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Free of charge Foreclosure Defense from Stopa Law Firm

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Tampa, FL (PRWEB) June 23, 2011

Mark Stopa, a prominent foreclosure defense lawyer who represents a number of hundred Florida property owners, is providing totally free foreclosure defense to 5 Florida property owners.

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Stopa Law Firm is providing the cost-free representation as element of a foreclosure seminar on Saturday, June 25, 2011 at 11:00 at Hyatt Spot / Westshore, 4811 W. Principal Street in Tampa. Mr. Stopa intends to speak about a range of foreclosure-connected subjects, including strategic default, loan modifications, quick sales, bankruptcy, and other “hot button” foreclosure concerns.

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“I have observed also many awful foreclosure stories – elderly couples forced to choose among mortgage payments and medicine, households with a wheelchair-confined or cancer-stricken kid. I want to aid property owners in the most dire of situations, and for five of them, I will do it for totally free,” stated Mr. Stopa.

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Property owners who are facing foreclosure and struggling financially are encouraged to attend the seminar. Even if they aren’t 1 of the 5 selected for free of charge representation, Stopa Law Firm believes all homeowners will realize the benefits of cost-effective legal representation.

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“I’ve usually had consumers tell me they could not locate a foreclosure lawyer they could afford till they located Stopa Law Firm. That is my aim – I want to assist home owners who otherwise wouldn’t be capable to afford a competent foreclosure lawyer.”

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Stopa Law Firm has been representing home owners facing foreclosure since 2008. It has offices in Tampa, Orlando, Ft. Lauderdale and Jacksonville. Stopa Law Firm can be reached at 888-450-1549 or http://www.stayinmyhome.com. Mark Stopa often contributes to a foreclosure blog, which can be discovered at http://www.stayinmyhome.com/blog.

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Much more Loan Modification Press Releases

REST Report Gives Mortgage Loan NPV Analysis Now Accessible to Shoppers from getRESTreport.com

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Aliso Viejo, California (PRWEB) July 30, 2010

getRESTreport.com nowadays announced the availability of the REST Report to the basic public. Developed to support distressed home owners by delivering NPV info, every customized, 11-web page REST report gives loan disposition data employed by banks and the United States Treasury Department to establish if the qualifications set forth in President Barack Obamas HAMP plan have been met.

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In addition, the report evaluates in-home modification numbers to assess if there is a genuine claim to reduce the rate or principle, or extend the term of the loan. Borrowers that dont qualify for a single of these applications can use the report when thinking about a short sale, deed-in-lieu, or returning the property to the bank.

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Previously, only banks and monetary institutions had access to this sophisticated loan disposition evaluation computer software. With getRESTreport.com, consumers have access to up-to-date details, which empowers them to make powerful choices.

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Before getRESTreport.com, homeowners turned to buddies, family members, self-proclaimed specialists, and attorneys to establish the ideal way to approach the banks, stated Corvi Urling, Executive Assistant, getRESTreport.com. Or worse, they entered into a trial modification with their lender only to be told soon after many months that they really dont qualify for the system.

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With a copy of the REST Report from getRESTreport.com in hand, homeowners can determine if they qualify for any of the offered applications before they invest time and money in the process. They can use that information to prepare a package that explains to the lenders and servicers why tends to make monetary sense to modify the loan.

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Whether the loan is held by Bank of America, Wells Fargo, Citibank, Wachovia or 1 of hundreds of smaller sized institutions, the 11-page REST Report from getRESTreport.com analyzes the monetary institutions needs, the specifics of the house, and the borrowers existing financial scenario, stated Urling. The document compares the various economic outcomes that would result from modifying a mortgage compared to the charges of foreclosure. This document empowers home owners to make sound decisions primarily based on information.

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The REST Report is significantly different than a lot of of the free of charge reports available to the public since it shows all of the information and provides borrowers with the definitive information they need to have to face the banks in court.

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Whether a homeowner attempts to negotiate with their lender or servicer on their personal, or retains an lawyer or other third party to represent them, they require substantive facts about the achievable dispositions of that loan proving that it is in the greatest interests of investors to approve the modification or short sale, mentioned Urling.

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About getRESTreport.com&#13

getRESTreport.com provides property owners with access to info, tools and expertise that could support in the negotiation of a loan modification and in dealing with other debt associated concerns. Armed with this info, buyers are empowered to figure out if they qualify for HAMP or an in-home modification before spending time and money to pursue that selection. Homeowners that qualify can use the details in the report throughout negotiations with their lender or servicer. Those that dont can make decisions based on the information.

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Guerilla Techniques for Financially Surviving a Layoff Guidelines from Apprisen Financial Advocates

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Columbus, Ohio (Vocus) August 31, 2010

Apprisen Economic Advocates is a national nonprofit customer credit counseling agency that supplies individual economic counseling and financial education. Listen to the news or read your local paper and the economic news does not look to be getting any much better. The typical American household is only a paycheck or two away from economic distress.

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The initial reaction to becoming laid off can bring feelings of fear, anger, disbelief and sadness, says Michael S. Kappas, President and CEO of Apprisen Financial Advocates. It is crucial to acknowledge these feeling, but move beyond them to take control of your finances. Possessing a get-it-done attitude is vital to surviving a layoff throughout these challenging times, adds Mr. Kappas.

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Apprisen offers these layoff monetary survival suggestions:

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Crunch the numbers:&#13

Figure out your current monthly net income. Identify how a lot of pays are left at your present earnings and estimate your new income level soon after the layoff.

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Make housing your priority:&#13

There are several choices available for financially strapped homeowners, including loan modifications and forbearance applications. Make contact with your mortgage organization instantly. If you have difficulty functioning with your bank or are uncomfortable operating with them, contact a HUD approved housing counseling agency. They will aid discover the proper remedy for your situation. The counseling is free of charge.

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Get lean:&#13

Every single month spend your fundamental demands very first (utilities, food, medicines, and transportation). If money remains, keep other creditor accounts present.

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State the information:&#13

Make your creditors aware of your employment status. Ignoring them will only add tension and produce more troubles later. Communicating with them increases the likelihood they will perform with you to explore choices, such as particular hardship applications. Only agree to payment arrangements that are realistic for your new circumstance.

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Avoid the credit trap:&#13

The temptation to use credit throughout a financially-tight time may seem like an simple answer but can lead to added debt with lengthy-term consequences.

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Dont go it alone:&#13

Take benefit of community sources such as social service agencies and faith-based organizations and make them element of your employment transition team.

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For extra financial details on surviving a lay off and cash management and debt counseling, make contact with Apprisen at 800.355.2227.

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Apprisen Financial Advocates, a national nonprofit credit counseling agency, has been assisting consumers handle their finances and get out of debt since 1955. Certified counselors offer funds management, debt counseling, HUD-authorized housing counseling and monetary education. Services are provided in-particular person in ten states by means of regional offices and nationally by telephone or through the World wide web. The oldest nonprofit credit counseling agency in the country, Apprisen Financial Advocates is identified in its local communities as Consumer Credit Counseling Service (CCCS). Accredited by the Council on Accreditation (COA), Apprisen is a member of the National Foundation for Credit Counseling (NFCC), the Much better Business Bureau (BBB), and AICCCA. For far more information get in touch with 800.355.2227 or go to http://www.apprisen.com.

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Michigan Mortgage Negotiators Offers Cost-free Seminar On “The Six Legal Ways to Keep away from Foreclosure” and how to Successfully Modify your Mortgage

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Grosse Pointe, MI (PRWEB) September 23, 2010

Did you know that 85% of all property mortgages written amongst 2000 and 2008 have a single or more substantial violations of federal or state law that will assist you get your mortgage modified.

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The seminar will also offer an in-depth appear at mortgage modifications and offer participants with info on how to get a successful and beneficial loan modification. The seminar will cover the Truth in Lending Act (TILA) and the Genuine Estate Settlement Procedures Act (RESPA) and how minor violations of either act can give the homeowner powerful leverage in dealing with their bank or mortgage lender. Mark Wilk Law will also discuss forensic loan audit techniques and its value as a tool to assure a successful modification or, in some situations, providing the homeowner the chance to cancel their mortgage and receive a full refund of all money paid to the lender from the starting of the mortgage.

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According to attorney, Mark Wilk, founder of Michigan Mortgage Negotiators, 85% of all mortgages written in between 2000 and 2008 have a single or far more important violations of federal or state laws. It is these violations that give the avenue for homeowners to receive a quick and advantageous mortgage modification.

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Banks and mortgage lenders have no incentive to take a proactive method in assisting property owners solve their economic problems mentioned Wilk. Banks would rather put a family members out on the street then attempt to find a way to hold the loved ones in their property and nevertheless gather some income.

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Our seminar makes it a lot less complicated for home owners to learn about the possibilities and tools obtainable to support them by means of their financial issues from an organization devoted to serving the homeowners demands rather than trying to pick up data on their own. Wilk added. If the homeowner invests two-hours listening to the material presented, he or she will know enough to be capable to make the decisions needed to save their house, cease foreclosure and get back on strong monetary ground.

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To register for this totally free seminar on Saturday, October 9, 2010, please pay a visit to our net site at http://www.markwilklaw.com and click on UP-COMING EVENTS to register, or call us at 586-404-0076. Pre-registration is suggested.

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Michigan Mortgage Negotiators, LLC, a division of Mark Wilk Law, PLLC, and its attorneys offer mortgage modification, forensic loan auditing and litigation solutions to home owners in Wayne, Macomb, Oakland, and Livingston counties of Michigan who are in need of a mortgage loan modification to save their residence from foreclosure. We also supply litigation services to homeowners who are the victims of predatory loan practices, unscrupulous brokers and mortgage lenders.

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If you would like a lot more data about this subject, or to schedule an interview with lawyer Mark Wilk, please get in touch with Mark at 586-404-0076 or e-mail him at markwilklaw(at)att(dot)net.

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National Mortgage Complaint Center Desires To Hear From Victims Of Banks Saying Quit Creating Mortgage Payments & The Resulting Foreclosure

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Washington, DC (Vocus) October 15, 2010

In an try to clarify bank misconduct in the US foreclosure, and real estate disaster, the National Mortgage Complaint Center is looking for a particular group of former property owners, who had been never late on their mortgage payment, who had decided given that they had been upside down on their mortgage payment they would make contact with their bank/loan servicer for a loan modification, who were then told by their bank, or loan servicer to quit producing mortgage payments, and rather than getting a loan modification, lost their property to a foreclosure. The group says, “These are the exact men and women we want to talk to. A single of the gigantic issues in the US foreclosure disaster is banks, or loan servicers do not assign a homeowner attempting to take advantage of a loan modification to the same customer service agent. As an alternative the borrower by no means talks to the exact same particular person twice-no names-e-mail addresses-nothing.” The National Mortgage Complaint Center says, “The group of people we want to hear from are borrowers, who had been usually on time, who had been told to quit producing their mortgage payments by the banks, or loan servicer, who wanted a loan modification, but alternatively got a foreclosure notice.” The National Mortgage Complaint Center is saying, “please do not attempt to contact us with this information, merely go to our web website speak to page-fill out what happened-the name of the bank-when you have been told to quit making payments-and when you lost the home. Following reviewing this info we will contact you.” http://NationalMortgageComplaintCenter.Com&#13

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The National Mortgage Complaint Center says, “We are most interested in homeowner, or former homeowners, who are in states with judicial foreclosure laws. Also, we feel it is extremely crucial to find individuals, who received no notice from the bank, that a foreclosure was imminent, which means the bank sought foreclosure on their home with no initial notifying them of bringing the case.” The group says once again, “Please no phone calls, we cannot deal with thousands of calls per hour. Just go to the make contact with web page on our net website and fill out the contact kind.” http://NationalMortgageComplaintCenter.Com

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There is no price to shoppers for this investigation, on the component of the National Mortgage Complaint Center.

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The National Mortgage Complaint Center is 1 of the most quoted supply in the United States on predatory mortgage lending. The group has been featured, or quoted in the Wall Street Journal, Cash Magazine, Newsweek Magazine, Excellent Housekeeping Magazine, Parade Magazine, The New York Occasions, The Los Angeles Instances, and numerous other news, or media outlets. In the June 2005 edition of Funds Magazine, the group warned about a national financial train wreck if banks, and major US homebuilders did not place a stop to appraisal fraud. The National Mortgage Complaint Center is now saying, “US banks are either producing foreclosures simply because of sloppiness, and incompetent consumer service, or they are hiding the accurate number of prospective US foreclosures, out of worry it would create an instant economic meltdown. What happened to all the mortgage bailout cash the banks received from the morons in the Nancy Pelosi Congress?” http://NationalMortgageComplaintCenter.Com

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hCGTreatments / Diet plan Doc hCG Diets & Weight Loss Plans Offers New Diet regime Plans, Now Capable of Assisting Sufferers Keep away from The Danger of Arthritis With All-natural Weight Loss

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Louisville,KY (PRWEB) June 20, 2013

Losing weight might not reverse the damage that has been done to a joint for these who endure from arthritis, but even moderate weight loss can have a dramatic impact on its discomfort relief. While losing adequate excess weight to be inside normal and wholesome weight ranges is best, beginning with affordable goals like losing ten or 20 pounds has been shown to aid relieve joint discomfort, as properly as help ordinarily healthier men and women keep away from the danger of developing arthritis. Studies have revealed that a weight loss of 11 pounds decreases that danger by 50%. Although joint replacement therapy is an option for some, obesity also has a adverse effect on this procedure, posing an increased danger of infection, blood clots and dislocation soon after hip replacement, as well as longer periods of anesthesia and extended recovery periods. In addition, the Arthritis Foundation reports that OA has a logical hyperlink to obesity: The a lot more weight thats on a joint, the a lot more stressed the joint becomes, and the a lot more probably it will put on down and be damaged

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Diet regime Doc gives naturally efficient hCG diet plan plans to aid patients avoid the pain, expense and potential risks linked with the development of painful and usually debilitating arthritis. Decades of analysis indicate that prescription hCG has a optimistic effect on fast weight loss when this hormone is used in mixture with diet program plans that are specific to a patient’s nutritional needs. At Diet plan Doc, each patient is evaluated to assure that dietary needs are met before any diet program is developed. This evaluation is considerate of each and every individuals health-related history, life style, activity level, and many other person variables that might be hindering weight loss. Diet program plans are then individually produced about the sufferers ambitions, great for those who want to drop that challenging final 10 pounds or those who are struggling with obesity and need to shed one hundred pounds or far more to restore overall health.

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By following the person diet plan strategy, along with the administration of regulated doses of prescription hCG, generally administered when every day, over 97% of Diet plan Doc customers are boasting results of 1 pound or far more per day of unwanted and unhealthy excess weight.

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The specially educated hCG weight loss specialists at Diet plan Doc stay committed to delivering absolutely everyone with the chance to lose weight naturally, and to keep away from conditions such as painful arthritis by medically supervising and monitoring each patient’s journey, assuring the safest and most efficient diet program expertise accessible. Medical doctors, nurses and coaches are a phone call or e-mail away, and are offered 6 days per week to lend unlimited support, guidance and encouragement ahead of, during, and even right after the excess weight has disappeared. Aftercare consultation is also obtainable to encourage long term weight maintenance.

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Authorities agree that losing as small as ten-20 pounds can make a considerable effect on ones joint wellness and may possibly outcome in avoiding painful, and frequently debilitating arthritis. Get in touch with Diet regime Doc these days to schedule a free and confidential consultation and to start the path to a healthier and much more active life-style by losing excess weight.

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Diet Doc Make contact with Info:

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San Diego, CA&#13

(800) 272-0482&#13

Weight-loss(at)Dietdoc(dot)info&#13

http://www.hcgtreatments.com/hcg-diet regime/

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Twitter: DietDoc10&#13

Facebook: DietDochcg

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Tiffany Hairston Awarded Fellowship from NBCC and Affiliates

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Greensboro, NC (PRWEB) June 19, 2013

The NBCC Foundation, an affiliate of the National Board for Certified Counselors (NBCC), recently chosen Tiffany R. Hairston of Toledo, Ohio, for the National Board for Certified Counselors Minority Fellowship Plan (NBCC MFP). As an NBCC MFP Fellow, Ms. Hairston will obtain funding and coaching to support her education and facilitate her service to underserved minority populations.

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The NBCC MFP is made possible by a grant awarded to NBCC by the Substance Abuse and Mental Wellness Services Administration (SAMHSA) in August 2012. The Foundation is contracted by NBCC to administer the NBCC MFP, as effectively as instruction and collaboration activities that will be open to all National Certified Counselors. The purpose of the plan is to strengthen the infrastructure that engages diverse people in counseling and increases the quantity of expert counselors providing powerful, culturally competent solutions to underserved populations.

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The NBCC MFP has distributed $ 20,000 education awards to Ms. Hairston and the 23 other doctoral-level counseling students chosen to acquire the fellowship award. Tiffany Hairston is a each a student and a graduate of the University of Toledo, exactly where she is pursuing a doctoral degree in counselor education and supervision. Ms. Hairston has worked as an executive secretary, accounting technician, lead counselor/case manager, director of mentoring and juvenile services, and graduate assistant. As an NBCC MFP Fellow, she plans to obtain advanced education on troubles connected to minorities, networking and sophisticated investigation opportunities. Soon after graduation, she plans to teach multicultural classes to additional educate masters- and doctoral-level students on concerns of diversity and affecting adjust in a community in order to invoke a spirit of urgency inside the counseling profession to focus attention on underserved minorities in want.

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The Foundation plans to open the next NBCC MFP application period in December 2013. To understand more about the NBCC MFP and its fellows, please check out http://www.nbccf.org/mfp.

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About the NBCC Foundation

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The NBCC Foundation is an affiliate of the National Board for Certified Counselors (NBCC), based in Greensboro, North Carolina. NBCC is the nations premier expert certification board devoted to credentialing counselors who meet requirements for the general and specialty practices of skilled counseling. Presently, there are more than 52,000 National Certified Counselors in the United States and a lot more than 50 nations.

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Free Monthly Webinars for Distressed Homeowners from Expert House Solutions

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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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Vista College To Honor 4 Outstanding Graduates From El Paso Campus

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El Paso, TX (PRWEB) June 18, 2013

4 El Paso residents will be honored with prestigious Vista College graduate awards at commencement ceremonies. The New Horizon Award will be offered to one particular student representing individual education fields for demonstrating leadership for the duration of his or her study and involvement in the neighborhood. The Vista Summit Award recognizes graduates who have gone on to be effective within their community and field of study. The Student of the Year Award is the top honor amongst the graduating class. The Vista College El Paso recipients are as follows:

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Jorge Soto – New Horizon Award for Vista Colleges Network Administration System – A single father, Soto, of Horizon City, juggled many obstacles, all even though maintaining higher grades and demonstrating the understanding that comes from careful study and operating closely with instructors and classmates.

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Paula Palacino New Horizon Award for Vista Colleges Medical Assisting Plan In April of 2011, Palacinos mother was diagnosed with terminal breast cancer and offered 30 days to reside. She lived for five months ahead of passing away. Seeing her mother fight this disease created Palacino comprehend what she had to do for her son. She enrolled in Vista College in the Medical Assisting system. Although at Vista, Palacino, of El Paso, became vice president of the campus chapter of the National Technical Honor Society and president of the evening students Healthcare Club. Her hardships and struggles along with her faith and family have produced her into who she is nowadays. Palacino is employed as a health-related assistant at Montwood Medical Center.

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Victor Alvarez – Student of the Year Alvarez, of El Paso, proved to be a really dedicated student not only to his research but also as a positive motivator to his peers. Prior to attending Vista College, he worked as assistant manager in the produce division of a regional grocery retailer for 15 years. When he became a casualty of company-wide layoffs he took a quantity of tiny jobs. One particular day, Alvarez created a list of goals for the future, and 1 of these goals was to go back to college and get an Associates Degree in Business with a concentrate on Human Sources. Although at Vista College, Alvarez showed natural leadership capabilities and an ability to motivate his fellow peers in a positive manner. He has also excelled at his location of employment, PLS Monetary, earning employee of the month honors. In less than six months, he was promoted to overnight supervisor and will quickly be promoted to assistant manager.

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Erik Frescas – Vista Summit Award Frescas, of El Paso, graduated with honors from Vista Colleges Network Administration program in 2010, and inside four months, he obtained his Comptia A+, Networking+, and Safety+ certifications. He became a assistance specialist at the William Beaumont Army Medical Center, contributing to the IT upgrade that allowed the hospital to transfer actual time EKG readings from an ambulance to the ER. From there, Frescas became an IT Specialist at Diverse Mobile Technologies, a local company specializing on resolving network troubles and installing and keeping small laptop infrastructures. In addition, he started his own little company, Southwest Computing, which supports little organizations all through El Paso.

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WHEN: Saturday, June 15, 2013, three p.m.

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Exactly where: El Paso Civic Center, 1 Civic Center Plaza, El Paso, Texas 79901

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About Vista College

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Vista College is a network of private, post-secondary career colleges supplying a assortment of coaching programs like: healthcare, company, and technology, legal and vocational/trades. Vista College provides online applications and has seven on-ground campuses in Texas (Amarillo, Beaumont, El Paso, Killeen, Longview and Lubbock) and Las Cruces, New Mexico. Vista College is accredited by the Council on Occupational Education (COE). Customer Details may be viewed at http://www.vistacollege.edu. For Vista Colleges El Paso Campus, call 877-502-1059.

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