Poole, Dorset (PRWEB UK) 28 June 2013
Wills and probate solicitors at Coles Miller LLP are urging people to beware of door-to-door will writers soon after a Poole couple had been charged 16 occasions the standard price for two wills (*).

The Branksome couple are locked into a 5-year contract that will expense them
St. Louis, MO (PRWEB) January 9, 2007
Reverse mortgages, also named Residence Equity Conversion Mortgages, have gained reputation more than the last couple of years, and as a result, have gained more media consideration. Valerie VanBooven RN, BSN, PGCM, lengthy-term care and reverse mortgage expert warns that many recent articles, such as these posted on Bankrate.com and in the Wall Street Journal contain misleading information, and leave out important information about this federally regulated program.

“Some of the most essential elements of reverse mortgages are their capacity to aid seniors in crisis. A reverse mortgage can off-set the astronomical expense of lengthy-term care, and can keep individuals off of Medicaid for longer periods of time, ” states VanBooven.

Some use the equity for extended-term care demands, to pay bills, pay off existing mortgages or debt, spend for prescription drug fees, residence improvements, home modifications, or to basically be in a position to get pleasure from life a little far more by traveling and enhancing their retirement cash flow. Many seniors use reverse mortgages to spend high house tax bills, and have even been saved from foreclosure and bankruptcy simply because they applied for a reverse mortgage.

Other seniors use reverse mortgage proceeds to fund advanced estate arranging strategies. This includes rising the value of their estate by way of life insurance purchases, arranging ahead for future extended-term care demands, assisting grandchildren with college funding, creating charitable donations, and to convert IRA funds to Roth IRA funds, just to name a couple of.

Valerie VanBooven RN, BSN, PGCM (http://www.theltcexpert.com) warns that many newspaper, Tv, radio and internet articles circulating in the media give inaccurate and misleading details about reverse mortgages. According to VanBooven, the so-known as “experts” who are interviewed for quotes usually have no involvement in the mortgage market and do not comprehend the federal law that regulates these loans.

“The media attracts much more readers, viewers, and listeners when they can spin an write-up or report to make it far more fascinating, scary, or dramatic. I would encourage every person contemplating a reverse mortgage to educate themselves by means of reliable internet sites and info, talk with a expert, and then make an suitable decision. Shoppers are capable to make informed decisions when armed with the information,” says VanBooven.

Some websites to assessment consist of http://www.reversemortgage.org , and http://www.fanniemae.com .

Each and every customer need to make it his or her own duty to speak with an professional. Valerie VanBooven has written a tip and fact sheet that addresses all of the myths and misconceptions with regards to reverse mortgages. You can uncover all of the information needed by going to Valerie’s blogs at http://www.seniorserviceselling.com or http://www.theltcexpert.com/website/371/valeries_weblog.aspx

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Tempe, AZ (PRWEB) April 26, 2009
Beauchamp Law Workplace, P.C. desires to send out an immediate alert to people attempting to refinance their house without having the support of an lawyer.

Melanie Beauchamp, owner and principal of Beauchamp Law Workplace P.C., has encountered many folks that have spent hours attempting to save their property without having seeing any benefits. These so called “Application Programs”, “How to Videos” and “Loan Specialist” may possibly look creditable but at the finish of the day they are all just a scam.

Dealing with loan modifications is incredibly confusing, an attorney who genuinely understands state and the federal law can make all the difference.

Even though an person can technically re-modify their loan without the aid of an lawyer in actuality they are put at a large disadvantage from the starting. Not only are Loan Modifications extremely time consuming but can also prove to be mentally straining for a lot of home owners. A lot of occasions an person get bounced from particular person to particular person more than the telephone whilst waiting on hold for hours in hopes of speaking to their lender. If and when an individual gets to the individual they are searching for more than most likely they will finish up with their voicemail.

The Loan Modification approach calls for gathering numerous documents and negotiating and corresponding with the lender, this method can take several months. Right here at Beauchamp Law Office, P.C., we have direct make contact with with the lenders and are able to get via the program faster and faster than 1 could on their own.

Fighting for a residence loan modification can be like going to court one may possibly consider they are saving funds by representing themselves but in actuality legal representation seasoned in arguing and negotiating might get the very best benefits.

Melanie Beauchamp’s legal experience and economics background are the excellent combination of skills to negotiate your existing debt situation to change an individual’s life.

Make contact with:
Melanie Beauchamp, Attorney
Beauchamp Law Office, P.C.
(480) 704-0777

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Fort Lauderdale, FL (PRWEB) June 25, 2010
American Residential Law Group has nowadays given homeowners with troubled financial outlooks a warning about home mortgage scams. These fraudulent applications can bilk homeowners of the very monies necessary to retain ownership of their homes and can result in foreclosure.

The financial distress seasoned by property owners across the country has developed an environment of fear. Home owners underwater are oftentimes willing to jump at any possibility to alleviate the mounting stress of their circumstance. Nevertheless, increasingly, such home owners can be the victims of any number of scams.

One particular of the most frequent difficulties is the bankruptcy scam. This requires filing bankrupt to cease the foreclosure method. Although this does supply an automatic remain, payments will want to be resumed, or the foreclosure will continue.

Yet another scam is the fake government assistance scam. These involve unscrupulous people masquerading as government-sanctioned applications. Remember, you will never have to spend exorbitant costs upfront to make use of government home loan modification applications. Nonetheless, these scammers often call for higher charges paid up front.

However one more scam involves leaseback or acquire-back applications. In essence, you transfer the title of your house to one more individual. This particular person will obtain greater financing and let you reside in the house. Nevertheless, the troubles here are manifold. For instance, you will nonetheless owe the debt on the home. You may possibly also never ever regain ownership of your home and face eviction at the hands of those supposed to be assisting you.

These are only a fraction of the scams unwary home owners can encounter. The ideal option is to seek viable legal help from a organization that has been fighting for the rights of home owners for years.

To understand much more about property mortgage modifications and how American Residential Law Group can be of assistance to you, go to them at http://www.ARLGNow.com.

About American Residential Law Group: American Residential Law Group is a law firm that strives to supply the neighborhood with legal assistance and all the benefits to which shoppers are entitled under the law. With a considerable background in all places of consumer advocacy, American Residential Law Group remains committed to delivering integrity and excellence for their clientele, and rising their quality of life.

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Locate A lot more Loan Modification Press Releases
Fort Lauderdale, FL (PRWEB) July 22, 2010
American Residential Law Group urges property owners facing attainable foreclosure action to be wary of numerous fraudulent house mortgage modification scams. These fraudulent applications can seem genuine, but do nothing to advantage property owners financial conditions.

With the continued financial instability facing the nation, much more property owners than ever just before are faced with the frightening prospect of foreclosure on their homes. One of the most beneficial techniques to alleviate this onerous monetary burden is to modify the home mortgage of these owners. Nonetheless, not all modification applications are produced equal. Some are, in truth, absolutely nothing much more than scams, made to crippled home owners currently-decreased monetary well being.

American Residential Law Group, a long-time advocate for home owners rights, urges home owners facing the prospect of foreclosure to completely check any lender or organization providing house loan modifications.

Possibly the most common scam that can trap unwary property owners is the rent-to-own, or leaseback, choice. In this scenario, home owners are tricked into surrendering the title to their home, with the understanding that they will be in a position to get the home back. However, this usually final results in the total loss of ownership, and the continued debt of the original mortgage.

Another fraudulent property loan modification system consists of fake government modification gives. Frequently, these scammers go to fantastic lengths to appear reputable, even to the extent of building websites that look like government agency sites. American Residential Law Group urges homeowners to be very leery of any company offering such programs, and to acquire the guidance of a legal professional prior to generating any such agreement.

To find out much more about home mortgage modifications and how American Residential Law Group can be of assistance to you, check out them at http://www.ARLGNow.com.

About American Residential Law Group: American Residential Law Group is a law firm that strives to offer the neighborhood with legal help and all the positive aspects to which customers are entitled below the law. With a considerable background in all places of customer advocacy, American Residential Law Group remains devoted to delivering integrity and excellence for their clientele, and growing their high quality of life.

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A lot more Loan Modification Press Releases
Waltham, MA (PRWEB) December 11, 2010
McGeough Lamacchia Realty, Inc., New England’s top agency in Quick Sales, assisting distressed homeowners and their family transition respectfully to a path of economic stability and recovery, announces these days that regardless of the downward market – trends are showing indicators of improvement. McGeough Lamacchia Realty warns of not getting too complacent throughout the vacation season, if your home is in jeopardy of foreclosure.

Each Fannie Mae and Freddie Mac have announced that they will suspend foreclosures and evictions from December 20th to January 3rd. Back in late August and via early October both Fannie Mae and Freddie Mac turned up the heat with foreclosures across the nation. Thousands of houses have been foreclosed on in the course of the six week period. Realtors across the nation strongly shared their concerns about banks not extending foreclosures in an effort to permit enough time for Brief Sales to close. Thousands of homeowners voiced concern following failed attempts at loan modification denials. Consumers were not presented sufficient time to navigate the newly defined waters of HAFA- Residence Affordable Foreclosure Alternative (program created to exit the property via Short Sale or Deed in Lieu of foreclosure). Millions of Americans, who attempted loan modifications and received denial notifications, virtually immediately received foreclosure dates.

Soon after the “Robo Signing” debacle hit in October, it appears that the foreclosures have slowed down. It is eminent nonetheless, right after the holidays, foreclosures will drastically resume. Homeowners who can not afford their homes and who uncover themselves in a negative equity position (upside down) need to have to get aggressive and proactive right away. It is essential that customers do not delay due to the fact of the holidays. They want to aggressively pursue a loan modification, a short sale or a deed in lieu correct away. There are nevertheless too many complacent distressed home owners that are behind and have gotten used to the banks not enforcing the foreclosure and eviction. These days are gone.

Final week Terrance Edwards, Executive Vice President of Fannie Mae, stated Fannie Mae is making use of a Single Track system in loss mitigation which means, they do not instruct servicers to pursue foreclosure if a borrower is functioning on a loan modification. Mr. Edwards accurately stated the fact that borrowers who pursue Loan Modifications, sooner rather than later, are far more likely to succeed. He is right about that and that is the very same case for Brief Sales. We know from our encounter that it is a lot simpler to perform on a Quick Sale when there is not a foreclosure date scheduled.

At McGeough Lamacchia we take a proactive approach working with our consumers to move their house in a brief sale, allowing peace of mind in an otherwise pressure filled situation. It is our purpose to operate with distressed homeowners, clarify their possibilities and typically assist them in selling their properties with dignity via a Quick Sale, commented Anthony Lamacchia, Co-Broker and Owner, McGeough Lamacchia Realty, Inc. We have in depth bank contacts and over 85% of our Short Sales are approved, he went on to share.

About McGeough Lamacchia Realty, Inc.
A complete service Massachusetts real estate agency, at the moment specializing in Quick Sales. McGeough Lamacchias understanding of the Quick Sales procedure, deep relations with lenders, and understanding of the complicated and evolving government response to the mortgage crisis enables property owners to locate efficient and dignified solutions when selling their home. McGeough Lamacchia is based in Waltham, Massachusetts and serves Massachusetts, New Hampshire and Rhode Island. To find out more log onto, http://www.MLRealtyNE.com.

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(PRWEB) March 27, 2012
With many homeowners facing foreclosure and looking for help across America, many worthless services have cropped up with such promises as mortgage elimination or other foreclosure tactics that in some cases are patently illegal. One commonly advertised service is a Securitization Audit.
A number of companies have been pushing forensic loan audits, aka TILA/RESPA audits. Since knowledgeable attorneys and homeowners recognize these audits are basically useless, the “wolves in sheep’s clothing are now peddling, securitization audits.
Mortgage Fraud Examiners Founder Storm Bradford explains: The supposed reason given for a securitization audit is to determine the true owner of a promissory note. Allegedly, with this information, the homeowner can show a court that the party actually foreclosing on a mortgage is not the actual note owner.
However, securitization arguments like, show me the note, assignment, MERS, robo-signing, and so on, generally amount to nothing more than just stalling the inevitable–the homeowner getting booted to the curb. None of these hopeless arguments changes the essential fact; the Court in a judicial state MUST give relief and remedy to the lender or assignee, because the borrower breached the contract. And in a non-judicial states, the private trustee implements a private sale to a buyer without a judges involvement. Nobody ever looks at the issues raised by the securitization audit. So only the uninformed would think a securitization audit could be anything more than useless.
Moreover, if homeowners and their legal counsel really had doubts about who had the legal right to foreclose theyd file whats known as a interpleader action listing everyone who might have a claim, deposit their mortgage payment with the Court, and let the lenders and assignees fight it out. However you never see that, since defaulting homeowners and their counsel really dont care who has the right to foreclose, so long as its not THE bank foreclosing now. Its just about stalling, and lining the pockets of pretender defenders. http://www.veteranstoday.com/2012/03/21/mortgage-fraud-examiners-warns/
As a result, knowing who owns your note is like knowing the earth speeds through the universe at 67,000 miles an hour, its basically worthless information. Nonetheless, as a courtesy to homeowners they can call us and wed be more than happy to show them how to acquire information about the owner of their note for FREE.
Gregory Bryl, a foreclosure defense attorney practicing in Virginia and Florida, explains: most securitization audits that I have reviewed are inadmissible in a court of law; they contain a mere opinion of a layman without personal knowledge (direct experience) as to what happened with a particular mortgage note after closing. Why pay a securitization auditor when you can have your grandmother provide an opinion as to what happened with the note and have her sign an audit report? In reality, in about 95% of all cases, the information supplied by a securitization audit is either already publically available, or it is unavailable to either the homeowner or the auditor. Thus, where a homeowner genuinely lacks this information, an outsiders opinion (in contrast to the banks admission) is unlikely to help.
Thomas K. Plofchan, Jr., an attorney in Sterling, Virginia, who employs the services of Mortgage Fraud Examiners, adds: Ultimately, the only real issue is whether a proper lien has been created with the house as collateral. It is astonishing just how many legal errors, contract breaches, and frauds, can be exposed by a meticulous examination of the mortgage transaction.
Matter of fact, in two recent cases we were able to identify and establish evidence to show the deeds of trust were void. The end result for the homeowners was receiving their respective homes free and clear. So, its quite clear, a thorough examination of the mortgage contract is the ONLY proven method to uncover evidence that could affect the validity of the lien.
Attorneys Bryl and Plofchan, like many attorneys are exposing securitization audits for what they are basically worthless. http://www.nakedcapitalism.com/2011/05/new-homeowner-scam-mortgage-securitization-audits.html and http://mattweidnerlaw.com/blog/?s=securitization+audits&search=Search
Bradford concludes: Undeniably, the only established procedure for a homeowner to obtain financial compensation or their home free & clear is through an in-depth analysis of the mortgage transaction, to identify legal errors, contract breaches, tortious conduct, to include appraisal fraud; and then attacking the loan based on those findings. Regrettably, everything else is just wishful thinking or a scam. http://www.wvrecord.com/news/233771-quicken-loans-on-losing-end-of-3-million-predatorylending-
Mortgage Fraud Examiners is a project of Lex Consulting, LLC, for over 30 years, Lex Consulting has provided litigation support to attorneys, helping them break into new areas of practice, or providing specialized advice for complex cases requiring novel approaches to the law. Due to the housing crisis, Mortgage Fraud Examiners, a team of specially trained legal professionals, was created to provide borrowers and the legal community with comprehensive assistance to help them keep them in their homes.
Mortgage Fraud Examiners
Phone: 800-540- EXAM (3926)
http://www.mortgagefraudexaminers.com