New Assist Hotline for Florida Residents Facing Foreclosure

Fort Lauderdale, FL (PRWEB) January 23, 2010

American Residential Law Group announced today that it urges property owners who are facing foreclosure to make contact with its statewide hotline.

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Despite the dire condition of the housing industry, new avenues of assist have arisen for Florida residents determined to remain in their properties. One particular such venture, aptly known as, Florida Attorneys Saving Houses, has set its sights on decreasing the foreclosure rate throughout the state.

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Florida is top the country in what has now grow to be one particular of the largest episodes of residential foreclosures in recent instances.

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New information shows that all through 2009 Floridas foreclosure price rose by 34 %, affecting nearly 520,000 property owners pointing to a five.93 % statewide foreclosure-filing rate, ranking it third in the nation.

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A major player involved in the project are American Residential Law Group, a loan modification lawyer.

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The project utilizes volunteer attorneys dedicated to assisting property owners all through the negotiation approach, in hopes of making or modifying an current loan.

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In some circumstances, 70 percent of modifications outcome in an enhance in the principal amount owed on the loan. Lenders want to realize that it is in their very best financial interest to decrease the principal rather than let the homeowner foreclose in this kind of industry, says Florida Attorneys Saving Homes member Joel Jacobi, who is also the lead lawyer for American Residential Law Group.

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Property owners who are not in foreclosure, but worry the possibility, are urged to get in touch with the statewide hotline or comprehensive the intake kind on the Florida Bar internet site. Lawyers interested in delivering assistance to the mounting foreclosure dilemma are encouraged to go to http://www.floridaprobono.org. Far more lawyers are required to aid distressed property owners on waiting lists generated by the Legal Services hotline program.

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American Residential Law Group is a hugely-regarded loan modification attorney that specializes in foreclosure prevention and litigation. It serves consumers across the United States from its offices positioned in Fort Lauderdale, Florida. They can be reached by calling (877) 236-6576 or by going to arlgnow.com

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A lot more Loan Modification Services Press Releases

Lit Law Group Lists 10 Greatest Errors Created by Homeowners Facing Foreclosure

Clearwater, FL (PRWEB) January 25, 2010

With so many Borrowers in Florida facing foreclosure, many of which are confused on what actions to take, The Lit Law Group, P.A., a foreclosure defense firm, has listed the Ten Largest Mistakes of Distressed Borrowers. Much more than half of foreclosures come about without any communication among the borrower and the lender. Even with all of the government programs created to aid troubled property owners, many are nonetheless confused about their options.

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Most of the clientele I meet with are unaware of their alternatives or have been misguided by rumor. The majority of my day is spent educating homeowners and attempting to alleviate them of the pressures they are facing. I really feel that most homeowners dont understand the complexities of the Mortgage Market and do not know where to go for assistance, states True Estate Attorney Brian Lit of The Lit Law Group. 95 % of our practice is committed to assisting distressed house owners. Obtaining a decision maker and supplying the suitable documentation to a Mortgage Loan Servicer is usually a daunting and frustrating activity for most homeowners.

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Lawyer Brian Lit and Senior Lending Executive Craig Sylvestre, co-host the Fighting Foreclosure show on NewsTalk 820 am WWBA Tampa. Educating the neighborhood on current market news and how to far better safeguard themselves from the Florida Actual Estate crisis is what the show is all about, states co-host Craig Sylvestre. There is so much misinformation out there, troubled borrowers require a spot to get the appropriate answers. he added.

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The number one mistake is to do nothing at all at all according to the list:

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DO Nothing With 50% of borrowers creating no try to communicate with their lenders, a lot of borrowers are faced with the possibility of severe deficiency judgments that might total hundreds of thousands of dollars. Upon the forced sale of the property, the Lender will seek the difference in the quantity owed versus what is recouped from the sale of the property (also identified as the deficiency).

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The second most frequent error that consumers make, is to speak to the bank on their own with no seeking counsel.

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Mr. Lit stated to a media representative: Unless you are really nicely-versed in the terms and recommendations related with the Mortgage sector, there is a great danger in contacting the Lender on your own. There are a lot of programs accessible to borrowers facing foreclosure and the Lender does not have the very best interests of the borrower at heart when attempting to collect a debt.” The detailed list is offered for interested consumers to help stop foreclosure in Tampa on the The Lit Law Group’s corporate internet web site.

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The Lit Law Group, P.A., a Florida based Actual Estate Law Firm, was mostly established as part of a legal outreach to aid property owners deal with the complexities of negotiating modifications of their existing loans (Loan Modifications) and/or operating with the homeowner to sell their property exactly where the quantity may not be adequate to spend the total of all liens and costs of the sale (Quick Sales). For more information concerning the Lit Law Group, P.A., please go to or speak to, The Lit Law Group, P.A., 2364 Boy Scout Road, Suite 200, Clearwater, FL 33763 at 727-388-8332 or by way of email at info@litlawgroup.com

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Connected Loan Modification Services Press Releases

Brookstone Law, PCs Emergency Extension Division Gives Emergency Help to Seniors Facing Foreclosure Sale


Newport Beach, CA (Vocus/PRWEB) January 31, 2011

The current launch of Brookstone Law PCs Emergency Extension Division (EED) (http://www.brookstone-law.com), a new resource to support property owners facing foreclosure keep their houses, achieved timely final results this week for two neighborhood seniors by stopping the sale of their property the day just before it was scheduled to be sold.

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Bob and Angela Sacchi, a married couple in their 80s living on a fixed pension income and savings in West Hollywood, CA, had been facing foreclosure, the sale of their house and eventual eviction based on a predatory residence loan they obtained in 2004 and the banks refusal to let them to modify their mortgage regardless of quite a few attempts to repair their troubles over the previous several years. The case is Angela and Robert Sacchi, vs. Residential Credit Solutions, Inc., Case No. BC453524 in Los Angeles Superior Court.

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Like numerous property owners, the couple had heard stories about how mortgage holders facing foreclosure are treated by banks and how numerous banks do not enable brief sales to address foreclosures. Media reports have highlighted banks mishandling of mortgage foreclosures and mistreating consumers, practices which have lead to legal action throughout the country such as suits filed by more than 40 state attorneys general against banks and lenders. Coverage has integrated banks throwing peoples belongings into the street in wrongful evictions, overcharging thousands of members of the militarys mortgage payments and bank executives admitting to blatant misadministration of loan documents in wrongful foreclosure trials.

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Facing quick foreclosure sale, without having chance for a loan modification, living on a fixed low income and with nowhere to go if their property was sold, there seemed to be no way for the couple to quit foreclosure until they contacted the EED specialists at Brookstone Law.

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EEDs team of legal authorities and specialists acted decisively and fought for the couple in court by filing a lawsuit that resulted in a postponement till the finish of subsequent month. Brookstone Law will continue to represent the couple and could take additional actions to extend the postponement or obtain a cancellation of the sale.

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Thanks to Brookstone Laws EED group we went from the threat of the sale of our property to a sense of safety about our future, said Mr. Sacchi, a member of the Screen Actors Guild and American Federation of Television and Radio Artists who starred in the film “The Man Who Stole Bogart’s Face” and has appeared in many well-liked television series including “Kojak” and “Fantasy Island.” Brookstone Laws legal group helped when we required it and cared about our circumstance. They stated they would fight the bank and for us in court and they did. We couldnt have done that with out the EED at Brookstone Law.

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At a time when millions of Americans are losing their homes as portion of the foreclosure crisis, home owners face a daunting challenge when dealing with banks. To deal with these challenges, numerous home owners have turned to the EED aid them keep their properties.

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Developed by Brookstone Law Computer to aid buyers deal straight with an institutional bureaucracy that is biased against them, the EED is a special service not provided by any other firm that offers homeowners facing foreclosure a fighting likelihood to keep their properties. Brookstone Law PCs EED attorneys and specialists are knowledgeable in working directly with banks and extensively trained to assist homeowners accomplish postponements.

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Brookstone Laws legal team researches all available choices to help property owners extend their sale date whilst they are in the procedure of litigation, bankruptcy or short sale. Costs are contingent upon success of the service, which indicates customers pay only if the sale can be postponed or stopped. Property owners facing foreclosure like the Sacchis are making use of the EED to aid preserve their homes and stay away from declaring bankruptcy and in other instances to help them preserve their houses after possessing filed for bankruptcy and not being in a position to refile for 7 years.

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We dont cease functioning until we accomplish the results our clients need. Our professional legal group was so excited to hear how we helped the Sacchis, stated Nisha S., a seasoned EED specialist.

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The procedure usually requires many hours per client and several instances demand as considerably as a full day to get results since a majority of EED activity is spent by the Firms lawyers and experts in foreclosure law and litigation dealing straight and negotiating with banks and lenders.

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“Our EED legal group and specialists are to be commended for doing such fantastic perform on behalf of a deserving couple. We know how to deal with the banks and will not hesitate to go to court if essential to get the results we require, each locations where our group of legal specialists and attorneys is of greatest value to homeowners searching for relief, stated Vito Torchia, Jr., managing attorney of Brookstone Law, Computer. With no dedicated attorneys and specialists like Brookstone Laws working on their behalf, the Sacchis would be in quite difficult circumstance. We will continue to work on their behalf to aid them hold their home.

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ABOUT BROOKSTONE LAW, Pc &#13

Headquartered in Newport Beach, Calif., and with offices in Los Angeles, Calif., and Ft. Lauderdale, Fla., Brookstone Law, Computer is a law firm comprised of attorneys with encounter and accomplishment in enterprise, corporate and private finance, employment, entertainment and media, art and museum, intellectual home and true estate law. The firm has a network of more than 40 affiliate attorneys nationwide and employs very educated specialists, paralegals, paraprofessionals and administrative employees devoted to serving clientele. For information, contact (800) 946-8655 or check out Brookstone-Law.com (http://www.brookstone-law.com).

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Connected Loan Modification Services Press Releases

Kramer and Kaslow: Settlement Amongst U.S. Government and Nation’s Biggest Banks Could Assist Homeowners Facing Foreclosure


Calaabasas, CA (PRWEB) June 10, 2011

According to Kramer and Kaslow lead lawyer Philip Kramer, a new settlement amongst the U.S. government and the nation’s biggest bank could aid homeowners facing foreclosure. The Huffington Post reports that, “The Obama administration and state officials are anticipated to offer the nation’s five biggest mortgage firms updated terms next week in ongoing negotiations more than a settlement with regards to the firms’ faulty remedy of borrowers, according to 3 men and women with information of the government program.

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According to the Huffington Post report, Tuesday’s bipartisan meeting integrated the Washington Attorney Basic Rob McKenna (R) and Colorado Lawyer General John Suthers (R), who named in remotely. Prime officials from Florida’s and Texas’ lawyer common offices, both led by Republicans, attended, along with the Democratic attorneys general from Delaware, Iowa, Illinois, North Carolina and Connecticut.

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Best officials from the Treasury Department, Department of Justice and the Division of Housing and Urban Development had been also present.

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Asked for a comment, Philip Kramer, a noted attorney and senior companion at the Martindale Hubbard AV rated law firm Kramer &amp Kaslow, comments, This is potentially good news, if, and it is a big IF, the banks dont succeed in watering it down to the point where it is useless.

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To find out far more about Philip Kramers thoughts on the discussions, check out 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 industrial litigation and trial advocacy, with a concentration on company litigation, and real home matters. He has prosecuted and defended instances 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 true estate concerns relating to loan modification and loss mitigation, land use and zoning, environmental troubles, easements, construction and improvement, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice ahead of 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 cases. He has appeared on nationally televised programs relating to pre-trial procedure and trial method 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 enterprise issues.

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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 several companies. For far more details contact (818) 224-3900 or visit http://kramer-kaslow.com

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Law Offices of Kramer and Kaslow: New York Bank Investigation Could Leave Banks Facing Charges


Calabasas, CA (PRWEB) June 13, 2011

The Law Offices of Kramer and Kaslow is weighing in on a new report from the New York Times that claims that the New York lawyer general is investigating big banks for alleged wrongdoing. According to the Might 16 New York Times report, The New York attorney common has requested details and documents in current weeks from three significant Wall Street banks about their mortgage securities operations for the duration of the credit boom, indicating the existence of a new investigation into practices that contributed to billions in mortgage losses.

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Not too long ago elected New York Lawyer Common Eric T. Schneiderman declined to comment but according to folks briefed on the matter who were not authorized to speak publicly, Eric T. Schneidermans workplace have also requested meetings with representatives from Bank of America, Goldman Sachs and Morgan Stanley.

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The post also spoke with Daniel C. Richman, a professor of law at Columbia. Element of what prosecutors have the benefit of carrying out proper now, here as elsewhere, is watching the civil suits play out as diverse parties fight over who bears the loss, mentioned Richman. Thats a extremely productive supply of details.

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Noted attorney Philip Kramer, senior companion at the law firm of Kramer &amp Kaslow whose consolidated litigation plaintiffs have been suing banks for their foreclosure practices agrees with Richman, A lot of wrongdoing has been uncovered in civil circumstances. What is specifically fascinating about the New York Attorney Generals method is that they appear to have picked up on some of the problems we have utilized in our suits: fraud and greed in the securitization process being essential elements.

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More of Philip Kramers comments can be discovered at the Law Offices of 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 genuine home matters. He has prosecuted and defended cases for over twenty five years.

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

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Mr. Kramer is admitted to practice ahead of 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 cases. He has appeared on nationally televised applications relating to pre-trial procedure and trial method and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer regularly lectures on a broad spectrum of various legal and organization issues.

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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 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 businesses. For far more info get in touch with (818) 224-3900 or pay a visit to http://kramer-kaslow.com

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Agency Receives $three Million Grant Award to Assist Home owners Facing Mortgage Delinquency and Foreclosure

Riverside, CA (PRWEB) June 27, 2011

Springboard Nonprofit Consumer Credit Management is pleased to announce that it is the recipient of a $ 3 million federal grant by means of the National Foreclosure Mitigation Counseling (NFMC) Program administered by NeighborWorks

Females in Technology Presents Panel to Discuss Technologies Challenges and Opportunities Facing Government Leaders

Fairfax, VA (PRWEB) June 11, 2013

Ladies in Technology (WIT), the premier organization contributing to the success of expert girls in the Washington, D.C.-area technology neighborhood, will hold its Government Leaders at the Helm, WIT.Connect on Thursday, June 27 at the Gannett Constructing in McLean, Va. The panel of leading government leaders will discuss the challenges they face in the current budget atmosphere, their key agency priorities, the value of cybersecurity and mobility, workforce concerns and other subjects in this quickly-paced and changing atmosphere.

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The panel will also contain a Q&ampA session with the audience exactly where the speakers will give profession insights and lessons discovered to the next era of leaders in the technologies field.

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WHO: Government panelists include:&#13

Wells Fargo Bank Commits up to $250,000 for ClearPoint Credit Counseling Solutions to Assist Struggling Property owners Facing Financial Challenges


Los Angeles, CA (PRWEB) February 02, 2012

ClearPoint Credit Counseling Options (CCCS) announced these days that Wells Fargo, Americas largest mortgage lender, is committing up to $ 250,000 to ClearPoint to give in-particular person and phone counseling and assistance to its buyers including applying for mortgage modifications.

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Preservation of property ownership is the focus of this collaboration amongst ClearPoint and Wells Fargo , stated Chris Honenberger, ClearPoint president and CEO. By way of this partnership, ClearPoint will be capable to supply customized counseling to support bring relief to homeowners in distress nationwide.

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With the collaborative effort, Wells Fargo has approved ClearPoint to help extend property preservation services to Wells Fargo mortgage clients by means of comprehensive credit counseling and mortgage payment assistance. The system supplies a Internet-enabled portal for counselors to transmit the essential documents necessary to successfully offer help to buyers with mortgage modifications.

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Wells Fargo believes in the critical role HUD-approved housing counselors like ClearPoint have in assisting homeowners facing mortgage payment challenges, stated Joe Ohayon, SVP and Wells Fargo Residence Mortgage Servicing Neighborhood and Client Relations. This collaborative effort is an additional instance of Wells Fargos commitment to help clients keep in their houses.

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As part of the effort, ClearPoint employees or volunteer professional will give extensive mortgage counseling, loss mitigation help, and assist with refinancing. Wells Fargo mortgage customers facing foreclosure are encouraged to apply for assistance by calling a HUD-authorized counselor at 877-877-1995 or visiting http://www.clearpointccs.org.

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Wells Fargo buyers can also receive help straight from Wells Fargo House Mortgage by calling Servicing at 800-678-7986, on the Web at http://www.wellsfargo.com/homeassist/, and at Wells Fargo Residence Preservation Workshops (a schedule is posted at http://www.wfhmevents.com/leadingthewayhome). From January 2009 by means of November 2011, Wells Fargo has conducted 724,710 active trial or completed mortgage modifications in its servicing portfolio. According to Wells Fargo executives, more than the last 12 months, much less than two percent of the owner-occupied mortgage loans in the companys servicing portfolio resulted in a foreclosure sale.

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Associated Loan Modification Services Press Releases

Homeowners Customer Center Now Urges Home owners Nationwide Facing A Foreclosure In Need Of A Loan Modification Or A Mortgage Workout To Get in touch with The Law Workplace of M. E. Ludt


(PRWEB) Could 09, 2012

The Home owners Consumer Center is one particular of the ideal branded property owners advocates in the United States, and the group is endorsing the law firm M.E. Ludt as the go to law firm for homeowners in any state, who are in search of a loan modification, pre-foreclosure defense, foreclosure defense, or a mortgage workout. The Law Workplace of M. E. Ludt, LLC also assists homowners with loan servicing nightmares, where the bank or loan servicer has not appropriately applied mortgage payment to the homeowner’s account, and as a outcome the homeowner is now in default. The Homeowners Consumer Center says, “Tragically, millions of individuals, or families struggling to save their properties attempt to repair a substantial issue with their bank, or loan servicer on their own, and the standard outcome is failure, and a foreclosure.” The Home owners Consumer Center has endorsed the Minneapolis based Law Workplace of M. E. Ludt simply because this law firm regularly produces considerable outcomes for home owners seeking relief below one particular of the federal MHA loan modification, foreclosure defense, or mortgage exercise programs or an in-house system. For far more details homeowners wishing a loan modification, or dealing with a possible foreclosure, mortgage default, or loan servicing issues are urged to get in touch with the law firm M.E. Ludt at 1 (888) 364-8844. http://HomeownersConsumerCenter.Com

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The Property owners Customer Center has endorsed the Law Firm of M.E. Ludt for their legal capabilities for property owners in all 50 states, who are want the following sorts of assistance:&#13

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

The Home owners Consumer Center says, “The attorneys of the Law Office of M. E. Ludt, LLC are a nationwide group of attorneys that offer you extensive mortgage representation for home owners looking for a loan modification, foreclosure defense, or a mortgage exercise by way of the federal MHA or In-residence programs. Their representation contains local of counsel attorneys in ALL 50 STATES. The Law Office of M. E. Ludt, LLC and its nationwide network of attorneys will represent you in court, mediation hearings, and or during the complete mortgage renegotiation procedure.” The Homeowners Consumer Center is urging home owners looking for a loan modification, foreclosure defense, or a mortgage workout to make use of the unequaled talents of the Law Office of M. E. Ludt, LLC in all US states. For much more info please speak to the Law Office of M. E. Ludt, LLC at 1 (888) 364-8844. http://MELudtLaw.us.

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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


(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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