Category Archives: Securitization Audit

The Law Offices of Kramer and Kaslow: How Failed Obama Foreclosure Relief Plan Contributes To Jobs Crisis

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Calabasas, CA (PRWEB) June 17, 2011

Philip Kramer, lead attorney for the Law Offices of Kramer and Kaslow, not too long ago commented on a Huffington Post report reporting that President Obamas failure to resolve the housing crisis is causing unemployment to rise.

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In the article, Preeti Vissa, community reinvestment director of the Greenlining Institute, a foreclosure relief advocacy group was quoted as saying “This is an emergency. The ongoing foreclosure crisis is well on the way to dragging the complete economy into a double-dip recession if robust action isn’t taken immediately.”

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The Huffington Post goes on to state, The connection between the foreclosure crisis and rampant unemployment is nicely recognized by economists and the administration. Diving residence values and heavy debt burdens force cutbacks in each customer spending and tax revenue for nearby governments. These decreased spending levels and reduced government revenues force layoffs in each the public and private sector. And those layoffs, in turn, spur far more foreclosures.

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According to the article, on Thursday, President Barack Obama warned Property Democrats in a private meeting that the housing circumstance could drag down the entire economy. One particular House Democrat who was in the meeting complained that the president mentioned housing was the major factor dragging down the economy, with Geithner nodding solemnly like they’d completed everything humanly feasible for the final 27 months to fix the housing market.

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Phil Kramer, a noted Southern California lawyer who represents hundreds of consolidated litigation plaintiff customers suing six of the nations biggest banks for wrongful foreclosure actions sees it differently. I do not believe the administrations efforts have been adequate. Kramer states. The plan is voluntary, and if my consumers are any indication, then the system is an unmitigated disaster. I have hundreds and hundreds of clientele who have been wronged by the banks many of them over a very lengthy period of time. The government programs have completed nothing to assist these folks, and as a result the overall economy is suffering the consequences.

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Far more of Philip A. Kramers observations can be found at the Kramer and Kaslow weblog.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior partner of the Law Workplace of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes commercial litigation and trial advocacy, with a concentration on organization litigation, and real home matters. He has prosecuted and defended situations for over twenty five years.

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Mr. Kramer is a licensed true estate broker and has spent considerable time delivering legal services in connection with real estate issues relating to loan modification and loss mitigation, land use and zoning, environmental troubles, easements, building and improvement, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice prior to all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has tried in excess of 200 situations. He has appeared on nationally televised applications relating to pre-trial process and trial technique and has appeared as a guest lecturer on subjects ranging from constitutional law to trial practice, and Mr. Kramer frequently lectures on a broad spectrum of various legal and company problems.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a previous president of the Los Angeles West Inns of Court, a national organization devoted to bringing professionalism and civility back into the legal profession. He also serves on quite a few Boards of Directors and serves as an officer in a lot of firms. For more data contact (818) 224-3900 or pay a visit to http://kramer-kaslow.com

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Higher College Students to Acquire Crash Course in Entrepreneurship In the course of Ready Set Launch! Youth Week at the GateWay Neighborhood College CEI

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Phoenix, AZ (PRWEB) June 14, 2013

Students from numerous local high schools will have the chance to discover about entrepreneurship as a viable career alternative throughout the inaugural Ready Set Launch youth week, June 17-21, hosted by the Center for Entrepreneurial Innovation at GateWay Community College, with the assist of international sponsorships and partners.

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From conception to pitch, the students will form groups and take a hands-on strategy to developing a organization, which includes filming commercials, recording radio spots, and writing abbreviated business plans. They will subsequently present in front of loved ones and pals as effectively as a panel of judges who will award prizes to the group with the very best all round pitch.

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Our Prepared Set Launch! program will teach valuable enterprise, teamwork and vital pondering skills, stated CEI executive director Jeff Saville. But the ideal element of the week is when the students present all their amazing operate on Friday in front of every other and their proud household members.

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As element of the knowledge, the students will tour DPR Building and hear from some outstanding guest presenters from the entrepreneurial community, including Phoenix Organization Journal 40 under 40 honorees Jenny Poon of CO+Hoots and Chris Petroff of Seed Spot. Also scheduled to speak is CEI client Clarizza Watson of SiO2 Nanotech LLC and her husband, Gabe Watson, former Arizona Cardinals defensive lineman who played in Super Bowl XLIII.

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This week would not be feasible without the assistance of our clientele and the nearby entrepreneurs who are devoting their time to share their experiences with these students, Saville stated. And we cannot overlook these who have pledged additional economic and lunch sponsorships as well.

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Spotlight, an innovative project management computer software organization, as nicely as the 157 Group, an organization devoted to improving further education applications in England, every created economic contributions to the plan. CEI client Phillip Felice of Sensible Phocus also donated iPhone accessory kits as prizes for the winning team. Every single cited the continuing education of young individuals, specifically in the organization and entrepreneurial disciplines, as major motives for their support.

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In addition, Postino, DPR Building, Maizies Caf

Mesothelioma Victims Center Urges US Navy Veterans Diagnosed With Mesothelioma To Call Them For The Names Of The Most Skilled Mesothelioma Lawyers-For Far better Compensation

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(PRWEB) June 14, 2013

The Mesothelioma Victims Center says, “US Navy Veterans are by far the largest single group of men and women diagnosed with mesothelioma each and every year, and we are incredibly passionate about making particular each a single gets to the nation’s most skilled, and experienced mesothelioma lawyers, simply because we know compensation for mesothelioma is directly linked to the ability, and the experience of the mesothelioma lawyers who represent their client.” According to the CDC, about 2500 US citizens will be diagnosed with mesothelioma this year. Of this group, about one third served in the US Navy. Mesothelioma is a very uncommon type of cancer that is one hundred% directly attributable to exposure to asbestos. The CDC also indicates the average age of a diagnosed victim of mesothelioma is about 72 years old. Normally the US Navy Veteran victim was exposed to asbestos decades ago, regularly in a US Navy ship’s engine space, a ammunition magazine, or in fuel storage regions. According to the Veterans Administration some of the worst varieties of asbestos exposure occurred when a US Navy Veteran was stuck on a ship way in dry dock undergoing a major overhaul in shipyards in Washington, Virginia, California, Maine, or Georgia. For far more info US Navy Veterans who have been diagnosed with mesothelioma, or their family members are encouraged to get in touch with the Mesothelioma Victims Center anytime at 866-714-6466 for instant access to the nation’s major lawyers, who specialize in mesothelioma financial compensation.

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The Mesothelioma Victims Center says, “What tends to make identifying US Navy Veterans who have been diagnosed with mesothelioma complicated is they are in each and every state. Washington, and Maine are two of the leading states with diagnosed victims of mesothelioma, and both are property to significant US Navy installations. Even so, it is just as likely a US Navy Veteran living in California, Florida, Texas, New York, New Jersey, Massachusetts, Ohio, Pennsylvania, Illinois, Indiana, Missouri, Kansas, Nebraska, North Dakota, Wyoming, New Mexico, Colorado, Utah, Nevada, Arizona, Idaho, Montana, Oregon, or Alaska could be diagnosed with mesothelioma, and we are urging household members of lung cancer victims to be certain to tell the victim’s doctor, if they are US Navy Veteran, and if they were exposed to asbestos although serving. Since mesothelioma is so rare, and because the victim is usually over 70, we fear a lot of US Navy Veterans are not appropriately diagnosed with mesothelioma, and they in no way are compensated.” For much more data please contact the Mesothelioma Victims Center anytime at 866-714-6466. http://MesotheliomaVictimsCenter.Com

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The Mesothelioma Victims Center says, “Aside from US Navy Veterans, other high danger groups for a uncommon type of cancer called mesothelioma include shipyard, power plant, or oil refinery workers, plumbers, county, or city municipal water district workers, electricians, pipe fitters, insulators, miners, demolition construction workers, railroad repair yard workers, or auto brake technicians.” The Mesothelioma Victims Center says, “Generally the average US mesothelioma victim is about 72 years old. A lot more often than not mesothelioma is diagnosed three, four, or even 5 decades soon after the exposure to asbestos. Since of the age of the average victim of mesothelioma we talk to we really encourage the adult son, the adult daughter, or the wife of the victim to contact us anytime at 866-714-6466, so we can offer them, and their loved 1 with our unparalleled cost-free services.” http://MesotheliomaVictimsCenter.Com

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HAMP 2015 Extension Date Great News For Millions Of U.S. Property owners – LoanLove.com

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San Diego, CA (PRWEB) June 14, 2013

LoanLove.com is a trusted destination for current mortgage news and professional loan tips. The team at LoanLove.com is devoted to help empower both initial time and seasoned property owners with valuable sources, 1st-class information and connections to leading-rated market experts. Loan Really like recently posted a mortgage news write-up about the not too long ago announced HAMP 2015 extension and how it will benefit struggling property owners.

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Loan Really like reports: The Obama administration has announced a HAMP extension for 2 extra years, by means of 2015. It will be extending its hallmark Producing Property Inexpensive (MHA) initiative until the finish of 2015, hoping the extension will allow more property owners to take benefit of loan modifications which can aid them avoid foreclosure.

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Originally unveiled in 2009 at the height of the monetary crisis, the HAMP (House Affordable Modification Plan) which is element of the bigger Making Home Inexpensive System, was created with the aim of assisting the millions of home owners who had fallen behind on their mortgage payments due to the crisis to avoid otherwise imminent foreclosure. The plan performs by rewriting (modifying) the loan terms, therefore producing the house payments more inexpensive for the borrower. According to data from the U.S. Treasury, homeowners participating in the program have realized median monthly savings of $ 546.

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Even so, this system has but to aid all these that it was designed to assist. According to predictions from the Administration below Obama loan modification with this plan must be capable to offer aid for as several as three to 4 million American home owners so far only a little over 1 million home owners have taken benefit of the loan modification program. This may possibly be due to the strict documentation requirements that originally had to be met by the applicants. Modifications to the system have now streamlined application processes, nevertheless, and applying for the plan is no longer as cumbersome and demanding as it as soon as was.

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But even although the program could be the answer for several property owners who are facing foreclosure, the Loan Love write-up still cautions readers to do their research: Although certainly beneficial to homeowners facing economic troubles, home loan modification can be a complex procedure driven mainly by the lender. Property owners searching for to make sure they receive the very best modification terms can empower themselves by getting an independent evaluation performed on their loan and their financial circumstance. The REST Report presented by Actual Estate Services and Technology is one tool home owners can use to make certain they recognize all their alternatives without having relying solely on info supplied by their lender. For most homeowners,loan modification is a 1-shot deal: Realizing each option can aid property owners get the best terms for their exclusive economic predicament.

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For much more details on the HAMP extension, the REST Report, and other critical loan modification aspects, pay a visit to LoanLove.com for the full news article.

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Schoolfy Social Networks will Serve More than one hundred,000 Users at Debut

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Sunnyvale, California (PRWEB) June 14, 2013

Just a single month right after Schoolfy announced the summer launch of its cost-free educational technologies platform, the number of schools and teachers who have requested invitations or made custom agreements with the Internet company will lead it to exceed one hundred,000 customers at debut.

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Schoolfys CEO Oscar Civantos said that the response has been worldwide. Im really pleased with the interest had been seeing from teachers worldwide. This is a free platform made for teachers and with teachers. There are fantastic expectations, and have been excited to launch with revolutionary features and superb consumer service.

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When pressed for an official Schoolfy launch date, Civantos would only anticipate a late August or extremely early September 2013 debut. Many US schools will currently be in session, but had been prioritizing the high quality of our item more than the rush to bring it to industry. He added that Schoolfy demos will be released just before the launch. Teachers will see that our technology is very effortless to use. Its made to work from day one no high-tech coaching is essential.

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Schoolfy has been dubbed the 1st Integrated Social Management Technique for educators. The technology blends private social networks with patented time-saving apps for teachers and school administrators.

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Within Schoolfy teachers can set up calendars, assign tasks and homework, share multimedia content material, assess work, and otherwise interact with students, parents and school staff on the web in genuine-time. The intuitive interface is essential to the ed tech firms aim of assisting teachers save time.

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Mentioned Civantos, The concept behind Schoolfy is to supply all teachers with best educational tools regardless of spending budget or physical location. A lot of teaching hours are lost to paperwork and other secondary tasks. Lets place that time back into teaching and properly improve the quality of education worldwide.

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Schoolfy.com can now be viewed in English, Spanish and Portuguese. The totally free educational technologies platform will quickly be released in these and other languages.

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Kramer and Kaslow: Wall Street Journal Reports that Banks Hit Hurdle to Foreclosures

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Calabasas, CA (PRWEB) June 17, 2011

Philip Kramer, lead attorney for Kramer Kaslow, not too long ago released comments concerning a Wall Street Journal post detailing the foreclosure crisis. Sheila Bair, chairman of the Federal Deposit Insurance coverage Corp., is quoted in the article from her testimony to a Senate committee final month. “Flawed mortgage-banking processes have potentially infected millions of foreclosures, and the damages against these operations could be considerable and take years to materialize,” said Blair.

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The post also reports that last month, the Maine Supreme Court reversed the foreclosure of Dana and Robin Murphy of Auburn, Me., soon after concluding that the mortgage company, a unit of HSBC Holdings PLC, filed “inherently untrustworthy” documents. An HSBC spokesman declined to comment.

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The Wall Street Journal reports that, This year, cases in California, North Carolina, Alabama, Florida, Maine, New York, New Jersey, Texas, Massachusetts and other folks have raised inquiries about regardless of whether banks effectively demonstrated ownership.

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Philip A. Kramer, a perennial winner of the Southern California Super Lawyer award represents hundreds of consolidated plaintiff litigation clients who have filed suit against the nations six largest lenders. He comments, I believe that the Maine Supreme Court is appropriate. I also believe that the difficulty is widespread universal.

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Laurence E. Platt, a banking-market lawyer at K&ampL Gates in Washington, concedes in the write-up that banks might have been sloppy. But he says, “the genuine assault on the legal program,” are efforts by judges and regional officials to strip lenders of their rightful ownership and make foreclosures impossible.

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Philip A. Kramer could not disagree a lot more strongly. If Laurence Platts point of view prevails, then we may possibly as well not have laws. That is not an exaggeration. There are rules and procedures which govern how property is supposed to bought and sold. Ownership is at the heart of the issuance of mortgages and foreclosures. It is not okay for the banks to claim, Oh, proof of ownership? Paperwork? These dont genuinely matter. The banks have been receiving away with murder. Finally, it seems to be coming to an finish.

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Far more of Philip A. Kramers comments can be found at the Kramer Kaslow weblog.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior partner of the Law Workplace of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes commercial litigation and trial advocacy, with a concentration on company litigation, and actual property matters. He has prosecuted and defended situations for over twenty 5 years.

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Mr. Kramer is a licensed genuine estate broker and has spent considerable time delivering legal solutions in connection with genuine estate concerns relating to loan modification and loss mitigation, land use and zoning, environmental troubles, easements, building and development, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice before all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has tried in excess of 200 circumstances. He has appeared on nationally televised applications relating to pre-trial process and trial technique and has appeared as a guest lecturer on subjects ranging from constitutional law to trial practice, and Mr. Kramer often lectures on a broad spectrum of a variety of legal and company troubles.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization dedicated to bringing professionalism and civility back into the legal profession. He also serves on numerous Boards of Directors and serves as an officer in several businesses. For a lot more info contact (818) 224-3900 or pay a visit to http://kramer-kaslow.com

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Far more Loan Modification Services Press Releases

League Management Software by LeagueToolbox Announces Fall League Registration With Complete Client Support

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(PRWEB) June 13, 2013

“1 of the most significant concerns we hear from all sports leagues is the intimidation aspect that exists concerning the transition of an offline league’s registration procedure to an on the internet format,” stated Chris Christie, LeagueToolbox Manager.

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LeagueToolbox announces complete 24/7 customer help for all sports leagues wanting assistance with importing their fall leagues just before, after or during their registration procedure.

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“We very often have leagues amazed with all our tools and attributes that solve so several hurdles they at the moment have operating their league, but it appears the most frightening speed bump for most leagues is taking a league that has currently started and whose offline registration is complete and taking it on-line now, rather than at the start of next season.”

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Chris pointed out, “As soon as we have individuals on the telephone and explain to them that LeagueToolbox league management computer software offers a seamless transition from offline to on-line activity and registration is taken care of inside this approach, they sign up no matter what current stage their league is in.”

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“Consider of LeagueToolbox as not only the resolution to obstacles typically knowledgeable with offline sports league administration, but a tool that requires leagues to the level they need to be at in today’s ‘instant’ globe,” Chris explained.

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“With our newly launched league app for both iPhone and Android, coupled with our integration with social media including Facebook and Twitter, all our leagues are reaching new levels of success.” Christie added, “We treat each and every sports league the same way, no matter their size. We provide limitless assistance with importing a league to our software and assure achievement.”

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“We encourage any sports league to get in contact with us and enable us to show them how effortless it is with LeagueToolbox to get rid of the headaches and frustration associated with offline leagues and simplify all the processes involved at the flick of a switch!”

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Christie also added that they currently are offering a cost-free 30 day trial of their league computer software at http://www.LeagueToolbox.com.

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SEM Visibility Announces Key Elements to Evaluate When Picking a Magento Developer

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Chicago, IL (PRWEB) June 13, 2013

SEM Visibility, a Chicago based advertising firm specializing in Search Engine Optimization, e-Commerce and Web Web site Development announced the prime aspects in choosing a developer to implement Magento. Magento, an eBay business, is the business leader and at the moment has 23% share of the market place. The Magento platform is perfect for companies with income greater than $ 1 Million that are hunting for substantial scalability on the internet. If a company is not familiar with Magento, they ought to believe of it as a blank ecommerce slate that is very easily integrated with hundreds of software program options that will make any internet site very easily customizable to any specs. None of the fundamental application is proprietary and all the platforms run on open supply. What this signifies for any little business is that they will in no way have a problem with licensing and functioning with a number of developers as properly as adding or exchanging extensions.

Lloyds Register announces significant board appointments to assistance continued growth in its Power enterprise

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London, UK (PRWEB UK) 13 June 2013

Lloyds Register today announced the appointment of Chris Finlayson, Chief Executive of BG Group plc, and Ellis Armstrong, ex-CFO of E&ampP at BP plc, as Non-executive Directors on the board of Lloyds Register Group Ltd.

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Lloyds Register Group Ltd (LR) supplies independent assurance and expert advice to businesses operating high-danger, capital-intensive assets in the energy and transportation sectors.

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Given LRs significant growth in offering solutions all through the power supply chain, it is hugely crucial to have a powerful and diverse Board to represent the sectors we serve. We are very pleased to welcome these two outstanding Non-executive Directors to the Board, stated Thomas Thune Andersen, Chairman of LR.

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Each Chris and Ellis have had long and distinguished careers in the Energy sector. Ahead of joining BG Group, Chris Finlayson gained over 33 years technical and industrial encounter in the oil and gas market, with Royal Dutch Shell plc, exactly where he was a member of the Exploration and Production leadership team, serving in Russia, Nigeria, Brunei and the North Sea. Prior to his appointment as Chief Executive, Chris was accountable for BG Advance, which includes BG Groups exploration team, the Groups significant capital projects programme, contracts and procurement, and technology.

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Chris Finlayson commented: I am delighted to have the opportunity to contribute to the continuing success of Lloyds Register, whose function in the enhancement of the safety of life I have extended admired. The safety of our individuals has to be industrys 1st &amp foremost priority. I think that every accident is avoidable and that as an sector we must continue to strive for zero injuries.

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Ellis Armstrong joined BP in 1983, and has had an substantial profession in offshore operational roles, commercial and organizing roles, and leadership functions, ending his profession with BP as CFO of Exploration and Production. Ellis has a BSc and PhD in Civil Engineering from Imperial College, and a Masters degree in Organization Administration from Stanford Organization School.

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Ellis Armstrong added: Lloyd’s Register has created a distinction to the world for more than 250 years. I am actually excited about the opportunity to contribute to the next era of its future.

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Chris and Ellis join Thomas Thune Andersen, Chairman Non-executive Directors John Chandris and Ron Henderson Richard Sadler, CEO and Alastair Marsh, CFO, on the board of Lloyds Register Group Ltd.

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Richard Sadler, CEO, said These high-profile appointments underline LRs commitment to continued development in the power sector, and I am confident that both Chris and Elliss encounter will offer the management team with a huge amount of insight and value for our strategic development plans.

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LR is the wholly-owned operating group of Lloyds Register Foundation, a UK charity dedicated to supporting the advancement of engineering-associated education, and funding investigation and development that enhances security of life at sea, on land and in the air.

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LR supplies independent assurance and expert guidance to companies operating higher-threat, capital-intensive assets in the energy and transportation sectors, enhancing the security of life, home and the environment by assisting customers to guarantee the quality building and operation of vital infrastructure. LRs business assurance solutions help companies handle their systems and risks across a wide variety of locations from food safety to power management.

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Via its acquisitions of ModuSpec in 2008, Scandpower in 2009 and West Engineering Solutions in 2012, LR has built a complete portfolio of services such as compliance, inspection, asset integrity and consulting, to the upstream, downstream, energy, renewables, nuclear and industrial sectors.

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Photographs of Ellis Armstrong and Chris Finlayson can be downloaded from http://www.lr.org &#13

Ellis Armstrong http://www.lr.org/Images/Ellis-Armstrong_MG_8424%20web_tcm155-247525.jpg&#13

Chris Finlayson http://www.lr.org/Photos/Chris-Finlayson%20101-2%20web_tcm155-247527.jpg

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Kramer Kaslow: The Economic Times Reports that NY Fed is Investigating Goldman Unit

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Calabasas, CA (PRWEB) June 17, 2011

The Law Offices of Kramer and Kaslow not too long ago released comments from their lead lawyer, Philip Kramer, with regards to the newest report from The Economic Instances. According to the British newspaper The Monetary Times, The Federal Reserve Bank of New York is investigating allegations that the mortgage servicing arm of Goldman Sachs failed to conduct acceptable reviews prior to denying borrowers a possibility to reduce their payments by means of a government loan modification programme.

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When asked for a comment, the article says that the Fed confirmed that it was conducting an inquiry. The Financial Instances also reports, a individual familiar with the Goldman unit concerned, Litton Loan of Houston, Texas, mentioned loans were denied with no the suitable assessment beneath a denial sweep approach devised to clear a backlog of applications.

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According to the post, the allegations had been brought to the Feds focus by the Monetary Times, which obtained a letter written by an anonymous Litton employee.

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Consolidated plaintiff litigation lawyer Philip A Kramer who represents hundreds of clientele suing six of the nations largest banks, is familiar with Litton and feels that its practices mirror what he has observed at many other monetary institutions as properly.

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You have a couple of items going on here, says Kramer. One, you can never underestimate incompetence. Undertrained, overworked employees deliberately lose paperwork so that they can claim they have met their quotas, when the dilemma really lies with incomplete files. That happens, but there are much more pernicious goings on as well. The banks are supposed to favor the government HAMP program, but in truth, if they are going to make a loan modification accommodation, they would rather use one particular of their own in-home applications which are normally much less generous to a homeowner.

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According to The Monetary Occasions article, HAMP modifications are supposed to take priority more than non-governmental loan modification applications. However, the regulations establishing HAMP rules give no penalties. The write-up goes on the report that the letter received by the Fed from the particular person familiar with Litton said that at the very same time that the modifications beneath Hamp were becoming denied, Goldman was increasing non-government modifications for loans it retained on its books.

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And that, Philip Kramer observes, is the heart of the problem. Bank greed is pitted against the needs of desperate property owners. The quality of mercy is not strained. Well, Im guessing that bank executives dont precisely take that to heart. When a bank is involved, I suspect greed is going to win out each and every time. At the expense of the homeowner, Im afraid.

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Far more of Philip Kramers observations can be located at the Kramer Kaslow weblog.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior companion of the Law Office of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes industrial litigation and trial advocacy, with a concentration on organization litigation, and real house matters. He has prosecuted and defended circumstances for more than twenty five years.

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Mr. Kramer is a licensed real estate broker and has spent considerable time offering legal services in connection with true estate concerns relating to loan modification and loss mitigation, land use and zoning, environmental concerns, easements, construction and improvement, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice just before all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has attempted in excess of 200 circumstances. He has appeared on nationally televised applications concerning pre-trial procedure and trial approach and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer often lectures on a broad spectrum of different legal and business concerns.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a previous president of the Los Angeles West Inns of Court, a national organization dedicated to bringing professionalism and civility back into the legal profession. He also serves on quite a few Boards of Directors and serves as an officer in numerous firms. For far more data call (818) 224-3900 or pay a visit to http://kramer-kaslow.com

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