can see the possibilities of saving money are almost endless. The real key to saving money is to make a commitment to you to make as many tips as possible above. Note that 'big money comes from funds small "and the more money you save, the more care. Make a good decision now that will do what it takes to start saving as much money as possible and remember to put your money in higher-yielding savings or other investments and grow their money. So now you've finished reading the steps you take first?

Brian Saviano is a Marketing Consultant for Ambit Energy looking for Sales Reps to and help consumers reduce their electricity bills earn money.

Tricks To Saving Money Now

2011-07-01T15:06:00.002-05:00

Achieving financial freedom is certainly likely that for many people, given the current economic climate. Make small adjustments in your finances, you literally can improve your overall financial situation and start creating the financial freedom you've always wanted. While the economy was good, was easy to increase the costs of new products and emerging services. Now is the time to take a comprehensive review of its overall financial budget and see where the money is really going on, so you can save more money.

After a comprehensive review of the funding, I was able to save more than $ 400.00 a month just by making fundamental changes to the services, I helped or not need. Depending on the monthly production, you can easily save even more money.

First, take a piece of paper or create a spreadsheet and make two columns. A column on the left will be for all monthly income, or income. Go ahead and write the actual amount. When you have a monthly income right, go ahead and take all expenses on a monthly basis. The best thing to do is watch your back and move your credit card transactions and check the history.

Point, which is very important for many people to understand that the only possible, reducing fixed costs, can lead to a significant amount. You can actually put the odds in your favor by combining a series of panels and increase the amount of savings available.

Once you have all your income and expenses amounted to two columns of the difference. Is this your monthly production of more of your contribution? If so, it's time to be really honest with yourself and make a commitment to reduce or eliminate unnecessary costs and get their finances online.

The first place to look is the biggest expense. Many homeowners consider refinancing their homes in a lower fixed rate mortgage when interest rates are low. You can actually consider the idea of a fixed mortgage now, because prices are so low, it takes several years. When all the money that the Federal Reserve has created a quantitative easing and low interest rates, many analysts predict that we can look at double-digit interest rates, as we saw in the first 80 years.

Those with capital in the country may seek to consolidate their credit cards to reduce your monthly expenses. Mortgage refinancing and assistance can be beneficial to owners because it can change some of its tax debt, senior debt to help you save on your taxes. With the fall in house prices in recent years, many homeowners have been able to challenge their property taxes and reduce property taxes per month, which can save hundreds of dollars a month. Talk to a lawyer specializing in estate taxes. Many lawyers who work in property taxes do not charge their clients if they can save money.

Although many banks made a profit consistently, it's time to check your bank statements and credit cards and banks are abusing their customers. Monthly or annual rates of many major banks monthly maintenance from their bank accounts to make extra income. If your bank does not charge a monthly fee, go to a small local bank or credit union.
When you are buying banks, check BankRate.com to see that banks pay higher interest rates and transfer the money to pay the largest factory. Credit Unions pay higher interest rates than banks, because they are more efficient.

Trying to sell newspapers and make you buy things to sell, you can easily save up to fifty percent of their food. Shopping at discount stores like Aldi or 4 small meals can actually significantly reduce your grocery bill. You can shop and buy in bulk at places like Wal-Mart and Costco. Buy packs of bottled water can reduce the cost of goods and other water a lot.

A major expense for some families is food and eating. Staying in a cooked meal at home can save you money, especially if you eat often. If you do not like the food, try cooking larger portions and freeze the rest for later in the week. Added during cooking, you can even take your rest to work the next day to avoid excessive costs for lunch. They treat them as sites or LivingSocial.com Restaurant.com, and many other lucrative offer discounts for those who want to eat. Make sure to register for their services and access their discounts.

Only consider shopping at discount stores. Many discount stores carry the same products as major retailers and cheaper it would be fun to buy a business. Be sure to visit stores like TJ Max, and even clothing are looking for sporting equipment for use in places like Play It Again Sports. Buy on eBay, Craigslist and Google Shopping really can help you find the best places you probably never thought he had found. Be sure to look for coupons online, too.

So check the schedule of the phone, and consider whether you really need to plan a luxury phone. Google has also given a toll free number that can be used at home, mobile phone or a computer with free local calls. Be sure to enjoy this free service, Google, and try to reduce more than a minute or unnecessary data plans. If your kids have cell phones, emergency phones, and remember that you do not have Internet on your phone, either. It 'just erasing data plan alone can reduce your phone bills in half.

If you use the Internet to your mobile phone, be sure to install a free application called "Friends of gas" that lets you buy the cheaper price of oil. This application alone can literally pay for internet on your mobile phone. Stop calling the data instead of using a PC and a Google phone, you can eliminate the need for information calls and even eliminate the need to maintain redundant telephone directories.

The Deregulation of Utility services now gives consumers the opportunity to choose their own public service and businesses reduce their energy bills. People who spend down the prices of companies do not have to worry about the lines out of service because most companies still use the new 'green' power lines business, electricity and gas infrastructure.

Consumers could save up to 10% discount on their gas and electricity bills by switching to energy. The company allows consumers to get their utilities at lower prices, but also have the opportunity to earn their services for free by referring other customers. Ambit even offers travel points and rewards for loyal consumers. More information about the context of energy, visit DecreaseMyUtilityBills.com and literally takes less than a minute transfer. Now that's what I call easy money.

As you can see the possibilities of saving money are almost endless. The real key to saving money is to make a commitment to you to make suggestions to the greatest number above. Note that "a lot of money comes from small funds" and the more money you save, the more care. Make a good decision now that will do what it takes to start saving as much as possible and remember to put their money into high yield savings or other investments and grow your money. So now you've finished reading the steps you take first?

Brian Saviano is a marketing consultant for Ambit Energy and help people reduce their gas and electricity bills, which saves money.

Some New Sites To Look At

2011-06-30T23:29:00.009-05:00

Earn Free Utilities

Income Earning Opportunities

Save Money On Your Utility Bills

Free Reverse Mortgage Information

How to Quit Smoking

Towing Services

Learn to Trade Commodity Futures

Follow us on Facebook

The Truth About Ambit Energy

Start Your Career With Ambit Energy

Foreclosure Prevention Tips

Loan Modification Help

Homeowners Now Viewing Walking Away from Homes as Best Decision with Declining Home Values

2011-06-14T15:14:00.005-05:00

As home prices continue their decline, more and more homeowners are finding they now owe more on their homes then what they are worth. Because many banks are stalling loan modifications and giving homeowners the run around, many homeowners have decided enough is enough.

While interest rates are near record lows, many homeowners do not qualify for mortgage refinance and because they simply owe more on their homes then what they are worth. With the slowing economy, many homeowners are turning to their banks for relief only to get turned down on their mortgage modification options. Homeowners are tired of being screwed around from their uncooperative banks and are starting to fight back by walking away.

With the severe drops in prices over the last three years, more people are really starting to wonder if their homes will ever come back in value. Although walking away is not the moral thing to do, it seems like the best “business decision” for those who simply owe too much.

While we do not encourage homeowners to walk away from their homes, it is necessary to take the right steps. New laws under the O’Bama plan make it easier for those defaulting on their mortgages for loans originated before a certain cut off period. Check with your attorney to make sure your lender will not have recourse against you for any losses they incur. A good attorney can help negotiate those clauses right out of the short sale agreement and protect you from liability from any shortages.

Other tips include, buying new car before trashing your credit. The theory here is to buy a new car while you still may qualify with your current credit score. Having late payments on your credit report may limit your ability to get a car loan or other credit. Another piece of advice, save up your money while you can. Many people not making payments on their homes just spend money like its going out of style. It is best to use strategic opportunity to build up your cash reserves because many landlords do not like to rent out to those who could not pay their mortgage but by paying a few months up front or showing significant reserves, they may look past mortgage lates.

When should you walk away? While we cannot advise anyone to walk away from their homes, a good rule of thumb to consider (if you are having an economic hardship) is if you are upside down by 30% or more. In other words, if you owe $300,000 on your home and it is only worth $210,000, chances are good it may take years and years to break even on your home. Those who are upside down by $10,000 or less should wait out the storm.

Adding fuel to the fire, as values continue to drop, many neighbors continue to decline as more and more neighbors get discouraged and walk away. This just adds fuel to the fire and makes it worse for the neighborhood. Even with the actions of the Fed lowering rates, many new buyers are not coming into the market because the new lending guidelines have made it even tougher to qualify.

HAMP Loan Modification Program

What is the World Coming to?

2011-05-26T11:51:00.000-05:00

Dollar's Demise

2010-11-24T23:54:00.003-06:00

We here at Professional Loan Consultants Inc. have been warning our clients that hyper inflation may very well be on it's way, warning our clients to prepare for the inevitable collapse of the U.S. Currency. The following video is fictional video but could very well be the case we hope this world never sees.

Are You Having Trouble Getting Your Loan Modification with Chase Bank Approved?

2010-11-22T20:28:00.006-06:00

President and CEO of JP Morgan Chase bank says, "homeowners having trouble getting loan modifications should go to me." If you are having a hard time getting your loan modification approved, try calling Jamie Dimon's office directly and asking him and his staff to help you.

Jamie Dimon's office can be reached by dialing : 212-270-1111

or you may fax his office at: 212-270-1121

Housing Questions

2010-11-12T19:38:00.008-06:00

We have been getting a lot of questions from troubled homeowners about what to do when their banks won't work with them on a loan modification. There are still options available to you if your bank won't make a significant loan modification. For seniors the simple option may be a reverse mortgage. With a reverse mortgage, seniors can stay in their homes until they either decide to sell the property, move, or pass. A reverse mortgage can be great way to help free up cash flow on a monthly basis as it could eliminate the need to make monthly mortgage payments or may even provide extra monthly cash flow. Some seniors have still pulled equity from their homes to and used a reverse mortgage to pay off their credit cards or give their money to family members while they are still alive to watch them enjoy it.

While the economy continues to get worse, more and more seniors are now finding it more difficult to get by as food costs and taxes continue to increase. Meanwhile, social security has just declared no pay raises for seniors for the third consecutive year in a row. This comes at a time where seniors are skipping meals and even cutting pills in half just to get by. If someone you love is having a hard time and you feel they may benefit from a reverse mortgage, have them call our offices to find out how a reverse mortgage might be an option.

For those under the age of sixty-two, who are ready to walk away from their homes, they should contact an experienced real estate agent who is well versed in short sales. There are many pitfalls to having just your "ordinary" realtor list your home, especially when it's crunch time.

Local real estate expert George Medina has offered to assist those who have questions about selling their homes in Cook and DuPage County. Those with questions should visit his website or call Century 21 GMS at 630-833-5556. On their website, you may also get a free market evaluation of your home or you may find this real estate website helpful too.

For those in Cook or Lake County, short sale expert Matthew Lawrence is also avialable at Re/Max Advisors. Matt can be reached by dialing 1-800-292-9611.

If you still have questions you would like to get answered, by all means call the professionals at PLC by dialing 630-286-9276 or you may visit our website. We can help you arrange a reverse mortgage or short sale referral

Warning To Americans - Hyper Inflation is on the Way!

2010-10-16T10:54:00.004-05:00

Last week the Federal Reserve talked about fears of deflation, I put a post out on Facebook and challenged anyone to tell me where the deflation is and not one person could prove the Fed's theory.

The federal government is mismanaged and their inconspicuous spending is near record levels. Last quarter the federal government spent $1.3trillion dollars more then it took in, in revenue. At the same time, Moody's, the same rating company who rated mortgage backed securities which became worthless a "AAA" rating also gave U.S. Treasury securities a "AAA" rating. Meanwhile the U.S. Treasuries should be graded as junk since the only means the U.S. has it to create money to repay its debt. This means that the purchasing power of your investment will erode as the government borrows even more money to pay back its old debt. It's a viscous cycle and will continue until the U.S. goes bankrupt.

In addition to the record spending, the Federal Reserve Bank wants to create more money to inflate the economy with a mass purchase of U.S. Treasury securities with Quantitative Easing. This is where the Fed buys bonds back from the public and creates more money out of thin air which debases our currency even further.

Meanwhile billionaire investor Jim Rogers recommends that people hedge their portfolios against inflation by purchasing commodities. Watch the video below to see for yourself.

Improve Your Credit Scores

2010-09-13T11:37:00.004-05:00

Hey Guys,
Real Quick a lot of people have been suffering with credit problems after foreclosure and even bankruptcy. Here is an affordable program to help you get a new car & even buy a home if you have had serious credit problems and the best part is it's not a scam or one of those companies charging thousands of dollars to "Fix" your credit.

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Click Here to out how to get your utilities free

Homeowners Options to STOP FORECLOSURE in Illinois

2010-04-27T11:50:00.006-05:00

The most recently released data suggests that nearly 40 percent of homeowners have received at least one delinquency notice in reference to their mortgage. Even still, an estimated 2 million homes stand to face foreclosure this year. Unfortunately, many homeowners neglect their situations and allow their banks to take their homes without much or any effort to stop foreclosure. A growing trend of foreclosures is being created where homeowners never respond to any of the court documents at all and end up giving their houses back to the banks leaving homeowners empty handed with nothing and at the same time ruining their credit which could prevent them from getting jobs down the road or even finding a place to rent.

The law requires mortgages to contain protection for homeowners to provide them a chance to keep their homes in the even of a default. Banks may attempt a loan modification to help lower mortgage payments and interest rate. Banks may also discuss other options available to you depending on your situation. Forbearance plan may be available which allow homeowners to cure any delinquencies.

If you are unable to obtain a modification or forbearance plan there are other alternatives available. The first is a deed in lieu of foreclosure which allows owners to give homes back to lenders and in some cases may even get paid up to $3,000. The next option is what is known as a “short sale”. Short sales allow a new buyer who is non related to purchase the homes for less than any mortgage balance currently owed on the property. This enables homeowner to walk away from their homes without all the negative impact from ensuing foreclosure and releases home owners from any personal responsibility for any shortage in the mortgage.

Anyone facing a financial hardship who is unable to pay their mortgage or just having a hard time making payments should discuss their situation with a professional loan consultant today to find out what options are available to them. Another simple cure for qualifying borrowers would be a mortgage refinance. The best advice for anyone facing financial hardship would be to contact us for a free consultation before its too late.

For more information or a free consultation to stop foreclosure, click here or visit Professional Loan Consultants

2010-02-18T12:55:00.000-06:00

Swimming with the Sharks

2010-02-17T20:32:00.006-06:00

As the Foreclosure epidemic continues to spread, more and more unscrupulous people are coming out of the woodwork and preying on the victims of the bad economy. Some are taking people's money and not doing anything while the homeowners, lose their homes. Others are offering creative loan litigation programs that offer to sue your lender for Truth In Lending &RESPA Violations.

In some instances, they are promising homeowners that if homeowners win the lawsuit, they may end up owning their homes free and clear (as if a bank is going not going to fight back and risk losing all of their investment). These programs sound good but the reality is, is that it takes a lot of money to fight these types of lawsuits and your fight big banks who have the sharpest attorneys on their staff. Fighting a battle like this will end up costing several thousand of dollars with no guarantee of victory.

One thing some of these types of programs do is actually stall the lender and allow the homeowner more time to live in the house while not making mortgage payments. This can be done with out shelling out big monthly retainer fees to the firms promising to do this. Although those who do know the loopholes can in fact buy more time and take advantage of the system, homeowners should consult with more then one attorney before signing up for a program like this. Homeowners should consider all options available and remember if it sounds to good to be true, it usally is.

Our advice to those considering such litigation programs where you sue your lender, to move on. Although few may end up winning a case like this, the odds, costs and probabilities are stacked against you.

Swimming with the Sharks

Useful Mortgage Resources

2009-11-07T20:17:00.013-06:00

Below are some valuable resources and places to turn if you are facing financial troubles. The staff at Professional Loan Consultants have helped numerous people with their loan modifications and can help you save money on your mortgage payments.

Professional Loan Consultants

Brian Saviano's Blog

Sign up for the FREE Tele-seminar and learn how to keep your home while lowering your mortgage payments and saving your credit score.

HAMP Home Affordable Modification Program

Foreclosure Alternatives Protecting Homeowners from Foreclosure

2009-10-26T19:46:00.007-05:00

There are multiple solutions available to help you keep your home. The first step is to look into a mortgage refinance. With many of the new programs that have recently been unveiled, homeowners whose homes are worth less then they owe are now finding relief in the form of a mortgage refinance. The DU Refi Plus program allows homeowners to do a rate and term refinance on their homes and borrow as much as 125% of their homes value, even if they have a second mortgage.

DU Refi Plus is giving homeowners who have tried to refinance just twelve months ago but turned down because they owe more on their homes then what they are worth a second chance. This government backed program is helping many homeowners save money and lower their monthly payments and might be the solutions for you. DU Refi Plus has many restrictions which could make it difficult to qualify for but is definitely worth pursuing.

Another popular government backed program is an FHA Streamline refinance. FHA Streamline refinances allow homeowners who have an existing FHA loan to refinance their FHA mortgage. In many cases, homeowners do not need an appraisal and may not need to verify income and employment. The FHA Streamline program is only available until mid November when the government will be canceling this program. Those looking to save money on their FHA mortgages should consult a qualified mortgage broker before this program is cancelled.

Although there have been rumors of a similar program coming out next year, those in FHA mortgages should not gamble at the chance to refinance and save money on their mortgages.

If a refinance is not an option for you, you may look to modify your existing loan and get a loan modification with Professional Loan Consultants, Inc. A loan modification can help you get a reduced interest rate, lower payment and can stop foreclosure. The HAMP and HARP programs are making loan modifications easier to get.

If you would like to arrange a private consultation with a mortgage professional, please call us 888-863-1717 or visit us at www.professionalloanconsultants.com During your free and private consultation, the pros at Professional Loan Consultants, Inc. will help you select the most appropriate action to save you the most money and keep your home.

PLC on Channel 5 NBC

2009-10-06T22:40:00.007-05:00

Watch as the PLC team is interviewed by Channel 5
Watch as we are interviewed by Lisa Parker Live on NBC

View more news videos at: http://www.nbcchicago.com/video.

For More Information on Getting Your Loan Modification:
Loan Modification Help

2009-09-04T17:18:00.007-05:00

High Credit Card Debt Has Solutions

2009-09-04T16:59:00.002-05:00

Consumer debt is near an all time high right now and more and more people are finding it harder then ever to even pay their bills. With the ridiculous rates credit cards are charging consumers, more and more people are falling behind without site of getting out of debt. Let’s face it, credit card debt is a losing game and the longer you play, the more you lose.

The whole banking industry is designed to lure unsuspecting folks into debt. They are on a fractional reserve system and therefore when ever you borrow a dollar from a bank, only about 10% of the money actually comes from the bank itself. Banks borrow from the Federal Reserve Bank at very low rates and lend to consumers at substantially higher rates. That is really the reason banks are so profitable. When you add in all the fees and miscellaneous charges, they make even more money and it makes me sick to hear all the profits they make especially after receiving all the money from TARP.

With the high rates and all the fees banks charge, it is most likely that consumers will never get out of debt. On top of that, banks lobbied with congress to change the bankruptcy laws making it even harder to file for Chapter 7 bankruptcy in 2006. This forces those who don’t qualify to get stuck in a 5 year repayment plan with a Chapter 13 bankruptcy, which makes it almost impossible to borrow for the next 10 years!

The good news is that there are alternate solutions to getting out of debt and fighting back the banks with out having to file for bankruptcy. Consumers with high credit card debt can fight back with debt settlements and eliminate their debt once and for all!

With a debt settlement, consumers can settle their accounts with their creditors for literally pennies on the dollar. Settlements can range from less then 40 to 50% of the current balance. This puts those in debt in a much better financial situation because they no longer have to worry about being slaves to debt. Once their debt is settled, they will no longer get harassing phone calls from lenders and will have piece of mind.

Some homeowners who have settled their debt have started to use the money they were paying each month to their credit cards to pay down their mortgage or even start a savings plan. Having a lot of debt causes a lot of stress. With a debt settlements, borrowers will have piece of mind and be able to sleep at night.

To find out how to eliminate your credit card debt, call Professional Loan Consultants, Inc. at 888-863-1717 or you may visit www.professionalloanconsultants.com The consultants at Professional Loan Consultants will go over all of the solutions to help you get out of debt and stay out of debt.

Inside Secrets to Getting Your Loan Modification Approved and Stopping the Foreclosure Process

2009-08-18T12:25:00.004-05:00

If you want to know the real secret to getting your loan modification approved and stopping foreclosure, the best step is to have a forensic loan audit done on your closing package with Professional Loan Consultants. A forensic loan investigation is performed to determine whether your lender has committed fraud with your loan. These loan investigations review your file to determine if your lenders violated any of the Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA) and may entitle you to a better loan modification.

The forensic loan audit process from Professional Loan Consultants begins with a written RESPA request demanding that your lender produce a copy of the closing documents signed when the loan was obtained. is RESPA requests are a stall tactic used to delay the foreclosure process and can help you gain leverage against your lender while applying for a loan modification.

Lenders and servicing companies make mistakes when filing foreclosure against homeowners and often file under the institutions name, when they may not even own the mortgage or note. Legally, the only party with rights to enforce foreclose is the note holder. The so called gurus on Wall Street bundled these pools of mortgages in what are called Ginnie Maes. These Ginnie Maes were pooled and sold to investors all over Wall Street. When these securities are bought and sold, many of the original documents are misplaced, copied or even stamped, “Paid in Full.”

A legal tactic to stop up the foreclosure process is demand that the lender validates that the debt is even legal by asking them to produce the original note that was signed at closing in court. Many times, the banks are unable to produce the note. According to ruling by federal judge Christopher Boyko of the U.S. District Court in Ohio, many foreclosures cannot precede because the actual loan owners are not the lenders that originally issued the loans — even though the names of those original note holders continue to appear in official records.

Before foreclosure can take place, the plaintiff must prove they actually own the note. In more than a dozen Ohio foreclosure cases Deutsche Bank said it owned various notes and mortgages and Judge Boyko found in each case that the paperwork actually identified the original notes and because they were transferred and sold they said nothing about Deutsche Bank and therefore they had no legal grounds to foreclose because they did not own the loans or have any authority to foreclose.
The main goal of the forensic mortgage audit is to determine whether there were violations of federal law. If these violations are found, the borrower may be eligible for complete relief of the predatory loan or a very favorable loan modification. Complete relief of the predatory mortgage is called a “loan rescission.”

In a loan rescission, the lender takes back the “predatory loan” and credits back the borrower all the interest made on payments including any origination or discount fees. If the loan rescission is not warranted the next best option is to meditate the loan with your lender and fight for a substantial loan modification based on legal violations of the loan. In these cases, everyone wins because the homeowner keeps their home and is given a low interest rate and possible principal production meanwhile the bank has a paying loan back on their books.

It is estimated that 85% of all loans originated during the mortgage boom years of 2000-2006 were written and funded so fast that many lenders made fatal mistakes in their documents. Bottom line is if you are facing foreclosure or having difficulty paying your mortgage insist on mortgage forensic investigation. These forensic investigations may just help you keep your home and get terms you can afford so contact Professional Loan Consultants now.

Lenders Exposed

2009-08-06T21:18:00.005-05:00

We all know the banks have been given billions of dollars to modify loans and help homeowners. So far it seems the banks have been rather selfish with their help so we have decided to give you their well gaurded contacts and contact numbers.
ABM AMRO Mortgage (800) 783-8900
Web: https://www.mortgage.com/C3/application.bus

Accredited Home Lenders(877) 683-4466

AMC Mortgage Services (Also handles loans originated by Ameriquest and Argent) (800) 211-6926
1600 McConnor Parkway
Schaumburg, IL 60173
Web: https://www.myamcloan.com/malwebapp/begin.do

American Home Mortgage Corp.(877) 304-3100*

Ameriquest Mortgage (Debt collection -- see AMC Mortgage Services) (800) 211-6926

Aurora Loan Services (Debt collection) (800) 550-0508
By Overnight Mail:
601 5th Avenue
Scottsbluff, NE 69361
Attn: Customer Service
By Regular Mail:
P.O. Box 1706
Scottsbluff, NE 69363
E-mail: ccnmail@alservices.com
Web: https://www.alservices.com/Consumer/UI/SSL/Authentication/Login.aspx?ReturnUrl=%2fConsumer%2fUI%2fSSL%2fServ icing%2fDefault.aspx

Avelo Mortgage LLC (866) 992-8356*

Bank of America(800) 846-2222

BB&T Mortgage (800) 827-3722*

AmTrust Bank (aka Ohio Savings Bank) (888) 696-4444

Beneficial (800) 333-5848

Central Pacific Bank (800) 342-8422*

Charter One (800) 234-6002

Chase (800) 548-7912
Loss Mitigation (877) 838-1882 ext 52195.
The Number you will be directed to after you give your loan number: (866) 665-7629 (business hours are 11AM-8PM M-TH, 8AM-12PM F)
Chase Home Finance (800) 848-9136 (customer service) (858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey(800) 446-8939*Chevy Chase Bank(800) 933-9100*
Web: https://chaseonline.chase.com/chaseonline/logon/sso_logon.jsp?fromLoc=ALL&LOB=COLLogon

For SUBPRIME ONLY (877) 838-1882 ext 52195.
The Number you will be directed to after you give your loan number:
(866) 665-7629 (business hours are 11AM-8PM M-TH, 8AM-12PM F)
--- Subprime Letter of Authorizations Fax: 1-877-287-7559.
---Subprime Workout Packages Fax: 1-888-219-7813.

For Prime Loans: 1800-446-8939
Prime Letter of Authorization & w/o packages Fax: 614-422-7259

Chase Home Finance (800) 848-9136 (customer service)
(858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey(800) 446-8939*

Chase Manhattan Mortgage
(800) 446-8939 (Ohio Servicing Center)
(800) 526-0072 (Florida Servicing Center)
(800) 527-3040 x533 (Florida Servicing Center)

Chevy Chase Bank (800) 933-9100
Web: https://www.chevychasebank.com/htm/payment.html (Payment Addresses)

Citi Financial & Citi Mortgage Special Homeowner Outreach Phone Number

Email address:
homeownerhelp@citi.com

Phone Number:
1-866-255-3901

Countrywide (800) 262-4218
https://customers.countrywide.com/se...t_login254.asp

Here is some contact info I have for Countrywide. Keep in mind these numbers and address may only be good if you live in CA.

Mailing address: (Send all your certified complaint letters, etc. here.)

Countrywide Mortgage
400 Countrywide Way SV-HRD
Simi Valley, CA 93065

Toll free direct number to Workout Dept. in Lancaster, CA:
866-806-8692 (extension 8692 if your negotiator is M. A. Hernandez)

Direct number to Workout Dept. in Lancaster, CA:
661-951-5100
(not toll free but gets you right in)

Address: 400 Countrywide Way SV-314
Simi Valley, CA 93065-3500 Other Addresses: 400 Countrywide Way SV-314
Simi Valley, CA 93065-3500
450 American St
Simi Valley, CA 93065
7105 Corporate Dr.
Plano, TX 75024
P.O. Box 10211
Van Nuys, CA 91499
P.O. Box 5170
Simi Valley, CA 93062-5170
21 E. Victoria Street
Santa Barbara, CA 93101
35 North Lake Avenue, 35-72B
Pasadena, CA 91101

Primary Phone: (800) 669-6093 Other Phone Numbers: (800) 669-6093
(818) 874-8779
(818) 225-3000
(972) -52-6-6330
(805) 650-6566
(805) 520-5100
(800) 686-0145

Primary Fax: (800) 658-9364 Other Fax Numbers: (800) 658-9364
(805) 520-5019

Primary Contact: Daniel Whitehead
Executive Relations Coordinator Other Contacts: Daniel Whitehead
Executive Relations Coordinator

Joe Riggio
Senior Vice President

Angela De Aro
Vice President

Melissa Guerra
1st Vice President

Rina Jariwala
VP, Operations
Ditech (800) 852-0656 (800) 449-8582

Downey Financial Corp.(800) 824-6902, ext. 6696

Deutsche Bank National Call Number on Mortgage Statement

EMC 800-723-3004
P.O. Box 141358
Irving, TX 75014-1358
Web: https://www.emcmortgageservicing.com/ccn/ccnsecurity.asp

EverBank (800) 669-7724 ext. 4730

Equity One (Debt collection) (866) 361-3460

First Horizon Home Loans (800) 489-2966*

Fifth Third Bank (800) 375-1745 Option 3

First Merit Bank (888) 728-9931

Flagstar Bank (800) 968-7700, ext. 9780

Fremont Investment & Loan (866) 484-0291

GMAC Mortgage (800) 850-4622

GreenPoint Mortgage Funding (800) 784-5566, ext. 5383*

Green Tree (877) 816-9125

Homecomings Financial (800) 850-4622*

HomeEq Mortgage Servicing ( Debt collection) (866) 822-1471

Amy Fleitas
Executive Offices (Loan Servicing)
1-319-236-4766 (in her letter she states this is her direct number) she also provides
1-800-206-2901 ext. 2364766 (they must have alot of ext.)

Loss Mitigation area
Lauren Koos 1-214-874-6138

another address:
PO Box 205
Waterloo, IA 50704-0205
also:
3451 Hammond Avenue
Waterloo, IA 50704

Household Finance (A HSBC Co.) (800) 333-5848

Household Mortgage (800) 333-4489

HSBC Mortgage (800) 338-6441
Default Resolution Team (if long term problem)
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mitigation
(732) 352-7519 Fax
Web:http://us.hsbc.com/personal/mortgage/existing/difficulties.asp

Huntington National Bank (800) 323-4695

Indy Mac Bank (877) 736-5556
C/O Loan Resolution Department
P.O Box 7014
Pasadena, CA 91107
(Monday - Friday 6:15am-7:15pm. (Pacific Time))
Web: https://www.indymacbank.com/contactus/loanResolution.asp

Irwin Mortgage (888) 218-1988
P.O Box 7014
Pasadena, CA 91107
Web: https://www.irwinmortgage.com/wps/portal/!ut/p/cxml/04_Sj9SPykssy0xPLMnMz0vM0Y_QjzKLN4g3sdAvyHZUBAAqwx 9c
E-mail: deliquency.prevention@irwinmortgage.com

James B. Nutter & Company (800) 315-7334

Key Bank (800) 422-2442

LaSalle National Bank (800) 783-8900

Litton Loan Servicing (800) 999-8501 or (800) 548-8665
Fax (713) 966-8820
4828 Loop Central Drive
Houston, Texas 77081-2226
Web: https://www.littonloan.com/index.asp

Loss Mitigation Department Hours:
Monday Eastern: 9 a.m. - 7 p.m. Central:8 a.m. - 6 p.m. Mountain:7 a.m. - 5 p.m. Pacific:6 a.m. - 4 p.m.
Tuesday-Thursday Eastern:9 a.m. - 9 p.m. Central:8 a.m. - 8 p.m. Mountain:7 a.m. - 7 p.m. Pacific:6 a.m. - 6 p.m.
Friday Eastern:10 a.m. - 6 p.m. Central:9 a.m. - 5 p.m. Mountain:8 a.m. - 4 p.m. Pacific:7 a.m. - 3 p.m.
Default Counseling Department representatives are also available most weekends on Saturday from 8 a.m. to 12 p.m. and Sunday from 10 a.m. to 2 p.m. (CST).

Midland Mortgage (800) 552-3000 or (800) 654-4566
Web: https://www.mymidlandmortgage.com/MyMortgage/Login/Login.asp

Mortgage Lenders Network (800) 691-0129
E-mail: customerservice@mlnusa.com
Web: http://www.mlnusa.com/customers/info_credithelp.asp

Mortgage Electronic Registration Systems (888) 679-6377

National City (800) 367-9305, Ext. 53221 or (800) 523-8654
Attention: Homeowner's Assistance
3232 Newmark Dr.
Miamisburg, Ohio 45342
(8AM-10:30PM ET, Monday - Thursday)
(8AM-5PM ET, Friday)
(8AM-Noon, Saturday)
Web: http://www.nationalcitymortgage.com/service_assistance.asp

Nationwide Advantage Mortgage Company (800) 356-3442, ext. 6002*

NationStar Mortgage (888) 850-9398* Press 0 for operator

New Century Financial Now Carrington Mortgage Services (800) 790-9502 or (877) 206-9904
(6:00 a.m. to 7:00 p.m. Pacific Time, Monday - Thursday)
(6:00 a.m. to 6:00 p.m. Pacific Time, Friday)
Web: https://myloan.newcentury.com/webapps/servicing/myloans/index.do

NovaStar Mortgage Loan Resolution Department (888) 743-0774 Non-English: (888) 743-0774, ext. 4523

Ocwen Federal Bank (800) 746-2936 or (877) 596-8560
Web: http://www.ocwencustomers.com/csc_fa.cfm

Attention: Financial Information
12650 Ingenuity Drive
Orlando, Florida 32826
or
Ocwen Financial Corporation
1661 Worthington Rd., Suite 100
West Palm Beach, Florida 33409
Phone: 877-226-2936

For serving Ocwen with legal process, please send to their registered agent:
Corporation Service Company
2711 Centerville Road, Suite 400
Wilmington, DE 19808
Phone: 561-682-8000, x8386

Option One (866) 711-1962 or (888) 275-2648
Web: http://www.oomc.com/servicing/servicing_baifaqs.asp

Option One Mortgage
Home Retention Contact Center
6501 Irvine Center Drive
Mail Stop BAT
Irvine, CA 92618
US Phone number 1-800-704-0800 or 800-505-3706

PHH Mortgage (Formerly Cendant) (800) 257-0460
For borrowers facing possible delinquency: (800) 330-0423*
For borrowers in the foreclosure process: (800) 750-2518
Web:https://www.phhmortgage.com/sso/mq/login.jsp?TYPE=33554433&REALMOID=06-9153316d-cf4d-4425-a5d7-c0b20a7b098d&GUID=&SMAUTHREASON=0&METHOD=GET&SMAGE NTNAME=phhmort-stb&TARGET=$SM$https%3a%2f%2fwww%2ephhmortgage%2ec om%2fhome%2flandscape%3fjpid%3dLogIn%26loginmode%3 dregistered&SMSESSION=NO

ResMae Mortgage Corp.(877) 473-7623, ext. 5944

Saxon (800) 665-7367

Select Portfolio Servicing (888) 818-6032
Fax: (801) 293-3936
Loan Resolution Department
P.O. Box 65250
Salt Lake City, UT 84165-0250
(Monday - Thursday 10:00 a.m. - 10:00 p.m. EST)
(Friday 10:00 a.m. - 7:00 p.m. EST)
(Saturday 9:00 a.m. - 1:00 p.m. EST)
Web: http://www.spservicing.com/services/customer/loanresolution.htm

SkyBank (800) 290-3359

Sun Trust Mortgage (800) 634-7928
PO Box 26149
Richmond, VA 23260-6149
Mail Code RVW 3003Web: https://www.suntrustmortgage.com/generalquestions.asp#

Third Federal Savings (888) 844-7333

US Bank (800) 365-7900

Wachovia Bank of Delaware (866) 642-8608

Washington Mutual (866) 926-8937 or (888) 453-3102 or (800) 478-0036 or (800) 254-3677

Waterfield Mortgage (800) 957-7245
Fax: (260) 459-5390
c/o Loss Mitigation Dept.
7500 W. Jefferson Blvd.
Fort Wayne, IN 46804
(7 am – 10 pm EST Monday – Thursday)
(7 am – 9 pm EST Fridays)
(8 am – 2 pm EST Saturdays)
E-Mail: saveyourhome@waterfield.com
Web: http://www.waterfield.com/scripts/cgiip.exe/WService=wfg/pub/borrowerservices/delqasst

Wells Fargo (877) 216-8448 or (866) 261-5642 or (800)766-0987 or (800) 678-7986 for payment assistance
Borrower Counseling Services
Monday - Friday 8:00 a.m. - 9:00 p.m., CT
Saturday 9:00 a.m. - 2:00 p.m., CT
Web: https://www.wellsfargo.com/mortgage/account/

Wendover Financial Services Corporation (800) 934-1081 or (800) 436-1022
Web: http://www.wendover.com/borrowers.html

Wilshire Credit Corporation (888) 502-0100
P.O. Box 8517
Portland, OR 97207-8517
From 6 a.m. to 5 p.m. (Pacific time) Monday through Friday
Web: http://www.wfsg.com/borrower/borrower.aspx

Loan Modification & Loan Workout Applications

Chase Loan Modification Application

Option One Loan Modification Application

HSBC Online Loan Modification Application

Private Contacts

Wendy Knafelc at Washington Mutual Loss Mitigation: (904) 732-8425 -- wendy.knafelc@wamv.net

We hope this helps you. If you decide you don't want to deal with the banks and all of their stall tactics for several months contact Professional Loan Consultants for help with your loan modifications.

Answers to Many Foreclosure Questions Revealed

2009-08-02T08:35:00.009-05:00

After several months of providing the highest quality of information on foreclosure protection remedies, we have decided to add even more content to our website. Now when you visit Professional Loan Consultants webpage, you will find some new tabs with even more information on how to protect yourself against foreclosure.

The newest feature is the Frequently Asked Questions section. This webpage will answer many of the questions you have about the loan modification process including how to stop foreclosure.

Another great page to visit is the Resources tab. This section allows users to find the estimated value of their home and look at recent listings and sales prices in the neighborhood. Visitors will also find a remedies to improve their credit with professional services to dispute inaccurate items appearing on their credit report and follow them on Facebook. There is even a link on the page where readers can get information on mortgages that maybe they can refinance and don't need to modify.

The Lenders section gives a list of many of the lenders that Professional Loan Consultants have worked with. Although your lender may not appear on the list, the professionals at PLC can help with most lenders so it is important that you contact them now.

Professional Loan Consultants has even added a site map for readers to make navigating their site even easier then before. Be sure to visit Professional Loan Consultants updated webpage to find out how to stop foreclosure with a loan modification.

Hope is NOT a Foreclosure Strategy

2009-07-26T10:11:00.005-05:00

As the economy worsens, so many people facing to stop foreclosure are waiting for a miracle to happen. Many have lost their jobs or had decrease in pay and have been using credit cards to live off of. They know they have worked there jobs for years and have always been able to support their family, but have been unable to find work.

Most people out of work have been trying to make ends meet and tried just about anything to get by. The problem right now is that the economy has been hit so hard that unemployment is over 9%. If you consider those who have been taking jobs for substantially less then what they are accustomed to making just to earn a living, you will find the real unemployment rate of our country is really about 15%.

With unemployment at these levels, big businesses are struggling to keep their doors open. We have seen so many good companies fold up or file for bankruptcy. The economy has been hit so hard that it has been very difficult for Americans to even find work.

When something like this happens to you, the first thing you need to do is prioritize your finances. Look for ways to cut back. Ask yourself questions like, “Do I really need to pay $100 per month for cable?” Or “Can I afford to eat out at restaurants regularly?” The trick is to find ways to cut back spending so you do not put yourself into a worse position. There is nothing worse then losing your job and amassing credit card debt. We’ve seen people from all walks of life coming in with over $80,000 in credit card debt!

The objective is to reduce all expenses to weather the storm and protect yourself from foreclosure. Another great way to reduce monthly expenses is to modify your mortgage. It is not uncommon for homeowners mortgage payments to exceed 50% of their income and if they can reduce that payment by all means they should do what ever is necessary.

With a loan modification from Professional Loan Consultants, homeowners will be able to reduce their payments substantially and help protect their credit. Many banks aren’t making loans like they used to and that’s part of the problem. So if you have been turned down for a refinance, you should always try to modify your loan.

The loan modification process is similar to obtaining a mortgage but yet different. The lenders will look at how much income the household is receiving and want documentation to verify hardship. They also calculate your monthly budget to make sure if you did get a modification, you can still afford the house and your other expenses. This draws a fine line because they do not want to see too much income but they also want to see that you are capable of meeting your expenses.

Obtaining a loan modification is a long process for most banks as they don’t have the staff in place to keep up with the need. The typical turn around time for a loan modification is about 6 months! So if you plan on trying to modify your loan yourself that you have the time to do it. Most banks are so busy that they are misplacing customer documents repeatedly and asking for faxes over and over again. Another dilemma most homeowners experience is that the banks will turn down the modifications but won’t give a reason why. Many times they may have made a mistake or are unclear on case facts so it is also important to know the processes or have someone on your team working on your loan whose familiar with these hassles and knows how to get around them.

The main thing to realize is that there are a number of things you can still do to improve your situation and that you have to take massive action during times of crisis. Hoping the situation will change is great but hope is not a strategy. You must have a precise plan of trimming all of your expenses, even if it means eating a home cooked meal with your family.

In our next session, we will be discussing other remedies to stop your lender right in their tracks and force them to work with you. So Stay tuned and give Professional Loan Consultants a call or visit them on the web

Trying To Sell Investment Property?

2009-07-18T15:57:00.001-05:00

Many homeowners who bought homes in the last ten years, also got caught up buying investment properties that are now losing big money. If you have investment properties that you can’t sell because you owe more then what the property is worth and can no longer afford to keep the property, a deed in lieu of foreclosure may be the best remedy for you.

A deed in lieu of foreclosure is the process involving deeding the home back to your lender. The homeowner gives the lender a properly prepared notarized deed and the lender forgives the mortgagee for the debt. This effectively cancels any pending foreclosure actions and allows owners to walk away from properties they can not afford to keep.

Deed in lieu of foreclosure is a suitable solution for homeowners who do not wish to keep their current residence or investment property. Lenders typically do not want to foreclose on homes because the process is so expensive. Many times the lenders would just prefer to take the property back as a measure of cutting their losses. When a lender takes a property back they try to sell them in their portfolio of REO properties (Real Estate Owned).

The team at Professional Loan Consultants can help troubled homeowners with loan modifications to help reduce mortgage payments and help people keep their homes. The problem many are facing right now is that they have bought houses with mortgages that are substantially higher then the mortgage balance owed and rents do not carry payments causing the owners to lose money. When property owners lose money on their investment property, it puts a strain on their financial situation. This could resort to further borrowing to stay even. They may even resort to using cash advances on their credit cards or other “Robbing Peter to Pay Paul” activities that only push them further in debt.

Continuously borrowing money hoping things are going to get better is a losing strategy. You must be proactive especially in this economy. If you would like to get more information on how to get out of a losing investment that you have made, call a consultant from Professional Loan Consultants to arrange a free consultation and find out how a deed in lieu of foreclosure can work for you.

They Need Homes Too!

2009-07-08T23:29:00.000-05:00

It's true we ALL need a place to stay and park our heads down at night. Just today(July, 8 2009) nearly 500 dogs, were seized form the kennel out in Bowie, Texas. Many of them were severely mistreated with skin conditions and open sores. Authorities recieved severeal complaints regarding the animals not receiving proper veterinary care and even found many dead animals on premises.

The local sheriff's investigators found 496 dogs on the property and they were the sickest animals were held in a back room where customers were not allowed. Sandy Grambort of the Humane Society of North Texas said, "From what I understand, two animals were rushed to a local vet for critical care."

PetSmart Charities donated several hundred dog crates, and food and water bowls on Tuesday afternoon.

Although there health and condition have yet to be determined, we are trying to help all of the poor dogs immediately find good homes. Donations to help these abused and neglected animals are desperately needed and will allow these helpless dogs find loving homes and give them a chance at life.

Volunteers with United Animal Nations will help care for the dogs until homes all the dogs are place in caring homes. For more information on how to adopt one of these abused animals, or contributing to their care, please contact the Humane Society of North Texas at 817-332-4768 or visit them at www.hsnt.org

So if you are looking for a companion or know anyone who is, please share this article with them.

Independence Day Means No More Foreclosure

2009-07-03T09:07:00.000-05:00

This weekend many will be celebrating our country’s independence for what our country was founded. It was our ability to break away from the mother country with all their unfair rules, kind of like what’s going on with the banks and our country right now.

The government is giving the banks BIG money for the TARP program and expecting the banks to pass the TARP money around and help Americans with Loan Modifications, but the big banks are acting selfish again and who knows what the heck they are even doing with that money?

America, you deserve your independence!

That’s why we are joining together in our crusade to fight back at the big banks and are offering our FREE tele-seminar to help our fellow Americans keep their homes and gain back their independence.

So if you have been a victim of the bad economy, tired of getting ripped off by your lender, behind on your mortgage, or just finding more month at the end of your paycheck, sign up for our Free tele-seminar and find out How to Keep Your Home and Stop Foreclosure EVEN if You are Behind on Your Mortgage.

Sign up at www.professionalloanconsultants.com/freereport.html and reserve your free seat to fight back and gain your independence!

There will only be 100 lines open, so if you don’t get in, please keep trying because this is so important, we are trying to add more phone lines.

Reserve your spot now: www.professionalloanconsultants.com/freereport.html

How To STOP Foreclosure Even If You Are Behind on Your Mortgage

2009-06-20T16:22:00.000-05:00

If you are currently behind on your mortgage or know it will be a matter of time before you slip up on your mortgage and want to keep your home, a loan modification is an excellent way to help make your home affordable again. A Loan Modification is a permanent change in one or more of the terms of a mortgagor's loan which allows the loan to be reinstated and results in a lower payment the homeowner can afford. This is an excellent way to stop foreclosure for anyone who wants to keep their home and can’t afford their mortgage payments. Loan modifications also help protect homeowner’s credit scores because it enables them to make their payments on time with a payment they can afford.

Loan modifications are effective because they take all of your regular expenses into consideration on your over all budget to see what you can really afford. This is effective because your lender overlooked many of these expenses when they qualified you for your loan. They look at how much you spend on heating, electric, car insurance, life insurance, groceries, phone bills, and internet to make sure you can afford your current lifestyle, while keeping your homes.

Loan modifications are available to anyone who has suffered a financial hardship. A financial hardship can be defined as any type of event that would have caused a permanent or temporary decrease in income or unexpected bills. Things like divorce, death in the family, business failure, loss of job, medical illness, or even a decrease in pay. These are all factors that lenders look for when issuing loan modifications.

A loan modification is a great remedy available for those who tried to refinance, but were turned down by their lenders because they either owe more on the home then what it is currently worth, or have suffered from an economic hardship or medical condition. Loan mods are effective because they allow you to keep your home even if you can not afford your current monthly payments and can be tailor made to fit your budget. Loan modifications are the best way to stop foreclosure because they may allow you to defer the amount you are currently delinquent on and add that in to the loan.

Because there are so many advantages with loan modifications, there is a large number of people trying to take advantage of these special programs to get relief from their lenders. Many of the banks will even get money from the government when they modify your loan as part of the economic bailout. This is advantageous to the banks because it allows them to turn their nonperforming assets in to performing assets which allows them to keep operating.

If you would like to get a loan modification, there are plenty of companies offering to assist you, but you need to be careful who you are working with. You want to make sure that the firm assisting you in your loan modification is attorney backed and has an attorney available to assist you in your transaction and help answer any legal questions you might have. It is okay to pay a reputable firm an upfront fee to help you with a loan modification because of the extensive work required, as long as they have some sort of money back guarantee for nonperformance.

Due to the excessive amount of people in need and banks not properly staffed to assist with loan modifications, they tend to take a long time to process. That is why it is important to have an attorney based firm who can assist you when you are ordered to go to court for foreclosure proceedings. In many cases, just having a note from your modification company and their attorney will allow you more time to stay in your home while completing your loan modification.

For more information on how a loan modification can help you, or how to stop foreclosure, go ahead and sign up for our free teleseminar and learn how to save your home from foreclosure even if you are currently behind on your mortgage payments. Click Here Now: http://www.professionalloanconsultants.com

Homeowners Get FREE Relief to Prevent Foreclosure

2009-06-09T15:26:00.001-05:00

Homeowners Get FREE Relief to Prevent Foreclosure

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