What is a predatory Loan

WHAT IS A PREDATORY LOAN?

IF A LOAN IS NOT SUITABLE TO YOUR NEEDS, IF IT’S NOT A LOAN THAT WILL SUSTAIN LONG TERM HOME OWNERSHIP OVER A PERIOD OF TIME. IF YOU HAVE FOUND THAT YOU HAVE FALLEN BEHIND IN THE FIRST COUPLE OF YEARS, THEN YOU ARE PROBABLY IN A PREDATORY LOAN.

If you had your house foreclosed on
If you know someone who lost their house and that foreclosure was in the name of a TRUST,

I am here to tell you, that foreclosure was IMPROPER.

Now, I did not say ILLEGAL at the present moment, because that depends.

But I will guarantee you, it was IMPROPER and never should it have happened.

So I don’t care if you already lost the house, I don’t care what anyone else has told you,

if you have not had
your rights defended, you have not had your rights.

You need to know that your rights are VIOLATED

You have the ability for JUSTICE

And even if the house is long gone and you do not want to be there anymore,

if the memories will not serve you anymore, you absolutely have the right to economic justice.
Because that is the only thing that anyone is going to understand.

It is part of the laws that exist in every part of this;

there are DRACONIAN measures against lenders that cheat.

Under consumer protection, consumer fraud, HOEPA, TILA, RESPA,

It is supposed to be painful to brake the law and your rights have been abridged.

You have the right to defend yourself.
You need information.

Information is POWER.

I can provide you that information.

Whatever anyone chooses to do with it is up to him or her.
How is defended, is up to the lawyers.

But I can provide you with the information necessary
To find out if you being a victim deserves someone paying a price.

YOU NEED TO FIND DECENT COUNSEL, YOU NEED TO GET IN CONTACT WITH ME, TO GET YOUR LOAN ANALYZED, YOUR FORECLOSURE ANALYZED, YOU NEED TO GET THE INFORMATION TOGETHER WITH THE PROPER ATTORNEYS AND YOU NEED TO GO FIGHT!

HOPE IS A WONDERFUL THING TO HAVE,
A-PLAN IS EVEN BETTER!

BEWARE OF CREDIT REPAIR

SPECIAL REPORT—There is no such thing as credit repair!
Over 50% of Americans will need to improve their financial situation before they purchase a home, refinance their present home apply for an auto loan or attempt to get any other credit.
You, like many others, may be tempted to use so-called "credit repair" companies to help you with your credit troubles. For years, credit repair counselors, credit doctors, and credit attorneys have claimed that they can "increase your scores in 30-60 days," or "delete any derogatory information from your credit report." They will dispute all derogatory credit information on your credit profile with the 3 credit bureaus on your behalf. We call this the "Write and Pray" method, write and pray the problem will go away. Frivolous disputes are recorded by the bureaus and can have a negative effect limiting your ability to properly resolve items. Do not be fooled! What you may, or may not already know is that THERE IS NO SUCH THING AS CREDIT REPAIR! Do not use companies that claim they can "legally remove" items, or "delete" valid, verifiable information from a credit report. If they can really do what they claim, no one would have bad credit. Below you will see some of the gimmicks and tactics used by credit repair companies to entice many Americans into using their programs. You will be amazed! With OUR SERVICES' you will learn how we can assist you in resolving your credit issues and the difference between Let's Talk Credit Scores and so-called 'credit repair' companies and how it can help you with the largest life affecting aspect YOUR CREDIT.
LET'S TALK CREDIT SCORES vs. CREDIT REPAIR
The main premise of credit repair revolves around "disputing and challenging" derogatory information from your credit report. The bureaus contact the creditor for validation. In theory, the credit bureaus have 30-days by law to respond to your dispute or they must, by law remove this item from your report. However, through technological advancements, these requests are processed in no time at all. Credit repair companies will then re-dispute items over and over each month praying someone will slip up (doesn't happen today). This is the perfect case of 'The Boy Who Cried Wolf.' The bureaus will respond to you in a letter stating something to the effect of "Please stop attempting to make frivolous disputes. Your accounts have been verified to be yours and will remain on your credit report." Your file is notated each time you contact the bureaus. Now what do you think will happen when you are really trying to resolve something that really is incorrectly reporting on your profile? The bureaus will ignore all future requests on that item, even valid ones. Don't let this happen to you! Below, we have listed some of the major claims that credit repair companies make towards consumers to entice them into working with them. We encourage you to do a simple search online under "credit repair" and view some of the many companies out there claiming that they can do some of the things listed below. You are now smarter than the average bear. You will know better. Please see 'OUR SERVICES' to learn how we can be of value to you and avoid getting scammed by another credit repair company. Start being helped and stop being hurt.
Taken directly from a letter from Equifax to a consumer: There is a brisk business among so-called "credit-repair" companies that charge from $50 to more than $1000 to "fix your credit file." In many cases, these so-called "credit repair" companies take your money and do little or nothing to improve your credit file. There are no quick or easy cures for poor credit history. If a credit repair company promises you it can clean up your credit file, remember the following: 1. Your credit history is maintained by private companies called credit reporting agencies that collect information reported to them by banks, mortgage companies, department stores, and other creditors. They also retrieve public information from courthouses. 2. These credit-reporting agencies can legally report accurate credit information for seven to ten years as well as some bankruptcy information for ten years. 3. Information cannot be erased from your file by companies advertising "credit repair" or anyone else making these types of claims if the information is accurate and meets legal time restrictions for reporting credit information 4. The only information in your credit profile that can be changed is information found to be inaccurate. - Equifax Let's Talk Credit Scores provides everything for an individual's credit report and score: Education, advice, and most importantly the assistance of properly resolving any issues you might have. We share with you everything you need to know about improving and maintaining a higher credit score. It's not just about "paying off" outstanding debts. You could still have a low score if you have never missed a payment. There is valuable information and advice that we can share with you in managing and maintaining good credit. In some cases, you may have some leg-work needed to be done such as contacting creditors, researching accounts, negotiating settlements, preparing letters to update verified information with the bureaus, etc. If you do not have the time or patience to do any necessary leg-work that may be required, you can hire us to do it all for you. FALSE CLAIM: Credit Repair companies claim they can legally remove, delete, or eliminate valid, verifiable information from your credit profile. LTCS TRUTH: These companies boast they have removed "thousands" of items from credit reports to date. All they are doing is simply updating inaccurate information - not deleting verifiable information. In the rare cases that they do have something deleted where a creditor could not respond in 30-days or less, it will only pop-up once again down the line when the creditor does finally respond, and after you have paid hundreds, or thousands of dollars to have it once removed. And homebuyers beware! Public records will still come up under a title search even if they do not show on your credit report. FALSE CLAIM: Beware of companies that boast 'debt consolidation,' 'debt settlement,' credit counseling,' etc.

　
　
SPECIAL REPORT—There is no such thing as credit repair!
FALSE CLAIM: They offer you a "100% money-back guarantee."
LTCS TRUTH: Read between the lines! Most "guarantees" are effective if you have completed their specified time of contract (typically 1 year) and if your scores have not gone up. Simply pay your bills on time each month for a year and your score will absolutely go up! Your scores will go up if they do not get anything deleted, thus voiding your "money-back guarantee."
FALSE CLAIM: Many companies take pride in claiming that they have teams of Attorneys that can assist you with powerful legal backing.
LTCS TRUTH: Often times, Attorneys will know no more than you do about resolving many issues at hand. Remember, we have already established that there are no "legal loopholes" or legal tactics to have items magically erased from your credit report. Now why would you need to hire an Attorney to do anything for you regarding your credit profile? And do you not think that the credit bureaus do have any legal counsel?
FALSE CLAIM: The famous claim "Removing old, negative items makes your scores go up!"
LTCS TRUTH: Did you know that the most significant impacts on your score are affected from anything within the past 24 months? If a company could get a delinquent payment deleted from your credit report from 4 years ago, or that old collection form 5 years ago, it would have virtually no impact on your score. The most important factor for raising your scores are open, revolving accounts…. Credit cards! Have them, use them… you need them!
FALSE CLAIM: "The client saves significantly more compared to the cost of service."
LTCS TRUTH: Time and time again, we work with people that were charged $1500, $1900, $2400 and more. They were promised that their derogatory information would be removed from their credit report. Most of them had outstanding debts that totaled less than they were being charged to have them removed! Pay your debts, for less than what it would cost you to have them attempted to be removed! Now, not only are you still stuck paying them, but also out the extra $1500, etc. that you paid your "credit repair" company to try and have them removed! Think about the time also lost in attempting to have things removed when they could have been resolved a year ago the proper way.
FALSE CLAIM: Companies claiming to "Add seasoned trade-lines to your account."
LTCS TRUTH: What they are doing is adding you as an authorized user under their networked pool of people for upwards of $1000 per account promising this will increase you scores over 100 points. Please click on the following link. You will see how the credit scoring model is changing because the credit bureaus have caught on to this quick fix scheme. Don't waste your money! It will not help you! http://www.credit.com/credit_information/credit_report/Consumer-Alert-FICO-Formula-Changes.jsp
For additional information please call 732 439-8230 or email aristafg@gmail.com.
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　
　

PROJECT BRAKE-FREE

Project BREAK-FREE

Why? Because until a person loses the limiting mind of ego, they cannot experience life beyond what their negative egos will allow them to experience.

God blessed me with finding the knowledge, helped me seek and find the wisdom to MIND CHANGE so that I may be TEN FEET TALL AND BULLET PROFF.

So that I may Stand Up, Do a SELF EVALUATION; Change My Mind Set And DARE TO FIGHT BACK Against The Unfair Practices of The Financial System and Gain FAIR ECONOMIC JUSTICE.

This is NOT Just about a Foreclosure Fight.

This is About a MIND SHIFT.

How do you like waking up knowing BIG BANK owns your present and future?

I want to set folks up for a CHANGE
I want to help folks RENEW their own vows into self

WHY? Because the lesson is not what to do to fight your Foreclosure, but rather how to THINK while you do.

Now step back from what I just said and see if you can locate the profound truth

And isn’t also true that those who fail always fail and always quit and leave and don’t they pack up their failed minds and take their failure with them where ever they go? Yes that’s quite true.

Therefore, the secret lies not in what to do, but more in how to think while you are doing it.

92% Will SHRED or THROW AWAY This NOTICE, Along with Their Equity, Asset and Lifestyle

8% Will take ACTION, Grab The Bull By The Horns, Do their Research, Come To Terms With Reality And What is REALLY Going On

God has a plan for everyone! This is mine. To help the 8% CHANGE Their Lives

To get my newsletter for continuous support and updates email me @ nikonj27@gmail.com with your full name and address.

Incompetence of mortgage lenders

Foreclosure case workers or loss mitigation representatives go to nearly any lengths to avoid helping their clients. It seems they do anything possible in order to delay a resolution, instead allowing the home to get dangerously close to the sheriff sale before turning down the workout program entirely.
In cases where the homeowners are facing the loss of their homes due to negligence or fraud on the part of the lender, the incompetence is especially frustrating. Our observations over years have alerted us to a few of the various ways that banks push paying customers into foreclosure in order to steal the home and extract the largest profit possible at the expense of the homeowners. This type of scam is mostly perpetrated by servicing companies and operates in several ways, all of which we have witnessed numerous times.
Homeowners in these and similar situations may feel as if they are the only ones caught up in some kind of Kafkaesque debacle. The lenders play the part very well through their own genuine incompetence at the customer service level. Remaining on hold for three hours a day just to confirm that a fax has been received (when it had not been received any of the previous three times it was sent) is a simple tactic resulting from understaffed loss mitigation departments and increasing foreclosures. But more and more experience and research shows us that these are not isolated events, but carefully planned manipulations of mortgages, resulting in forced foreclosures.
Possibly the most common scam that we have witnessed is when the lender places a forced insurance policy on a property. They claim they have not received proof of insurance and then force the owners to pay extra every month for the policy. Often, they place the insurance without informing the homeowners, who make their regular monthly payment, which is first applied to the policy and then to interest and principal. This makes them late on the bill even though they are paying on time every month. Faxes to the lender of proof of insurance will not convince them, if they confirm receiving the documents at all. Homeowners may only learn of the insurance policy when they are being sued for foreclosure, and assume that a horrible mistake had been made.
Another way that mortgage servicing companies push properties into foreclosure is by paying the property taxes late and charging the late fees to the homeowners' account. The next payment the homeowners make will be applied to the taxes and late fees, while the principal and interest will be partially late. Again, the foreclosure victims may not realize the scam until they are being sued and their home is scheduled to be sold at a county auction. Even then, they may have little idea of how to defend themselves in court against a company with thousands of successful foreclosures behind it who has hired local attorneys that specialize in such cases. The loss of the home may be all but guaranteed at this point.
These are the two most common ways, in our experience, that servicing companies have been known to force homeowners into foreclosure. The deviousness of the scam, combined with the bureaucratic inefficiency of many of these companies, often create the impression that errors have been made that can be corrected, as long as the homeowners can talk to someone, explain what happened, and straighten out the mess. Unfortunately, customer service centers may be specifically designed to delay the homeowners as long as possible, leading them to believe they are working out a solution, while the attorneys proceed ever more quickly to the foreclosure auction.
Even more unfortunate is the fact that homeowners have little alternative when they become a victim of this scam. Once they are behind in payments or in foreclosure, the servicing company will make absolutely sure that the balance due on the loan strips the property of its equity. This also dramatically decreases the chance of qualifying for a foreclosure loan or other solution, and increases the amount necessary to begin a repayment plan with the company. A house with little equity can not even be sold quickly enough to ensure that there will be any equity by the closing. The servicing fraud scam is one of the most disturbing in the industry, and one every homeowner should be aware of, because the power of the perpetrators so outweigh the victims in terms of money, legal expertise, and previous successful cases.

The Shuttering Truths That Will Blow Your Mind

Truth 1: 92% Of Foreclosures Go Uncontested, but 8% DO NOT

Truth 2: 92% of Homeowners have their Houses STOLEN from them because they were NOT DILIGENT in Their Search for Truths

Truth 3: 92% Relied On Banks And Government For a BAIL OUT and DID NOT know that Loan Modifications Are ILLEGAL

Truth 4: 92% Did Not Know That The Banks DO NOT OWN The Note of the Mortgage, So They CAN NOT Modify Properly Something They DO NOT Own

Truth 5: 92% Were Either Turned Down For a Loan Modification or the Ones that Did Get One fell BEHING AGAIN within 6 Months

Truth 6: 92% DID NOT Know That A Lot of The Mortgage Loans In The Last Decade were ILLEGAL, As Well As The Process, Closing, Servicing, Sale Of The Loan, and Foreclosure Process

Truth 7: 92% DID NOT Know Short Sales CAN BE ILLEGAL

Truth 8: 92% Will IGNORE these TRUTHS, will not be DILIGENT or PROACTIVE and will have their Homes Stolen From Them through FORECLOSURE

Truth 9: 92% Will SHRED or THROW AWAY This NOTICE, Along with Their Equity, Asset and Lifestyle

Truth 10: 8% Will take ACTION, Grab The Bull By The Horns, Do their Research, Come To Terms With Reality And What is REALLY Going On

Truth 11: 8% Will Stand Up And DEMAND FAIR ECONOMIC JUSTICE, And CLAIM as Theirs What The Financial System Is Trying To STEAL From Them, THEIR HOME

Truth 12: 8% Will Be DILIGENT, Search For The TRUTHS, Will Not Wait For a BAIL OUT From Government Or Banks, DARE TO FIGHT And Keep Their AMERICAN DREAM



No Matter How Many Programs and Opportunities
You are Presented with And No Matter How Hard You Try
To Save Your Home You Will Continue To Fail
Without Learning THE SYSTEM OF SELF

* Put Yourself In Control
* Put Yourself In a PROACTIVE ROLE
* Put Yourself In a DILIGENT Mind Frame
* Put Yourself In a DARE TO FIGHT Mode
* Put Yourself In a position to accept God’s Divine Plan of wealth and Home Ownership

It Is God’s PLAN for you to receive This Notice so that you may DISCOVER The Truths And CHANGE The Rest Of Your Life

There is No substitute for truth

The Truth Exists In Abundance
But The DEMAND For It Is Scarce


GROWTH COMES THROUGH CHANGE


WHAT People Don’t Know is Costing Them
Their Very Lives And They Are Walking
Away From Equity, Asset And Lifestyle

HOW DOES IT FEEL TO CONSTANTLY WONDER WHEN THEY ARE GOING TO CALL OR STICK THE SHERIFF’S SALE NOTICE ON YOUR DOOR?
HOW DOES IT FEEL TO BE PETROFIED THAT ANY DAY NOW THEY WILL EVICT YOU FROM YOUR HOME?



My Challenge to you is, “which one are going to be.
The 92% or the 8%?

BANK DO EVERYTHING POSSIBLE TO AVOID RESOLUTION

It is always amazing to see the complete incompetence of mortgage lenders. When working with these homeowners, foreclosure case workers or loss mitigation representatives go to nearly any lengths to avoid helping their clients. It seems they do anything possible in order to delay a resolution, instead allowing the home to get dangerously close to the sheriff sale before turning down the workout program entirely.
In cases where the homeowners are facing the loss of their homes due to negligence or fraud on the part of the lender, the incompetence is especially frustrating. Our observations over years have alerted us to a few of the various ways that banks push paying customers into foreclosure in order to steal the home and extract the largest profit possible at the expense of the homeowners. This type of scam is mostly perpetrated by servicing companies and operates in several ways, all of which we have witnessed numerous times.
Homeowners in these and similar situations may feel as if they are the only ones caught up in some kind of Kafkaesque debacle. The lenders play the part very well through their own genuine incompetence at the customer service level. Remaining on hold for three hours a day just to confirm that a fax has been received (when it had not been received any of the previous three times it was sent) is a simple tactic resulting from understaffed loss mitigation departments and increasing foreclosures. But more and more experience and research shows us that these are not isolated events, but carefully planned manipulations of mortgages, resulting in forced foreclosures.
Possibly the most common scam that we have witnessed is when the lender places a forced insurance policy on a property. They claim they have not received proof of insurance and then force the owners to pay extra every month for the policy. Often, they place the insurance without informing the homeowners, who make their regular monthly payment, which is first applied to the policy and then to interest and principal. This makes them late on the bill even though they are paying on time every month. Faxes to the lender of proof of insurance will not convince them, if they confirm receiving the documents at all. Homeowners may only learn of the insurance policy when they are being sued for foreclosure, and assume that a horrible mistake had been made.
Another way that mortgage servicing companies push properties into foreclosure is by paying the property taxes late and charging the late fees to the homeowners' account. The next payment the homeowners make will be applied to the taxes and late fees, while the principal and interest will be partially late. Again, the foreclosure victims may not realize the scam until they are being sued and their home is scheduled to be sold at a county auction. Even then, they may have little idea of how to defend themselves in court against a company with thousands of successful foreclosures behind it who has hired local attorneys that specialize in such cases. The loss of the home may be all but guaranteed at this point.
These are the two most common ways, in our experience, that servicing companies have been known to force homeowners into foreclosure. The deviousness of the scam, combined with the bureaucratic inefficiency of many of these companies, often create the impression that errors have been made that can be corrected, as long as the homeowners can talk to someone, explain what happened, and straighten out the mess. Unfortunately, customer service centers may be specifically designed to delay the homeowners as long as possible, leading them to believe they are working out a solution, while the attorneys proceed ever more quickly to the foreclosure auction.
Even more unfortunate is the fact that homeowners have little alternative when they become a victim of this scam. Once they are behind in payments or in foreclosure, the servicing company will make absolutely sure that the balance due on the loan strips the property of its equity. This also dramatically decreases the chance of qualifying for a foreclosure loan or other solution, and increases the amount necessary to begin a repayment plan with the company. A house with little equity can not even be sold quickly enough to ensure that there will be any equity by the closing. The servicing fraud scam is one of the most disturbing in the industry, and one every homeowner should be aware of, because the power of the perpetrators so outweigh the victims in terms of money, legal expertise, and previous successful cases.

Leading Dem Says Obama Housing Plan 'Has Failed Miserably'

Leading Dem Says Obama Housing Plan 'Has Failed Miserably'
Senate Majority Whip Dick Durbin Deals Blow to Obama Mortgage Modification Program
AS YOU ARE READING THE FOLLOWING ARTICLE FOUND ABC’S WEB SITE, PLEASE KEEP IN MIND A COUPLE OF VERY BIG POINTS:
1-LOAN MODIFICATONS ARE ILLEGAL. THE BANKS/SERVICERS CANNOT NEGOTIATE ON YOUR LOAN, BECAUSE THY DO NOT OWN THE NOTE. ONLY THE OWNERS OF THE NOTE HAVE THE RIGHT TO NEGOTIATE. THERE COULD BE MANY OWNERS OF YOUR NOTE AND COULD BE ALL OVER THE WORLD. DO NOT BE FOOLED WHEN THEY TELL YOU THAT THE TERMS THEY ARE OFFERING YOU ARE SET BY THE OWNERS OF THE NOTE. INSIST ON KNOWING WHOM THE OWNERS OF THE NOTE ARE AND ASK HOW YOU CAN GET IN TOUCH WITH THEM. SEE WHAT THEY HAVE TO SAY ABOUT THAT.
2-THE ARTICLE SAYS THAT ONLY 360,165 HOMEOWNERS HAVE HAD LOAN MODIFICATIONS STARTED. THE KEY WORD HERE IS STARTED. YOU CAN START ANYTHING YOU WANT, BUT IT DOES NOT MEAN THAT IT IS DOABLE OR THAT THERE IS AN INTENT ON FINISHING IT. ANYONE CAN FILE SOMETHING, BUT IT DOES NOT MEAN IT WILL GET DONE!
3-MOST OF THE LOANS GIVEN OUT IN THE LAST DECADE WERE NEVER MEANT TO PERFORM. THEY WERE NEVER MEANT TO BE REPAID. THE LENDERS INSURED THEM MULTIPLE TIMES AGAINST DEFAULT AS WELL AS THE TIME THAT THE DEFAULT WOULD ACCURE. AND THEN THEY SOLD THEM AS AAA RATING LOANS TO MULTIPLE INVESTORS. NOW THEY ARE TRYING TO FORECLOSE ON SOMETHING THEY DO NOT OWN. THEY COULD CARELESS IF THEY MODIFY THE LOANS OR NOT. THEY ALREADY GOT PAID. THE ATTEMPT TO MODIFY LOANS AND THE FEW HERE AND THERE THAT WERE DOWN IS A SMOKE AND MIRROR TACTIC TO KEEP THE HOMEOWNER BUSY AND NOT ASK THE REAL QUESTIONS ON ALL THE FRAUD THAT HAS BEEN GOING ON BY THE BANKING SYSTEM. BUT THERE ARE LAWS IN PLACE TO PROTECT THE HOMEOWNER.
THEY ARE LIEING WITH A STRAIGHT FACE OVER AND OVER AGAIN AND THE AMERICAN PEOPLE KEEP BELIEVING THEM AND HANGING ALL THEIR HOPES ON EMPTY PROMICES!




By MATTHEW JAFFESept. 9, 2009

The second-most powerful Democrat in the Senate called the Obama administration's program” a waste of time" Wednesday, hours after the White House released disappointing new data about the program's effectiveness.
This morning, the Treasury Department announced that the program had helped 360,165 homeowners reduce their mortgage payments. However, that is only 16 more homes than received new foreclosure filings during the month of July, according to RealtyTrac.
In response to the new data, Senate Majority Whip Dick Durbin said, "Waiting for banks to 'volunteer' to end this foreclosure crisis is a waste of time. Treasury's latest report shows this approach has failed miserably."

Other high-profile servicers have produced better results, with JP Morgan Chase helping 25 percent of eligible borrowers and CitiMortgage 23 percent. Saxon Mortgage Services had the highest help rate of 39 percent.
Overall, out of 2,965,980 homeowners that are eligible for help under the plan, Treasury said that 572,354 have been offered loan modifications, a rate of 19 percent, but only 360,165 have had modifications started at a rate of only 12 percent.
The new numbers demonstrate that the program -- initiated last spring -- is now gaining traction, but much work remains to be done if the administration is going to meet its goal of helping 500,000 homeowners before Nov. 1, as well as an eventual total of 3 to 4 million homeowners

PATRIOTIC RETIREMENT PLAN

I got this from my buddy Sam and it is so GREAT I had to share it!!!! It only goes to show you that common sense can solve all our problems….but special interests $$$$, POLITICIANS, and the GLOBAL SYSTEM that is set up to only make the few richer than rich is going to always win, unless we, as citizens become more PROACTIVE!
This is from an article in the St. Petersburg , FL TimesNewspaper on Sunday. The Business Section asked readers for ideas on “How Would YouFix the Economy?” I think this guy nailed it! Dear Mr. President: Please find below my suggestion for fixing America ’s economy. Instead of giving billions of dollars to companies that willsquander the money on lavish parties and unearned bonuses, use thefollowing plan. You can call it the Patriotic Retirement Plan: There are about 40 million people over 50 in the work force. Pay them $1 million apiece severance for early retirement withthe following stipulations: 1) They MUST retire. Forty million job openings – Unemploymentfixed. 2) They MUST buy a new American CAR. Forty million cars ordered- Auto Industry fixed. 3) They MUST either buy a house or pay off their mortgage -Housing Crisis fixed. It can’t get any easier than that! If more money is needed, have all members of Congress and theirconstituents pay their taxes… If you think this would work, please forward to everyone youknow. If not, please disregard. Then shoot yourself!!!! 1 job opening

HOMEOWNERS FIGHT BACK!

ATTENTION HOMEOWNERS!
FIGHT YOUR PREDATORY LOAN, FIGHT YOUR FORECLOSURE

ARE YOU A HOMEOWNER GOING IN TO DEFAULT ON YOUR HOME MORTGAGE?

ARE YOU A HOMEOWNER THAT’S BEING FORECLOSED BY YOUR BANK?

ARE YOU A HOMEOWNER THAT ALREADY HAS BEEN FORECLOSED BY THE BANK?

DO YOU FEEL LIKE YOU HAVE A LOT OF QUESTIONS AND NO ANSWERS?

DO YOU FEEL THERE ARE NO OPTIONS OUT THERE FOR YOU?

A-PLAN IS A CONSUMER ADVOCACY GROUP OUT THERE FOR YOU!

A-PLAN WANTS TO HEAR FROM YOU!

YOU CAN GET A-PLAN @ WWW.MYBANKLIEDTOME.COM OR 732-439-8230

A PLAN IS A CONSUMER ADVOCACY GROUP THAT DOES COMPREHENSIVE LOAN MORTGAGE ANALYSIS, AND I SAY COMPREHENSIVE BECAUSE THERE ARE PEOPLE THAT ARE OUT THERE THAT SAY THAT THEY ARE GOING TO DO A LOAN ANALYSIS BUT THEY DO NOT GIVE YOU EVERYTHING THAT YOU NEED.

A-PLAN WILL GO THROUGH:
THE ORIGINATION OF THE LOAN
THE PROCESS OF THE LOAN
THE CLOSING OF THE LOAN
THE SERVICING OF THE LOAN
THE SALES OF THE LOAN IN THE SECONDARY LOAN MARKET
THE SECURITAZATION OF THE LOAN
THE POOLING AND SERVICING AGREEMENTS OF THE LOAN
THE FORECLOSING PROCESS OF THE LOAN
(THE FORECLOSURE PROCESS IS ONE OF THE MOST IMPORTANT PIECES OF THE LOAN LIFE ITSELF. THERE ARE BANKS OUT THERE, THAT ARE CHEATING THE SYSTEM EVEN IN THE COURTROOM BY LIEING ABOUT THE PAPERWORK THEY ARE SUBMITTING, THEY ARE COMMITING FRAUD IN THE COURT THEY ARE COMMITING FRAUD IN THE PUBLIC, THEY ARE COMMITING FRAUD ON YOU.)

A-PLAN HAS LITIGATION SUPPORT SERVICES GROUP IN THEIR ORGANIZATION AS WELL, THAT CAN WORK WITH YOU AND MORE SPECIFICALY YOUR ATTORNEY.

IF YOU ARE IN A FORECLOSURE ALREADY, OR IF YOU HAVE NOT STARTED YOUR FORECLOSURE, BUT YOU WANTED TO PROACTIVELY SUE YOUR BANK FOR BEING IN A PREDATORY LOAN YOU NEED TO HAVE A COMPITENT ATTORNEY. IF YOU DO NOT HAVE A COMPITENT ATTORNEY YOU CAN CONTACT A-PLAN @ 732 439-8230. A-PLAN DOES HAVE INFORMATION ABOUT ATTORNEYS IN PARTICULAR AREAS. THEY MAY HAVE ONE IN YOUR AREA OR THEY MAY BE ABLE TO DIRECT YOU TO A PLACE WHERE YOU CAN FIND ONE IN YOUR AREA.

ONE THING THAT IS TRUE IS YOU HAVE THE RIGHT TO FIGHT IF YOU ARE IN A PREDATORY LOAN.

WHAT IS A PREDATORY LOAN?

IF THE LOAN IS NOT SUITABLE TO YOUR NEEDS, IF IT’S NOT A LOAN THAT WILL SUSTAIN LONG TERM HOME OWNERSHIP OVER A PERIOD OF TIME. IF YOU HAVE FOUND THAT YOU HAVE FALLEN BEHIND IN THE FIRST COUPLE OF YEARS, THEN YOU ARE PROBABLY IN A PREDATORY LOAN.

YOU NEED TO FIND DECENT COUNSEL, YOU NEED TO GET IN CONTACT WITH A-PLAN, TO GET YOUR LOAN ANALYZED, YOUR FORECLOSURE ANALYZED, YOU NEED TO GET THE INFORMATION TOGETHER WITH THE PROPER ATTORNEYS AND YOU NEED TO GO FIGHT!

HOPE IS A WONDERFUL THING TO HAVE,
A-PLAN IS EVEN BETTER!