Redesigned Shoprate.com Provides Expert Suggestions for Mortgage Consumers

Foster City, Calif. (PRWEB) Might five, 2009

Shoprate.com, an Web marketplace devoted to connecting guests with good quality lenders, recently underwent a huge redesign to far better serve guests by means of enhanced usability and enriched content. In today’s uncertain economy, Shoprate.com answers challenging customer questions about mortgage prices, refinancing choices, house purchasing and far more.

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Property buying and mortgage financing have become increasingly challenging for buyers to keep up with and understand. Add in new government plans like Obama’s Producing Home Cost-effective proposal, tax breaks and state-funded initiatives, and home loan applicants could finish up shell-shocked, brain-fried and discouraged. Shoprate.com addresses these issues with its newly created website, delivering visitors with day-to-day interest price quotes, mortgage news, mortgage calculators, price lock recommendations and a new specialist opinion section.

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“Shoprate.com’s new functions enable absolutely everyone, from 1st-time property buyers to specialist investors, to comply with interest rates and trends, and even uncover nicely-researched tips on loans ranging from low-revenue USDA goods to $ 50 million super-jumbo transactions,” mortgage expert and Shoprate.com Spokesperson, Liz Freeman mentioned. “Users can even get a bona fide specialist to answer their queries personally.”

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Shoprate.com’s extensive redesign contains the following:&#13

The Mortgage Interest Price Table gives customers with the very best available interest prices. Whether or not looking to acquire their very first residence or to uncover the very best refinance quote, the interest price table helps users make smarter decisions when shopping for a mortgage.&#13
Regular Mortgage Rate Updates. It is frequent for prices to update every few hours as volatile bond and mortgage-backed securities markets drive prices in diverse directions. Shoprate.com brings you these up-to-date prices.&#13
Ask the Professional. The Shoprate.com panel of hugely qualified and experienced mortgage specialists gives answers to a wide variety of user-submitted queries.&#13
Every day Mortgage Rate Evaluation, Trends and Price Lock Recommendations. Every organization day, Shoprate.com professionals comb the bond and mortgage-backed securities markets, the stock markets and government economic reports, and compile it into 1 straightforward-to-read short for shoppers.&#13
Weekly Articles offer you tips on mortgage buying, property loan value determination, mortgage insurance and benefits. Articles also address how to uncover a loan expert and how to make credit and loan applications impress underwriters.&#13
Mortgage Calculators are invaluable tools for assisting mortgage shoppers establish how significantly property they can afford, what type of loan they might qualify for, how month-to-month payments are applied to the loan balance and when to refinance.

For mortgage shoppers hunting for a initial home and an FHA loan, or homeowners asking yourself if they qualify for a refinance or modification under the HASP system, Shoprate.com’s revitalized tools and panel of authorities can point them in the correct direction. Shoprate.com’s specialist opinion section can be located at http://www.shoprate.com/professional-opinion.

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About Shoprate.com:&#13

Shoprate.com is a trusted resource where shoppers can compare mortgage prices, read expert guidance and analyze data before producing financial choices. The site’s renewed concentrate on high top quality content and usability has allowed Shoprate.com to become an on the web leader in mortgage, home equity and refinancing info.

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Discover Far more Loan Modification Press Releases

Is the Mortgage Debt Relief Act Protected? Expert Property Options Thinks Not


San Diego, CA (PRWEB) September 22, 2011

Home owners, who go past 2012 with no loan mod and have to quick sale, could have a huge tax bill. Some short sales take a year. Property owners who wait till 2012 might have a brief sale close in 2013 and face a enormous tax bill.

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EHS says Be Concerned. Heres how the 2007 Act functions. If your lender forgives any of your loan, it is reported to the IRS as ordinary income. That revenue could add over $ 100,000 to your taxable revenue. The 2007 Act forgives that tax.

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Congress created a bi-partisan 12-member committee to decrease the $ 1.five trillion dollar tax deficit. Every thing is on the table which includes the tax deduction for mortgage interest and property taxes. This tax credit, which permits property owners to exclude up to $ 2 million dollars in mortgage debt forgiveness, is an simple repair. Remember, congress didnt extend the initial time buyer credit.

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2012 is a presidential election year. There is no telling who will be in power or what the political ear will be willing to hear.

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Even the existing mortgage interest tax deduction is under scrutiny. The committee estimates that by limiting mortgage interest and other itemized deductions for household incomes above $ 250,000 or people over $ 200,000, they can shave off $ 250 billion from the deficit. Why not let a temporary act currently scheduled to expire for everyone in 2012 disappear? This will affect folks producing a lot much less than $ 250,000.

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Homeowners want to believe tough. Banks can hold homeowners on the hook paying if they face serious taxes. They can foreclose if home owners cant pay. Suggestions: Dont wait!

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For answers, sign up for a Cost-free Guide for Distressed Home owners.

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Mary Ellen Wilson, broker (Lic. #01487433), Expert Residence Solutions Inc. dba Specialist House Auctions International, 877-267-2514×7, 877-276-8563 FAX, mewilson(at)experthomesolutionsincusa(dot)com, has been licensed because 2005. Her web experiences from 1995, prompted her to commence EHA online in Might, 2009. She has run over 40 auctions.

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A total media kit is accessible with videos, audio, photos, art, interview concerns, and top ten.

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Associated Loan Modification Press Releases

Expert House Options Warns Home owners to Act Now The Debt Relief Act of 2007 Expires 2012


San Diego, CA (PRWEB) September 30, 2011

According to Professional House Solutions, the distinction in the loan modification payment is frequently not various sufficient from the original. Occasionally the modification is canceled simply because there is no grace period and the homeowner misses his due date.

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According to an report on CNN only 1% of homeowners in negative equity have received modifications. There have been 1.5 million HAMP trial modifications because the system started in March, 2009. 50% of the trial modifications have been canceled due to borrowers defaulting or banks rejecting property owners after the trial period. Only 152,289 of the trial modifications converted to permanent status have been active in 2010. 15 million property owners are in default and only 1% have been capable to get a modification that is nevertheless in force.

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According to [http://www.walletpop.com only 4% of loan modifications get a principal reduction. With only 1% of the 15 million home owners in default receiving a loan modification that implies that about 7,000 home owners received a principal reduction by April 2010.

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Whilst this trend continues nowadays some property owners want retirement with a reverse mortgage or want to leave a legacy to their household. In a modification with no principal reduction they will not be capable to do either. Equity usually increases about three% per year. If a property loan is $ 500,000 and now the house is worth $ 300,000, it will take 18 years to reach $ 500,000. This homeowner breaks even in 2029. If the owner quick sales now, he can acquire in two years and start developing equity in 2013.

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Mary Ellen Wilson, broker (Lic. #01487433), Professional Property Solutions Inc. dba Specialist Residence Auctions International, 877-267-2514×7, 877-276-8563 FAX, mewilson(at)experthomesolutionsincusa(dot)com, has been licensed because 2005. Her net experiences from 1995, prompted her to start off EHAI online in May possibly, 2009. She has run more than 40 actual estate auctions.

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A full media kit is accessible with videos, audio, photographs, art, interview concerns, and leading ten.

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Uncover Much more Loan Modification Press Releases

Free Monthly Webinars for Distressed Homeowners from Expert House Solutions


San Diego, CA (PRWEB) November 01, 2011

EHS is supplying cost-free webinars for distressed homeowners who may possibly be in need to have of loan modifications or short sales. The next webinar Anatomy of a Brief Sale will be Nov. 15, 6pm PST. House owners facing divorce, bankruptcy, probate, NODs or NOTS, will discover the short sale can be the answer to rebuilding and moving on to a happier life.

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Even probate executors and administrators want to watch this webinar. More usually these days a decedents house is underwater. The important for the administrator or executor is not to take the inheritance till right after the residence has been sold. In most instances, this indicates no payments on the mortgage in the course of the method, no harm to the credit of the heirs, no attorney or realtor charges to the estate. Far more advice can be obtained at http://www.distressedassetssd.com. Right here property owners can get the guidance of attorneys.

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Our organization did see one particular executor who hired a realtor who was not familiar with the benefits of a quick sale. The estate had no money beyond the actual estate. This executor paid $ 5000 of her personal money to an lawyer to settle the estate and on his genuine estate agents suggestions was paying $ 1000 per month from her personal pocket for a mortgage for a house that was not in good repair and needed to be a brief sale.

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The subjects we will cover on Nov. 15 at 6PM PST are:&#13

1. Measures in a brief sale &#13

two. Begin creating equity again for retirement and the family’s legacy&#13

three. Selecting an agent and negotiating firm&#13

4. Stress Free of charge Promoting

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Contact 877-267-2514 x121 and leave name and e-mail to obtain an invitation. Home owners can see final months seminar Loan Modifications vs Brief Sales at http://vimeo.com/30771099.

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When home owners sign up, they will get invitations to future webinars like Anatomy of a Brief Sale Part II that will cover Extra concerns:&#13

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Philip Kramer Responds to Deutsche Bank Suit Against Foreclosure Expert


Calabasas, California (PRWEB) June 12, 2011

The Law Offices of Kramer and Kaslow not too long ago weighed in on a news article published on the Huffington Post net website final month. According to the Huffington Post’s report, Deutsche Bank is suing the son of foreclosure specialist Lynn Szymoniak for what she is quoted in the post is “in retribution for her efforts to bring their malfeasance to light.”

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Ms. Szymoniak not too long ago appeared on an April 3, 2011 60 Minutes episode, and blasted the lenders for what she believes are their errant ways. For far more particulars, view Ms. Szymoniaks response to the Deutsche Bank suit (Palm Beach Circuit Court, CASE NO: 50 2008 CA 022258 XXXXMB)

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In the Huffington Post post, it is reported that shortly right after the look on 60 Minutes: Szymoniak won a key victory in her personal foreclosure case. The court identified that Deutsche Bank was unable to demonstrate ownership of her mortgage, which had initially been issued by the defunct subprime mortgage lender Alternative 1, and threw the case out.

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According to court documents, Deutsche Bank was permitted to re-file their case if the bank could get appropriate documentation, however. And on Friday, May 6, Szymoniak received a notification from the bank’s lawyers that she was once more being sued for foreclosure.

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Additionally, according to court documents, Deutsche Bank wasn’t just going soon after her. The bank was also attempting to sue her son, Mark Cullen, who is presently pursuing a graduate degree in poetry at the New College in New York. Cullen hasn’t lived in Szymoniak’s home for seven years and is not a celebration to any aspect of her mortgage — he has no interest in either the property or the loan, and by no means has had any such interest, according to Szymoniak.

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“It is just absolute harassment,” Szymoniak mentioned in her interview with the Huffington Post. “He does not personal anything, for god’s sake! He’s receiving a masters in poetry. He not only doesn’t have any funds, he’s by no means going to have any funds.”

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Each Deutsche Bank and their legal counsel, Akerman Sentertfitt LLP, declined to comment.

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California-primarily based consolidated plaintiff litigation attorney Philip Kramer, whose Kramer &amp Kaslow law firm has filed a number of lawsuits against lenders on behalf of property owners comments, I am not shocked to hear that Deutsche Bank had improper record keeping. That is rampant. I am not shocked that they re-filed the suit. It was either that or by their silence admit wrongdoing. What is startling is that they would seek retribution against an innocent third party. I cant believe that any court will let this stand.

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Learn more by going to the Kramer and Kaslow weblog.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior partner 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 commercial litigation and trial advocacy, with a concentration on enterprise litigation, and true house matters. He has prosecuted and defended instances for more than twenty five years.

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Mr. Kramer is a licensed genuine estate broker and has spent considerable time delivering legal solutions in connection with real estate problems relating to loan modification and loss mitigation, land use and zoning, environmental concerns, 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 instances. He has appeared on nationally televised programs regarding pre-trial process and trial approach 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 numerous legal and business 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 committed to bringing professionalism and civility back into the legal profession. He also serves on several Boards of Directors and serves as an officer in many businesses. For a lot more data call (818) 224-3900 or visit http://kramer-kaslow.com

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Expert Real Estate Broker Releases New Book, Support! I Cant Make My Home Payment!”

Phoenix, AZ (PRWEB) April 01, 2013

Liz Recchia, a expert true estate broker and owner of We Sell True Estate, LLC who has sat across the kitchen table from hundreds of distressed real estate owners, announces the release of her new book, Support! I Cant Make My Home Payment! (2013). This comprehensive resource for the distressed homeowner covers loan modifications, quick sales and foreclosures from the first missed payment to the close of a brief sale or completed foreclosure. The book offers a complete look at what a homeowner is facing and how they can handle the approach to obtain their very best outcome.

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In March, RealtyTrac reported a 22.7% improve in foreclosure filings among the end of January and the end of February nationwide. Nevada saw a 334% improve year over year while California saw nearly a 50% boost year more than year. Phoenix, Las Vegas and several cities in California seem on RealtyTracs Very best Markets for Purchasing Short Sales list as brief sales stay a big part of those markets.

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Aid! I Cant Make My Property Payment! gives distressed property owners the tools to handle and control their distressed homeownership, their private finances and their emotions while they negotiate a short sale or loan modification. A lot more importantly, the book equips homeowners to make rational decisions and plan their monetary future so they can prepare to acquire a property once again in a single to 5 years.

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Help! I Cant Make My Home Payment! goes beyond the technical, legal, and financial processes of other books and addresses home owners from their point of view The Kitchen Table perspective. Actual case histories detail the documents home owners see and illustrates real world examples of the choices property owners make. The book shows property owners how to remain in manage of the approach and manage their choice making based on information not emotion whilst producing plans for future economic stability and real estate ownership.

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Wellcentive Team Earns Prestigious PCMH Content material Expert Certification


Atlanta, Georgia (PRWEB) May possibly 30, 2013

Wellcentive, an Atlanta-based provider of innovative Population Overall health Management and Data Analytics options, right now announced that two members of its Implementation Team have earned Patient-Centered Medical Home (PCMH) Content Professional Certification (CEC).

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NCQA developed the PCMH Content material Expert Certification (CEC) plan in an effort to assist practices and other interested parties recognize experts with a demonstrated understanding of the NCQA PCMH Recognition plan and to supply professionals with a way to validate their knowledge bases.

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The PCMH Content Specialist Certification highlights comprehensive knowledge of the requirements, the application process and the documentation of the NCQA PCMH Recognition Program. This prestigious and expert credential positions authorities in the field that are aligned with NCQA’s mission to improve the good quality of overall health care.

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To earn the NCQA PCMH CEC designation, Implementation Team Lead Tracy Webb and Implementation Consultant Wendy Ahrens had been needed to total two rigorous PCMH education seminars and pass a extensive exam validating their information of NCQA Recognition requirements and suggestions, application procedures, survey processes and documentation specifications.

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Certified NCQA Patient-Centered Healthcare Home Content material Specialists acquire thorough training and demonstrate in-depth knowledge to help organizations applying for NCQA PCMH Recognition, mentioned NCQA President Margaret E. OKane.

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With so much noise and so numerous potential partners in the marketplace, it is very tough for practices to identify these who provide credible path and assistance, stated Mason Beard, Wellcentive Co-founder and Senior Vice President of Options and Operations. Our answer has a full variety of capability to aid care teams proactively handle a patient via all their care transitions which are vital to the health-related property model. The PCMH CEC system is an additional way for us to stand out and demonstrate our commitment to practices that want to be healthcare homes. We are excited for Tracy and Wendy, as well as the many Wellcentive clients they help.

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About Wellcentive

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Since 2005, Wellcentive has delivered physician-facing, population wellness management and data analytics solutions that aid consumers boost each clinical and financial outcomes. Wellcentive’s cloud-based, scalable, customizable Advance answer enables Accountable Population Health Management with business-leading point of care tools, care gap evaluation, automated patient outreach, outcomes reporting, predictive modeling and danger assessment, care management and coordination, and price and utilization evaluation. Wellcentives proprietary interfacing platform aggregates and normalizes clinical and administrative information from disparate sources, such as EMRs, local and national labs, e-Rx, PMS, well being systems, payers, HIEs, and data warehouses. Wellcentive transforms this actionable information into meaningful details that enables preventive care, evidence-based chronic illness management, clinical integration, and participation in functionality-based and danger-based reimbursement programs, which includes Pay-for-Performance, PCMH, PQRS, and Accountable Care.

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Thousands of providers and their organizations use Wellcentive solutions to deliver high-good quality, price-powerful care for many millions of patients. Wellcentives top-edge interfacing platform has far more than 1,600 live interfaces with a wide variety of local and national interfacing partners. Wellcentives customers incorporate some of the most prestigious doctor groups, physician organizations, well being info exchanges, expert organizations, and employer groups in the country.

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About Patient-Centered Health-related Homes

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Medical homes are the quickest developing delivery program innovation in current years. Research show they improve the top quality of principal care, as well as patient and provider satisfaction with care. Far more practices have transformed into patient-centered healthcare homes by earning NCQA PCMH Recognition than by following any other healthcare home model, creating NCQAs plan the most extensively adopted in the nation. Given that 2008, PCMH Recognition has been NCQAs fastest-developing evaluation system, with far more five,500 practices earning the NCQA designation as health-related residences.

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About NCQA

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NCQA is a private, non-profit organization committed to enhancing well being care quality. NCQA accredits and certifies a wide range of well being care organizations. It also recognizes clinicians and practices in essential locations of functionality. NCQA is committed to providing overall health care good quality info for shoppers, purchasers, wellness care providers and researchers.

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Associated Administrator Press Releases

Securitization Guru Justin Ford Partners with Discovery Expert Anthony Martinez and Becomes e-Logic Group’s COO for Advanced Securitization Audit Analysis Services


Miami, Florida (PRWEB) August 21, 2012

As companies continue to offer worthless securitization reports to consumers, e-Logic continues to grow as one of the most dominating and leading providers of an advanced securitization style analysis unmatched by any securitization audit provider. To enhance e-Logic’s position in the market, the company has announced its newest addition, Justin Ford, as its Chief Operating Officer. “Justin not only brings advanced research and knowledgebase to the team, he also brings a refreshing level of enthusiasm, focus and resolve to our entire vision,” says Anthony Martinez, e-Logic’s CEO.

“I’m excited at the opportunity to help enhance the service level e-Logic brings to its client base,” says Mr. Ford. e-Logic is one of the only service providers to create the kind of hybrid securitization analysis reports that attorneys can actually use.” As it stands, a number of companies in the market offer training in securitization research using tools like the Bloomberg Terminal. These “allegedly” trained companies in turn provide reports that while maybe informative, can rarely be used in court because neither the report nor the affidavit accompanying it can pass the required expert witness muster.

“The industry is saturated with bad and useless information. What e-Logic brings to the table is something very different. The Securitization, Discovery Strategies & Tactics Analysis Report(SDST Analysis Report) is exactly what it sounds like. It does more than just identify the securitization chain, it takes that information and incorporates it into a litigation analysis for the attorney reading the report and enables the attorney to understand not only the different methods to approach the case but the pitfalls they may run into,” says Mr. Ford.

This effort is lead by one of the leading complex litigation discovery experts in the litigation market today – Anthony Martinez, e-Logic’s Chief Executive Officer who brings over 16 years of real hands on experience. “Time is money. Attorneys don’t have time to waste on useless resources and they’re not happy to bill their clients for things they cannot use. It not only makes them look bad but it discourages someone in need of legal counsel to defend or prosecute a real property matter. Real property litigation is serious. These attorneys are going up against a trillion dollar machine with only a few thousand dollars. Some may call it stupid – we call it guts! You better believe every dollar needs to be well spent so it’s imperative we provide the sharpest sword – a cutting edge product that gets them to the table to play” says Mr. Martinez.

In today’s market people need to understand there’s much more needed to prevail than just Bloomberg certification and a terminal account. You have to have the prerequisites to qualified as an expert in the courtroom with a judge thats already prejudiced against the homeowner and counsel. According to Mr. Martinez, “You have to be fluent and prepared to justify how a $ 250,000 loan was aggregated into 1.2 billion for ABC Trust 2007-AE1, show how the aggregated amount was converted into a security bond/certificate and distributed over 35 classes (fractionalized). Then you better be prepared to show how of the 35 classes, YOUR subject loan was found in 18 of the classes (fractionalized) and of the 35 classes 28 have been paid off in full leaving 7 with an aggregated value of 1.7 million. You then need to explain how of the 18 YOUR loan was found in, 15 of those classes are part of the 28 paid in full and of the 3 classes where YOUR loan is still fractionalized, the aggregated amount is $ 275,000. That’s just a speck of the kind of valuable and useful information attorneys need in their analysis which gives good cause for an accounting, something attorneys have difficulty obtaining through a normal discovery request.”

About e-Logic Group, Inc. – e-Logic is one of the most advanced e-Discovery Providers in the industry today that uses state of the art technology that incorporates intelligent algorithms and analytics to automate information processing. e-Logic is now a provider of high end Advanced Securitization Audit and Forensic Audit Analysis Reports for attorneys engaged in loan level litigation involving fraud.

About Anthony Martinez- Mr. Martinez is a top Discovery Expert, Consultant and Strategist in the industry today with over 16 years of experience in complex litigation discovery and e-discovery matters. A veteran of the gulf war, Mr. Martinez is currently the President and CEO of e-Logic Group, Inc., Executive Director of Anthony Martinez & Associates, a leading LPO Service Provider and is the Author of Discovery Tactics, a leading Weblog that discusses real property litigation matters, case law and other topics.

About Justin Ford – Mr. Ford is a seasoned securitization specialist and former Principal of Automated Expeditors of America in Detroit, MI – a leading provider of advanced securitization research and audit reports. Mr. Ford has an extensive background in client relationship building, marketing and corporate branding.







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