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Mortgage Complaint Center Warns about 2011 US Genuine Estate Values Says Now is the Time to Refinance & Warns of Foreclosure Scam Artists

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(Vocus/PRWEB) December 07, 2010

The National Mortgage Complaint Center says, “because we anticipate 2011 to be one more train wreck, with respect to US residential true estate valuations, due in big component to up to a million plus US foreclosures becoming dumped-now may be the last time for home owners with equity, and good credit to refinance just before their house goes underwater as well, or interest prices go up.” The group is vigorously warning against employing mortgage services marketing on Tv, about letting bankers kill each and every other for the ideal rates, or offers of five% or much more for high top quality borrowers. If a homeowner wants the see what the ideal prices are, merely contact American Interbanc at 1-800-724-0004, or verify with Bank of America. The present best residential true estate mortgage prices are about four.25% at this moment. The group says, “you would of believed the worst of the predatory mortgage lenders would have been gone soon after the US mortgage meltdown, but some are back. If you have equity in your property, and if your credit score is above 740, you will get the ideal prices, and charges from American Interbanc, or Bank of America. If you are hunting to do a FHA, or VA mortgage we advise the James B Nutter Organization.” http://NationalMortgageComplaintCenter.Com

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Mortgage Foreclosure Scam Artists: The National Mortgage Complaint Center says, “we do not comprehend how, or why the United States Division of Justice has not shut down the key-mortgage foreclosure support, or relief-scam artists? These kinds of businesses are entirely ripping off home owners, with promises of a loan modification, the buyers are then foolishly providing these organizations thousands up front-and that is the final they hear from the organization.” The group says, “here is the reality-if you have not produced your mortgage payment for one particular, or two years-you are going to drop your home. As far as we are concerned the Obama, or Pelosi homeowner salvation programs have been a gigantic waste of taxpayer income, and we require to get back to the actual globe. If you don’t make your mortgage payments, you will drop your home to foreclosure.” They say, “if you are trying to shield your property, and if you consider you have valid proof about lender misconduct, seek advice from your nearby Legal Bar Association to see what attorneys do mortgage modification work, and or bankruptcies in your location.” http://NationalMortgageComplaintCenter.Com

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The US Residential Real Estate Outlook Gets Worse: The National Mortgage Complaint Center says, “ever hear of toxic Chinese drywall? The nation requirements to prepare for this worsening disaster. One of our affiliated groups has now formally referred to as for a moratorium on US banks reselling toxic Chinese drywall foreclosures in Florida, Alabama, Mississippi, Louisiana, Virginia, and Southeast Texas, until the Fed’s come up with a affordable, and secure way to repair these properties-if not they will need to have to be bulldozed.” Toxic Chinese drywall began entering the United States as early as 2001. The gas emissions from toxic Chinese drywall are undesirable adequate to corrode electrical wires, and turn copper pipes black. The group estimates there are at least 200,000+ toxic Chinese drywall homes in the US Southeast alone. The group fears in 2011 toxic Chinese drywall will be found in all 50 US States. The National Mortgage Complaint Center is saying, “toxic Chinese drywall is a game changer for all US home owners, for all US banks, and for the US homebuilding market, and its going to get genuinely ugly in 2011.” For more data about toxic Chinese drywall please visit http://ChineseDrywallComplaintCenter.Com

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Critical Note: The National Mortgage Complaint Center is saying, “the vast majority of US home owners are more than paying on their house taxes. In some circumstances it could be thousands, and thousands of dollars every year. Verify with your neighborhood genuine estate agents to see what comparable homes in your neighborhood are promoting for, and then check your house tax bill. If you are over paying speak to your county assessor for info associated to a home tax assessment correction.” http://NationalMortgageComplaintCenter.Com

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Foreclosure Fraud Victim Turns to Advocacy with Release of Book and Net Web site to Educate Underwater Buyers About Homeowner Rights and Possibilities

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Atlanta, GA (PRWEB) November 23, 2011

Publisher Fastpencil, Inc. announces release of Consumer Advocate &amp Foreclosure Specialist Michael R. Bang’s most current book Stroll Away.

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As numerous Americans are facing hard occasions following the current and continuing market housing crash and economic downturn, some sector specialists are stepping forward to speak up for shoppers and turn misfortune into an opportunity for education. This consists of Michael R. Bangs lately released Stroll AwayHow to Strategically Default on an Underwater Mortgage.

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The book goes into excellent detail about how the banking method performs, how a mortgage plays into that system and the vast avenues obtainable to a consumer underwater or facing foreclosure, from a loan modification all the way to how to simply walk away from a property if you can no longer afford to keep it and your sanity, Michael R. Bang, Consumer Activist and Foreclosure Specialist from The Vortex Reality Vibration LLC., stated. A lot of home owners are possessing their rights violated by the banking business or their emplyees, its often illegal and shameful.

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Bang has been a licensed actual estate agent for 10 years and a rental investor for more than 15. He became a foreclosure specialist, promoting properties for banks in 1999 and in 2000 launched Georgia Foreclosure, Inc., (http://www.gaforeclosure.com) a web site dedicated to offering investors and possible homeowners access to distressed properties on the market place (properties owned and for sale by lenders soon after foreclosure has occurred).

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He also became a nicely known professional in Atlanta on the standards and practices of by banks used to foreclose. In 2008 he was bewildered to see the amount of fraudulent tactics and misrepresentation asset managers were flagrantly employing to foreclose. Examples integrated robo-signing, re-generating documents that had been lost, violating cease and desist orders or basically foreclosing on residence they didn’t even own. Usually, had the homeowner been conscious of the improper acts, and identified how to fight back, the foreclosure could have been stopped dead in it’s tracks thereby saving the house.

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Considering that the 2008 housing crash, Bang has turned his experience to customer advocacy and has worked with individuals who are unaware of their options in the face of foreclosure.

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The mantra of the banks and their agents is that you have a moral obligation to spend your mortgage when, in point of truth, it’s nothing much more than a contract which can be voided at any time, Bang said. This book is a How To guide for individual well being and undertaking what’s appropriate for the individual and their family it offers readers a sense of security and freedom to fight back.

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The companion website to Bangs book, http://www.usawalkaway.com, (launched October 2011) supplies detailed info on the foreclosure process of every single state, sample documents and worksheets about foreclosure regulations, and a forum where home owners can share their own foreclosure experiences and discover how to steer clear of being victims of fraudulent foreclosures.

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Bang was inspired in portion by his personal experiences soon after a massive bank illegally attempted to foreclose his home. To discover much more about Walk AwayHow to Strategically Default on an Underwater Mortgage and how you can keep away from being a victim, go to http://www.usawalkaway.com.

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The Surrey Institute of Clinical Hypnotherapy responds to a new study about the careers that are most probably to cause weight achieve

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Wallington, Surrey, UK (PRWEB UK) 16 June 2013

CareerBuilder released a national study in May that identified that 41% of people have gained weight at their jobs and you are most most likely to have higher prices of weight gain if you sit at a desk all day or have high anxiety levels.

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Administrative assistants, engineers, teachers, nurse practitioners, IT managers, legal experts, production workers and scientists were amongst professions that had the highest reports of weight acquire, according to the CareerBuilder survey.

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Nevertheless, the Surrey Institute of Clinical Hypnotherapy believes that, even though a sedentary career adds additional pressure on the waistline, by utilizing hypnotherapy for weight loss it is far from a lost lead to. Physical exercise is important for health but it has really small to do with weight management. A sedentary job can be countered really effortlessly by standing up at work a couple of hours a day, for example when on the telephone. Merely by standing up for a couple of hours a day you can burn calories equivalent of an hour exercise in the fitness center.

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The CareerBuilder survey, carried out online Feb. 11 to March six by Harris Interactive, factored in responses from more than three,600 complete-time workers, who stated that the most widespread causes of workplace weight obtain had been a sedentary all-day desk life-style, anxiety eating and meals located at the workplace, including celebrations and treats provided by co-workers.

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Paul White, the behavioural change specialist at the Surrey Institute of Clinical Hypnotherapy and Chairman of the National Council for Hypnotherapy, stated By replacing unhelpful patterns of behaviour with far more proper ones, even clientele with a sedentary profession can start to see adjustments with consuming habits and improvements in handle of their weight. 1 of the behaviours that we may target would be the want to boost exercise. When you enhance want, reaching the end outcome does not look like difficult perform.

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White continued In our technological age a lot more and more people have not only a sedentary career but their entire lifestyle can be very low in activities that raise our heart rate sufficient to maintain our fitness levels up. But when customers use hypnotherapy to shed weight they uncover that their activity level appears to rise naturally, and the far more weight loss they obtain, the larger that activity level rises.

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At the Surrey Institute of Clinical Hypnotherapy in Surrey they seek to alter their customers relationship with meals. The hypnotherapist will work with the client to alter the way they view meals, even the way they consider about food, so the client eats to live, rather than lives to consume. By performing so they take away the guilt, reduce consumption and feel happier about food.

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Paul White has been Chairman of the National Council for Hypnotherapy for five years. He has been a Director of The Surrey Institute of Clinical Hypnotherapy for 11 years. He has a unique interest in weight handle and difficulty behaviours (addictions).

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Karla Dennis Webinar: Karla Dennis Interviews Angelica Leon About Talk about the Loan Modification Method, New Applications Relating To Second Loans, And Debt Negotiation

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(PRWEB) June 05, 2012

This is an announcement of the latest month-to-month webinar to be provided by 1 of the nation’s foremost tax authorities, Karla Dennis.

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Join Karla as she interviews lawyer and true estate specialist Angelica Leon on the most frequently asked inquiries folks ask about actual estate and second mortgages.

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Click Right here To Listen To The Webinar

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The focus will be on second loans, debt negotiation and actual estate methods.

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Karla Dennis invites you to a “Just Ask Karla Teleconference”. Karla answers a lot of questions about true estate and the tax implications of owning a home and/or property, featuring queries from her consumers and the public at huge.

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A lot of the inquiries tend to be related in nature and of the identical topics, so listen as she interviews Angelica to elicit the most essential subject for home owners.

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In order to benefit type this webinar, anybody interested is encouraged to attend by registering at the hyperlink under. It will be offered beginning at Tuesday June 12th at 5:30pm (Pacific), click the link beneath to study about it and sign up to join and listen.&#13

Click Right here To Register For The Webinar

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Absolutely everyone is invited to listen in on this call for totally free so they can understand the most frequent troubles that crop up concerning actual estate ownership.

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Karla Dennis is CEO and owner of Cohesive Tax, a tax arranging firm.

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Homeowners Customer Center Now Urges Homeowners In Any US State To Use The Law Offices of M.E. Ludt If They Are Significant About A Loan Modification Or A Mortgage Workout

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(PRWEB) June 13, 2012

The Property owners Consumer Center has endorsed Law Office of M. E. Ludt simply because this law firm frequently produces important final results for homeowners searching for relief under one particular of the federal MHA loan modification, foreclosure defense, or mortgage workout applications in all 50 US states. The Home owners Customer Center says, “There genuinely are some wonderful mortgage relief applications that have been developed by the US Congress. Regrettably most US home owners looking for a loan modification, a mortgage exercise, or foreclosure defense most likely will fail if they attempt to qualify for one of these programs on their personal. It is for the cause we have endorsed the law firm of M.E. Ludt. This law firm has a network of law firms nationwide, and the staff at the M.E. Ludt law firm are up to speed on the greatest applications for a loan modification, a mortgage workout, a foreclosure defense, short sales, and they will be sincere with you. If they can help you-they will say so. If they can’t assist you-they will say so as well.” For a lot more details home owners wishing a loan modification, or dealing with a achievable foreclosure, mortgage default, or loan servicing troubles are urged to speak to the law firm M.E. Ludt at 1 (888) 364-8844. http://MELudtLaw.us

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The Home owners Customer Center has endorsed the Law Firm of M.E. Ludt for their legal capabilities for homeowners in all 50 states, who are want the following varieties of help: &#13

Loan Modifications &#13
Foreclosure Defense &#13
The homeowner has received a default notice from their mortgage lender &#13
The property owners loan servicing business has misapplied mortgage payments, and the homeowner is now becoming shown to be late on their mortgage &#13
Mortgage workouts, or mortgage forbearance agreements

The Homeowners Consumer Center says, “The attorneys of the Law Workplace of M. E. Ludt, LLC are a nationwide group of attorneys that provide complete mortgage representation for homeowners in search of a loan modification, foreclosure defense, or a mortgage exercise by way of the federal MHA or In-property applications. Their representation consists of regional of counsel attorneys in ALL 50 STATES. The Law Workplace of M. E. Ludt, LLC and its nationwide network of attorneys will represent you in court, mediation hearings, and or for the duration of the whole mortgage renegotiation process.” The Property owners Customer Center is urging home owners looking for a loan modification, foreclosure defense, or a mortgage exercise to make use of the unequaled talents of the Law Workplace of M. E. Ludt, LLC in all US states. For more information please speak to the Law Office of M. E. Ludt, LLC at 1 (888) 364-8844. http://MELudtLaw.us

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Assemblymember Mary Hayashi Urges Customers to Understand About New Economic Protection Laws and Sources

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Hayward, CA (PRWEB) July 23, 2012

As the chair of the Assembly Business, Professions and Consumer Protection Committee, Assemblymember Mary Hayashi (D-Hayward) applauded the passage of the California Homeowner Bill of Rights, which was signed earlier this month by the Governor. She is encouraging Californians to learn about this law and other state and federal sources developed to shield home owners and consumer finances.

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The Homeowner Bill of Rights is a landmark bill that gives Californians the strongest foreclosure protections in the country, stated Assemblymember Mary Hayashi. Its portion of an critical national effort to spot shoppers very first, and its crucial that we let the public know that these sources exist to assist them save their homes and their financial safety. New federal agencies like the Customer Financial Protection Bureau are working to address numerous concerns, from credit and lending to mortgages and elder economic abuse, and theyre going to make a tremendous distinction for buyers.

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The California Attorney Generals office reports that much more than one million properties were lost to foreclosure between 2008 and 2011, and one more 700,000 are undergoing the foreclosure procedure. The California Homeowner Bill of Rights is a extensive bill package developed to bring fairness and transparency to the mortgage and foreclosure process, and support save California properties. It consists of provisions that prohibit unfair bank practices and assistance loan modifications over foreclosure. The law will go into effect on January 1, 2013.

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Last week, Assemblymember Mary Hayashi was element of a California State Assembly delegation that went to Washington, DC to advocate for much more sources for California. The delegation met with the Consumer Monetary Protection Bureau, which was developed to regulate customer monetary goods and services in compliance with federal law. They discussed the Homeowner Bill of Rights and other mortgage protection methods. Just recently, the Bureau made headlines with its crackdown on Capital One particular, ordering the corporation to refund $ 140 to $ 2 million to clients for its unfair marketing and advertising practices of fee-primarily based solutions.

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To read a lot more about the California Homeowner Bill of Rights, please check out the California Workplace of the Attorney Basic internet site at http://oag.ca.gov/hbor.

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To find out far more about the Consumer Monetary Protection Bureau, please check out their internet site at http://www.consumerfinance.gov.

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Assemblymember Mary Hayashi is the Chair of the Organization, Professions, and Customer Protection Committee and serves the 18th Assembly District, which involves San Leandro, Hayward, Dublin, most of Castro Valley and Pleasanton, and a portion of Oakland, as nicely as the unincorporated locations of Ashland, Cherryland, San Lorenzo and Sunol.

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Housing Market place Momentum Up with HUD’s New Information about the Distressed Asset Stabilization System

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Minneapolis, Minnesota (PRWEB) July 24, 2012

According to a July 18th press release, HUD is supplying for sale by means of a competitive auction a portfolio of defaulted single-loved ones mortgage loans (the Mortgage Loans). Qualified true estate investors and buyers may possibly spot bids for a one hundred% ownership interest to acquire distressed properties. Sealed bid auctions will be held on or just before September 30, 2012 referred to as the Single Household Loan Sales for Fiscal Year 2012 (the Sales), to obtain the Mortgage Loans.

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The Distressed Asset Stabilization Plan is an expansion of an FHA disposition program that sells pools of defaulted mortgages in route for foreclosure. From Residence Destination’s experience selling numerous foreclosed residences to date, owner Jenna Thuening believes it will assist further the housing market’s growing momentum and can see it offering opportunities for both the purchaser and borrower to steer clear of the enormous cost of foreclosure.

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The housing industry has momentum not observed because before the crisis, said HUD Secretary Shaun Donovan. But some metro regions are still under pressure and some FHA borrowers stay seriously behind on their loans and stand to lose their residences in a matter of months. As a single step towards avoiding unnecessary foreclosures and further stabilizing communities, we are growing the quantity of loans beyond our original objectives of five,000 per quarter to around 9,000 this quarter.”

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Offering home loan borrowers the opportunity to potentially remain in their houses under a new sustainable mortgage is a win / win proposition. Mortgage Benefits contain:&#13

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3 reduces costs to FHA&#13

4) advantages the surrounding neighborhood

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The mortgage holder will have the responsibility to pursue other possibilities such as leasing the property to the homeowner or a modification. A servicer will be able to location a loan into the loan pool for sale if:&#13

1) the borrower is at least six months delinquent&#13

2) all loss mitigation options have been exhausted&#13

three) a foreclosure proceeding has not stated&#13

four) the mortgage borrower is not in bankruptcy

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Additionally the FHA announced new neighborhood stabilization needs for the challenging-hit metros selected for a nice slice of the funds- where 3,500 loans are to be sold. In Chicago, Newark, Phoenix, and Tampa, to hold a balance, no a lot more than 50 percent of loans bought within a pool can be sold as actual estate owned (REO) properties.

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‘Qualified bidders” means somebody authorized with a net worth in excess of $ 5,000,000 determined in accordance with the Typically Accepted Accounting Principles (GAAP). It appears that the bidders will need to declare themselves as either (like, but not restricted to) a corporation, partnership, limited liability company, organization trust, savings and loan association, insurance coverage firm, investment firm, bank or company entity.

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Investors who personal these loans should delay foreclosure proceedings for at least six months, so the mortgage’s new servicer can attempt to discover an option to foreclosure. HUD’S site says, “Entities interested in submitting Bidder Qualifications for the Distressed Asset Stabilization System pools ought to comprehensive the Confidentiality Agreement and the Distressed Asset Stabilization Program Qualification Statement”. Submit completed documents by e-mailed to SFLS2012-3(at)debtx(dot)com.

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Acting FHA Commissioner Carol Galante concluded, FHA not only avoids the expenses related with a long foreclosure process, but also the higher costs of sustaining and promoting vacant properties in already distressed markets.” That is great result in for the FHA-insured notes to be sold to investors at a price beneath the outstanding principal balance.

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The September 30th deadline will come about swiftly. Contact Jenna Thuening, owner of Home Location at 612-396-7832 for help purchasing distressed properties.

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Property owners Customer Center Warns All US Homeowners About A Large Situation Facing Them On January 1st 2013 -AKA- The Mortgage Debt Forgiveness Tax Provisions – Help Wanted

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(PRWEB) November 13, 2012

The Property owners Customer Center is a single of the premier advocates for US property owners, and the group is warning issues are about to get considerably far more complex for the US housing market place, and all US property owners if the US Congress, and President Obama fail to extend the Mortgage Forgiveness Tax Provisions. With out an extension, borrowers who get reductions in mortgage principal next year in the procedure of a brief sale, loan modification, foreclosure, or deed in lieu of foreclosure would be hit with federal earnings taxes at their standard marginal rates on the amounts forgiven. The Home owners Consumer Center says, “The US housing marketplace needs stability. We do not think most present underwater US property owners realize that without this tax provision extension they, or their neighbors are about to get hit with what could be a gigantic federal tax bill, ought to they do a quick sale, a loan modification, or a deed in lieu of foreclosure-that involves a mortgage principal reduction in what they owe their mortgage lender. Without an extension of this bill, anytime following December 31st 2012, if a homeowner receives any sort of principal reduction from their mortgage lender-they are going to be taxed by the IRS on what ever the principal reduction was-as if it was earnings. Without having an quick extension of this legislation we worry the US housing marketplace gets much, a lot worse-not greater. How is that Forward?” http://HomeownersConsumerCenter.Com

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On March 1st 2012, CNN Funds wrote, “The number of property owners who have fallen underwater on their mortgages-owing a lot more than their properties are worth — climbed to 11.1 million in the last three months of 2011, a three.7% enhance. These in this upside-down position, also called adverse equity, represent 22.eight% of property owners with mortgages. The count rose from 10.7 million borrowers (22.1%) only three months earlier, according to a report from CoreLogic.” The Property owners Customer Center says, “Given that the re-election of President Obama has any person else noticed the lay off notices becoming described in the organization sections of many US newspapers? We have, and lay off notices, are not a very good issue for consumer self-assurance. What happens to the 22.8% of all US property owners, who are upside down on their mortgage when they all of a sudden understand if they do not walk away from their homes now-they may get taxed on a principal reduction in the future? Given the Fiscal Cliff our nation faces on December 31st 2012, everyone should be worried about the US Senate majority’s push for higher taxes on the quote wealthy, what this will imply to the fragile US economy, tiny firms, and US employment. Nonetheless, at this moment we are saying if the US Congress, and the Obama Administration do not wake up, and extend the Mortgage Forgiveness Tax Provisions now-we are going to have a truly big mess on our hands, and its going to begin long prior to December 31st 2012.” http://HomeownersConsumerCenter.Com

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Note from the Home owners Customer Center, “We know there are many US homeowners out there who do not really feel like homeowners who are upside down on their mortgages ought to get any breaks at all-we get that portion. Even so, the reality is if we have a new tidal wave of immediate deed in lieu of foreclosures-exactly where the homeowner sends their keys back to the mortgage loan servicing organization, all US home owners get hammered with reduce home values. We do not feel anybody in their correct mind would want that.” http://HomeownersConsumerCenter.Com

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69% of Working Americans Fail to Protect Their Paycheck Disability Awareness Month Ends, But Monetary Planner William Pitney Reminds Workers About Paycheck Protection

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Foster City, CA (PRWEB) May 31, 2013

Might is Disability Insurance coverage Awareness Month (DIAM) and is an excellent time for US households to get a disability check up. William Pitney, Certified Economic Planner skilled of FocusYOU says, As DIAM ends, its never too late to take stock of your disability requirements. He adds, Also many workers underestimate their chances of disability as effectively as the significance of disability earnings protection.

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According to the Council for Disability Awareness (CDA) disability counter, a lot more than 1,857,798 American workers have knowledgeable a disabling illness or injury considering that the begin of the year. Thats a staggering number and increasing, states Pitney. At that rate, Americans will endure more than four.five million disabilities in 2013. Envision if those numbers included you, Pitney continues, What would take place to the typical middle class household if 1 of the breadwinners couldnt function to earn a paycheck due to the fact they have been sick or injured?

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The lost income can be devastating. For example, a 40-year-old earning $ 70,000 in the San Francisco Bay Area who suffers a permanent disability could drop much more than $ 1.7 million in future earnings.

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CDA reports that one hundred,000,000 workers do not have any private disability insurance. CDA additional reports that 74% of staff are not financially ready to survive an illness or injury that benefits in a loss of income.

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The LIFE Foundation (LIFE) discovered that 60% of Americans are concerned about becoming in a position to support themselves financially if they have been unable to work. In addition, 25% of households would endure instant economic setbacks if the breadwinner became disabled and couldnt operate.

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These statistics are alarming, but even worse, far more than 50% of workers believe they dont need to have disability insurance, Pitney asserts. Too a lot of operating Americans mistakenly think a government plan, Workers Compensation or employer covers them provided insurance coverage.

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The Social Security Administration denies 45% of workers who apply for disability advantages. When authorized, workers receive an average disability benefit of a small more than $ 1,100 month-to-month. This quantity is hardly sufficient to make ends meet for the majority of Bay Location Households, claims Pitney.

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Only a handful of states supply brief-term disability insurance coverage programs, such as California. These programs normally spend advantages for up to six months.

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Workers Compensation covers operate-connected disabilities only. However, the National Security Council, reports that 73% of disabilities are not operate-related.

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The Division of Labor also reports that 70% of employers do not offer you any variety of extended-term disability protection to their personnel. Pitney urges all personnel, Discover out if your employer delivers disability coverage. If it does, take time to find out how it functions and if the coverage is adequate to meet your demands.

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For workers and households that need to have a small support understanding what they need to have and what disability income sources are available to them, Pitney encourages them to function with a CFP

Distressed Property owners: Really feel like placing your head in the sand? Do you know about the California Homeowner Bill of Rights?

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Oakland, CA (PRWEB) February 19, 2013

Due to unfair bank practices, too a lot of Americans have been adversely impacted by the housing crisis. On January 1, 2013, the Homeowner Bill of Rights (HBOR) went into effect in California. The bill prohibits a series of inherently unfair bank practices that have needlessly forced thousands of Californians into foreclosure. A element of the bill prohibits the method identified as dual tracking, exactly where a lender forecloses on a house whilst simultaneously negotiating a loan modification or short sale in order to steer clear of foreclosure (and preserve the Property owners credit).

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Though foreclosure prices have lately decreased, these statistics are in comparison to historical higher rates of foreclosure in the final four years. Furthermore, the HBOR will likely slow the foreclosure procedure as banks move to comply to its provisions (and give Property owners a fair shot at foreclosure options). With that mentioned, there nevertheless are several distressed Homeowners out there:&#13

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1 out of each and every 810 housing units received a foreclosure notice in December 2012 (RealtyTrac)&#13

Foreclosure prices: 11.9% (Latinos), 9.8% (African Americans) five% (Whites) (Center for Responsible Lending)&#13

Approximately 23% of all Home owners are at the moment underwater (Multiple sources) &#13

The recidivism price on loan modifications going back into default is higher (A number of sources) and&#13

The unemployment rate has averaged eight.9% the final 4 years (US Department of Labor).

The California Homeowner Bill of Rights will materially alter the contours of mortgage servicing for borrowers in default. Historically, banks have struggled with compliance due to operational failure. When you use WatchThisProperty.com you no longer have to be in the dark. Utilizing this website will aid you to utilize the new rights of the HBOR in order to shield your most crucial asset, your house.&#13

Tiffany R. Norman, from TRN Law Associates.

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The HBOR includes extra protections, including: banning robo-signing, the assure of a single point of contact, and the proper to challenge your lender on their proper to foreclose. Property owners now have a tool created for them (and not investors) to bring transparency and help them handle the foreclosure method.

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“I was a victim of Dual Tracking which was a normal practice for banks. I was producing my trial payments and struggling to keep my property when I was foreclosed on. Thats why WatchThisProperty.com is such an critical tool. They will not only tell you if a bank has began foreclosure procedures but also supply info which aids you stay in your property.&#13

Jose, Homeowner, Pittsburg, CA

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WatchThisProperty.com believes Home owners must be capable to monitor the foreclosure status of their residence in an efficient and inovative way, such as permitting Home owners to monitor foreclosure and lien document filings and trustee sale info. Homeowners will be alerted electronically and will not have to rely on snail mail (or driving to the county records workplace) to discover such critical and timely info.

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About WatchThisProperty.com&#13

WatchThisProperty.com assists to preserve Property owners and Tenants in their residences with relevant and timely info. Founded in 2011, WatchThisProperty.com is comprised of a team of customer advocates, technologies, legal, and banking professionals. Much more info is accessible at WatchThisProperty.com.

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