Tag Archives: State

National Safety, Civil Rights Specialists to Put U.S. Drone Program on Trial at Penn State

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(PRWEB) June 25, 2013

Globe on Trial, an international human rights tv and net system made by Penn State Law, begins filming its second episode on June 26. The program will feature Judge James E. Baker of the United States Court of Appeals for the Armed Forces as the jurist presiding more than the legal, policy, and ethical concerns presented by the United States use of unmanned aerial cars to target suspected terrorists. Jameel Jaffer of the ACLU and former F-14 pilot and law of war scholar Michael Lewis will act as lead attorneys. The series presents each sides of sharply contested international human rights issues in the context of courtroom trials prior to live multinational juries.

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Our goal is to bring awareness to crucial human rights concerns and the international treaties that govern state conduct, mentioned Penn State Law faculty member Randall Robinson. An acclaimed human rights advocate and author, Professor Robinson is the creator and host of Globe on Trial.

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In the Courtroom

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Judge James E. Baker will preside over the mock trial. He sits as chief judge on the U.S. Court of Appeals for the Armed Forces, which exercises worldwide appellate jurisdiction over members of the armed forces on active duty and other men and women subject to the Uniform Code of Military Justice. He is the author of In the Common Defense: National Safety Law for Perilous Occasions (2007) and had a distinguished career in military and government service prior to being appointed to the bench in 2000. He frequently teaches courses in national security law and policy at Georgetown University Law Center and the University of Iowa College of Law.

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Jameel Jaffer, director of the ACLUs Center for Democracy, will lead the challenge to the drone program. Jaffer directed the ACLU’s National Security Project from 2007 to 2010 and has litigated several circumstances regarding national safety and human rights, like challenges to the CIA’s targeted killing program and the National Safety Agency’s warrantless wiretapping program. His book “Administration of Torture” (co-authored with Amrit Singh) was published by Columbia University Press in 2007.

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Michael Lewis, a former Navy Best Gun pilot and specialist on the conflict in between the U.S. and al Qaeda, will defend the United States. Soon after a military career that included flying F-14s for the U.S. Navy in Operation Desert Shield conducting strike arranging for Operation Desert Storm and deploying to the Persian Gulf to enforce the no-fly zone more than Iraq, Lewis has had a distinguished legal career. He has published a lot more than a dozen articles and essays on numerous aspects of the law of war and conflict in between the U.S. and al Qaeda.

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Legal Concerns Presented

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The episode will discover the legal, policy, and ethical questions presented by the United States use of unmanned aerial automobiles to target suspected terrorists in Afghanistan, Pakistan, Yemen and beyond. The system will examine international humanitarian law principles of distinction and proportionality and international human rights laws mandating due procedure and the protection of human life.

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Juries will deliberate and render verdicts from a number of countries. Episode 1 featured juries from University of Edinburgh (Scotland), Hebrew University (Israel), Sciences Po (France), Istanbul University (Turkey), Peking University of Transnational Law (China), University of Hong Kong (China) and University of Cape Town (South Africa).

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The “Use of Drones” episode will be presented on-line and nationwide to PBS stations. Episode 1, which focused on the 2004 French headscarf ban, is on the web at http://www.worldontrial.psu.edu.

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Planet on Trial is a production of Penn State Law, Penn State Public Broadcasting, Penn State School of International Affairs, and storyshop llc.

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Northwestern State University of Louisiana Partners with StraighterLine to Serve Functioning Adults and Students in the Military

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Baltimore, MD (PRWEB) June 19, 2013

StraighterLine (StraighterLine.com) announced these days that Northwestern State University of Louisiana (NSULA) (http://www.nsula.edu/) has joined their expanding network of companion colleges. Nationally recognized as both an adult friendly and leading military friendly university, NSULA is a welcome addition to StraighterLines partner college network, which now involves numerous of the major adult-focused institutions of larger finding out.

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StraighterLine and NSULA share similar missions. Northwestern State University of Louisianas Get in touch with plan is designed for the adult student to adapt to particular interests, backgrounds, time limitations, and ultimate profession ambitions. It is specifically appropriate for mature adults with a clear concentrate and desire to pursue a distinct course of study primarily based upon educational and work experiences. Both NSULA and StraighterLine encourage students pursuing credit for life and perform knowledge through Prior Studying Assessments and degree completion applications and support active duty military students.

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With each other, NSULA and StraighterLine provide functioning adults the chance to get a top quality education on-line, flexibly and conveniently, at a substantially reduce expense than most standard degree programs. Students can take freshman and introductory-level classes via StraighterLine and save thousands of dollars on the price of their college degree. With StraighterLines inexpensive subscription pricing plan, students can save up to 90% on their very first year of college and can move by way of the material as speedily or gradually as they like.

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By producing a low-price, low-threat choice for students to start college, NSULA reinforces its dedication to adult learners in Louisiana, says Burck Smith, CEO of StraighterLine.

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According to Dr. Darlene Williams, Vice President for Technologies, Study, and Financial Improvement at NSULA, Northwestern State is engaging in this partnership to establish an additional pathway by which students who want to full a degree can make that dream turn into a reality. And Dr. Lisa Abney, Provost and Vice President of Academic and Student Affairs at NSULA says, We are delighted to perform with StraighterLine on this new initiative which offers ACE credit to students who are pursuing a degree. We appear forward to operating with these StraighterLine students at Northwestern.

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About Northwestern State University of Louisiana&#13

Northwestern State University has an enrollment of far more than 9,400 students with campuses in Natchitoches, Shreveport, Leesville/Fort Polk, Alexandria and Marksville, La. Founded in 1884, Northwestern State is the oldest institution in the University of Louisiana Technique. Northwestern State has 78 active associate, bachelors, masters, specialist and certificate programs with the largest becoming nursing and enterprise administration. The university has 34 accredited on-line degree programs, the most of any college or university primarily based in Louisiana. Northwestern State has a 14-sport athletic plan which competes on the Division I level in all sports.

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About StraighterLine&#13

StraighterLine has been recognized as a revolutionizing force in education by major news organizations and the U.S. Chamber of Commerce for supplying students on-line courses that earn real college credit for just $ 99 a month. Inside Greater Ed recognized StraighterLine for supplying the …lowest-cost set of credit-bearing courses on the Net. And Rapidly Business named StraighterLine a single of the ten Most Revolutionary Businesses in Education.

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In order to facilitate the award of credit, StraighterLine has forged partnerships with major accredited on the web colleges and universities. A student eventually earns a degree from those institutions but realizes tremendous savings and convenience by starting with StraighterLine.

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StraighterLines courses are evaluated and recommended by the American Council on Educations College Credit Recommendation Service (ACE CREDIT), which consists of more than 1,800 participating colleges and universities. In addition to the institutions with which StraighterLine has a direct partnership, far more than 350 other schools are reported to have accepted StraighterLine coursework for transfer credit.

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At the moment, StraighterLine provides entry-level college courses on the web in the Sciences, Humanities, English, Math, Enterprise and Language. Many StraighterLine courses are now offered in both self-paced and professor-led formats, for students to take individually or as component of a cohort. Not too long ago, AHIMA authorized continuing education units for two StraighterLine science courses particularly for ICD10 certification applications. five StraighterLine courses have been authorized by The College Board to be listed as AP courses. As a pioneer in the movement to revolutionize college for America, StraighterLine also gives options to college courses which includes Prior Finding out Assessments and credit-by-examinations that let students earn college credit for expertise and life experiences they already possess.

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For information, visit StraighterLine.com or get in touch with 1-877-str8erline (1-877-787-8375).

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Joseph Pozzuolo and Jeff Pozzuolo, Estate Preparing Attys. Will Conduct a Penn State CLE/CPE: The Fundamentals Of Estate Tax Arranging After The 2012 American Taxpayer Relief Act

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(PRWEB) June 16, 2013

The Law Firm of Pozzuolo Rodden, P.C., Philadelphia Estate Preparing Attorneys, announces the upcoming Penn State seminar titled: “The Basics of Estate Tax Planning After The American Taxpayer Relief Act of 2012 on Thursday, June 20, 2013. If you would like to study a lot more of what the seminar will cover, please read the full description on the Pozzuolo Rodden, Computer net web site under Seminars: http://www.pozzuolo.com

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The Fundamentals of Estate Tax Organizing Right after The American Taxpayer Relief Act of 2012

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By: Joseph R. Pozzuolo, Esquire and Jeffrey S. Pozzuolo, Esquire &#13

Pozzuolo Rodden, P.C.

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Where: Penn State University Cooperative Extension&#13

Neshaminy Manor Center&#13

1282 Almshouse Rd&#13

Doylestown, PA 18901-2896

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When:

The Law Offices of Kramer Kaslow: Bank of America CEO Speaks At State Attorneys Basic Summit

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Calabasas, California (PRWEB) June 04, 2011

MSNBC recently reported that during the state attorneys common summit, Bank of America Corp. Chief Executive Officer Brian Moynihan said that property owners could have to appear elsewhere for extended-term investment returns. He opines further that some locations of the nation could not rebound at all.

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Its worth placing the remarks in context, observes Philip Kramer, senior companion at the law firm of Kramer &amp Kaslow, Bank of America is in problems. Regulators, Justice Department officials, and court instances are coming at them proper and left. Theyre crying poor.

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The MSNBC article reports that Moynihans argument is that low population growth in some regions of the country will lessen demand and consequently act as a downward pressure on home prices.

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“It’s sobering to consider, but some people should not be thinking of (their property) as an asset,” Moynihan stated at the 2011 National Association of Attorneys Basic conference. “They need to be considering of it as a great location to live.”

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Philip Kramer sees it differently. Kramer feels that property owners, faced with an at best uncertain future, have to do every thing in their energy to readjust their home values now. For greater or worse, for possibly the initial time in history, banks are speaking with homeowners about modifying loans and producing other adjustments. Kramer observes. Now is the time to get things to happen. Even if it has to be completed by means of the courts. Judges are listening to homeowners arguments about bank wrongdoing in a way they by no means would have a decade earlier.

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As Kramer sees it, element of the banks obligation is to reduced house values to their existing marketplace valuations, rather than the inflated amounts at which the loans were initially made. Appear, says Kramer. The banks are working with homeowners because theyre beneath duress. There is nothing noble or nicely-intended in the situation, but even so, even although they are becoming dragged into producing adjustments kicking and screaming, even with all of that, it is taking place. Also slow. Too tough. Too time-consuming. But for the initial time, with a lot of obstacles, home owners have a fighting opportunity to come out ahead. Theyre going to have to fight tough, but they just may win for when.

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http://www.msnbc.msn.com/id/42556230/ns/organization-true_estate/

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior partner of the Law Office of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes commercial litigation and trial advocacy, with a concentration on company litigation, and real home matters. He has prosecuted and defended instances for over twenty 5 years.

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

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Mr. Kramer is admitted to practice prior to all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has tried in excess of 200 instances. He has appeared on nationally televised programs regarding pre-trial process and trial approach and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer regularly lectures on a broad spectrum of a variety of legal and company troubles.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization dedicated to bringing professionalism and civility back into the legal profession. He also serves on several Boards of Directors and serves as an officer in a lot of businesses. For a lot more information call (818) 224-3900 or pay a visit to http://kramer-kaslow.

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National Guardianship Network Names State Courts for Guardianship Improvement Awards

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Washington, D.C. (PRWEB) June 11, 2013

The National Guardianship Network (NGN) is pleased to announce 4 awards of incentive grants and technical help to states to develop innovative, consensus-driven Working Interdisciplinary Networks of Guardianship Stakeholders (WINGS). By combining the efforts of all stakeholders into WINGS, states can much better enhance judicial processes, defend individual rights and meet requirements, address insufficient funding, and make sure guardian accountability and fiduciary requirements.

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The encounter of these initial WINGS groups will support NGN to develop a replication template for states interested in producing comparable networks to consider how adult guardianship is functioning in the state and what modifications could be made to increase the procedure, benefiting vulnerable adults affected as effectively as the state.

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Funding for the grants was generously provided by the State Justice Institute and the Albert and Elaine Borchard Foundation Center on Law and Aging.

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Following getting proposals from the highest court in a quantity of states, NGN chosen four applicants: &#13

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New York: The New York Court System, operating with the Vera Institute of Justice, will design and implement a broad-based New York WINGS group to assess demands and establish priority regions for action.&#13

Oregon: With leadership from the Oregon Judicial Department and the Oregon State Unit on Aging, Oregon WINGS will undertake a requirements assessment, develop quick- and extended-variety targets and objectives, and commence to initiate priority outreach, training, pilot applications and reform.&#13

Texas: The Texas Workplace of Court Administration will establish Texas WINGS and engage the group in strategic organizing to determine troubles, prioritize issues, and set targets, which will be presented to the Texas Judicial Council. &#13

Utah: The Utah WINGS will organize a statewide summit to discover, propose, and implement options to three endemic guardianship troubles. Primarily based on the encounter from this initial project, WINGS will draft a charge for ongoing operate as a standing committee of the Utah Judicial Council.

Two further states already have such consensus and problem-solving groups in spot. In Ohio, an interdisciplinary Subcommittee on Adult Guardianship has been established under the state Supreme Courts Advisory Committee on Kids, Families &amp the Courts. In Missouri, MO-WINGS grew out of a broadly inclusive job force convened by the Missouri Developmental Disabilities Council.

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The creation and sustainability of state WINGS groups was a important recommendation of the 2011 Third National Guardianship Summit convened by NGN at the S.J. Quinney College of Law of the University of Utah. For Summit Standards and Recommendations, as nicely as 10 background papers, see the Utah Law Review, Vol. 2012, No. 3.

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For further information on state WINGS, speak to NGN Chair Mary Joy Quinn [maryjoyquinn(at)gmail(dot)com], or ABA Commission on Law and Aging Assistant Director Erica Wood [Erica.wood(at)americanbar(dot)org].

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About NGN&#13

The National Guardianship Network, established in 2002, consists of 10 national organizations dedicated to effective adult guardianship law and practice, which includes AARP, the American Bar Association Commission on Law and Aging, the ABA Section of Genuine Home, Trust and Estate Law, the Alzheimers Association, the American College of Trust and Estate Counsel, the Center for Guardianship Certification, the National Academy of Elder Law Attorneys, the National Center for State Courts, the National College of Probate Judges, and the National Guardianship Association.

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Non Profit Charity Approved by the Division of Banking to Offer you Debt Management Plans in the State of Iowa

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Lighthouse Point, FL (PRWEB) April 13, 2012

Debt Management Credit Counseling Corp (dmcconline.org), a nonprofit charitable organization (DMCC), announced these days they have been authorized by the Division of Banking to conduct organization in the state of Iowa. This means that Iowa citizens are now able to speak to a DMCC certified credit counselor and talk about their eligibility for a debt management program in order to decrease their month-to-month payments for their unsecured debts. DMCC counselors will not only help these consumers with a debt management strategy but also teach the significance of preserving a spending budget in order to get out of debt and to sustain monetary stability.

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Debt management plans are only offered by creditors by way of accredited credit counseling agencies that are licensed or otherwise authorized to offer such services in the state in which consumer resides. These plans are presented to customers in cooperation with their creditors, who in most instances agree to reduce interest rates, eliminate past due and more than-limit charges, stop collection efforts, and report the accounts as existing to the major credit bureaus. “For over a decade, DMCC has been assisting buyers with the consolidation of their debt payments by means of our debt management plans” mentioned Stephen Lichtenberger, Manager of Operations. “These plans are a viable solution for customers who want help in repaying their credit cards as a outcome of an unforeseen hardship.”

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In addition to debt management plans, DMCC provides an array of educational components to aid buyers remain informed on the most current financial data such as a proprietary self-study financial literacy plan accessible for free of charge on their internet site. DMCC also provides free counseling to support customers get started with the organization of their finances. It is a U.S. Trustee approved agency to offer you bankruptcy counseling and education and as a HUD Approved Housing Counseling Agency DMCC offers foreclosure prevention and loan modification. Shoppers interested in a debt management plan or any other services supplied, need to get in touch with DMCC and speak with a counselor regarding their private economic predicament.

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About Debt Management Credit Counseling Corp.

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DMCC is a nonprofit 501(c)(three) public charity committed to educating shoppers on monetary issues and supplying personal help to consumers overextended with debt. Education is provided free of charge to customers by way of seminars, workshops, a proprietary monetary literacy program, and a vast array of on the web and printed supplies. Free of charge private counseling is offered to customers to determine the best choices for the repayment of their debt. Consumers interested in speaking with a DMCC certified credit counselor could call (866) 618-3328 or request help at dmcconline.org. DMCC is a HUD Authorized Housing Counseling Agency, is authorized by the U.S. Trustee to provide bankruptcy counseling and education, and has an A+ rating with the Better Enterprise Bureau.

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Home owners Customer Center Now Endorses the Law Offices of L E Ludt and Urges Home owners in any State Trying to Get a Loan Modification or a Mortgage Workout to Use Them

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(PRWEB) May 21, 2012

The Property owners Consumer Center has endorsed the law offices of M.E. Ludt simply because this law firm really delivers for homeowners, who are looking for a loan modification, a mortgage workout, a foreclosure defense, or pre-foreclosure related troubles. The group says, “Regrettably, all also frequently homeowners attempt to get a loan modification on their own on, and the typical outcome is failure, and a foreclosure. With so a lot of non attorneys, or mortgage brokers offering these varieties of solutions, we fear many desperate home owners spend for one thing they in no way get. The Law Offices of M.E. Ludt regularly achieves important outcomes for property owners looking for legal assist with their mortgage, with a foreclosure, a mortgage workout, or with mortgage loan modifications throughout the US.” The Home owners Customer Center says, “If a homeowner has verifiable earnings, if the homeowner qualifies for a single of the MHA revenue/expense hardships, if the homeowner has received a mortgage default notification, if the homeowner is facing a foreclosure, or if the homeowner desires to negotiate far better terms for their mortgage, there is a extremely very good opportunity the Law Offices of M.E. Ludt can assist them.” For much more information about the nationwide solutions getting supplied by the law firm of M E. Ludt please contact 1-888-364-8844. http://HomeownersConsumerCenter.Com

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The Homeowners Consumer Center has endorsed the Law Firm of M.E. Ludt for their legal capabilities for homeowners in all 50 states, who are require the following sorts of assistance: &#13

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

The Property owners Consumer Center says, “The attorneys of the Law Office of M. E. Ludt, LLC are a nationwide group of attorneys that offer extensive mortgage representation for property owners searching for a loan modification, foreclosure defense, or a mortgage exercise by way of the federal MHA or In-house applications. Their representation contains regional of counsel attorneys in ALL 50 STATES. The Law Office of M. E. Ludt, LLC and its nationwide network of attorneys will represent you in court, mediation hearings, and or for the duration of the complete mortgage renegotiation approach.” The Property owners Customer Center is urging property owners searching for a loan modification, foreclosure defense, or a mortgage exercise to make use of the unequaled talents of the Law Office of M. E. Ludt, LLC in all US states. For far more information please contact the Law Office of M. E. Ludt, LLC at 1 (888) 364-8844. http://MELudtLaw.us

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Homeowners Customer Center Now Urges Homeowners In Any US State To Use The Law Offices of M.E. Ludt If They Are Significant About A Loan Modification Or A Mortgage Workout

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(PRWEB) June 13, 2012

The Property owners Consumer Center has endorsed Law Office of M. E. Ludt simply because this law firm frequently produces important final results for homeowners searching for relief under one particular of the federal MHA loan modification, foreclosure defense, or mortgage workout applications in all 50 US states. The Home owners Customer Center says, “There genuinely are some wonderful mortgage relief applications that have been developed by the US Congress. Regrettably most US home owners looking for a loan modification, a mortgage exercise, or foreclosure defense most likely will fail if they attempt to qualify for one of these programs on their personal. It is for the cause we have endorsed the law firm of M.E. Ludt. This law firm has a network of law firms nationwide, and the staff at the M.E. Ludt law firm are up to speed on the greatest applications for a loan modification, a mortgage workout, a foreclosure defense, short sales, and they will be sincere with you. If they can help you-they will say so. If they can’t assist you-they will say so as well.” For a lot more details home owners wishing a loan modification, or dealing with a achievable foreclosure, mortgage default, or loan servicing troubles are urged to speak to the law firm M.E. Ludt at 1 (888) 364-8844. http://MELudtLaw.us

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The Home owners Customer Center has endorsed the Law Firm of M.E. Ludt for their legal capabilities for homeowners in all 50 states, who are want the following varieties of help: &#13

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

The Homeowners Consumer Center says, “The attorneys of the Law Workplace of M. E. Ludt, LLC are a nationwide group of attorneys that provide complete mortgage representation for homeowners in search of a loan modification, foreclosure defense, or a mortgage exercise by way of the federal MHA or In-property applications. Their representation consists of regional of counsel attorneys in ALL 50 STATES. The Law Workplace of M. E. Ludt, LLC and its nationwide network of attorneys will represent you in court, mediation hearings, and or for the duration of the whole mortgage renegotiation process.” The Property owners Customer Center is urging home owners looking for a loan modification, foreclosure defense, or a mortgage exercise to make use of the unequaled talents of the Law Workplace of M. E. Ludt, LLC in all US states. For more information please speak to the Law Office of M. E. Ludt, LLC at 1 (888) 364-8844. http://MELudtLaw.us

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State of Housing in Black America (SHIBA) Forum in Houston to provide Successful Options to Preserving Homeownership

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Houston, TX (PRWEB) November 13, 2012

The National Association of Genuine Estate Brokers, Inc. (NAREB), will host the Final of several analysis and policy sessions focused on The State of Housing in Black America (SHIBA). NAREB will be issuing their Public Policy update on housing in the African American neighborhood and will host a forum to present business lead Solutions on Friday, November 16, 2012, 1:303:30 p.m., on the historic campus of Texas Southern University (TSU) in the Auditorium of the Roderick E. Paige Education Building, (3100 Cleburne Street), in Houston.

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As opposed to the Concerns Forums previously held in New Orleans, Atlanta, Washington, DC and Cleveland, the Forum in Houston will concentrate on the findings and solutions that have been developed in consultation with market authorities, and nearby and national political and community leaders such as: Maurice Jourdain-Earl (Compliance Tech), Dr. LaVaughn (Federal Reserve, Dr. Benjamin Chavis (Co-Founder, HSAN), Rev. Dr. Otis Moss Jr. (Retired Pastor of the Olivet Institutional Baptist Church of Cleveland Ohio Congressman Elijah E. Cummings (MD-11th District) Congressional Delegate Eleanor Holmes Norton, (DC) and United States Senator Sherrod Brown (OH).

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At the Houston Solutions Forum, NAREB will present its 2012 Post-Recession Housing Recovery Policy Paper which will concentrate on many subjects that are at the moment impacting, and will continue to impact, minority communities across the country such as Foreclosure Mitigation, Neighborhood Blight, and Disaster Recovery.

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According to Housing Predictor (2012), ten million property owners will encounter foreclosure by way of 2012. And CoreLogic (2012) reports that there are 1.four million residences at the moment in the foreclosure inventory. A study by the Mortgage Bankers Association indicates that about three.25 million borrowers are delinquent on their loans and in danger of losing their houses. For mortgages produced among 2004 and 2008, around one quarter of all Latino and African-American borrowers lost their homes to foreclosure.

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The nation is faced with a continuing crisis and proposed options have therefore far met with limited accomplishment, says NAREB President, Julius Cartwright. For instance, much more than 1 million of the two.four million loan modifications completed from 2008 to 2011 have ended up back in delinquency or foreclosure.

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Hence, the Houston SHIBA Solutions Forum will highlight the Report of our Findings. The solutions will concentrate on preservation of homeownership, as well as the creation of sustainable homeownership for men and women and families trying to attain that dream. Not only has an amazing amount of wealth been lost as a result of the mortgage crisis, but it is not being rebuilt due to lack of access, says Cartwright. NAREB feels that this need to be discussed and addressed, and hence, the goal of this Forum and Report.

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There are a lot of things that have occurred in the African American neighborhood and other communities of color relating to the housing crisis that many individuals are not aware of, Cartwright continued. Thats why we are anxious to share all of our investigation and have a productive dialogue with the public, so that individuals will understand the ongoing impact in African American communities and in other ethnic minority communities, across the nation.

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The National Association of True Estate Brokers (NAREB) was formed in 1947 by African American actual estate pros out of a need to have to secure the right to equal housing opportunities, regardless of race, creed or colour. NAREB has a vast network of sector professionals which includes: Realtists, brokers, sales agents, appraisers, mortgage brokers, and loan officers, as effectively as practical authorities in pre- and post- counseling, loss mitigation, foreclosure, property management, housing building, and improvement. For more than 60 years, NAREB has participated in meaningful legal challenges and has supported legislative initiatives that ensure the availability of fair and inexpensive housing for all Americans. NAREB is the oldest minority true estate trade association in America.

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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