(PRWEB) June 28, 2013
The Law Firm of Pozzuolo Rodden, P.C., Philadelphia Organization Attorneys, announces the upcoming live or by way of webcast seminar titled: The Fundamentals of Beginning a Organization Like Ethics on:
Wednesday, July 10, 2013. 
Exactly where:
Woodbridge, NJ (PRWEB) January 5, 2009
With the New Year approaching, practically everyone is creating health and wealth resolutions and promises about how this year will be much better than the final, especially with absolutely everyone being concerned about the state of the economy.. John Amorison, Esq., a Woodbury, New Jersey attorney knows what your number 1 and quantity two economic resolutions ought to be in 2009.

Resolution #1: Get Credit Repair Obsessed.”

Resolution #two: Consider mortgage modification.

Resolution #1: Get Credit Repair Obsessed: “By performing so, it can truly save a lot of income on month-to-month credit card payments, loans and much more,” says John Amorison, who has been interviewed by noted monetary columnist Liz Pulliam Weston, been a guest on WDEL’s Delaware Stories and EverydayWealth Radio – and in a story on http://www.bankrate.com.

Each and every year, acquire a free copy of the credit report. Amorison then assists shoppers to repair credit problems. He knows that most buyers don’t even comprehend that damaging products on credit reports can be removed after six years. “By merely removing these old things, it will raise the credit score substantially, thereby lowering rates and payment amounts,” says Amorison. Plus, by possessing a higher credit score it supplies the consumer with alternatives as properly as a sense of pride. So there are far more good factors to focus on repairing credit.

John Amorison, Esq., can support to eliminate outdated concerns and mistakes from credit reports and explains to clientele what this implies to their credit score, interest rates on maturing ARM loans and residence equity lines of credit. Fixing credit in a quick period of time is quite doable. Sadly, most customers basically don’t have the time to deal with creditors, writing letters and trying to get a credit report fixed. Attorneys that specialize in credit repair CAN support to do all of the legwork. Right after acquiring a copy of a credit report and reviewing the credit score and blunders.

Resolution #2: Think about mortgage modification: If you have a high-interest adjustable price mortgage (ARM) and are getting close to defaulting on your mortgage, Amorison urges you to consider “mortgage modification.” Believe it or not, your bank doesn’t want you to foreclose, so contact an attorney, like Amorison, who specializes in mortgage modification. By functioning with an lawyer who specializes in this field, you can function out a payment plan arrangement with your bank and assist to save your home!

Amorison says to speak to an lawyer like him who specializes in credit repair and mortgage modification. Save your property and watch your credit score increase.

John has been interviewed with MSNMoney, Bankrate.com, and is a contributor to Geezeo.com. John is booking a January press tour Now. For much more info on John, go to his internet site at http://www.amorisonlaw.com/.

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Discover Much more Loan Modification Press Releases
Hidden Hills, CA (Vocus/PRWEB) February 01, 2011
The recent report by the federal commission on the economic crisis clearly demonstrates how government is allowing banks to evade duty for the crisis and helping banks far more than citizens, according to Mitchell J. Stein, Esq., of MJS Associates.

“As an alternative of serving the interests of the people, this commission and its meaningless report have completed absolutely nothing far more than serve the banks and institutions like Fannie Mae and Freddie Mac that are responsible for producing the issue:, stated Mitchell J. Stein, Esq., a 25-year award-winning litigator, trial lawyer, financier, and entrepreneur who has represented numerous of the worlds largest companies and has been involved in some of the highest profile circumstances in the Nations history.

Rather than supply the bipartisan view of the origins of the monetary crisis mandated by Congress, the panel split along partisan lines and released three competing assessments. The report was released simultaneously with two dissenting reports from the Republican minority. The majority report blamed a range of culprits for the economic crisis from overextended home owners to reckless executives and timid regulators, the minority reports on international variables and government intervention into the housing marketplace.

According to Mitchell J. Stein, Esq., the majority reports conclusions had been vague and meaningless, including findings that human beings, not other elements like nature or technology, have been accountable for the crisis, action and inaction by these human beings was the lead to of the crisis and that the crisis could have been avoided.

This report is a flimsy attempt by Washington insiders and bankers to keep away from blame and evade duty for the mess they have produced, stated Mitchell J. Stein, Esq. The majority reports conclusions are meaningless and utterly useless.

The report includes particulars from more than 700 interviews conducted during an 18-month investigation seeking to clarify the housing bubble that ended badly, triggering a international credit crisis and the worst recession in decades. Media coverage integrated details about the interviews, including those with leaders of investment bank Goldman Sachs Group Inc., government regulators, particularly present and former officials at the Federal Reserve, and executives such as former Countrywide Financial Corp. Chief Executive Angelo R. Mozilo, who final year agreed to spend a record $ 22.five-million fine to settle a government fraud lawsuit over the lender’s near-collapse. Coverage of the report in the Los Angeles Occasions also indicated that Mozilo told the panel he got swept up in a “gold rush” mentality that had taken over the nation.

It is outrageous that the Commissioners permitted Mr. Mozilo to pass the blame onto citizens without having clearly identifying the leading injurious role he and Countrywide played in damaging our economy and hurting millions of home owners, mentioned Mitchell J. Stein, Esq.

According to the Los Angeles Instances, the majority report concluded that “a crisis of this magnitude can’t be the function of a handful of bad actors” and ascribed duty to each organizations and people in company and the government.

We agree with the minority reports that blame ought to be focused on intervention in the housing industry including assistance for Fannie Mae and Freddie Mac and that this report was part of a partisan approach created to make predetermined final results, so its conclusions are inconsequential said Mitchell J. Stein, Esq. It is ironic that soon after all the pain inflicted on our citizens by the economic meltdown, this commission’s investigation and report is just yet another instance of Washington waste.

According to Mitchell J. Stein, Esq., there is constantly a silver lining to the black cloud. “For a lot more than two years for the duration of this meltdown, my mantra has been distinct that I by no means expected the federal government to take duty. I in no way anticipated the banks to take responsibility, although I need to admit after the government doled out the first trillion dollars of TARP funds I believed — if only for a second — that aid was on the way. Then I woke up from my a single-second dream into the nightmare of dealing with criminals, liars and persons forging documents. Having represented these very same banks and their governmental partners for years, I was and am unwilling to enable my customers to turn out to be an additional statistical imbecile who goes by way of the Bank drill of submitting economic info to the bank and then resubmitting it and then resubmitting it and then resubmitting it and then resubmitting it. I have never ever carried out, and nor shall I now do, ‘loan modifications’ simply because that is a term created up by banks to get time until the wave of public sentiment against banks has subsided. So what is the very good news, asked the Doberman? Nicely get ’em in Court,” stated Mitchell J. Stein, Esq.

ABOUT MITCHELL J. STEIN & ASSOCIATES
Mitchell J. Stein & Associates is a California-primarily based law firm founded by M.J. Stein, Esq. a 25-year award-winning litigator, trial lawyer, financier, and entrepreneur who has represented a lot of of the worlds biggest companies and has been involved in some of the highest profile situations in the Nations history. The Firms philosophy is primarily based on the belief that their clientele demands are of the utmost importance and, as a outcome, a higher percentage of the Firms business has been from repeat consumers and referrals. The Firms practice areas include Complex Litigation, Bank Problems, Mergers & Acquisitions, Industrial and Residential Foreclosures , and Bankruptcy Litigation. Mr. Stein is also the founder of VIPS Foundation (Victims of Injustice Discomfort and Suffering), via which victims nationwide, over the final 15-years, have received help following unfortunate events that subjected them to oppression or mistreatment. In that regard, Mr. Stein received the inaugural Mitchell J. Stein Benefactor Award from the National Organization for Victims Assistance (NOVA) for his perform in guarding victims rights. Go to http://www.mjsteinassociates.com or http://www.dobielaw.org for a lot more info.

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Hidden Hills, CA (Vocus/PRWEB) January 20, 2011
Recent revelations that one particular of the nations biggest lenders overcharged thousands of military households for their mortgages, like households of troops fighting in Afghanistan, and improperly foreclosed on a lot more than a dozen military households highlights the extent of the foreclosure crisis and the disadvantages home owners face with no specialist legal help in foreclosure actions, according to Mitchell Stein, Esq. of Mitchell Stein & Associates.

The revelations have been the outcome of a lawsuit filed by Marine Capt. Jonathan Rowles, a fighter jet pilot who has served the nation as a Marine for five years, against JP Morgan Chase soon after he and his wife, Julia, attempted unsuccessfully for numerous years to get a loan modification. The lawsuit has received national focus and brought on a assessment of every single mortgage involving active duty personnel by the bank, which has admitted overcharging the family by as significantly as $ 900 a month, hitting them with three-a-day collection calls and claiming they owed as much as $ 15,000 — even even though they didnt owe something and had never ever missed a mortgage payment.

These committed members of the armed forces would have lost their residences via blatant mismanagement of their mortgages by JP Morgan Chase, said Mitchell J. Stein, a 25-year award-winning litigator, trial lawyer, and philanthropist committed to safeguarding consumers and victims’ rights in reigning in abusive practices of banks, lenders and others. No amount of PR spin and backpedaling can make up for the harm the bank has carried out to the lives of thousands of our service men and women and their families.

Beneath the Servicemembers Civil Relief Act (SCRA), active-duty troops usually get mortgage interest rates lowered to six percent and are protected from foreclosure. A Chase official told NBC News that some four,000 troops could have been overcharged. Whats much more, the bank found it improperly foreclosed on the residences of 14 military families.

Chase could have repeatedly violated the SCRA, which is developed to protect troops and their households from economic pressure although theyre in harms way, said Mitchell J. Stein. It is unfortunate that a lawsuit was needed to get them to act within the law and it is probably we will see this scenario repeated as the foreclosure crisis continues.

The Rowles records show that whilst they had been creating payments at six %, the bank had been charging them at prices above 9 or ten %. They known as the bank repeatedly to explain the error with no success and then the bank started harassing them for funds they did not owe, like threatening to take their property and report them to a credit agency. Following collection calls began occurring at 3 am on weekends, the Rowles sued Chase for himself and other members of the military.

At a time when millions of Americans are fighting for their properties due to foreclosure, this shows how banks and lenders often willfully ignore the law and wrongfully throw individuals out of their homes, and it is especially despicable that Chase treated our servicemen and females this way. Primarily based on what can only be described as a terrible mess, it is reasonable to ask: In addition to the military families, how a lot of non-military households has this bank wrongfully foreclosed on? said Mitchell J. Stein.

The case is Rowles vs Chase Residence Finance, LLC 9:10-cv-01756-MBS

ABOUT MITCHELL J. STEIN & ASSOCIATES

Mitchell J. Stein & Associates is a California-primarily based law firm founded by M.J. Stein, Esq. a 25-year award-winning litigator, trial lawyer, financier, and entrepreneur who has represented a lot of of the world’s largest organizations and has been involved in some of the highest profile situations in the Nation’s history. The Firms philosophy is based on the belief that their customers requirements are of the utmost value and, as a result, a high percentage of the Firms company has been from repeat clients and referrals. The Firms practice places consist of Complicated Litigation, Bank Troubles, Mergers & Acquisitions, Commercial and Residential Foreclosures , and Bankruptcy Litigation. Mr. Stein is also the founder of VIPS Foundation (Victims of Injustice Discomfort and Suffering), via which victims nationwide, more than the final 15-years, have received assistance following unfortunate events that subjected them to oppression or mistreatment. In that regard, Mr. Stein received the inaugural Mitchell J. Stein Benefactor Award from the National Organization for Victims Assistance http://www.trynova.org (NOVA) for his work in defending victims rights. Go to http://www.mjsteinassociates.com or http://www.dobielaw.org for more information.

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Associated Loan Modification Services Press Releases
Hidden Hills, CA (Vocus/PRWEB) January 25, 2011
Facing a national storm of criticism more than therapy of homeowners and illegal mortgage foreclosures, and most lately sued by Arizona and Nevada more than home-loan modification programs intended to maintain property owners who borrowed from its Countrywide mortgage unit out of foreclosure, Bank of America is becoming exposed as a major issue in making the problems property owners face in the ongoing foreclosure crisis, according to Mitchell J. Stein, Esq. of Mitchell J. Stein & Associates.

There is a disturbing pattern of the way Bank of America treats folks getting revealed through consumer feedback and the tremendous amount of negative media coverage, which merely put, is regularly terrible, said Mitchell J. Stein, Esq., a 25-year award-winning litigator, trial lawyer, and philanthropist committed to protecting shoppers and victims’ rights in reigning in abusive practices of banks, lenders and other individuals. It is vital that the behaviors of the banks that have helped develop this crisis get national attention to assist protect buyers, resolve the crisis and recognize the Banks true function in it.

Even though all 50 U.S. states are investigating whether banks and loan servicers used false documents and signatures to justify hundreds of thousands of foreclosures, Bank of America was sued in December, 2010 by Arizona and Nevada over home-loan modification programs intended to hold property owners who borrowed from its Countrywide mortgage unit out of foreclosure. A judgment in 2009 to resolve a lawsuit alleging Countrywide engaged in fraud necessary the Bank create a loan modification system for former Countrywide borrowers in those states.

According to the Arizona lawyer common, rather of working to modify loans on a timely basis, Bank of America apparently proceeded with foreclosures while borrowers requests for modifications were still pending, mentioned Mitchell J. Stein, Esq. This is yet another of several examples in the foreclosure crisis of Bank of America allegedly ignoring the law to pursue earnings above people.

In the Arizona and Nevada suits, the bank is accused of misleading shoppers about needs for the modification system and how extended it would take for requests to be decided. The bank supplied inaccurate and deceptive reasons for denying modification requests, according to the suits.

From throwing peoples belongings into the street throughout wrongful foreclosures to foreclosing on homeowners operating for loan modifications, there is a typical and despicable lack of consideration by the Bank for its buyers, specifically men and women in jeopardy of becoming evicted since the Bank repeatedly doesnt fulfill its legal responsibilities in dealing with them and their mortgages, mentioned Mitchell J. Stein, Esq.

The Arizona lawsuit seeks a court order holding the bank in contempt for violating the agreement and requiring it to pay as considerably as $ 25,000 for every single violation of the accord plus as considerably as $ ten,000 for each and every violation of the states customer-fraud law. Nevadas complaint seeks unspecified civil penalties and restitution.

The Arizona case is Arizona v Bank of America, CV2010- 33580, Maricopa County Superior Court (Phoenix). The Nevada case is Nevada v. Bank of America, Eighth Judicial District Court, Clark County (Las Vegas).

ABOUT MITCHELL J. STEIN & ASSOCIATES
Mitchell J. Stein & Associates is a California-based law firm founded by M.J. Stein, Esq. a 25-year award-winning litigator, trial lawyer, financier, and entrepreneur who has represented many of the world’s biggest organizations and has been involved in some of the highest profile circumstances in the Nation’s history. The Firms philosophy is primarily based on the belief that their consumers needs are of the utmost value and, as a result, a higher percentage of the Firms enterprise has been from repeat buyers and referrals. The Firms practice places include Complex Litigation, Bank Difficulties, Mergers & Acquisitions, Commercial and Residential Foreclosures , and Bankruptcy Litigation. Mr. Stein is also the founder of VIPS Foundation (Victims of Injustice Discomfort and Suffering), via which victims nationwide, over the last 15-years, have received assistance following unfortunate events that subjected them to oppression or mistreatment. In that regard, Mr. Stein received the inaugural Mitchell J. Stein Benefactor Award from the National Organization for Victims Help (NOVA) for his work in safeguarding victims rights. Go to http://www.mjsteinassociates.com or http://www.dobielaw.org for much more info.

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Calabasas, CA (Vocus/PRWEB) February 10, 2011
Recent media coverage and Internet postings accusing mortgage litigation services of tactics of associating with law firms like Kramer & Kaslow are part of a nationwide trend of unauthorized use of trademark and unauthorized practice of law. These tactics are predatory scams misleading consumers who can be helped with their foreclosures by seasoned litigation attorneys, according to Philip A. Kramer, Esq. senior partner of Kramer & Kaslow, LLC.
A post on the RainCityGuide blog, entitled, New Predatory Scam: Mortgage Litigation Services, described the authors receipt of an email marketing piece promising anyone including non-attorneys a turnkey system that allows you to start offering mortgage litigation to homeowners in days working out of your house The marketing piece promised huge profits for those individuals who signed up, for which little or no work would be required. In the post, the author described howthe subprime lending industry barfed out hundreds if not thousands of loan originators in 2008 who had a taste of the six figure lifestyle and didnt want it to end. The predators quickly swarmed into the loan modification industry and when state regulators started clamping down, they morphed into the new industry of non lawyer mortgage litigation scheme.
According to Philip A. Kramer, Esq., these acts are violative of the State Bar Act, the California Rules of Professional Responsibility, the Racketeer Influenced and Corrupt Organizations Act, and various State and Federal criminal laws.
We are sending out cease and desist letters and will vigorously pursue any and all individuals to demand they stop the unauthorized use of the name and likeness of Kramer & Kaslow, Philip A. Kramer Esq. and all associated proprietary images and real and intellectual properties. Homeowners who work with our team of authorized legal experts listed at Kramer & Kaslow are getting the best opportunity to resolve their problems and keep their homes, said Philip Kramer, Esq. whose practice emphasizes commercial litigation and trial advocacy, with a concentration on franchise law, banking litigation, and real property matters. Philip Kramer, Esq. has also served as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator and has tried more than 200 cases. He has appeared on numerous nationally televised programs as an expert in pre-trial procedure and trial strategy and as a guest lecturer on topics ranging from constitutional law to trial practice. Philip A. Kramer, Esq. is perennial honoree as a Super Lawyer by Los Angeles magazine.
At Kramer & Kaslow, we help families avoid foreclosure thru our litigation services and expertise. Our objective is to help homeowners with an affordable solution for staying in their homes, said Philip A. Kramer, Esq. Despite the predators, it is important for consumers to remember there are skilled and experienced attorneys at Kramer & Kaslow who are helping people in need.
According to Philip A. Kramer, Esq., only attorneys authorized by the Firm are true and actual participants in the Firms current cases. Each of the Firms attorneys must be a in good standing as part of a professional law firm, complete a comprehensive application including qualifications and complete financials, undergo a review of their actual work location and a background check, participate in a 3-day training course and integrate their work on these cases into the Firms systems for checks and balances.
Current high-profile cases filed by Kramer & Kaslow in Superior Court of the State of California and County of Los Angeles include:
Queens, NY (PRWEB) May 08, 2013
The Federal Housing Finance Agency announced that it is extending the Home Affordable Refinance Program (HARP) through December 31, 2015. HARP was set to expire at the end of 2013. As a bankruptcy lawyer in Queens, New York, Bruce Feinstein, Esq. answers many clients questions about their homes and how to keep them during financial strife. Oftentimes their houses are underwater, or worth less than the amount owed on their mortgage, and HARP can be a valuable source of aid.
Mr. Feinstein explains that programs like HARP help owners with mortgages through Fannie Mae and Freddie Mac refinance their home loans. Certain criteria need to be met before assistance can be given. Fannie Mae or Freddie Mac must own the mortgage in question, and it needs to be from before May 31, 2009. The homeowner must also be up to date on mortgage payments, and the current loan-to-value ration needs to be larger than 80%.
Individuals who qualify for HARP can refinance for a mortgage with a lower interest rate, lower payment, or even a shorter mortgage period. This alleviates much of the pain associated with an underwater home. The FHFA extended the program because it knew that HARP helped both troubled homeowners and lenders. According to a recent article on HousingWire, as of January 2013 over 2.2 million borrowers have refinanced using HARP since it began in April 2009.
While this is great news for those involved with Fannie Mae or Freddie Mac mortgages, there are still many homeowners who dont qualify. Mr. Feinstein says that there are options avilable to those who are at risk for foreclosure or repossession. Chapter 13 bankruptcy will stop foreclosure proceedings and give the homeowner the opportunity to create a new payment plan and keep their home. A loan modification will change the terms of a mortgage in order to make the loan payments more affordable and avoid foreclosure. Or the homeowner can go through a short sale, in which they agree to sell the property for less than the remainder due on the mortgage, with the proceeds going to the lender.
There are various options available to people struggling with mortgage payments. Fortunately, HARP will be around through 2015 to offer more assistance to homeowners. And other options ranging from filing for bankruptcy to applying for loan modification can help at-risk homeowners. Every case in unique, so Mr. Feinstein recommends working with an attorney to find the best financial solution.
Bruce Feinstein, Esq. has worked with hundreds of individuals to help them avoid foreclosure. Mr. Feinstein and his team, located in Queens, New York, work with clients throughout Kings, Queens, and Nassau counties. Visit the Law Offices of Bruce Feinstein, Esq. at http://www.bfeinsteinesq.com or call (718) 514-9770 to reach his New York office.