Law Firm’s Loan Modification Department Offers Assist to Struggling Home owners


Dana Point, CA (PRWEB) November 12, 2008

Homeowners across the U.S. are still feeling the crunch from the housing bubble that hit the country earlier this year. As sub-prime mortgages reverted to typical interest prices, a massive number of home owners have located themselves unable to make ends meet, and many have lost their homes to foreclosure. The quantity of foreclosures peaked in 2007, and according to professionals, the predicament is however to stabilize.

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The Loan Modification Division of the law offices of Christian Dillon, delivers a promising remedy to home owners at threat of losing their homes. Loan modification is a contract in between a lender and borrower to restructure a mortgage, designed to help struggling borrowers meet their financial obligations. The Loan Modification Division helps property owners negotiate greater rates with their lenders and stay away from drastic measures such as foreclosure.

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The group is led by Christian M. Dillon, an established lawyer who has handled more than 4,000 productive loan modifications. Dillon has been in the business for 20 years and has established contacts with all significant American lenders. The rest of the group consists of seasoned attorneys, mortgage and genuine estate specialists, and hardship analysts, all of whom ensure full representation for property owners in financial difficulty.

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The loan modification approach begins with a legal consultation. The Loan Modification team will overview the borrower’s financial situation and history, ask for supporting documents, and then will function out a customized negotiation plan. Also part of the program is to assessment the original loan documents for violations of the Genuine Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA), which can be utilised as leverage in the course of the appeal. The group then sends the application to the lender and starts negotiations.

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The Loan Modification Department requires pride in its aggressive yet measured method to the loan modification method. All consumers are completely informed of their possibilities, and are guided through the application from start off to finish. Unlike other folks, the law offices of Christian Dillon will preserve negotiating till lenders make a affordable supply. Dillon and his group have effectively negotiated interest prices to as low as 2.5%, and can quit foreclosures even soon after the homeowner has received their notice of sale.

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The real estate crisis has brought on a substantial rise in loan modifications, and subsequently in loan modification firms. But the Loan Modification Division of the law offices of Christian Dillon has a clear head begin and remains a single of the most ethical and trustworthy loan modification firms in the Southern California region. Interested home owners can reach them at 800.738.1170 or pay a visit to Loan Modification Attorney

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CreditLoan.com Now Provides Educational Materials To Consumers on Mortgage Loan Modification

Tampa, FL (PRWEB) November 26, 2008

With tens of thousands of home owners in difficulty with their lenders, numerous are trying to discover solutions that will keep them in their properties and leave them comparatively unscathed. Most do not know what choices they have, let alone how to collect enough data to make an educated choice.

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CreditLoan.com offers cost-free articles on subjects pertaining to mortgage loan modification, mortgage refinancing, residence equity loans, and other possibilities obtainable to home owners.

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“Although politicians and the media debate about the housing crisis and the existing economy, these items are affecting a lot of homeowners on a extremely actual, very individual level,” stated Daniel Wesley, CEO of Credit Loan. “Our website’s objective is to educate these people about their choices.”

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Struggling property owners have a selection of options for avoiding foreclosure and brief sales, such as mortgage loan modification and mortgage refinancing. However, it is critical for home owners to understand the differences so that they can make informed decisions about what method would be ideal for them.

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“Mortgage loan modification is not the very same thing as refinancing, but several homeowners don’t comprehend the rewards or even that it is offered to them,” Wesley said.

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Essentially, as an alternative of attempting to get a brand new loan at a decrease price with a new lender (refinancing), loan modification basically changes the interest price of a homeowner’s present loan, cutting monthly mortgage payments by as significantly as several hundred dollars. Because there is no new house loan, there are also no closing fees and no attempting to discover a lender who will supply mortgage refinancing at a affordable rate.

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The modest catch is that one’s lender has to agree to it. Due to the fact lenders normally only modify a small percentage of loans, mortgage loan modification may not be the answer to the mortgage crisis that several folks consider it is. Despite the fact that mortgage loan modification is clearly advantageous to the homeowner, lenders do lose cash when they modify a loan. Almost as considerably, some say, as when they foreclose on a home or approve a short sale.

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Information such as these are imperative for homeowners to understand if they are to make an informed decision about which approach they want to take, which is where Credit Loan comes in. “CreditLoan.com provides a wealth of info to help home owners keep ahead of the game, and hopefully stay in their residences,” Wesley stated.

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For much more info about Credit Loan or to browse articles on mortgage loan modification, mortgage refinancing, and house equity loans, please check out http://www.CreditLoan.com .

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About Credit Loan, LLC&#13

For more than ten years, Credit Loan has provided buyers with the info they require to make smart decisions relating to their credit and finances. With a wide variety of monetary subjects such as mortgage loans and home loans, home equity loans, private loans, and credit cards, the Credit Loan internet site offers thousands of articles written specifically for troubled home owners. To find out far more, please visit http://www.CreditLoan.com .

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Loan Modification: The New ‘Bail-Out’ From Foreclosure for Home owners


Laguna Hills, CA (PRWEB) December 16, 2008

In these times of economic crisis, a lot of are struggling to preserve up with their mortgage payments. Even even though foreclosures are at their all time highest levels, there is yet another way out. The Law Offices of Marc R. Tow is pleased to announce the development of The Loan Modification Division. The new department was formed as an answer to the overwhelming calls for support from home owners facing foreclosure or undergoing economic hardship.

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The Loan Modification Department at the Law Workplace of Marc R. Tow is the foreclosure alternative. The California-primarily based law firm re-structures terms of existing mortgages to make payments a lot more cost-effective. The firm employs a competent group of monetary and mortgage authorities, along with the lead lawyer Marc R. Tow, whom have helped thousands of property owners in crisis, steer clear of foreclosure.

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Homeowner’s across the nation are locating it hard to escape the disaster that as soon as was the mortgage euphoria. According to a report by the Mortgage Bankers Association in March 2008, “Far more than a single of each 20 property mortgages was delinquent for the duration of the final 3 months of 2007, the highest level in 23 years”. According to the professionals, far more than 3.six million mortgages have been past due or in foreclosure proceedings across the country during the final 3 months of last year. Loan modification will keep you from getting a single of these statistics.

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The law workplace group functions to assist clientele stay in their residences and keep away from foreclosure without having declaring bankruptcy. Mortgage modifications won’t take place overnight but obtaining help from competent loan modification lawyer who will work to negotiate the greatest possible terms is a good commence.

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The loan modification method begins with a consultation to make positive the modification is appropriate for our client. They appear closely at the homeowner’s position, documents and economic predicament to be specific that it is a case that will get a favorable modification. This is followed by an in-depth review and analysis of the financial documents. This info is utilised to structure the package that is sent to the lender to commence the negotiation procedure. This cycle will continue until an acceptable agreement has been authorized by the homeowner. As soon as the final loan modification has been accepted the homeowner can start the new payment schedule.

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The deteriorating economic and real estate industry are causing rise to numerous unreliable loan modification organizations. Before anybody secures a firm to operate on their behalf in regards to a loan modification there are many factors to think about. Only law firms are tied to a strict set of legal and ethical policies that other firms are not. Also a lot of organizations outsource the negotiation approach and because of this they do not have full manage of the homeowners’ circumstance. Feel secure that as a law firm, the loan modification group is held to a larger regular than most other firms and that they are in continuous communication with their consumers in the course of every step of the approach.

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The Loan Modification Division has all the encounter and expertise that is required to get the job done. The Law Offices of Marc R. Tow can be reached at 800-738-1170 Loan Modification Attorney

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New FDIC Plan Will Help Consumers of The Loan Modification Center

Washington, D.C. (PRWEB) January 12, 2009

Sheila Bair, who was named chairperson of the Federal Deposit Insurance Corporation (FDIC) in 2006, has reiterated her view that the very best approach to resolving the present housing crisis is to encourage lenders to renegotiate mortgages with home owners.

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Bair’s proposal calls for a loan modification plan so that payments are lowered to 31% of homeowners’ gross revenue (Sasseen &amp Francis, 2008). The federal government would guarantee to cover portion of the losses if the homeowners re-default in spite of this assistance. Bair claims that this strategy would save 1.5 million property owners and would cost the federal government around $ 24.four billion (Sasseen &amp Francis, 2008).

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The proposed method has faced a barrage of criticisms and doubts. Some have claimed that the renegotiation of millions of mortgage loans will take as well extended to have a practical effect (Wallison &amp Pinto, 2008). Others have pointed out that it will be difficult to renegotiate certain kinds of loans, specifically those that have been securitized, or sold to investors (Sasseen &amp Francis, 2008). Critics have also argued that earlier efforts to renegotiate mortgages have not been especially effective. Specifically, there is evidence that more than half of the mortgages renegotiated throughout 2008 are currently at least 30 days previous due (Sasseen &amp Francis, 2008). Treasury Secretary Hank Paulson argues that Bair’s plan is problematic because it increases government expenditures and it rewards banks when homeowners default (Sasseen &amp Francis, 2008).

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Alternative solutions have been proposed for the housing mess, but these as well have perceived flaws. For example, bailing out the major mortgage businesses may possibly basically encourage further risky practices in the future (Murphy, 2008). Treasury Secretary Paulson claims that the ideal approach is to minimize mortgage rates, in order to encourage much more residence purchases. However, this strategy has been criticized simply because it will not help borrowers who are already in difficulty (Sasseen &amp Francis, 2008). Martin Feldstein, a Harvard economist, has recommended that the federal government ought to make loans to troubled home owners to cover 20% of their mortgages (Feldstein, 2008). However, this raises the danger of borrowers, in turn, defaulting on their debts to the government (Murphy, 2008). There is, furthermore, widespread sentiment that assisting firms or borrowers who got themselves into difficulty is unfair to those who produced more reasonable financial choices.

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The housing crisis came about because trillions of dollars of mortgage loans had been created to borrowers who have been not actually able to repay the loans. Several of the loans had been primarily based on adjustable prices that tremendously increased the size of homeowner payments after a certain period of time (Murphy, 2008). The situation led to a expanding quantity of defaults and a substantial decline in housing values. The proposed options to the difficulty are primarily based on the question of whether it is better to help mortgage organizations or borrowers. There seems to be a partisan divide on this situation, since several Democrat politicians, such as Bair, are in favor of helping borrowers, whilst Republican leaders, like Paulson, are in favor of helping the large companies. In spite of this controversy, there is widespread agreement amongst policymakers that the most important step is to strengthen regulation of the housing industry and the mortgage business (Murphy, 2008).

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References&#13

Feldstein, M. (2008). How to help people whose residence values are underwater. Wall Street Journal (November 18), A21.

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Murphy, R. P. (2008). Can the Feds save the housing market? Freeman 58(5), 8.

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Sasseen, J., &amp Francis, T. (2008). A standoff over housing relief. Business Week (December 22), 30.

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Wallison, P. J., &amp Pinto, E. (2008). Let’s use Fannie to clean up the mess it produced. Wall Street Journal (October 25), A13.

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New Customer Loan Modification Guide Delivers Hope to Homeowners in Want

Beverly Hills, CA (PRWEB) January 30, 2009

House foreclosure in the U.S. has reached epidemic proportions, and 1 of the nation’s hardest hit communities, spanning three counties in Southern California, will be the very first to hear about a viable resolution. Founders of a new Web internet site, Consumerhopecenter.com, designed particularly for property owners facing loss, plan to go over their answer this Saturday from 10:00 am to 12:00 pm on their neighborhood 93.five FM’s “Beat of the Community” radio speak show.

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Consumer Hope Center (CHC) also announces their public invitation to participate in what they are calling, “The One particular Million Saved Houses Challenge.” Participants who join obtain free of charge information and resources with regards to foreclosure prevention, as well as about the clock access to an on the web support forum where property owners can post concerns regarding their scenario and obtain timely answers.

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The aim is to safeguard, strengthen and promote homeownership by giving American home owners the tools and help to quit foreclosure. By assisting, educating, and enhancing communication amongst property owners and lenders, Consumer Hope Center aims to avert 1 million anticipated foreclosures across the nation. Participation is totally free. For particulars, pay a visit to Consumerhopecenter.com.

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Founders of the site have developed a step-by-step consumer guide, “New Beginnings,”, to aid the homeowner take manage of their mortgage. And they are passionate about their operate. They have identified a increasing dilemma of residence loss in America, and think the answer is an inexpensive customer guide particularly for property owners facing foreclosure. And it is now obtainable to customers at a fraction of what they might otherwise spend other organizations to renegotiate their loans for them.

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Statistics show that one in ten property owners in the U.S. are now in default with their lender. Specialists predict that in the subsequent 12-18 months that quantity will double to much more than 20 million households, with several others on the verge. This is nearing epidemic proportions, say market specialists.

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With the worry of foreclosure and the threat of losing their houses, many property owners are feeling discouraged and hopeless. Thankfully, Consumerhopecenter.com has created an straightforward and inexpensive way to throw them a lifeline.

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New Beginnings is a safe, easy and inexpensive guide that explains the whole loan modification method in effortless-to-realize language. It walks the homeowner by means of what a loan modification is, who would require it, and how to successfully apply for a loan modification. It shows them how to comprehensive the forms and applications offered to them, create successful hardship letters to their lenders, and gather the documents essential by their lender. Owners will discover how to successfully negotiate with their lenders for new, reduce mortgage payments that will meet their private price range. Several property owners are wasting a lot of funds, time and energy attempting to modify their loans by hiring 3rd celebration organizations, say the guide’s authors. New Beginnings areas the homeowner in handle of the loan modification procedure, drastically growing their possibilities of a productive outcome with their lender.

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The management group at Consumerhopecenter.com and Loanhopecenter.com is made up of an elite group of folks possessing years of true estate, mortgage, legal and loan modification expertise. The Center believes this is the best resource for homeowners in require.

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“Plain and basic, Customer Hope Center was formed to support people support themselves, one loan modification at a time,” says Dani Shaker, principal and co-founder of the website. “We want to give every single American who is in problems with their residence payments, both assist and hope, and keep it genuinely affordable at the identical time.”

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About Customer Hope Center:&#13

In light of the current foreclosure crisis in this nation, a group of pros decided to kind Consumer Hope Center, Inc. in order to educate and guide the American homeowner toward saving their home.

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CHC is comprised of an elite group of professionals with over thirty years of combined genuine estate, banking, legal and lending knowledge, producing them the ideal resource for these in want of loan modification assistance. Versed in lending institutions’ internal operating system and loan modification process, they know what to appear for in order to approve an application. The group has gathered and compiled insider guidelines that will assist customers save thousands of dollars, and most importantly, their houses.

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For more info or to schedule an interview, please Make contact with:

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MortgageLoan.com Guides Homeowners By means of Loan Modification Programs

Bunnell, FL (PRWEB) February 11, 2009

Loan modification programs can be the only selection for several to save their properties. Unfortunately, acquiring a mortgage modified can be really confusing. These programs are frequently complicated and tedious–challenges in understanding loan modifications can waste precious time and lead to property owners to lose their properties.

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“Loan modifications can be scary and intimidating transactions, ” explains Bill Rice, MortgageLoan.com’s VP of Content material. “These are unusual mortgage transactions that are cumbersome, demand substantial documentation, and take place when the homeowner is most vulnerable.”

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MortgageLoan.com’s objective with the Guide to Loan Modification Programs is to arm the consumer with information and education–placing them in the best position to acquire a competitive loan modification and save their house.

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MortgageLoan.com has been offering customers with mortgage guidance, news, and rates given that 1995 and at no time has it been far more confusing. The aim of MortgageLoan.com’s series of Mortgage Basics Guides is to provide objective, informative, and actionable details on the most essential subjects for borrowers hunting to finance or maintain a mortgage.

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The most recent mortgage guide outlines the important elements of major mortgage loan modification programs:&#13

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Defining a loan modification&#13
The distinction in between loan modification and mortgage refinance&#13
Determining eligibility for a loan modification&#13
Explaining how and where to get a loan modification

MortgageLoan.com has answered these inquiries and more inside the Guide to Loan Modification Applications. Providing step-by-step directions on required documentation and who to get in touch with, your loan modification method will be as close to streamlined as attainable.

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“The Guide to Loan Modification Applications is a living resource for troubled home owners,” says Bill Rice, “pointing them in the correct path for modifying their mortgage and maximizing their chance to get that required loan modification.”

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As residence values continue to drop and property owners are faced with unemployment or underemployment in their residences, loan modifications will continue to improve. MortgageLoan.com continues to put homeowners in the most educated position to negotiate their very best mortgage, refinance, or loan modification in a difficult economy.

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About MortgageLoan.com&#13

MortgageLoan.com (mortgageloan.com) is the premier mortgage resource for buyers, providing present prices, news, and suggestions because 1995. MortgageLoan.com characteristics one of the most comprehensive mortgage broker and lender directories, covering all 50 states. In addition, MortgageLoan.com supplies consumers with economic calculators and glossaries, as well as day-to-day articles associated to private finance — covering topics like mortgages, credit cards, auto financing, investments, and a lot more.

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Loan Modification Sources for Home owners Offered by Lawyer Central

New York, NY (PRWEB) February 25, 2009

Lawyer Central is pleased to announce that it has lately released a Loan Modification Resource Center for home owners who are facing the prospect of foreclosure and are in require of assistance. The Loan Modification Resource Center offers a complete overview of the loan modification procedure, which can support families keep away from foreclosure and remain in their homes.

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A Loan Modification is a alter in one particular or far more of the terms of a home loan. This makes it possible for the loan to be reinstated, resulting in a reduce payment that the borrower can afford. Loans can be modified by lowering the interest rate, locking in a fixed interest rate, minimizing the principal balance owed, or extending the repayment period. If you are struggling to make your month-to-month mortgage payments, a loan modification attorney can negotiate with your lender and arrive at new terms for your property loan. These new terms can support cut your monthly mortgage payments so that you can stay in your property.

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Lawyer Central’s Loan Modification Resource Center provides detailed info about loan modification for homeowners. A definition of loan modification and key data including the needs, purposes, and kinds of loan modifications are featured. Frequently asked queries and a guide to loan modifications as a type of foreclosure prevention are also obtainable.

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If you are behind on your mortgage payments and facing foreclosure, visit http://bankruptcy.lawyercentral.com/Loan-Modification-Lawyers-Attorneys–1-107.html right now to find out more about how loan modification may possibly be the answer. Review Lawyer Central’s loan modification resources and fill out the form on the appropriate side of the web page for a free, no obligation consultation from a loan modification lawyer. Never wait until you shed your residence to foreclosure. Talk to a loan modification lawyer nowadays to see if this is the correct option for you.

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About Lawyer Central:&#13

The Lawyer Central Network is an exclusive nationwide network of attorneys extremely dedicated to their special regions of practice, such as loan and foreclosure law. Lawyer Central is emerging as the top public relations and mixed media advertising organization for rapidly-expanding law firms and forward-thinking attorneys. Lawyer Central membership involves a assortment of media exposure ranging from practice region video filming, by way of interviews and comprehensive public relations and web relations management.

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New Mortgage Loan Modification Site Launches to Assist Property owners Avoid Foreclosure

Delray Beach, Florida (PRWEB) March 13, 2009

In response to the massive onslaught of property foreclosures that have been spreading like a virus by means of every single city and suburb of this wonderful country, President Obama has signed into law the Homeowner Stability and Affordability Program, which is far more than most likely going to be an effective stopgap answer until we can get our economy back on the proper track.

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Mortgage loan modification, a key element of this strategy, is at this junction in time a really confusing topic to most struggling Americans. Certain, there are a lot of info tidbits strewn all over the internet, but as of yet there are no actual one-stop sources of worthwhile information on this subject. This is where Very first Capital Loan Mod claims that they can provide better assistance than what is currently obtainable in the marketplace.

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“We know that it’s really critical to get the correct info out to those who want it. This is a very timely matter, as mortgage loan modifications probably won’t be around forever. What struggling Americans really want appropriate now is a supply of reputable, secure and skilled details — not some ill-intentioned sales copy that only rewards the website’s firm!” a Initial Capital representative clearly explained.

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Via their website, FirstCapitalLoanMod.com, 1st Capital provides customers an straightforward step-by-step mortgage modification program. Their loan mitigation specialists offer an specialist information of all Federal and Customer Homeowner Laws to support any individual who really wants it by way of this current housing market crisis. Their belief is that every single single 1 of this nation’s 300 million citizens need to be allowed to have the correct to decide on whether or not to personal a property with no possessing to worry about what’s going to take place to them after they sign all the paperwork.

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Benefit Loan Modification Provides Aid to Struggling Property owners Steer clear of Foreclosure

Phoenix, AZ (PRWEB) March 25, 2009

Homeowners across the U.S. are nevertheless feeling the crunch from the housing bubble that hit the country earlier this year. As sub-prime mortgages reverted to typical interest prices, a huge quantity of home owners have identified themselves unable to make ends meet, and several have lost their residences to foreclosure. The quantity of foreclosures peaked in 2007, and according to authorities, the circumstance is but to stabilize.

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Advantage Loan Modification provides a promising remedy to homeowners at threat of losing their properties. Loan modification is a contract in between a lender and borrower to restructure a mortgage, designed to help struggling borrowers meet their monetary obligations. Benefit Loan Modification aids homeowners negotiate much better prices with their lenders and steer clear of drastic measures such as foreclosure.

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The staff is led by Ron Anderson, an established specialist who has handled a quantity of productive loan modifications. Mr’. Anderson has been in the business for the last five years and has established contacts with all key American lenders. The rest of the team consists of skilled attorneys, mortgage and actual estate experts, and hardship analysts, all of whom make sure full representation for homeowners in financial problems.

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The loan modification approach begins with a consultation. The employees of Benefit Loan Modification will assessment the borrower’s monetary circumstance and history, ask for supporting documents, and then will operate out a customized negotiation program. Also component of the plan is to assessment the original loan documents for violations of the Genuine Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA), which can be utilised as leverage for the duration of the appeal. The team then sends the application to the lender and begins negotiations.

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Advantage Loan Modification requires pride in its aggressive yet measured strategy to the loan modification process. All clientele are totally informed of their possibilities, and are guided via the application from begin to finish. Unlike other folks, Benefit Loan Modification will maintain negotiating till lenders can make a affordable offer. Advantage Loan Modification has successfully negotiated interest prices to as low as two.five%, and can stop foreclosures even after the homeowner has receive their notice of sale.

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The actual estate crisis has caused a substantial rise in loan modifications, and subsequently in loan modification firms. Benefit Loan Modification has a clear head commence and remains 1 of the most ethical and reputable loan Modification Company in Arizona. Interested homeowners can contact the mortgage specialists at 1-888-892-7604 or go to them online at http://www.AdvantageLoanModification.com

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Arizona Loan Modification Lawyer Advises Homeowners to Pursue Loan Modification Sooner Rather Than Later

Phoenix, AZ (PRWEB) March 26, 2009

A lot of Arizona home owners are thinking about loan modification as a way to keep away from losing their residences. A loan modification is an agreement negotiated in between a lender and borrower in order to alter the terms of their mortgage loan. Arizona Loan Modification Lawyer Kevin Harper encourages homeowners to look into a loan modification plan as quickly they learn that sustaining their present mortgage is a hardship.

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Due to the fact of excessive amounts of adjustable rate and subprime loans issued in recent years, and the general downturn in the economy, foreclosures have become widespread and Arizona is a single of the hardest hit states. Depending upon the predicament and the homeowners objectives, loan modification, bankruptcy, quick sale or deed in lieu of foreclosure are some methods to keep away from foreclosure. Mr. Harper stresses that as all circumstances are different it is ideal to go over person circumstances with an skilled lawyer to establish what the ideal course to follow is. &#13

A loan modification can involve alterations produced to terms such as payments, prices and/or delinquency costs. The lenders have an incentive to keep away from foreclosure and to negotiate future payments that will let owners to keep in their residences. “Normally speaking, loan modification is a great option for home owners who want to maintain their houses and who have a steady revenue. When the loan modification agreement has been produced, it is up to the homeowner to make payments on the new mortgage as they are due,” states Mr. Harper.

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As with most legal matters involving actual estate agreements and big loans, there are risks involved with a loan modification. Mr. Harper states that “anybody considering a loan modification wants to guarantee that they spending budget correctly and totally comprehend the terms of the new mortgage agreement so they do not face the exact same dilemmas that they had in the past.” An attorney can support you asses these dangers and can protect your interests. An Arizona Lawyer will also help homeowners establish what tax implications they can anticipate and what effect the loan modification will have on their credit. The sooner a homeowner consults with an lawyer the much more opportunity there is for a successful loan modification, possibly even reaching an agreement just before foreclosure papers are served.

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About Harper Law PLC – Harper Law is an Arizona law firm assisting individuals and firms from all through Arizona resolve disputes since 2004. The Firms practice focuses on real estate, enterprise, and employment litigation with encounter handling a wide variety of civil litigation matters. Folks interested in acquiring far more data or scheduling a loan modification consultation with Harper Law must contact 602-256-6400 or visit the Firm’s web sites at HarperLawArizona.com and ArizonaLoanModificationLaw.com.

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