NON-PROFIT or NON-INTERESTED?

Sunday August 30, 2009, and as I am sitting in front of my PC checking my emails and various articles to educate myself more about current events, I came across this one that hit home and provoked an EXTREMELY high level of interest in me as I am a FORECLOSURE SURVIVOR, and it should to you as well, with the bullshit and lies that just keep going on and on. Politicians, Washington, BIG GOV & BIG BANK only have one interest: Make more & more money and keep it among their group. They could careless how they make it, who they hurt, how badly they damage US and GLOBAL economies, and how everyday hard working folks survive.

Please read the entire article, pay special attention to the highlighted areas, and most importantly MAKE SURE you read the information I found at the end of the article! IT WILL BLOW YOUR MIND!

The article’s title is:
Caught in foreclosure relief scam, a couple loses their home
Written by BY MATT OLBERDING / Lincoln Journal Star Posted: Saturday, August 29, 2009 11:55 pm
Denise and Kevin Barret thought they had found a solution earlier this year after they fell behind on their mortgage.
One night in February, they saw a television ad for the Federal Loan Modification Law Center, a very official-sounding entity that promised it could reduce homeowners' payments while saving their homes from foreclosure.
So the Barrets called the number and were told that for an initial payment of $995 the company could renegotiate the couple's delinquent mortgage and get them a better interest rate and more affordable payments.
It sounded like a good deal, and the company at the time had a reasonable rating with the Better Business Bureau, Denise Barret said.
So the Barrets signed up.
Denise said she was in contact with the company weekly as representatives told her they were negotiating with Liberty First Credit Union, the Barrets' lender.
Every time the Barrets got a letter or phone call from Liberty First, Federal Loan Modification Law Center representatives told them to ignore it, saying it was just a scare tactic, Denise said.
"They kept telling us, 'Don't call the bank, it will just slow down the process. Don't offer them any money,'" said Kevin Barret.
That's exactly the opposite of what credible experts advise for homeowners who fall behind on their mortgages.
The result: Around the first of May, the Barrets received a letter from Liberty First, informing them their home was scheduled to be sold at auction.
Frantic, Denise said she called the credit union.
"Liberty First said they had never heard from them," she said.
The Barrets bought a century-old house near 120th and Nebraska 2 in 2004. They paid $165,000.
The couple had moved back to Nebraska in 1999 after Kevin served in the Marine Corps. They initially settled in Eagle.
Denise said they fell in love with the converted bunkhouse on seven acres, which is not far from Otoe County, where the Barrets both grew up - she in Nebraska City, he in Syracuse.
At first they had a rent-to-own arrangement with the previous homeowners, and things went pretty well for a couple of years.
But then came 2006.
In February of that year, Kevin, who was 46 at the time, had a heart attack. He underwent quadruple bypass surgery the next month.
He had barely recovered when Denise was struck by a brain aneurysm in August of that year.
To help pay for their medical bills, the couple refinanced their mortgage and cashed out some of the equity in their home, which Kevin said at one time was as much as $60,000.
Things seemed as though they couldn't get any worse for the couple, but then Kevin lost his job right before Thanksgiving.
The bad news continued just a few months later, when Denise, too, lost her job.
The Barrets again refinanced their mortgage in November 2007, increasing the mortgage debt from $148,000 to nearly $178,000 between a first and second mortgage, according to county real estate records.
Denise said their mortgage payment jumped from around $1,300 a month to more than $1,800.
In August 2008, the couple filed bankruptcy, just after they started falling behind on their mortgage payments.
County real estate records show Liberty First issued a default notice at the end of June 2008.
Kevin said they'd fall behind on payments, catch up, only to fall behind again.
While purporting to be helping the Barrets, the Federal Loan Modification Law Center was racking up complaints all over the country.
In April, the Federal Trade Commission filed a federal lawsuit against the company, alleging it misrepresented that it could obtain a loan modification or stop foreclosure in all cases.
The complaint also alleged that the company falsely claimed in radio and TV ads to be affiliated with the federal government.
Nabile "Bill" Anz, managing attorney for Federal Loan Modification and one of the people named in the FTC's complaint, told the Orange County Register in April that the company may have been aggressive, but it had obeyed the law.
Since then, Anz seems to have changed his tune. On Aug. 4 he voluntarily resigned from the California State Bar Association, with charges pending against him.
According to a news release, the bar filed an application in July to have Anz declared "involuntarily inactive," alleging he failed to perform for clients of the Federal Loan Modification Law Center and failed to refund fees to clients of the business.
The news release said Anz admitted the misconduct that was alleged in the application.
Some states have also taken action against Anz and his company.
In July, Wisconsin regulators banned the company from doing business there and ordered it to provide refunds to all its customers in the state.
That action likely is a moot point, as it appears the company is no longer doing business. Its Web site is no longer operational and its phone has been disconnected.
Mike Cameron, an attorney with the Nebraska Department of Banking and Finance, said the department has fielded a couple of complaints about the Federal Loan Modification Law Center.
"I'm thinking two or three at most," he said.
Cameron said that because the company is already the subject of an FTC investigation, he refers complaints to the federal government.
Michael Snodgrass, executive director of NeighborWorks Lincoln, said two red flags with any foreclosure rescue offer are the requirement that you pay for it and a promise of a renegotiated interest rate or lower payments.
"If you have to pay something to save your house," there is something wrong," Snodgrass said.
He said NeighborWorks, which offers free foreclosure counseling among its many housing education services, never promises results.
Snodgrass said he has seen clients at NeighborWorks who have used or considered using foreclosure rescue companies.
"If you're losing your home, you're grasping at straws," he said. "If you see an ad from a company, it's awful tempting to look at."
Denise and Kevin Barret will lose their home - there is no doubt about that now.
Earlier this month, they stood in a Lancaster County courtroom and agreed to be out of their house by the end of the month, which is Monday.
As they talked with a reporter Friday, a steady stream of people drove up their driveway and into their front yard to take advantage of their need to sell off possessions that won't fit in their new home, a rented townhome near 61st and Vine streets.
In a way, their lives are coming full circle - the town home is in the same development they lived in shortly after they got married, Denise said.
She alternates between tears and anger.
She cries when she thinks about losing her home, the place she and her husband fought so hard to keep.
The tears turn to anger, though, when she thinks about all the help the government is handing out to banks and to people to buy houses and new cars.
"They're giving these brand-new homeowners $8,000 bonuses," she said. "Why aren't they helping the people who are losing their homes?"
There are programs to help people facing foreclosure, but the Barrets say they found out about them too late.
Kevin says he's talked to the Veterans Administration and a lawyer, but the response has been, "You should have brought this to us earlier."
"If I had a nickel for every time I heard that, I'd be able to pay off our house," he said.
Denise said she and her husband aren't telling their story to get pity.
"We're not doing it to make people feel sorry for us," she said. "We just don't want it to happen to them."
Reach Matt Olberding at 473-2647 or molberding@journalstar.com.
Well, I don’t know about you but here are a few things that seem to bother me as well as some valuable information that I found out about all this:

1. Modification companies are scam artists. I don’t care what they promise you to deliver. They work for the banks to get more money into their pockets. Folks banks DO NOT have the power to negotiate with the homeowner, because they DO NOT own the note of your mortgage. Only the note owner can negotiate. In almost all cases the owners of the note could be any where in the world and there could be 100’s of entities that hold a piece of your note. There for NO negotiation is possible. The banks are only servicers of the mortgage.
2. BIG GOV is shutting down and going after loan modification companies but then they are telling us to use the GOV PROGRAMS to help homeowners with their foreclosure but their programs are doing the same thing. President OBAMA predicted millions of modifications but to date there have only been around 150,000. The gov programs are pushing homeowners to work with the banks but the banks have no interest in modifying loans because they make more money from the foreclosures and collecting the insurances that they took out on those loans. The banks are defrauding everyone, even the investors that they have sold these mortgages to. The investors have started to sue the lenders for selling them fraudulent loans which in return are not performing and they, (investors), cannot collect interest on. Hell, the banks or the government CAN NOT modify something they DO NOT OWN!!!!!! This is very important.
3. This is the most important point of them all! Mr. Michael Snodgrass, executive director of NeighborWorks Lincoln made a couple of statements that I would like to address. He said that "If you have to pay something to save your house," there is something wrong," He said NeighborWorks, which offers free foreclosure counseling among its many housing education services, never promises results. Altough I agree with him that there are no warantees he basicaly is saying that NON-PROFIT groups are the only solution for the troubled homeowners and one should not pay anyone to educate them or help them fight their foreclosure because there are channels that one can get the information for free. BULLCOCKIE on that. I do not know about anyone else, but if I am in legal trouble and I can efford top notch legal help, I want that as opposed to the public defenders office.

NOTHING IS FOR NOTHING! And I can prove it. I went on the NEIGHBOR WORKS web site and I did a little searching. Here are a couple of things I found out: First of all they actually tell you that they have partnerships with banks and even go on to name some of these banks. They also have a page thanking some of these banks for their financial gifts to this organization.
Folks, they actually have photos of these banks handing over large checks to to NEIGHBOR WORKS. Here are the links:

PHOTOS
http://www.nw.org/network/aboutus/partnerships/partner_thanks.asp

PARTNERS
http://www.nw.org/network/aboutus/partnerships/partners.asp

They tell you that it is a national nonprofit organization created by Congress to
provide financial support, technical assistance, and training for community-based
revitalization efforts.
Now, I am not the world’s smartest person, but how is it that a non-profit created by congress is getting financial gifts from banks? Is it not a conflict of interest?
And if it is not, do I really want an organization looking to help me that is being financially gifted from the banks? Whose interests are they really going to look out for, the banks or mine?

BIG BANK is controlling Washington, Congress, Media and everything else to keep every day hard working people in the dark and slaves to their money-making schemes!!!!
I have walked up and seen the light, and the more I dig and research the more garbage I find….I will keep telling everyone my opinions and discoveries hoping to make everyone aware that we have rights and options regardless what they tell us. GOD BLESS AMERICA & GOD BLESS THE MASSES!