Tag Archives: Struggling

Bankruptcy Attorney Riverside Retained For $100 From Riverside Bankruptcy Attorneys Zhou and Chini For Neighborhood Residents Nevertheless Struggling From The Weak Job Marketplace

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Riverside, CA (PRWEB) August 17, 2012

The residents of Riverside and all Southern California know all about bankruptcy. Many have fought via the hard economic instances, but are nonetheless unable to get a hold on finances. Some appear to a Riverside bankruptcy attorney to help ease the tension and harassment from creditors. Riverside bankruptcy attorneys Zhou and Chini have currently been offering aid to some of the men and women in Riverside that have affected. A law firm representative said, We are promoting our $ 100 down stops creditor calls, by marketing the slogan with totally free consultations for bankruptcy in Riverside our purpose is to help those in need of financial relief.

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The quite initial step prior to anything is to see whether or not an person will be filing will be for a Chapter 7 or perhaps a Chapter 13 bankruptcy. Prior to filing a Chapter 7 bankruptcy in Riverside, the filer need to take a indicates test which takes revenue, costs, assets, and liabilities into account. As a rule of thumb, when the filers income is under that of the states median income, a Chapter 7 bankruptcy in Riverside will be permitted. For either a Chapter 7 or a Chapter 13 bankruptcy, filers can go straight to the court but it is extremely advisable to have an seasoned Riverside bankruptcy lawyer do the bankruptcy court filing. When a customer files a Chapter 7 Bankruptcy in Riverside, theres no minimum or maximum amount of debt one can remove. A Riverside bankruptcy attorney will be in a position to inform that person if you qualify to file for Chapter 7 bankruptcy by running a “signifies test”, as properly as informing if all of your debts are dischargeable. What kind of information will a bankruptcy attorney need to have prior to a person files for a Chapter 7 bankruptcy? The individual will want to get together different documents, which includes: A list of assets and liabilities (normally pulling a credit report assists) earnings and expenses as nicely as other pertinent documentation (W2’s and tax returns are necessary).

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Some Riverside property owners face foreclosure and might not qualify for the HARP Refinance plan. If thats the situation, there are strategies to stop a foreclosure a particular person can also cease foreclosure procedure by filing bankruptcy. By filing a Chapter 13 bankruptcy case an person can catch up on back payments residence and bills by means of the payment strategy worked out with the bankruptcy trustee. The person need to continue to make timely payments on the house during the bankruptcy case, or the lender petition the court to proceed with the foreclosure sale. The bankruptcy attorneys Zhou and Chini can help you filing for bankruptcy in Riverside.

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An Individual could also attempt to negotiate a loan modification with the lender. This may possibly permit them to preserve the property and make the payments on the debt far more manageable. Many applications have been designed to help homeowners stay in their properties due to the existing mortgage crisis. The U.S. Department of Housing and Urban Improvement supplies data on the governments applications to help homeowners negotiate a mortgage modification. A Riverside lawyer can support with negotiate with a lender to receive a loan modification. Fees associated with the negotiation approach could limit the benefits of the modification received.

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The use of a skilled bankruptcy attorney in Riverside to assist an individual in debt is getting employed far more and much more as men and women discover out the bankruptcy is not anything to be ashamed of. The bankruptcy law workplace of Zhou and Chini, have devoted numerous hours to offer totally free details on the firms web site and also through social media. The firm believes by delivering as much data achievable to the public, it will permit consumers to make intelligent selections on monetary choices, or regardless of whether or not they qualify for bankruptcy. For far more data pay a visit to http://www.bankruptcyattorneyinRiverside.com

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The Riverside bankruptcy attorneys utilizes Seo experts to assist in law firm marketing and advertising to promote the message about the importance of speaking with a bankruptcy lawyer in Riverside CA. if a person is thinking about filing. The firm continues its on the internet presence by supplying zero price bankruptcy information on bankruptcy firms weblog and social media pages. This data along with free consultations the firm hopes to attract more Riverside residents seeking for monetary relief. To study far more on the bankruptcy firms Facebook page visit http://www.facebook.com/BankruptcyAttorneyRiverside

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About the Firm: The Law Workplace of Zhou &amp Chini servicing the cities and counties of California. He is a graduate of UCLA and has been practicing law given that 1999. Mr. Zhou has a wealth of knowledge in bankruptcy, civil litigation, loved ones law, criminal law and unlawful detainers. Zhou and Chini Law Offices supply bankruptcy help to Orange County, Los Angeles, Riverside and San Diego residents. If you reside in San Diego or Orange County and think you may qualify for a reverse mortgage to assist handle debts speak with a single of our specialists.For far more info about the bankruptcy law firm please contact the toll totally free, 888-901-3440 or go to http://bankruptcyattorneyinriverside.com

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Certified Default Advocates Now in Boise! Since every single struggling Homeowner requirements an Advocate on their side!

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Boise, Idaho (PRWEB) November 26, 2012

For Quick Release

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Since of the unprecedented meltdown in the nations economy which has brought on rampant foreclosures, residence values have plummeted by as significantly as fifty % in some regions.

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According to Jennifer Sims, owner of ShortSaleByDesign.com there is nevertheless purpose for hope foreclosure need to in no way be an selection. The housing market has impacted every person, she said, and its about time that these who have been hurt the most receive a correct advocate in assisting them in a single of the most stressful instances in their lives.

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As certified default advocates, the practitioners at ShortSaleByDesign.com strive to give universal info to those in the ever altering real estate market who are struggling to find guidance and direction.

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Sims explained, We are right here to be a safe harbor for our clients in the midst of the current financial storm. Our primary aim is to bring the truth about the brief sale market and to educate Realtors, investors and servicers about everyones correct part inside a short sale transaction.

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ShortSaleByDesign.com provides a wealth of valuable details about quick sales. Presently the web site features a free e-book, Your Guide through the Brief Sale Approach. There is also in-depth data obtainable specifically for homeowners, investment house owners and true estate investors.

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In addition, sellers can list properties and possible purchasers can search via accessible properties on the web site.

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We aim to offer the highest high quality of info and services, mentioned Sims. Our clients deserve the ideal advocates. It is our privilege to serve in that capacity for them.

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For a lot more information about the short sale method or loan modifications, please pay a visit to ShortSaleByDesign.com.

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LoanSafeMods.coms New Video Review Shows How The REST Can Advantage Struggling Property owners

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San Diego, CA (PRWEB) March 29, 2013

LoanSafeMods.com has helped several struggling property owners to connect with the REST Report, a very helpful third celebration analytics tool that can support them to find solutions to their mortgage problems. One particular of the most significant benefits of employing this report is that it can support to speed up stalled modification applications.

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Several people uncover that when they try to apply for a mortgage modification, the process requires forever and can be very a hassle. Crystal, a homeowner who was struggling with her mortgage modification application, attests to this in a new REST assessment released by LoanSafeMods.com.

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In her assessment, Crystal explains how she had been struggling for many months to get her loan modification authorized. She stated that every single time that she would submit her request she would get a telephone call from her bank telling her that she needed to submit new documents or resubmit the complete application since it had been lost.

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This was very frustrating for Crystal, as she in no way knew when she would be forced to leave her home due to the impending foreclosure she was facing if she could not get the modification. At one point she woke up in the morning to discover a Notice of Sale taped to her front door.

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Soon she was getting calls from realtors telling her that her only option was to settle for a short sale. People have been coming by to photograph her house and it was a extremely scary time for Crystal.

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Lastly Crystal found the REST Report through LoanSafeMods.com. She ran the report and was shocked to see that she in fact had a lot of more choices than what the bank was telling her she had. Now she had the self-confidence to resubmit her request with the REST Report attached.

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Inside a very brief time the application was finally approved and Crystal was able to get the modification that she needed so that she could keep up with the payments on her home. Crystal says in her REST assessment:

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If you believe youre losing your property everythings going down the drain. You dont have a spot to reside, everythings uncertain, you dont know what tomorrows going to bring. But when I had the report in my hand I knew that every little thing would be okay.

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After the modification was approved, Crystals monthly payments went down from $ 1,700 to $ 728. She is quite happy that she discovered the REST Report and was capable to keep her property. She knows that acquiring the quick approval from her bank is not one thing that she could have done on her own, and she is really thankful for all the aid that the REST Report group gave her in her time of need.

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She ends her assessment by saying:

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If I can give property owners any advice it would be to take the suggestion and get the house income evaluation done. Theres no danger absolutely no risk. Get it done! See what it can do for you. It worked for me!

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For much more information on how the REST Report works and how it can support advantage property owners who are getting a challenging time creating their payments or are facing foreclosure, please pay a visit to LoanSafeMods.com.

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LoanSafeMods Assists Struggling Families Stay away from Foreclosure with the REST Report

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San Diego, CA (PRWEB) March 20, 2013

LoanSafeMods.com gives the REST Report (Actual Estate Solutions and Technology Report) to property owners who are in danger of losing their properties to foreclosure. This Report aids families and people to see just what options they have when it comes to foreclosure options and in numerous cases it can assist to speed the approach of applying for a mortgage modification.

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So far, thousands of home owners have benefited from using the REST Report. Several of these people struggled for months or even years attempting to apply for a modification on their own, and in some case the modification was even denied. However, the REST relies on up to date data from all proprietary and government loan dispositions and calculations, this means that property owners are presented with all the options and can determine on the ideal course of action to pursue.

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LoanSafeMods.com, a licensee of the REST Report, lately released a quantity of videos by folks who have had accomplishment with their loan modification process thanks to the REST Report. These REST reviews can be found on LoanSafeMods YouTube channel.

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1 overview tells the story of Ron, a father living with his children in San Diego, California. Ron, who functions as an Emergency Medical Technician, had to apply for a modification when he couldnt hold up with the month-to-month mortgage payments at the original rate.

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Regrettably, following having no accomplishment applying on his own, he paid up-front for services from two firms, each of which could not support him get his modification granted. After years of uncertainty and worry of losing his house, Ron lastly located the REST Report through LoanSafeMods.com. In just a few months, the modification was granted, which reduced his principal by more than $ 360,000 and reduced monthly payments to less than half of what the original payments had been.

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Ron says in his testimonial, To have somebody who went out of their way to do a good job and not obtaining to spend beforehand was a blessing.”

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Yet another particular person who had their payments drastically decreased by using the REST Report is Linda, a single mother living in Oceanside, California with her young daughter. She tells her achievement story in yet another REST assessment.

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Right after applying for a modification many occasions and not getting approved for some purpose or one more, Linda was fully confused as to what the dilemma was. She says, It was so perplexing to me since I had enough revenue, I had all the criteria and they kept telling me ‘You have to resubmit, it really is been 3 months. You have to send in a new application.’ I consider I applied at least three, perhaps 4, times!

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After almost two years of getting the runaround, Linda ultimately decided to run a REST Report so she could see what the issue was and could comprehend the numbers much better for herself. She says in her overview, I had a REST Report carried out and I looked at it and it was the first time that the method made any sense to me. It was really valuable!

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Linda was ultimately granted approval of her mortgage modification and had her monthly payments decreased from $ 3,000 to $ 2,100.

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These are just two of the households that had been capable to save their properties from foreclosure utilizing the REST Report. For more data on the positive aspects of this third party analytics tool, please pay a visit to LoanSafeMods.com.

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LoanSafeMods.com: REST Overview Videos Show How The Third Celebration Analytics Tool Can Aid Struggling Home owners

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San Diego, CA (PRWEB) April 07, 2013

The REST Report, a third party analytics tool identified on LoanSafeMods.com that is employed to locate foreclose options, has helped thousands of households to stay in their homes. The fast evaluation presented by the REST provides property owners a very clear image of what they qualify for when it comes to loan operate out applications such as the HAMP and other government and non-government programs.

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The REST evaluation is also a very useful tool when submitted with a mortgage modification request package, due to the fact it can help the application to carry a lot more weight with the lender. Simply because the evaluation is so thorough and correct and can even be used as evidence in a court of law, applications submitted with REST Reports showing qualifying results are much more likely to be approved in a timely manner.

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A lot of property owners have located that this analysis can even assist to get modifications approved when earlier modification applications had been stalled, delayed or even denied. The REST Report clearly shows why the mortgage predicament should qualify for a modification and why it would make much more sense for a lender to modify the loan rather than to foreclose the home.

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A quantity of REST Report testimonials, which can be identified on LoanSafeMods.com, show how property owners were able to turn their situations around thanks to the REST Report. These individuals had all tried to apply for modifications on their own, but ran into problems when their applications got delayed. After struggling for months, or in a couple of cases even a number of years, these home owners lastly identified that the REST Report was the best way to show their banks why they deserved the loan modifications they had been applying for.

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Ron, an EMT supervisor and single father living with his two youngsters in San Diego, was able to avail of a HAMP modification and had his principle reduced by a lot more than $ 350,000 and his monthly payments cut by about 50%. After struggling with the application on his personal for many years, his modification was lastly approved within a couple of months of discovering the REST Report.

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Crystal, also from San Diego, was already obtaining realtors come to look at her house following the bank issued a Notice of Sale. She lastly got her modification authorized when she found the REST Report and soon after six months of trying to deal with her bank without having any success, she is no longer in worry of losing her house. The new mortgage terms reduce her monthly payments from $ 1,700 to just $ 728.

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Linda, a single mother who lives with her young daughter in Oceanside, had her mortgage modification request delayed for far more than two years. Ultimately following locating the REST Report she can breathe less complicated as the modification that was lastly authorized reduce her month-to-month payments from $ three,000 to about $ 2,one hundred.

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Mona and her husband, who own a house in Point Loma, have been on the verge of losing their house and even their marriage. Finally they located the REST Report, got their modification approved and arent worried about losing their home or every single other. The new loan terms reduce their monthly payments more than fifty % and they are now paying much less than $ two,000 every single month.

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To get the particulars of these outstanding stories, view the full REST Report video critiques at LoanSafeMods.com.

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LoanSafeMods.com Reviews Show Struggling Property owners What They Stand To Obtain When Selecting The REST

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San Diego, CA (PRWEB) April 06, 2013

LoanSafeMods.com recently released a number of testimonial videos that show the REST Report in action. These are testimonials by men and women who have been helped with their mortgage modification requests by the REST Report, a third celebration analytics tool that shows property owners exactly what modification programs they qualify for and also shows banks and lending institutions how the numbers add up and why it would make much more sense to modify a mortgage rather than settle on foreclosure.

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These REST assessment videos all feature home owners who were capable to save their residences following struggling to save their houses for months or even years. The REST (Genuine Estate Solutions and Technologies) Report takes the info provided by the homeowner and runs it against the existing qualifying criteria issued by all obtainable loan modification programs, such as the HAMP, HARP and other government and non-government loan workout programs.

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This not only offers the homeowners peace of mind, as they will see exactly what they qualify for in a matter of days alternatively of getting to wait numerous months only to have their application either authorized or denied, but it also actually helps the lending institutions to procedure the request quickly. Alan White, of the City University of New York, said in a recent article on Bloomberg, While processing delays have provided borrowers time to negotiate loan workouts, huge lenders frequently lose documents and ask borrowers to resubmit them repeatedly. As a result, many property owners have given up because they just cant get their modifications approved and they dont see any finish in sight. Alternatively of obtaining the mortgage modifications that they deserve, they are settling on quick sales or foreclosure.

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This has triggered a considerable amount of pressure for home owners who are by no means sure where they stand and no matter whether or not they will be in a position to maintain their homes. The REST Evaluation solves this difficulty by displaying the borrower and the lender precisely what applications the mortgage scenario qualifies for, and specifically why it qualifies for those programs.

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The evaluation can also help to point out difficulties with the application ahead of the homeowner ever sends their request to their lender, which will give them time to repair the difficulty or discover some perform around remedy. Also, if the report shows that the mortgage ought to have certified for a modification, but the lender denies approval of the modification, the REST Report is so precise and trusted that it can even be employed as evidence if the homeowner decides to take the lenders selection to court.

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These benefits serve to make the REST Report one of the most invaluable tools for homeowners who are looking for mortgage modifications. The REST testimonials featured on LoanSafeMods.com can assist show struggling property owners what they stand to acquire when they decide on the REST Report. To view these testimonials and discover how the REST performs, please click here.

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LoanSafeMods.com: REST Report Testimonials Give Hope To Struggling Homeowners

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San Diego, CA (PRWEB) April 09, 2013

As a licensee of the REST Report, LoanSafemods.com has been helping struggling homeowners to comprehend how the third celebration analytics tool performs and helping them to utilize it to locate the best foreclosure options to save their homes. The REST (True Estate Solutions and Technologies Report) has helped thousands of families to locate out what their possibilities are so that they can fight to save their houses or locate the ideal option if this really is not feasible.

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1 of the approaches the LoanSafeMods group has decided to show homeowners on the verge of foreclosure what the REST is capable of is by routinely posting video testimonials from other homeowners who have used the REST. A quantity of these REST Report video reviews can be discovered on the main site as nicely as on the companys YouTube channel.

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Those who are not positive if the REST Report can help in their predicament may well be surprised to see what some of the property owners in the testimonial videos went through ahead of they ultimately identified the REST Report. A lot of of the homeowners featured in the assessment videos had been quite close to losing their homes and had been attempting to apply for mortgage modifications from their lenders without having any accomplishment for months or even for years in some cases.

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For instance Ron, a single father of two who lives in San Diego and functions as an EMT and who is featured in one of the assessment videos, was struggling to get his HAMP modification request authorized with his bank for numerous years. He explains how frustrated he was when the bank kept telling him that he necessary to resubmit paperwork. He says in his REST evaluation: Every time I would jump via one hoop for them they would toss up two far more!

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Ron even tried to get support from a handful of other firms that promised him that they could get his loan modified. Instead they asked him to pay up front and when they have been unable to make good on their promise, Ron lost that cash. Right after 3 years of frustration, Ron was prepared to give up. He was tired of living in fear and uncertainty.

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He says in his video review: “What scared me the most about every little thing was, everyday, not realizing if somebody was going to come knocking at my door telling me to get my stuff out. It was just me and my kids. We had no where else to go.”

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Fortunately Ron identified the REST Report via LoanSafeMods.com. Within a few months of running the report and sending in the analysis with his modification request, his application was approved and Ron was able to rest less difficult being aware of that he would not be out on the streets with his little ones. The modification authorized helped him keep his home by cutting his month-to-month payments nearly in half and also lowering his principle by practically $ 360,000.

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But as fantastic as Rons story is and as unbelievable as it could be to some individuals, it is not at all exclusive. Thousands of homeowners who had lost hope of ever saving their properties have been capable to to do just that with the help of the REST Report. For more information on how the report operates and to view the evaluation videos, go to LoanSafeMods.com.

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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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LoanSafeMods.com: REST Report Assists Home owners Who Are At present Struggling With The Modification Procedure

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San Diego, CA (PRWEB) April 14, 2013

LoanSafeMods.com is expertly equipped to aid property owners uncover solutions to their mortgage modification issues with the REST Report. The REST (Real Estate Services and Technologies) Report is a third celebration analysis tool that pools data from all offered government and non government loan workout applications (including the HAMP and HARP programs) and compares this information with the mortgage and financial information of the homeowner in order to show them specifically which modification programs they do or do not qualify for.

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So far the REST Report has helped thousands of households to steer clear of foreclosures and save their houses. Some of these folks have posted their stories via video critiques on LoanSafeMods.com. One particular newly posted video features Linda, a single mother who lives in Oceanside with her young daughter.

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Linda sought a mortgage modification when alimony payments from her ex husband stopped due to him losing his job. Without the support from these payments she knew she would be unable to keep up with the monthly mortgage payments for long, and so she submitted her application to her bank.

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Sadly, as a lot of people have identified out, acquiring a mortgage modification request approved is not constantly that straight forward. In Lindas case the bank kept asking her to resubmit documents or even her entire application package. Linda says in her REST video overview, “It was so perplexing to me simply because I had adequate revenue, I had all the criteria and they kept telling me ‘You have to resubmit, it really is been 3 months. You have to send in a new application.’ I feel I applied at least 3, perhaps 4, times!”

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Linda was not confident what to do. She didnt know if there was anything incorrect with her application and with no communication from her bank, she really didnt know how she would discover out. Linda lived with the worry that she would lose her property to foreclosure for practically two years as her bank continued to hold her application as below review.

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Lastly, nonetheless, Linda found the REST Report and from then on factors began producing a lot more sense for her. She says in the new video, When I initial heard about the REST I wasn’t certain what it was going to be, but I knew I needed to understand the numbers greater since no one particular at the bank was explaining it to me. So I had a REST Report accomplished and I looked at it and it was the first time that the method made any sense to me. It was extremely helpful!

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When she saw the good final results of her REST evaluation, Linda was extremely happy. She says, I was actually excited when I saw that I qualified in the REST Report because no a single at the bank would inform me what was going on. And there it was in black and white the numbers produced sense! So it was just a matter of getting it to the appropriate person at the bank and it was a completed deal inside a few weeks.

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The modification granted after Linda utilized the REST Report lowered her monthly payments from $ 3,000 to $ two,100. At this price, Linda can continue to raise her daughter in the home she grew up in and which they are each comfy and satisfied with.

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For much more info on how the REST Report can aid property owners that are presently struggling with the modification method, please go to LoanSafeMods.com.

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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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