We Buy Houses, REO, Stop Foreclosure Home Loan Modifications Blog

We Buy Houses and REOs and Help Stop Foreclosures and Successful Home Loan Modifications for homeowners that are looking for options and solutions to sell their house fast cash or stay.

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Stop foreclosure Arizona, Foreclosure Law Arizona in 48 Hours http://www.helpwtihmtg.com Learn from Luis Coriano How to Stop Foreclosure in 48 Hours Free Video at: http://www.helpwithmtg.com

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Stop Foreclosure http://www.consumerdefenseprograms.com/a Foreclosure expert, Corey Vandenberg explains what is foreclosure.

“One of the most common questions that I get about foreclosure or stopping foreclosure is people want to know really, in its essence, what is it? What is foreclosure? I’m going to try and make this simple for you so that you really get the understanding of what is happening. When you signed a loan agreement with a bank, and there’s two types of foreclosures that can happen in the United States, there’s what we call a trust deed state and there’s what we call a mortgage state, and depending on which state you live in is what’s going to determine how those foreclosures happen, like what the procedures are, and the rules and what not.

Here’s the best way I’ve ever come up with to explain a foreclosure. The common misconception is that a foreclosure is the bank taking your house. The reality is, if you’re familiar with a word, by proxy, or what it means to do something by proxy, that is actually what is happening in a foreclosure. What’s happening is, you signed an agreement when you took out a loan that said that in the event that I don’t live up to the terms of this agreement, then I grant specific legal power to the lender or their trustee to go ahead and sell my house, as me, by proxy. When they’re standing up on the courthouse steps auctioning a home, they are actually doing that under the home owners’ authority on behalf of the home owner. It’s you selling your house to satisfy the debt of obligation that exists because of the mortgage. It’s not the bank selling your house, it’s you selling your house, really. This process, like I said, can happen two different ways, depending on which type of state you’re in, whether it’s a mortgage state or a trustee state. This is a very important distinction. In a mortgage state, what’s essentially happening is there is a lawsuit being filed where there’s a contract that exists which is your loan agreement and the bank is saying in the court systems, “Look, we’ve got this contact here, and under the terms, they’ve defaulted, or we’re alleging they defaulted, and we want permission from the courts to satisfy the contract according to the terms and be able to recover any damages,” which is pretty typical of any type of lawsuit.

A trustee state is very different. A trustee state, kind of acts on the theory that everything’s already been worked out in the contract, there’s no need to go to court and enforce the contract, it’s here, it’s plain, it’s written on the face of the document, we can follow it. As long as the bank follows the rules in that state, then they’re legally allowed to just go ahead and proceed with the foreclosure according to those rules because it’s spelled out in your contract. Obviously I’m making this very simple, but that is the core essence of the difference of a trustee foreclose and a mortgage state foreclosure. As far as any other aspects of what foreclosure is by definition, those are the two most important things. What I would close with is that, a lot of times people feel like they either don’t have options or they don’t know what their options are in a foreclosure. Specifically, you almost always have the ability, up to a point, to bring the home current. Some of the other options that we’re going to talk about in other videos kick in when you don’t have the ability to bring it current. It’s a very big misconception people run into that they feel like now that I’ve fallen behind, I can’t even bring it current, and that’s absolutely no the case. That is very possible, I would say 99 percent of the time. Defining foreclosure, it’s really just a legal action where the lender is trying to recover the collateral, and they can do it one of the two ways we just talked about.”

For more information about Consumer Defense Programs and how to Stop Foreclosure, visit http://www.consumerdefenseprograms.com/a

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Dec
07

Stop Foreclosure – Short Sales work!

Posted by David G

Have you ever wondered why banks accept a short sale rather than foreclosing. This video will explain WHY the short sale is more attractive to the lender and YOU, the borrower!! Learn how to Stop Foreclosure with a Short Sale.

www.denverstopforeclosureblog.com

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Nov
16

Stop Foreclosure – Your Options

Posted by David G

Learn how to stop foreclosure with the Stop Foreclosure Institute of Westminster and Denver. Loan modification, short sales, bankruptcy, 401ks, foreclosures are some of your options. What are you going to do?

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http://www.lawofficesofbrucerichardson.com/
Lenders knew or should have known substantial numbers of its subprime loans, especially absent prompt refinancing, would fail and result in foreclosure.

Nonetheless lenders made the loans to promptly package and sell to the secondary market. Predictably, as a result of these predatory loans, scores of borrowers across America now face foreclosure, and many have already lost their home and savings.

However, borrowers do have remedies to address their foreclosure related issues. The following is a list of some of the protections afforded homeowners under Federal and state law.

FEDERAL PROTECTIONS
– Truth in Lending Law
– The Home Ownership and Equity Protection Act of 1994
– The Real Estate Settlement Procedures Act – Federal Fair Housing Act
– Federal Equal Credit Opportunity Act – National Housing Act

STATE PROTECTIONS
– General Business Law (Deceptive Practices Act)
– Existing Anti-Predatory Lending Laws
– New Anti-Lending Laws enacted by State

NON LITIGATION OPTIONS
There are also options available other than other than litigating the foreclosure issues that can enable homeowners to keep their home. Such options are:

– Negotiate the loan repayment with the lender
– Short sale
– Refinance with a new Lender
– Seek reverse mortgage (if a client is a senior citizen
– Consider a Chapter 13 bankruptcy

Homeowners that act quickly have the best chance of being able to obtain remedies for their foreclosure related issue and ultimately save their home.

http://www.lawofficesofbrucerichardson.com/real-estate-law.html

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Chapter 7 Bankruptcy California Stop Foreclosure Video

http://www.spielbergbankruptcylaw.com/

Chapter 7 Bankruptcy Attorney at Law California Twain Harte & Castro Valley Ca
We have concentrated our practice on consumer bankruptcy matters since 1990, including Chapter 7 (liquidation) and Chapter 13 (reorganization). We will also help you explore alternatives to bankruptcy. If you are considering a Chapter 11 bankruptcy filing, we can refer you to qualified counsel. To learn more, contact our office or call us at 510-886-5751 (in Castro Valley) or 209-586-0250 (in Twain Harte). He has been located in his Castro Valley office since 1977, and has been serving Tuolumne and Calaveras counties since 1988.

At our offices, we strive to bring the most value to you as we move through the bankruptcy process. Our goal is to help you get a fresh start by eliminating as much of your debt as possible while protecting as many of your assets as we can.

http://www.spielbergbankruptcylaw.com/

To help us be more cost-effective and efficient, we ask that you prepare for your first meeting with us, gathering as much information as possible, including recent pay stubs, income and deduction records, a list of your creditors and a copy of your most recent federal tax return. At our first meeting, we will review your situation, provide you with an assessment of your options, and give you the information required to complete the Congressionally mandated credit counseling course.

We have a comprehensive understanding of the changes brought about by the 2005 bankruptcy law and its recent updates. We can help you determine whether you meet the standards to file for discharge of your debt under Chapter 7. We are also familiar with non-bankruptcy alternatives, including your rights under the Fair Debt Collections Practices Act.

To set up a meeting to discuss your bankruptcy needs or alternatives to bankruptcy, contact us or call our office at 510-886-5751 (in Castro Valley) or 209-586-0250 (in Twain Harte). We keep flexible hours at our Castro Valley office and schedule weekend appointments at our Twain Harte office.
http://www.spielbergbankruptcylaw.com/

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http://stop-foreclosure-fraud.com – Are you facing foreclosure and would like help to Stop Foreclosure Without a Lawyer? Information and tips on how to stop foreclosure available in our main page.

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http://www.stopmortgagebanks.com

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Understand the foreclosure process in Colorado. Discover when you must vacate the property, and learn what your options are to postpone the foreclosure. Yes, Dan Hopper and his short sale team can assist you with options to stop the foreclosure. Short sale or loan modification. DO not walk away from the property!! Prevent a foreclosure on your credit!!
Stop foreclosure, now!!

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