Tag Archives: Alternatives

Assist for Homeowners Threatened with Foreclosure Free Workshop November 8th provides Home owners Alternatives.

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San Jose, Ca (PRWEB) November 11, 2008

Santa Clara County: Bay Location homeowners who are threatened with foreclosure can attend a totally free workshop to find out how to save their residence. “Home owners have possibilities”, says Hannah Fliegel, Credit Repair Professional and founder of the Foreclosure Choices Network. Partnering with renowned Tax Attorney, Steve Moskowitz, homeowners will find out just how a lot of alternatives they have and how these options will impact their future.

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At the Workshop, property owners will have the opportunity to ask questions distinct to their predicament. Panel will cover subjects such as brief sales, loan modifications, TILA law, Bankruptcy and Tax possibilities, Tax organizing, credit repair solutions and a lot more.

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Workshop will be held on Saturday, November 8, 2008 in San Jose, CA. at the Clarion Hotel San Jose Airport, 1355 North Fourth Street, beginning at 10:00 AM to 12:00 PM.

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Nonprofit Agency Launches HomeOwnership.org — a Comprehensive Online Resource To Help Home owners With Loan Modifications and Foreclosure Alternatives

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Riverside, California (PRWEB) January 15, 2010

As shoppers continue to climate the worst housing crisis in 60 years, Springboard Nonprofit Customer Credit Management is pleased to announce the launch of its new web site, HomeOwnership.org. The internet site offers property owners with expert mortgage suggestions, including foreclosure prevention, reverse mortgage counseling and homebuyer education. Springboard is certified by the U.S. Department of Housing and Urban Improvement as a complete housing agency and is accredited by the Council on Accreditation as a provider of high good quality monetary education and counseling services. “Today’s launch of HomeOwnership.org demonstrates Springboard’s commitment to offering the highest level of education and help to property owners in need to have,” said Melinda Opperman, vice president of neighborhood outreach and business relations. “HomeOwnership.org is yet another tool created by Springboard to meet the needs of customers facing a assortment of housing troubles,” said Opperman.

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Homeowners facing foreclosure can schedule a priority counseling session with a certified housing counselor or may possibly get in touch with a designated hotline for quick assist, seven days a week. Distressed home owners can also check out http://www.HomeOwnership.org and enter standard info to figure out the likelihood of a loan modification. In scenarios exactly where homeowners do not qualify for a loan modification, Springboard offers two new applications – the Safe Haven(SM) and Soft Landing counseling applications.

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The Protected Haven(SM) program is developed for the homeowner who has enough revenue but can no longer afford the home due to higher debt and monthly expenditures. The Soft Landing system is created for the homeowner who will not be in a position to remain in the house due to an extended hardship. Both programs were created by Springboard in an work to supply extra choices for distressed homeowners. Springboard’s certified housing counselors are offered seven days a week to support homeowners transition with hope.

The Host Group Launches Updated Line of (SSL) Security Alternatives for All Hosting & Design Clientele in North America

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San Francisco, CA (PRWEB) June 22, 2013

The Host Group, an international net hosting provider and design and style firm considering that 1997, not too long ago launched an update line of SSL certificates alternatives to safeguard their consumers internet sites from information loss or thefts.

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According to the CEO Doug Davis, “Several consumers have requested that we launch SSL certification primarily based upon the growing need to have for updated security measures.” Mr Davis added, “Right now, it really is very crucial for sites to have SSL certificates due to the fact it shows buyers that it is safe to do on the web transactions with a secure platform. In response, we created some significant upgrades with a significantly larger variety of options.”

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SSL Certificates are supplied soon after verification of ownership, and there are 3 varieties of validations:

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1) Domain Validation &#13

2) Organization Validation&#13

3) Extended Validation.

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CEO Doug Davis went on to say, “In domain validation, the enterprise owner has to verify their website by accepting or responding to the mail address of their web site, for instance: admin@domainname or webmaster@domainname or from the administrative email address.

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When an SSL certificate is approved for a website that processes credit card payments, then it is provided with a web site seal , or ‘graphic image’ which The Host Group design and style group can spot anywhere on the website to show that the web site is safe for undertaking the transactions.

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At The Host Group, management and employees realize that SSL certificates are made to safeguard your site and even buyers demand for such things since they are aware that if a site doesnt have it then it will be a issue for them.

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For much more info about The Host Groups line of hosting, VPS or custom internet development services, simply go to http://www.thehostgroup.com

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Grand Prairie Reasonably priced Assisted Living to Host Alternatives for Older Adults Sharing the Caring Workshop

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Bradley, Illinois (PRWEB) June 23, 2013

Grand Prairie of Macomb, a BMA affordable assisted living neighborhood, is hosting an Alternatives for Older Adults workshop on Sharing the Caring at 1:30 p.m. on Thursday, June 27.

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The community, which is located at 1307 Meadowlark Lane in Macomb, Illinois, serves older adults of all incomes, like these on Medicaid, who need some support to preserve their independence.

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“Come and discover about partnership developing, how to deal with grief and loss, and how to gain the further support necessary to be a caregiver,” says Andrea Keene, Administrator of Grand Prairie.

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The workshop is open to the public. There is no charge to attend.

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After the workshop, at 3 p.m., Grand Prairie is hosting an Ice Cream Social.

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For much more data about the workshop, the Ice Cream Social or Grand Prairie, call 309-833-5000.

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Grand Prairie of Macomb is the only senior living community in McDonough County that is certified to operate via the Illinois Supportive Living plan. The community not too long ago was recognized by Assisted Living Right now as 1 of Best 20 assisted living communities in Illinois for delivering trustworhy and competent care and for fostering the individuality and independence of every single resident.

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“We provide older adults of all incomes with a superb option to a nursing house or to struggling alone at property,” says Keene.

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The community combines residential apartment-property living with the availability of private help, aid with medications and a range of convenience and support services.

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Certified nursing assistants, functioning below the path of a licensed nurse, are on-duty 24 hours a day, seven days a week. All three meals every single day, housekeeping and laundry are among the included solutions.

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“Residents also benefit from all of the opportunities that are accessible to socialize with close friends and neighbors and to participate in activities and unique programs,” says Keene.

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Grand Prairie is managed by BMA Management, Ltd., of Bradley, Illinois.

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BMA is the biggest provider of assisted living in the state.

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“Our concentrate is on providing residents with the enjoy, compassion and dignity that they deserve and the help and help that they need to have,” says Rod Burkett, President and CEO of BMA Management. “Our emphasis is on helping each resident to attain and maintain as a lot independence as possible for as extended as achievable.”

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Communities managed by BMA include the Heritage Woods reasonably priced assisted living communities in Aledo, Moline, Sterling and Ottawa, Illinois. BMA also manages John Evans Supportive Living, an cost-effective assisted living community in Pekin, Illinois.

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For more data about BMA Management the assisted living, senior living and memory care communities that the company operates or the company’s management, development and consulting services, go to http://www.bma-mgmt.com or contact 1-877-882-1495.

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Find Far more Administrator Press Releases

Far more Alternatives Coming for Underwater Home owners

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Riverside, CA (PRWEB) December 06, 2011

In response to recent enhancements to the federal Property Reasonably priced Refinance System (HARP), Springboard Nonprofit Consumer Credit Management, Inc. (Springboard) is advising home owners that confidential, 24-hour on-line assistance is available to borrowers wanting to decide if they meet the certain criteria to refinance their underwater home mortgage at todays low prices. Springboards Mortgage Assistance Advisor(SM) is accessible by means of HomeOwnership.org, the agencys web portal that gives shoppers with the most current info on homeowner help programs, which includes refinance and loan modification choices. HomeOwnership.org is a trusted resource for customers nationwide. The Mortgage Assistance Advisor(SM) is a virtual tool that may possibly be accessed 24-hours a day, 7 days a week. This service is provided by Springboard a HUD authorized housing counseling agency that has been assisting men and women because 1974. Springboard has helped virtually 250,000 property owners considering that the monetary crisis started in 2007.

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We know that distressed home owners frequently dont know exactly where to turn for the most recent information on mortgage payment relief, mentioned Aaron Horvath, president of HomeOwnership.org, a division of Springboard. The Mortgage Assistance Advisor is an simple-to-use online service that will guide property owners to attainable choices and solutions for them, said Horvath.

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First, either the Federal National Mortgage Association (Fannie Mae) or the Federal House Loan Mortgage Corporation (Freddie Mac) must own the loan. Eligible homeowners can refinance at todays low rates, even if they are severely underwater. The revitalized system attributes some current enhancements designed to revive the plan and aid underwater mortgage owners take benefit of todays low mortgage prices to reduced their monthly payments.

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New plan enhancements address several other important aspects of HARP including:

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The plan previously only permitted the residence to be underwater by 125 percent loan-to-value. That loan-to-value cap has been lifted enabling much more home owners to be eligible&#13

You need to be current on mortgage payments in the previous six months. You cant have a lot more than one late payment in the past year. Previously, the program didnt enable any lates in the previous year&#13

Eliminating particular danger-primarily based charges for borrowers who refinance eligible mortgages into shorter-term mortgages and lowering charges for other borrowers&#13

Eliminates the want for new house appraisals exactly where there is a reliable automated valuation model estimate offered Fannie Mae and Freddie Mac and&#13

Extends the date for HARP until Dec. 31, 2013 for loans initially sold to Freddie Mae and Freddie Mac on or prior to Might 31, 2009.

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Home owners are encouraged to pay a visit to http://www.HomeOwnership.org to uncover out the most current info on home preservation and foreclosure prevention, including recent enhancements to the HARP program. The Mortgage Help Advisor(SM) is easy to use. As soon as the homeowner completes a short questionnaire, the Mortgage Help Advisor(SM) will give a list of possible plan options. The homeowner will also have the alternative of speaking directly with a Springboard monetary counselor who will answer any question related to distinct mortgage relief programs. The counselor will be capable to use the information from HomeOwnership.org to navigate and discuss the different alternatives offered to the homeowner. If require be, the counselor will engage in a conference call with the homeowner and the mortgage servicer to begin the function-out procedure.

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Right here is how it works:

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Step 1: Go to http://www.HomeOwnership.org and click Mortgage Help Advisor(SM)&#13

Step 2: Answer simple questionnaire&#13

Step 3: Mortgage Help Advisor (SM) gives list of possible system solutions&#13

Step four: Complete on the web Mortgage Help Profile&#13

Step five: Speak with a certified mortgage counselor

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There is no charge to speak with a counselor or to access the on the web Mortgage Assistance Advisor, stated Horvath. This is an enhanced level of service and help that have been pleased to offer home owners.

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If you not only have an underwater mortgage but also have missed payments, you may possibly qualify for HAMP, the federal Home Inexpensive Modification Program available through mortgage lenders.

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Springboard encourages troubled property owners who have missed any mortgage payments or are about to, to function with a HUD-authorized housing counseling agency. Springboards economic counselors are available to assist property owners assess their situations, recognize options and aid prepare them to perform with their mortgage firm.

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About Springboard Nonprofit Consumer Credit Management&#13

SPRINGBOARD

Chapter 13 Bankruptcy Guidance Pages Mark A New Internet site Offering From The Bankruptcy Alternatives Group For Customer Details At Financial Firebird Corporation

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Pittsfield, MA (PRWEB) February 21, 2013

Chapter 13 Bankruptcy FAQs , a net resource designed specifically for men and women in need of Chapter 13 details and guidance, has been launched by Financial Firebird. The site stands apart from other related sources simply because it delivers customers the opportunity to explore alternatives and discover about options for their financial issues anonymously and treats each bankruptcy and non bankruptcy alternatives equally. Economic Firebirds purpose for this Chapter 13 site is to help the consumer in being fully informed of their possibilities so that they are capable to make the very best selection for their specific economic situation.

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Our primary mission includes delivering free guidance and education. In common we provide a a lot more in depth volume of info than anyone else, stated Mory Brenner, vice president of Economic Firebird. Buyers can effortlessly learn who should file for Chapter 13 bankruptcy. No matter how much our competitors could try to appear that they offer free of charge support, most of the time their motives revolve around enrolling consumers in their own service. We attempt to sustain an independence not found elsewhere with a lot more details than anyplace else.

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Chapter 13 bankruptcy often emerges as the best alternative for several people to think about during a monetary crisis. Nonetheless, bankruptcy options are essential, also, and Bankruptcy Options supplies a Chapter 13 vs. Chapter 7 comparison, as properly as a Chapter 13 calculator and answers to queries, such as what is Chapter 13 bankruptcy. In addition, men and women with debt difficulty discover out about non bankruptcy choices which includes unsecured debt settlement, credit counseling, short sale, deed in lieu of foreclosure, mortgage loan modification and numerous numerous much more.

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The outcome for a customer might be that other bankruptcy internet sites and subsequent consultations gear themselves as sales sessions much more than finding out experiences made to turn a consumer into a bankruptcy client, often with a high stress hard sell. Our internet sites guide the debtor to the very best route for them, explained Brenner. In some situations bankruptcy may possibly be the correct resolution, but we are just as content if we explore bankruptcy with them only to figure out that it does not meet their needs as effectively as an additional option they never knew existed.”

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The site provides a complete selection of answers to queries and a wide range of data, such as Chapter 7 bankruptcy, Chapter 13 bankruptcy, bankruptcy options, how to uncover a bankruptcy attorney, and mortgage foreclosure prevention. Bankruptcy Options is actually the internet site exactly where customers can discover answers to all of their inquiries pertaining to Chapter 13 bankruptcy in the United States. Folks with mortgage payment difficulties or trouble with unsecured debt will uncover Bankruptcy Alternatives to be a resource they will hugely value, all at no charge. Bankruptcy Options educates the consumer so that he or she is able to make the greatest selection based on their own personal financial predicament.

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About:&#13

Chapter 13 FAQs stand as a part of the Bankruptcy Alternatives family of financial details and tools web pages started in 1996 and at present presented by the Monetary Firebird Corporation with a aim of supplying buyers with totally free unbiased aid from a former debt workout and bankruptcy lawyer in selecting the right path to a brighter financial future.

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More Loan Modification Services Press Releases

LoanSafeMods.com: REST Report Aids Property owners Greater Comprehend Their Modification Alternatives

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San Diego, CA (PRWEB) March 23, 2013

LoanSafeMods.com offers help to struggling homeowners by supplying the REST Report, live online help and other useful tools and details. The REST (True Estate Services and Technologies Report) is a third party analytics tool that requires existing information from all offered government and proprietary loan modification applications and runs it against the monetary information submitted by the homeowner.

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The program swiftly analyzes all the information and creates a report showing specifically what the homeowner does or does not qualify for in terms of mortgage modification programs or other foreclosure options.

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Most people go into the mortgage modification process effectively blind. They submit their application, along with their hardship letter, their paycheck stubs and tax records, and anything else necessary to hopefully create a clear image of their economic scenario.

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Nonetheless, they can never ever be positive precisely what the bank or lending institution is looking for. They dont know if they will qualify for the modification or not and considering that they will often not get an answer to this question for several months, they reside in worry that they will be denied their modification and have to settle for a brief sale or deal with foreclosure.

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LoanSafeMods REST Report puts an end to this uncertainty. Inside just 3 days, a homeowner can know exactly what they qualify for and how the bank will view their application. LoanSafeMods.com not too long ago released a quantity of video evaluations from home owners who have been helped by the REST Report, one particular of which is from Linda, a single mother who lives with her young daughter in Oceanside, California.

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Linda struggled for two years trying to apply for a modification. Every 3 months or so she would be asked to resubmit her application, which was very frustrating as it took a lot of work to find all the information and crunch all the numbers again. In her video assessment Linda says:

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“It was so perplexing to me since I had adequate earnings, 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 believe I applied at least three, perhaps four, occasions!”

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She says that she was afraid she would lose her home, and that her and her daughter, who was born and raised in that residence, would have to discover someplace else to reside.

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We had been in limbo the whole time. We had no thought what was going on and it was just scary to believe we’d be out the door anytime.”

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Finally Linda tried the REST Report from LoanSafeMods.com. She says in her video:

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When I initial heard about the REST I wasn’t positive what it was going to be, but I knew I needed to realize the numbers greater due to the fact no one at the bank was explaining it to me.

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She explains how frustrating it was that she kept getting delayed for a single cause or an additional, but her bank which had all the details, wouldnt tell her what the issue was. She continues:

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So I had a REST Report done and I looked at it and it was the first time that the method made any sense to me. It was really beneficial!

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Lastly Linda had some answers. She says I was really excited when I saw that I certified in the REST Report since no a single at the bank would tell me what was going on. And there it was in black and white. The numbers created sense! So it was just a matter of acquiring it to the right individual at the bank and it was a accomplished deal within a couple of weeks!

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Now Linda can afford to maintain her residence at only $ two,100 per month rather of $ 3,000. She ends her REST assessment saying:

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The REST Report saved my day. It produced almost everything excellent for my daughter and myself. Thank you so significantly!

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Lindas story is not special. Thousands of others have found achievement using the REST Report. Discover out a lot more about this really beneficial tool by visiting LoanSafeMods.com.

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Residence Owners Find Mortgage Delinquency Assist With Foreclosure Alternatives

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Corydon, IN (PRWEB) December 27, 2007

The American dream of home ownership is going up in flames for people facing catastrophic increases in interest prices, missed mortgage payments, and tougher qualification requirements that make refinancing not possible for thousands of existing house owners. If you are a mortgage payer facing any or all of the above, then this year pull collectively a plan to save your residence from foreclosure.

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According to Kathleen Rieger, President of Second Opinion Options Group and editor of Credit Rejuvenation a self-assist debt reduction site and newsletter, “Individuals who are possessing troubles qualifying for loans are not often people who have more than-extended their credit card debt. 80% of the men and women I talk to have monetary hardships brought on by life events like extraordinary wellness care expenses, corporate downsizing and natural disasters. All of these conditions lead to men and women to lose jobs, revenue and ultimately, their homes. Also frequently men and women turn to bankruptcy when they cannot make payments. What they fail to appreciate is the impact bankruptcy has on their credit history. It’s far better to arm oneself with choices as an alternative of falling into 10 years of credit rejection.”

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Familiarize yourself with these foreclosure alternatives that can save your house or lessen the effect to your credit history.

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Short Sale &#13

A short sale occurs when a house is sold and the lender agrees to accept a discounted payoff, meaning the lender will release the lien that is secured to the property upon receipt of less income than is truly owed. In other words, if you can come up with enough funds to satisfy the lender, they might settle for less that the full quantity of the loan. For the lender, possessing $ 50K in the hand is far much better than obtaining an empty home that is depreciating daily and for which they have to pay house taxes.

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Quick Refinance

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In a quick refinance, the lender may possibly agree to forgive some element of your debt and refinance the remaining debt into an completely new loan.

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Specific Forbearance

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A forbearance is an agreement produced amongst a mortgage lender and delinquent borrower in which the lender agrees not to exercise its legal proper to foreclose on a mortgage. The borrower agrees to a mortgage plan that, over time, brings the loan present. A forbearance agreement is quick-term resolution for delinquent borrowers. It is made for borrowers who have temporary monetary conditions, like short-term unemployment or health troubles.

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Mortgage Modification

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A mortgage modification is a modification to an current loan created by a lender in response to a borrower’s lengthy-term inability to repay the loan. A lender chooses to modify the loan simply because the expense of undertaking so is much less than the price of default. Loan modifications involve some mixture of:&#13

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Parsa Law Group Educates California Property owners about Alternatives as Foreclosures are Expected to Continue All through 2009

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Orange County, Calif. (PRWEB) April 28, 2009

Six California cities are integrated in the top ten markets in the nation with the highest foreclosures prices during the very first quarter of 2009, according to a current report from RealtyTrac, an on the web foreclosure listing firm. Coupled with the growing statewide unemployment rate, now at 11 percent, and according to MDA DataQuick, an 80 % boost in default notices issued to California home owners in the course of the very first 3 months of 2009, compared to the previous period, foreclosure activity is expected to continue all through 2009.

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“Most people going by way of a foreclosure do not know or recognize their possibilities and as a result miss the chance to save their house through loan modification or bankruptcy,” said James Parsa, founding attorney at Parsa Law Group. “If either of these possibilities are viable, it can maintain a family in their property and aid to keep property values in the neighborhood,” stated Parsa.

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California cites listed in RealtyTrac’s top ten markets with the highest foreclosure prices nationwide contain: Merced (two), Stockton (four), Riverside/San Bernardino/Ontario (5), Modesto (six), Bakersfield (7) and Vallejo/Fairfield (eight). Extra California cities listed consist of: Sacramento/Arden/Arcade/Roseville (11), Salinas (15), Fresno (16), Visalia/Porterville (17), San Diego/Carlsbad/San Marcos (18), Oxnard/Thousand Oaks/Ventura (19) and Los Angeles/Long Beach/Santa Ana (20).

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Parsa Law Group, a law firm focused on providing customer debt relief through loan modification, bankruptcy and debt resolution, has effectively negotiated four,000 loan modifications throughout California and Nevada. The firm, which promotes client education and advocacy, emphasizes the importance of hiring a qualified skilled for these services rather than attempting the do-it-your self technique.

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“As knowledgeable attorneys, we’ve helped thousands of households navigate through the maze,” said Parsa. “We function toward solutions that match every single family’s circumstance and ease the pressure they feel when facing foreclosure, bankruptcy or overwhelmed with debt.”

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About Parsa Law Group&#13

Parsa Law Group is a full-service law firm delivering certified and inexpensive legal representation for these in want of loan modification, bankruptcy and debt resolution solutions. Given that 2008, Parsa Law Group has effectively negotiated loan modifications for four,000 families and holds an A rating with the Much better Enterprise Bureau. For far more data, visit http://www.parsalaw.com, or call 1-800-256-1097.

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Speak to:&#13

Holly Naylor / Jessica Neuman&#13

Concept HALL&#13

(714) 263-8734 / (714) 263-8731

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