By Caroline Taylor
The professionals at Truth in Lending Auditors help homeowners stop foreclosure almost daily. The Tila2 staff work directly with your lender and you to show why it is in the best interest of the bank to give you a loan mod. Often people who come to Tila2 have tried for months on end to get the bank to modify their loan.
Why are the staff at Truth in Lending Auditors able to prevent foreclosure so often? Because they specialize in forensic audits. The first step that Truth in Lending Auditors takes when a homeowner needs to get a loan modification is to conduct a complete forensic loan document review of the loan that the lender gave them.
You may wonder why this is the first step: It is because over the past decade lenders have repeatedly violated TILA, RESPA, HOEPA, and ECOA laws. They’ve ignored guidelines set by the OCC, and they have put people into predatory loans that are now wiping them out. Tila2 personnel have found that the best way to get the lenders to the negotiations table and to bring an end to the burning and churning in the lender’s system while desperately hoping for a Loan Mod that normally doesn’t come is to show the lender what he is responsible for.
When you look at the abounding reports of unfair disqualifications, lost paperwork, completed trial modifications followed by trustee auction dates, and “understaffed” loss mitigation departments, it makes no sense to try to get the bank to lower your payments, drop your interest rate, or reduce your principal without first give the banks ample and compelling reasons. Those reasons are found in the forensics. Homeowners who are tired of being scammed come to Tila2.
Lenders, bankers, news media, government officials, and even competitors warn homeowners away from seeking professional services to help you save their financial life and home. . . Why? It is easier to foreclose when the bank doesn’t have any middle man. And it is always easier to get business for your company if you put out false reports about the competition.
Don’t be mislead. The facts speak for themselves. Tila2 uses forensics and the first and most critical step in getting you the successful negotiations you need. If you are at risk of losing your home to foreclosure, then don’t delay. Get Truth in Lending Auditors on your side.
Much information has come to light that begins to suggest that the banks are profiting from foreclosure. The banks see no profitability in loan mods. The Federal Reserve Bank of Boston released their findings on this a year ago.
Are you still wondering if you should trust the bank’s promise to give you that loan mod? Are you still trying to decide if it is time you got a forensic loan audit? No matter what, the facts speak for themselves. What are the facts of your loan? Most probably the facts are a large number of violations. How can those facts help save your home?
It is probably time you contacted tila2 and took matters into your own hands. Just remember this: The bank wants your money and your home. Take action and give yourself a fighting chance. Get a Forensic Loan Review and let the people at Tila2 negotiate new terms for you with the bank.
Truth in Lending Auditors can be contacted at ( 877) - 625--2419. You can find out more about Tila and Forensic Loan Reviews at http://www.tila2.com/.
Tags: Truth in Lending Auditors, Tila, Tila-now, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loans
By Harlan Gray
In most states, foreclosure is initiated after three payments have been missed. In most states, the beginning of foreclosure is a document known as the notice of default. It will be mailed to the property address, and often nailed to the door of the property as well. In some states foreclosure is judicial – meaning the process has to go through the courts, in other states foreclosure is non-judicial and can be done through a trustee, such as a title company or a foreclosure specialist company. Then there are some states that allow for either method.
Traditionally, the foreclosure process has taken approximately 90 days to complete, and it is completed by the bank auctioning off the home, usually at the county courthouse or curing the default. If nobody buys the home, the lender will buy the home back and then place it with a real estate agent to be sold. Sometimes homeowners think that if nobody bought the property, then it didn’t get sold and it is still theirs. This is not the case in at least 95% of the auctions. Once the lender buys it, the home is his and the homeowner will have to vacate the property, normally within 30 days.
Today, homeowners have opportunities available to them to stop the bank’s attempts to foreclose on him or her before the home is auctioned off. Tila Solutions is able to help homeowners who contact them before the home is auctioned off.
It is important to know that the homeowner does not have to leave his home at the beginning of the foreclosure process. And the homeowner still has time to stop foreclosure and save his home. But, also understand that the lender will not accept any payments from him except for the full default amount. The default amount is the total amount of missed payments, plus all fees.
Traditionally, paying the full default amount, which always includes fees and penalties and other “additional costs” – often marked up to create more profit for the lender, is known as curing the default. If the homeowner cures the default any time before the auction date on the property then he is not going to lose his home. It is estimated still that at least 50% of the homeowners manage to cure their defaults. This is one reason why lenders would prefer to use the foreclosure process to make money instead of give a homeowner a loan mod. However, statistics are also showing that these homeowners who cured the default normally end up back in foreclosure in very short order.
Tila Solutions receives countless calls and emails from people every day desperately trying to save their homes. There have even been reports of people committing suicide because they could not stop foreclosure. They call Tila because they need help. Real Help – not false hope.
Lender Lies & Deceit
In any given month Tila Solutions receives countless calls from people that they can no longer help. These are the people who were told by their lenders that they did not need to worry about the foreclosure, because they were “under review” for a loan mod, and the homeowners actually believed the bank. Then somehow the auction date or denial letter didn’t arrive at the property address or in the mail, and the homeowner learned that either a) his home was going to be sold in the next couple of days or day, or b) his home was already sold at auction.
Tila Solutions is an audit company. They conduct forensic loan audits and help people locate the federal laws that were violated by the banks when the loan was issued. They use the results of these audits to help people save their homes and get the loan mods the banks refused to give previously. But they can only help IF the home has not been auctioned off!
These days, the lenders have the goal of cleaning up their books, turning a profit, and making more money (actually the same goals the banks have always had – cut the losses and turn a profit). Banks determine where they will see the best return on the money they loaned, and sadly, you are not it. Now that means auction off your home, and make money elsewhere, and that is what has been happening to the masses.
It is always the same story: You, the homeowner, were lied to when you were given the loan: it wasn’t a good loan worked out in your best interest, it was a predatory loan that is now consuming you, but has made money hand-over-fist for the lender. Now you are being told there just seems to be no way possible to qualify for a loan modification and lower their monthly payment, or worse yet, that you are under review and not to worry about the auction date.
Until Tila Solutions conducts the Forensic Loan Review and finds the crimes that the banker is guilty of, you will continue to be lied to, and either cure the default, only to end up in foreclosure at a later date, or just lose your home.
It’s a story we are all quite familiar with now: somehow, that poor family, sitting in foreclosure does not make enough money to pay a smaller monthly payment, so the bank refuses to do the loan modification. Of course they will also continue demanding the higher monthly payment or you lose your home to foreclosure.
Stopping the Bank Scam
Homeowners just don’t realize that the bank will tell them lies. It will tell them that they are getting a loan mod and then it will auction off their home. If any other company operated this way they would be shut down rapidly and prosecuted! But the banks have billions of dollars and they are getting away with it. If homeowners do not have somebody on their side, and keep listening to the bank lies, they will be another statistic of the bank scams.
When Tila Solutions comes on the scene, foreclosure is stopped, banker crimes are found and exposed, and lower monthly payments (and often principal balance reductions too!) are gotten.
Tila Solutions uses the power you have always had to protect you: TILA, HOEPA, RESPA, ECOA. These are the laws that protect borrowers and prevent them from having their lives destroyed through the predatory acts of unscrupulous lenders and bankers who would use them for their own profit.
Borrowers have so much power and strength when they know their rights and use these laws. Tila Solutions helps them do this.
Banks are not above the law, but will try to operate as if they are. You don’t have to take that anymore! A Tila Solutions Consultant is available for people by telephone at 1- 307—459—0232. Or you can visit the Tila Solutions website at www.tilasolutions.com. They will help you and your family. They are on your side.
Tags: loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, predatory loan, notice of default
If you have a vehicle that you are ready to get rid of, you should do some research before you place the "for sale" sign on it. There are assorted differentiated actions of acquireing capital for your used vehicle. One of the easiest ways is to go to a cash for car business to get an appraisal and cash in the same day! Here are quite some additional recommendations: sell my used car for cash quickly
First of all, if you check your local newspaper, you will arrive countlessness of places esteeming to purchase a used vehicle. Also, junk yards and tow services will be attracted. When you contact these places, be sure to have some information handy. Like the make and model of your car, and the year it was made. They will also want to know if there are any problems with the vehicle. Does it make a funny sound when you start it, or has a window been broken? List all damages, as well as all accordant articles aforetime you call, so you are prepared. sell my car for cash
Selling your vehicle is not a accented activity to do, if you know where to look. Just like when you are buying a car, you need to shop around to find the best deal. Some places will give you more money for your vehicle than others. It is your job to find out which ones have the best offer. Make sure you have all of your close captivations avenue of the vehicle before you hand the keys over to the dealer.sell my car for cash
There are extra actions on route to access cash for your car. If you post an ad in the local trading paper, or newspaper, people will know it is on the market. Then, people can call with any question they may have. Be prepared for people who try to talk you down from your original asking price. This is customary in selling almost anything. Now that you have negotiated a price, you can hand over the keys and consider the deal done.Bond Mejeh produces automotive affiliated articles for Quick Cash Auto, a service helping people sell a car. Quick Cash Auto not only buys pre-owned vehicles of any make or model, but they also provide numerous articles about vehicle freshen and automotive news. To learn more feel free to visit our choosen cash for car program by clicking ==> sell my car for cash
Once you have missed a payment the lender is not your friend. Missed payments equal more money for the lender. The more the lender gets, the happier he is. The best way for the lender to get more money out of you is to increase your monthly payment through accrued interest from late payments or missed payments, late fees and penalties. It is a real money maker for the lender. This has always been a fact and all homeowners know it and accept it.
Where the problem currently lies is that the homeowner has been led to believe by both government campaigns and lender lies that the lender is actually going to help him – the homeowner, who has fallen behind. The lender is not going to help you – unless there’s money to be made in it for him. Enough money to make it worth his while – and that means he will actually pretend to help you. In fact, the lender will just string you along with false promises and pretenses for months and months and months, finally you’ll end up in foreclosure and possibly lose your home to public auction.
You, the homeowner have always been nothing more than a loan number to the lending institutions. Sadly, that’s all you’ll ever be. They’re not particularly moved by the fact that your child has special needs, or your mother needs extra care. They don’t really care that your spouse lost their job, or that the home has been in your family for six generations. In fact they have no interest in any of the aspects of your life. The equation is simple: Your money or your home.
What matters is that your loan number has fallen behind and now you are on the very-profitable-for-the-lender road to foreclosure. Soon they will either get a large, normally uncontested “chunk of change” from you-who-represents-your-loan-number, or they’ll get your house – which secures your loan number.
Sure, they have seemingly courteous people on the phone (well some of them do, others use call centers in India or hire brutes to scare, manipulate and threaten you), all who say “stop making your payment and we’ll get you a loan mod,” or “we can’t help you until you are three payments behind,” or we have you in the system for a loan mod, now it will take only 4 months to get you a mod (of course it actually turns out to be 13 to 18 months because they are always losing your paperwork).
Why does a process as simple as a loan mod take so long? Because every missed payment is more money for the lender. Did you know that almost half the homeowners manage somehow to cure their default amount to prevent foreclosure from starting? Sure, but they wiped out every financial resource the homeowner had, and once again, he can’t make his monthly payment!
The homeowner is back in default and on the road to foreclosure in no time at all. Meanwhile the lender made a nice sum and gets to go for round two. The only route left to save the home is bankruptcy – most homeowners think—so they destroy the rest of their credit and dignity in a last ditch effort to save their home. It bought them a bit of time, but it seems the lender still gets the home in the end.
What started all this? Rather, who started all this? It was the lenders themselves. That’s correct, they gave you loans designed to fail. They’ve made billions of dollars at your expense. That’s why it is predatory lending and predatory servicing. Since the day you got your loan you have been preyed upon. You have been told that this is “all your fault,” and the government has “tried to comfort you” with promises of help through President Obama’s HAMP program. That, of course we all know now, is just a great big joke. Most people only give money to the lender for months on end, while none of it goes to their loan, then they get disapproved and foreclosed upon.
And it seems to so many homeowners that everybody is in on their pain for the lender’s gain. Attorney’s won’t take on the homeowner and fight for him when the lender will pay him well to foreclose. Judges don’t really want their courtrooms clogged up with foreclosure cases, so warehouse them through. Lenders ‘warn” homeowners not to get professional help, ‘cuz, well you know, “the lender will help you for free”, yah, sure we all know that lie by now. And saddest of all: politicians are passing laws that prevent homeowners from hiring professionals to help them get their loans modified!
But there is hope, and there is help. Rockingham Associates is there for the homeowner. They conduct forensic loan reviews which reveal all the violations in the loan the lender gave you. They conduct predatory servicing investigations, which reveal all the predatory acts the servicer has committed against you. They use those investigations as the springboard to getting you successful negotiations. Lenders suddenly would rather modify your loan, than deal with investigations.
Homeowners don’t have to stand alone, they don’t have to be abused and preyed upon. They just need a professional on their side and that would be the good people at Rockingham Associates. Visit their website at www.rockinghamassoc.com to learn more about this company and what they can do for you. They are busy rekindling the American Dream. Their goal is to get you complete financial recovery. Consider contacting one of their representatives to begin to unravel your financial dilemmas.
Tags: lender, late payments, default, homeowners, Foreclosure, Loan Mod, Loan Modification, Predatory Loans, Predatory Lenders, Credit Scores, Foreclosure, predatory foreclosure, bankruptcy, Rockingham Associates, Rockingham, borrowers, HAMP, HAMP Program, Obama Plan, Bankruptcies, Predatory Servicing
Today's world is full of schemes and scams encompassing "miracle" fat-loss products, muscle ab gadgets that claim six-pack abs while you watch TV, and "magic" pills and powders promising to get you lean in only a matter of days. It's long over-due to end the scams and gimmicks. The self proclaimed experts take special insights due to their years of so called research and most of the book is written like a third grade reader.
Luckily, The Truth About Abs is not like most books. It is 117 no fluff pages of rock solid material that if followed will decidedly provide a way to your Six-Pack dreams.
The Truth About Abs clearly explains what most people do wrong when trying to get rock-hard abs. It will prevent you from wasting long hours of cardio, jogging, crunches and other exercises that will do nothing in reaching your goal of a flat washboard stomach. An effective whole body workout generates an overall hormonal respond from your body. This proper training increases one's hormonal and metabolic reactions. This workout burns body fat fast. The Truth about Abs provides you the right method to produce the six-pack abs you long for.
Lastly, The Truth About Abs covers diet and nutrition information which truly is the last piece to the puzzle that leads you on the straight and narrow way to sexy flat abs The Truth About Abs an surpassing value it is packaged with six extra e-books that help you to prevail greater success in your fitness goals.
5 Things You Must Realize if You Are Always Going to Lose Your Belly Fat & Get Six Pack Abs
by Mike Geary - Certified Nutrition Specialist, Certified Personal Trainer (CPT)
1. Ab exercises such as crunches, sit-ups, and ab machines are actually the LEAST effective method of getting flat six pack abs. We'll explore what types of exercises TRULY work in a minute.
2. Many so-called "health foods" are in reality smartly disguised junk foods that can truly excite you to gain more belly fat... Yet the diet food marketing manufacture continues to lie to you so they can maximize their profits.
3. You DON'T need to waste your money on expensive "extreme fat burner" pills or other bogus supplements. I'll show you how to use the power of natural foods in more detail below.
4. Boring repetitive cardio exercise routines are NOT the best way to lose body fat and uncover those six pack abs. I'll tell you the exact types of unique workouts that produce 10x better results below.
5. Ab belts, ab-rockers, ab-loungers, and other infomercial ab-gimmicks... They're all a complete waste of your time and money. Despite the misleading infomercials, the perfectly chiseled fitness models in the commercials did NOT get their perfect body by using that "ab contraption"... They got their perfect body through REAL workouts and REAL nutrition strategies.
Again, you'll learn some of their secrets and what really works below. Many people have attained the six-pack abs after they have discovered The Truth About Abs.
Check out what real people say about the program. You simply can't resist trying it for yourself! To learn more about this shocking discovery: Learn this number one closely-guarded secret to abdominal weight loss at http://www.theclassyad.com/products/thetruthaboutsixpackabs
There are bountiful abnormal ways to go about selling a used wheels, and the elections fall greatly as regards the affairs of the vehicle you are trying to sell. For a seller, it is important to know what options are available in order to sell the automobile quickly and to achieve the maximum amount of account from their vehicle. For more information please feel free to consider our main site sell car for cash
If you are simply trying to sell a used automobile some of the completely popular and accurate methods are: Take out an advertisement in a newspaper or magazine. Post your motorized vehicle on an online forum or eBay motors, and take it to a local used automobile dealer. All of these options have pros and cons. For instance, taking out an broadcast or chronicling the motor vehicle online can result in a higher return on your vehicle, but it will take a lot longer to sell. Taking your auto to a used truck dealership can avouch that you can get rid of your wheels in the same day. sell car for cash
A used wheels dealer also has the contribute to in connection with giving you a amicably price for your vehicle. If you are planning to sell your van on eBay, since it is an auction setting, getting the actual arrangement of your autocar can be hit or miss. Also, without in depth knowledge of the subject, you may not know exactly how high to set the reserve amends so that the motorized vehicle is priced low enough to get a buyer, but high enough to get the amount of money you deserve. sell car for cash
There is the good opportunity that no one alternates to your advertisement or auction which makes this course a belittled reliable optionality. If this occurs, you are stuck holding onto the motorized vehicle when you might need the money immediately. Except for those with a good deal of experience selling used cars, a dealership can end up netting you more cash for your vehicle in a shorter amount of time, with less hassle. However the best thing to do is give everything a shot and your most likely to come up with something. Also consider a particular automobile for cash company that accept every motorized vehicles moving or not plus provide thousand dollar gift certificates of america's favorite resturants and groceries. Visit here for more information. sell car for cash
JM Billiard have cut no corners when it comes to creative thinking. The round pool table is here and the possibilities are endless! The California-based JM Billiard Co. Has took away traditional pool tables, and put a spin on them. Their ROUND pool tables are the first of its kind offering a tricky twist to the traditional game of pool. Havent got word of the round pool table until now? Where have you been? The basic round billiard pool table was invented over thirty five years ago and first seen on the Steve Allen TV show in 1970, and then a few years later by The Los Angeles Times, Popular Mechanics, and the TV program Whats My Line. The most new television shows have been CBSs -The Price Is Right and MTVs -Fantasy Factory.
Custom-made round pool tables are built using six pockets equally spaced around the playing surface and the B.C.A. (Billiard Congress of America) specifications have been implemented, where relevant. JM Billiard offers each of their pool tables in three sizings; 6 foot, 7 foot, and 8 foot diameters. Like all of the round billiard pool tables constructed by JM Billiard, there is a 7 inches precise bank built into every rail. These precise banks bring out a lot of your bank shots and sustain the balls from running along the rails. As an outcome, you may do the said games on a round pool table as you can on a conventional rectangular surface.
Giving an choice of a customize billiard pool tables causes JM Billiard Company different and apart from several billiard pool table companies. They practice a mixture of stuffs to custom-make each table to the customer. You can personalize everything, including; the way of base/legs, wood option, alloys, laminates, cloth/felt color, logos, pockets, portrait sculptures, etc. Custom-built plans and logos can be engraved or impressed on the cloth, railing, and/or skirts. I can go on and on but I suppose you get the idea.. Basically, you are able to make your special billiard pool table from the ground up!
For the grownup clients, you may be more interested in the rated-R version of the round billiard tables. JM Billiard has a genius mind of creating a perfect table for adults with its stripper-pole attachment to your billiard pool table now your table doubles as a party table so you can have a tremendous party everytime If palying cards is what you desire JM Billiard Company also has a appropriate attachment add-on to your table your very own poker game table top If you need to put away the billiard balls, and put on your poker face- JM Billiard has the right addition for your game room. And this year they are planning to bring out a new poker table top The new table will grant you to convert easily from pool table to poker table in very few and simple stepsSo now you can gather up your friends and have a pool and poker party depending on what they like. The pool table pricing choices are on the site jm billiard. Depending on the customization points, prices will alter. Please contact JM Billiard to have your best pool table. game tables