Tag Archives: Legal

Specialists at LA Legal Inc., a Loan Mortgage Modification Firm, are Brightening up the Holiday Season by Rescuing Homeowners from Foreclosure

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LOS ANGELES, CA (PRWEB) December 05, 2012

LA Legal, Inc.’s team of experts specializing in mortgage loans are helping home owners be concerned a tiny significantly less this vacation season by offering loan modification options to avert foreclosure. The Century City-based loan mortgage modification company is making use of its sources to reach homeowners in every single state all through the country who are searching for viable and affordable solutions to support them retain their houses.

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Numerous homeowners have the capability to ward off foreclosure since they may be presently eligible for mortgage loan modifications, but are not aware of this choice, according to LA Legal. Some homeowners do not realize the higher interest prices they have been paying on house loans could be lowered. LA Legal consults with these who think there are no options obtainable to them and performs with lenders on the home owners behalf to negotiate rates to accomplish Interest Rate and/or Principle Reduction. LA Legal communicates directly as an approved third-party Authorized Advocate Modification business with major lenders such as Bank of America, Chase and Wells Fargo, as properly as little lending mortgage organizations. LA Legal submits documents straight to executive officers and negotiates with lenders for the benefit of its clientele, investors and house owners to assist them obtain relief from current financial hardship.

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“It is imperative for homeowners to recognize that foreclosure need to be their quite final choice. There are choices and alternatives to foreclosure that home owners can take benefit of nowadays to alleviate this pressure during the vacation season,” said [Farshad Sinai, J.D., CEO and Founder of LA Legal. Beneath the Property Inexpensive Modification Program, we are in a position to drastically reduce the month-to-month mortgage payments for these who qualify by lowering the interest rate and or the principle. We also specialize in short sales, which are a sensible resolution for some homeowners who demand it,” he added.

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According to LA Legal, since the $ 75 million dollar initiative, Homeowner Affordability and Sustainability Strategy (HASP) was introduced by President Obama, home owners have been given far more flexibility when seeking assistance with their mortgage loans.

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LA Legal is a extremely flexible loan mortgage modification business that gives solutions to home owners in a lot of states, not just California. It also supplies totally free consultation and loan modification to home owners, in no way charging up-front costs for the loan modification. For the convenience of clients, LA Legal’s staff is also fluent in English, Spanish and Farsi.

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LA Legal has also extended itself to the Los Angeles community by reaching out with seminars hosted by its in-property attorneys and knowledgeable, knowledgeable employees members, which are also free-of-charge to property owners who would like to attend. Far more data about its upcoming seminars is offered on LA Legal’s internet site at http://www.LaLegal.ca or by calling 310-LA-LEGAL (310-525-3425).

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For extra info relating to Loan Modifications, REO Management and Brief Sales, check out LA Legal at http://LaLegal.ca.

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For Media Inquiries or Interview, please make contact with:

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Yvette Morales&#13

YM &amp Associates&#13

PR | Advertising and marketing | Branding&#13

California | New York&#13

949.244.9769 | 310.499.0906 Fax&#13

YMoralesY(at)YM-PR(dot)com&#13

YM-PR.com

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NOTICE: LA LEGAL, Inc. does not operate as an Attorney’s office or a Law Firm. LA LEGAL, Inc. is a Loan Modification business. LA LEGAL, Inc. does not assure postponement of any foreclosure sale date. There are by no means any up-front costs related with Loan Modification services. Any added fees that are not associated to Loan Modification may possibly apply. &#13

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Advantage Legal Group Providing three Foreclosure Defense, Mortgage Mediation Seminars in January for Property owners in Washington State Facing Foreclosure

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Bellevue, WA. (PRWEB) December 19, 2012

Benefit Legal Group is Supplying three Foreclosure Defense Seminars in January 2013 to teach Washington State home owners facing foreclosure about the choices offered which includes mortgage mediation under the Washington State Foreclosure Fairness Act, mortgage modification, real estate brief sales and bankruptcy.

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The Washington Foreclosure Fairness Act (FFA) offers Washington State property owners facing foreclosure a little known proper to force their bank to the mediation table. Washington State was the third state to implement such a foreclosure mediation system right after Nevada and Maryland. Although the law has been in effect since July 22, 2012, it is estimated that much less that ten% of those eligible have availed themselves of the system to date. &#13

The so referred to as Foreclosure Fairness Act, offers distressed home owners operating with an lawyer or housing counselor, the right to an in-particular person mediation procedure to steer clear of foreclosure of their primary residence. Home owners can’t request mediation themselves and have to request it by way of an attorney or housing counselor. Numerous smaller sized banks and credit unions are exempt if they had much less than 250 foreclosures in the state in the previous year.

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Washington State attorney, Jonathan Smith, with the law firm of Advantage Legal Group says this can be extremely effective indicates for most homeowners facing foreclosure to mediate a modification of their loan and avoid foreclosure. For those eligible, the Foreclosure Fairness Act (FFA) provides framework via which mortgages can be re-negotiated.

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The method is overseen by the Washington State Department of Commerce. Once mediation is requested by an lawyer or housing counselor, the Department of Commerce assigns a mediator. The law then requires the parties to exchange monetary data and demands the banks to provide proof of ownership of the loan as effectively as an accounting of all charges and charges. If the homeowner was previously declined for a modification, they are necessary to state why and supply any appraisals or other details relied upon. The Act also requires the bank to appear at the face to face mediation with their attorneys and a individual from the bank present with the authority to sign off on a loan modification on the spot.

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Jonathan Smith, whose firm serves most of Western Washington, notes that a excellent quantity of his clientele are acquiring modified loans by way of this procedure and numerous have seen dramatic reductions in their month-to-month loan payments. Smith says Of course it dependent on the customers circumstance, but we are typically in a position to bring a clients loan, that is months or even years behind, existing and lengthen their loan period out to 40 years in a fully amortized loan. Mr. Smith routinely attains these outcomes for his clientele. It is not unusual for my customers loans to be recast at rates as low as 2% interest price says Jonathan Smith.

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Carmen Arruda, Regional Account Manager, with Fidelity National Title, says I am seeing excellent results from this program and hope that much more property owners will avail themselves of this mortgage mediation plan. It is heartbreaking to see so several individuals foreclosed upon every single month who do not even know about this fabulous program offered to Washington State property owners. I do not recognize why the state or the media dont market the Foreclosure Fairness Act or mortgage mediation far more.

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As a bankruptcy lawyer in Bellevue, Seattle and Western Washington, Jonathan Smiths law firm also utilizes federal bankruptcy law to eliminate unsecured debt, and if the value of the home is much less than what is owed on the very first mortgage, to strip off second or third mortgages and discharge them in bankruptcy. The mediation method can also be employed to negotiate brief sales as properly. Says attorney Jonathan Smith. Our firm has negotiated hundreds of quick sales, says Mr. Smith and we frequently combine these approaches, renegotiate the very first mortgage via mortgage mediation and strip off second mortgages all together via a chapter 13 reorganization bankruptcy to attain fantastic results for our consumers.

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Benefit Legal Group is a debt relief agency providing foreclosure defense services in Washington State which includes mortgage mediation, mortgage modification, brief sales and bankruptcy.

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Benefit Legal Group provides free of charge foreclosure defense seminars in Western Washington. The following is the schedule of upcoming foreclosure defense seminars for January 2013. &#13

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Advantage Legal Group Opens Second Workplace in Seattle

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Seattle, WA (PRWEB) January 09, 2013

Seattle Bankruptcy Attorney Jonathan Smith opens Seattle office for Advantage Legal Group.

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Now with two Seattle location offices in Seattle and Bellevue.

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Benefit Legal Group provides bankruptcy and foreclosure defense services like Chapter 7 bankruptcy, Chapter 13 bankruptcy, mortgage mediation, mortgage modification and true estate brief sales.

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Seattle homeowners facing foreclosure on a Seattle property can find out about the legal possibilities available at one of three Seattle region foreclosure defense seminars in January.

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Bellevue: Saturday Jan. 12th from 10:00 AM to Noon – Coast Bellevue Hotel – 625 116th Ave NE, Bellevue, WA. 98004

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Lynnwood: Monday Jan. 14th from 7:00 PM to 9:00 PM – Lynnwood Convention Center 3711 196th St. SW Lynnwood, WA. 98036

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Tacoma: Wednesday Jan 16th from 7:00 PM to 9:00 PM – Greater Tacoma Convention and Trade Center – 1500 Broadway, Tacoma, WA. 98402

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Space is limited so confirm a spot by submitting the registration kind on the Benefit Legal Group Site.

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The foreclosure defense seminars teach attendees about choices such as mortgage mediation, mortgage modification, bankruptcy, quick sales and the Washington Foreclosure Fairness Act. Seattle region residents thinking about bankruptcy or facing foreclosure are encouraged to attend and learn about the alternatives available.

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The new Seattle workplace for Advantage Legal Group is situated at:&#13

701 5th Ave, 42nd Floor, Seattle, WA 98104

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Advantage Legal Group also provides free of charge consultations for Seattle bankruptcy and Seattle foreclosure defense.

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Jonathan Smith, whose firm serves most of Western Washington, notes that a wonderful quantity of consumers facing foreclosure in the Seattle region are obtaining modified loans via the mortgage mediation method and a lot of have observed dramatic reductions in their month-to-month loan payments. Smith says Of course it dependent on the consumers scenario, but we are typically capable to bring a consumers loan, that is months or even years behind, present and lengthen their loan period out to 40 years in a fully amortized loan. Mr. Smith often attains these results for his clients. It is not uncommon for my customers loans to be recast at prices as low as two% interest rate, says Jonathan Smith.

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Connected Loan Modification Services Press Releases

Seattle Foreclosure Defense Attorney Jonathan Smith of Benefit Legal Group in Seattle Announces Foreclosure Defense Seminar Dates for March 2013

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Seattle, WA. (PRWEB) March 01, 2013

Advantage Legal Group is offering three Seattle region Foreclosure Defense Seminars in March 2013. The Seattle Foreclosure Defense Seminars will cover foreclosure defense techniques, mortgage mediation, deed in lieu of foreclosure, mortgage modification, real estate brief sales and the Washington State Foreclosure Fairness Act.

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Seattle home owners facing foreclosure can attend one particular of three Seattle location informational seminars to find out about the choices accessible in Washington State.

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Seattle Area Foreclosure Defense Seminar Schedule for March 2013:

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Bellevue: Saturday March 23rd from 10:00 AM to Noon – Coast Bellevue Hotel – &#13

625 116th Ave NE, Bellevue,WA. 98004

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Lynnwood: Monday March 18th from 7:00 PM to 9:00 PM – Lynnwood Convention Center 3711 196th St. SW Lynnwood, WA. 98036

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Tacoma: Thursday March 21st from 7:00 PM to 9:00 PM – Higher Tacoma Convention and Trade Center – 1500 Broadway, Tacoma, WA. 98402

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Individuals facing foreclosure in Seattle or considering about filing for bankruptcy are encouraged to attend this seminar to find out about all the possibilities in Washington State just before creating a choice.

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Space is limited so attendees are encouraged to pre-register at the Benefit Legal Group site.

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Jonathan Smith, whose firm serves most of Western Washington, notes that a fantastic quantity of his consumers are getting modified loans by way of the mortgage mediation procedure beneath the Washington Foreclosure Fairness Act. (FFA) which offers the homeowner facing foreclosure the right to force their bank to the mediation table. Washington State was the third state to implement such a foreclosure mediation program soon after Nevada and Maryland. Although the law has been in impact because July 22, 2012, it is estimated that less that 10% of these eligible have availed themselves of the plan to date.

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The so named Foreclosure Fairness Act, gives distressed home owners working with an attorney or housing counselor, the proper to an in-person mediation procedure to stay away from foreclosure of their main residence. Property owners can’t request mediation themselves and should request it through an lawyer or housing counselor. Numerous smaller banks and credit unions are exempt if they had less than 250 foreclosures in the state in the previous year.

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Many distressed home owners have seen dramatic reductions in their monthly loan payments. Smith says Of course it is dependent on the clientele scenario, but we are often able to bring a customers loan, that is months or even years behind, existing and lengthen their loan period out to 40 years in a fully amortized loan. Mr. Smith frequently attains these final results for his clients. It is not unusual for my clientele loans to be recast at prices as low as two% interest price says Seattle Attorney Jonathan Smith.

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Benefit Legal Group is a debt relief agency specializing in foreclosure defense and bankruptcy solutions below the bankruptcy code. Advantage Legal Group has 2 Seattle location offices in Seattle and Bellevue, Washington.

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More Loan Modification Services Press Releases

Why Struggling Property owners Should or Must Not Cease Paying Their Mortgage: A legal point of view from Laura I. Shidlovitsky, Lawyer at Law

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Los Angeles, CA (PRWEB) August 25, 2010

On average, it requires over a single year for a homeowner to be evicted from their property when they quit paying their mortgage, according to a current report by the New York Instances. With close to 25% of home owners owing more than their houses are worth, strategically defaulting might seem like a wonderful way to live rent-free of charge for a year. But, what are the legal ramifications of performing so?

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Defaulting is stressful, but defaulting is not a stroll in the park either. In addition to your credit score taking a nosedive, youll acquire a slew of calls, visits, and correspondence by collection agencies, and in some circumstances, you might even be shunned by your neighbors for getting accountable for a drop in neighborhood housing prices. Shidlovitsky. In particular states, like California, a quick sale on your house may possibly result in taxable state earnings, not to mention possible personal liability charges from the foreclosure proceedings. In other words, you may shed more than just your residence.

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A lot of discussion in the news on strategically defaulting has revolved around the morality of undertaking so. When asked whether or not strategically defaulting was morally acceptable, Attorney Shidlovitsky stated it depends. Whilst, I am by no means, an professional on moral authority, I do believe that strategic defaults are wrong beneath some circumstances. For instance, borrowers who stop paying their mortgage and use those funds for personal products, like pricey dinners or trips to Disneyland, are doing a disservice to the rest of the society. It is not entirely ethical to have your neighbors or the remaining tax payers carry the burden of ones irresponsibility”. If you are a borrower who did not overextend your self in obtaining the mortgage in the first location, and are presently in monetary distress due to anything out of your handle, like unexpectedly losing a job or becoming diagnosed with a critical health-related situation, and need the funds for those costs, then defaulting is a morally acceptable selection.

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Moral or not, what can financially distressed borrowers do? Shidlovitsky, Is that home owners nevertheless have several choices apart from foreclosing and being proactive can actually pay off. As quickly as you experience hardship, get in touch with your lender to explore options, such as FHA refinancing. Attempt to sell your home. If that doesnt work, you can do what is referred to as deed in lieu of foreclosure where you turn your keys in to the lender and walk away. Whilst some of these options might nonetheless influence your credit score, it is not as undesirable as the decline caused by a forced sale. Shidlovitskys other suggestions? Watch out for modification scam artists who charge high fees and assure modification and/or a stay of foreclosure proceedings, and dont make any upfront payments, unless it is to an attorney, for loan modifications.

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Laura I. Shidlovitsky, Esq., owner and founder of the Law Offices of Laura I. Shidlovitsky, is a extremely creative and personable Lawyer at Law who tailors her legal counsel to meet the unique needs of her clientele in all elements of commercial and actual estate transactions and negotiations. She has extensive encounter representing men and women and publicly traded corporations in a assortment of industries, like metals distribution, industrial genuine estate, healthcare, pharmaceuticals, restaurant, media and entertainment, transportation, and consulting. Ms. Shidlovitsky is also an active member in several professional organizations, including the LACBA Business and Corporate and Real House Sections, the ABA Company and Litigation Sections, the National Association of Skilled Females, and the Century City Chamber of Commerce.

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To locate out a lot more about what to think about when facing a foreclosure or to interview Laura I. Shidlovitsky, Esq., please call (310) 684-3843.

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News for Homeowners; Reaching U Network is Now in 20 States Offering Affordable Legal Representation for Struggling Homeowners Not Able to Make Their Mortgage Payments

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Miami, FL (PRWEB) May 11, 2011

Anyone denied a loan modification or can’t get through to your lender, help is on the way.

Reaching U Network is a 501c3 non-profit organization that is linked to Freedom Legal Plans by a long time service contract that provides low cost legal representation to homeowners facing foreclosure. Unlike most pre-paid legal services, Freedom Legal Plans specializes on providing members with immediate legal representation. Most homeowners facing foreclosure today need representation but can’t afford to hire an attorney. Reaching U Network helps struggling homeowners by offering different affordable payment options for those who qualify. In extreme cases, Reaching U Network, with the help of Freedom Legal Plans, will sometimes offer free representation with a network attorney.

Reaching U Network surveys homeowners about their legal options and also raises awareness thru television, marketing campaigns, and local workshops.

Members pay a $ 15.00 per month membership fee to access affordable legal representation provided by the Freedom Legal Network of attorneys. Members’ fee is tax deductible and is used to fund legal representation for homeowners with serious hardships such as unemployment.

Network attorneys with Freedom Legal Plans work under a set monthly fee and never an up front retainer fee. The monthly fee is far lower than what most attorneys charge for services provided. Homeowners will not sacrifice the quality of service because the network is monitored and managed by Freedom Legal Plans which makes customer service priority number one.

Reaching U Network has joined forces with Freedom Legal Plans to target the current epidemic of foreclosure by providing forensic and securitization audits to home owners looking to stay in their homes. These audits give a detail insight concerning fraud, TILA, HOPA, and securitization violations. With the assistance of the individual attorney representation these audits will help open legal communications between lenders and homeowners surpassing any loan modification process available today.

This overwhelming process is performed 100% under the umbrella of a local network attorney in the homeowners state. Each attorney has passed rigorous qualifications in order to join the network along with the knowledge on how to stop foreclosure.

5 reasons why homeowners should challenge their mortgage lender if facing foreclosure.

1. If the mortgage was opened between 1999 and 2009, the chances it contains fraud or predatory lending violations is 80%.

2. How to find out if the entity you are paying your mortgage to, has any right to collect?

3. Only 4% of loan modifications are approved.

4. Court ruling in Arizona and Massachusetts has wiped out many mortgage balances; these states are just a few of the many recently on the news.

5. Challenging a mortgage, in court with an attorney, can stop a foreclosure.

Anyone can make a donation and help. Funds will go toward helping struggling homeowners that can’t afford legal representation. Here is their site http://www.reachingunetwork.org

Here is the number to call if someone is facing foreclosure, has been denied a loan modification, or is falling behind on their mortgage payments, call 866-514-4636 or visit http://www.123savemyhome.com for help.

The worst thing to do is wait or do nothing, lenders have attorneys on their side, no one should face foreclosure alone.

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Find More Securitization Audit Press Releases

Advantage Legal Group Announces Seattle Area Foreclosure Defense Seminar Dates For May 2013

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(PRWEB) May 11, 2013

Advantage Legal Group is offering 3 free foreclosure defense seminars in the Seattle area in May 2013. The seminars focus on legal options for homewoners facing foreclosure in Western Washington and will be held in Bellevue, Tacoma and Lynnwood.

Homeowners facing foreclosure on a Seattle area home have legal options they may not be aware. Advantage Legal Group’s Seattle Foreclosure Defense Seminars focus on foreclosure defense strategies including mortgage mediation, deed in lieu of foreclosure, mortgage modification, real estate short sales, the Washington Foreclosure Fairness Act and bankruptcy options.

Attorney Jonathan Smith says, “Seattle area homeowners have legal rights when facing forecloure and the focus of the foreclosure defense seminars is to help homeowners understand all possible options available when facing foreclosure on a home in in the Seattle area including Bellevue, Tacoma, Everett and Western Washington.”

The Seattle foreclosure defense seminar dates for May 2013:

Lynnwood: Tuesday May 14th from 7:00 PM to 9:00 PM – Lynnwood Convention Center 3711 196th St. SW Lynnwood, WA. 98036

Tacoma: Thursday May 16th from 7:00 PM to 9:00 PM – Greater Tacoma Convention and Trade Center – 1500 Broadway, Tacoma, WA. 98402

Bellevue: Saturday May 18th from 10:00 AM to Noon – Coast Bellevue Hotel – 625 116th Ave NE, Bellevue,WA. 98004

Homeowners facing foreclosure in Seattle or considering filing for bankruptcy are encouraged to attend this seminar to learn about all the options in Washington State before making a decision. There is no cost to attend the Seattle foreclosure defense seminars.

Space is limited so attendees are encouraged to pre-register at the Advantage Legal Group website.

Jonathan Smith, whose firm serves most of Western Washington, notes that a great number of his clients are obtaining modified loans through the mortgage mediation process under the Washington Foreclosure Fairness Act. (FFA) which gives the homeowner facing foreclosure the right to force their bank to the mediation table. Washington State was the third state to implement such a foreclosure mediation program after Nevada and Maryland. While the law has been in effect since July 22, 2012, it is estimated that less that 10% of those eligible have availed themselves of the program to date.

The so called Foreclosure Fairness Act, gives distressed homeowners working with an attorney or housing counselor, the right to an in-person mediation process to avoid foreclosure of their primary residence. Homeowners cannot request mediation themselves and must request it through an attorney or housing counselor. Many smaller banks and credit unions are exempt if they had less than 250 foreclosures in the state in the previous year.

Many distressed homeowners have seen dramatic reductions in their monthly loan payments. Smith says Of course it is dependent on the clients situation, but we are often able to bring a clients loan, that is months or even years behind, current and lengthen their loan period out to 40 years in a fully amortized loan. Mr. Smith regularly attains these results for his clients. It is not unusual for my clients loans to be recast at rates as low as 2% interest rate says Seattle bankruptcy Attorney Jonathan Smith.

Advantage Legal Group is a debt relief agency specializing in foreclosure defense and bankruptcy services under the bankruptcy code. Advantage Legal Group has 2 Seattle area offices in Seattle and Bellevue, Washington







Legal Armor Donates $1 Million in Legal Fees to Help Homeowners Facing Foreclosure

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(PRWEB) April 29, 2013

In the response to widespread misconduct and mishandled loan modification scandals by lenders across the country, Legal Armor is launching a $ 1 Million donation campaign to help Americans facing foreclosure.

Homeowners facing foreclosure often do not have the money to hire an attorney for sound legal advice regarding their options even when there is gross misconduct on the part of their lenders in the loan modification and/or their foreclosure process. Homeowners are often forced to seek advice from their friends, mortgage brokers, real estate agents or even from the Internet.

Legal Access is no longer affordable to the common American, says Yvonne Engelbrecht, the VP of Operations of Legal Armor. We created Legal Armor to make it affordable for homeowners to get sound legal advice. Getting bad advice from uninformed but well intentioned people often lead homeowners to make poor decisions that could lead them to lose their homes, ruin their credit and owe money to the IRS. Homeowners should discuss their situation with an attorney that specializes in foreclosure defense who can give them the full spectrum of options that they may not otherwise be aware of.

Legal Armor was created to give homeowners facing foreclosure affordable access to a foreclosure defense attorney who can advise them on their options.

As part of its launch, Legal Armor is donating $ 1 million in legal services churches and any other non-profit organizations that currently help struggling homeowners. Churches and non-profit organizations have been the bastions of hope for many homeowners. We want to reach out to these organizations and offer assistance to them to help their members who are facing foreclosure.

Any church and non-profit organizations that are interested in obtaining more information about our program should visit http://www.legal-armor.com/resources.

About Legal Armor:

Legal Armor sells membership plans to homeowners facing foreclosure. Membership benefits include vital foreclosure defense services such as affordable access to a foreclosure defense attorney, securitization audits, credit counseling and more.

Legal Armor is a privately held company that was founded in response to the growing need for Americans facing foreclosure to have affordable access to an attorney that understands foreclosure defense. It was founded in 2012 and is based in Chicago, Illinois.

For more information about Legal Armor, come to: http://www.legal-armor.com