United Law Group Assists Joseph Pieciak to Fight for His House


Irvine, California (Vocus) October 15, 2009

Joseph Pieciaks story reads like that of so many other individuals. When the housing bubble burst he lost 1/3 of his earnings. He kept his position in study and improvement for a fastener business but lost the overtime and bonus opportunities, which hed been utilizing to make his monthly mortgage payments. Fearing foreclosure on his house, this father of four contacted his lender straight. Months of the run-about convinced him that he needed an attorney.

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I began functioning with United Law Group when I realized that I wasnt going to get anywhere with my bank, mentioned Pieciak. The firm did a great job. They got my lender to respond and even worked out new terms on my loan. Regrettably, the lender is now telling me that they lost my paperwork and cant honor the terms. I dont know if its inefficiency or anything a lot more insidious, but they cashed my verify and lost the paperwork that was sent in the exact same envelope.

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Initially told he didnt qualify for a modification since he wasnt behind in his payments, then due to the fact his hardship was as well extreme, Pieciak and his wife downsized their life style and did what they could to make their payments When his wife lost her job as a waitress four months ago, they went down to one car. The couple has completed what it could considering that then to place food on the table for the loved ones whilst waiting on the bank to make a selection.

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I went back and forth with the lender on my personal at the starting, but they didnt make it effortless to comprehend their procedure, says Pieciak. I attempted repeatedly to function with the bank then turned to United Law Group.

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Joseph Pieciak retained United Law Group four months ago, mentioned Robert Buscho, lawyer for United Law Group. We worked with this loved ones to present a package to Bank of America that met the lenders documentation needs. Our a single purpose was to assist the Pieciaks get the terms of their loan changed so the loved ones could maintain their property.

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United Law Group is a top national law firm that litigates circumstances against banks and lenders to aid troubled property owners. The firm pursues every single offered legal channel when helping households, like the Pieciaks, who have been victimized by predatory banking practices.

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United Law Group proved itself in the course of this method, mentioned Pieciak. They kept us informed about the status of our case and celebrated with us when we believed wed secured a modification. I cant say adequate about their professionalism and integrity. I just want I felt the same about my lender. If we drop this property at least we know we did our greatest.

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United Law Group continues to fight on behalf of the Pieciak family and others like them.

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About United Law Group&#13

United Law Group is a national law firm with offices in California, New York, Florida, Ohio, Nevada &amp Arizona. The firm represents customers in complex litigation regarding abusive banking practices, breaches of contract and violations of state and federal laws. United Law Group also litigates cases involving bankruptcy, IRS settlements and debt settlements in state and federal courts across the nation. Employing a team of prime-notch attorneys, United Law Group leverages leading-edge technology to manage situations, help investigative efforts and guarantee correct, frequent communication with its clients. It puts collectively class action lawsuits when necessary in order to provide the ideal legal counsel to people who might not be in a position to resolve their troubles without having representation.

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For additional data on United Law Group, check out: http://www.UnitedLawGroup.com or contact Corvi Urling, Executive Consultant for United Law Group at (800) 680-5717.

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Colorado Bankruptcy Attorneys Launch Weblog, Fight Just Like an Old Married Couple


Denver, Colorado (PRWEB) October 15, 2009

Married Colorado bankruptcy attorneys Gailyn and Michael Wink , co-founders of Wink &amp Wink, P.C., not too long ago began blogging about customer rights, Colorado bankruptcy law news and commentary, and the joys of working with your spouse on “He Stated, She Stated”.

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“The blog is a resource for our customers and peers interested in understanding far more about Colorado bankruptcy law and recovering from economic distress,” mentioned Michael Wink, co-founding lawyer at Wink &amp Wink. “The weblog also represents an opportunity for readers to find out about our individual thoughts and opinions on problems connected to bankruptcy such as loan modification, underwater mortgages, foreclosures, life insurance, as nicely as 401(k)s, IRAs, and other sorts of retirement accounts. We hope the weblog will aid people obtain point of view on their monetary scenario and an understanding of how bankruptcy can assist them both in the close to term and more than the long run. “

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Wink &amp Wink is one particular of the more accessible bankruptcy law firms in Colorado. In addition to blogging, each Michael and Gailyn have active Twitter accounts and a enterprise page on Facebook.

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Probably even more wonderful is the truth that each Michael and his wife and co-counsel, Gailyn Wink, are offered on their private cell phones any time of day.

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“We take our client relationships seriously,” Gailyn mentioned. “We believe this will turn into even a lot more evident when our customers study our weblog and see that we are devoted to educating them on how bankruptcy law and related subjects apply to their economic scenario. It may be fun for them to see how Michael and I rib each other, as well.”

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Wink &amp Wink customers are located all through Colorado and variety from men and women to tiny organizations who have suffered from monetary distress due to job loss, divorce, illness and related medical bills, the failing economy, and other obstacles. They offer you cost-free consultations for new customers.

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To read this exclusive Colorado bankruptcy lawyer blog, pay a visit to Winkandwink.com/blog. Michael and Gailyn encourage comments and guest weblog posts from other legal bloggers as well.

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About Wink &amp Wink, Computer

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Wink &amp Wink, Computer is a tiny, family operated law firm with an emphasis on counseling people and modest companies in bankruptcy matters. The firm is distinctive in that they develop a private connection with each client guaranteeing each choice is created with confidence. Michael Wink, Esq. and Gailyn Wink, Esq. specialize in Chapter 7 and Chapter 13 bankruptcies and their combined knowledge covers the law as nicely as finance and company. Based in Denver, Colorado, Wink &amp Wink provide free consultations to people and firms throughout Colorado. For much more details, go to WinkandWink.com.

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Distressed Home Institute Partners with Austin Habitat for Humanity to Fight Foreclosure and Promote Stable Homeownership

Austin, Texas (Vocus) December eight, 2009

In assistance of the Austin community and its aim to give real options to property owners nationwide, the Distressed Property Institute, LLC announced these days its partnership with Austin Habitat for Humanity and assistance of an Austin Habitat home build. The Institute trains genuine estate experts in the tools and solutions offered to homeowners facing foreclosure, such as quick sales, and confers the Certified Distressed Home Expert

U.S. Sen. Barbara Boxer Provides to Support Homeowner Fight Etrade, an Affiliate of GMAC Save Her Home

Emeryville, CA (PRWEB) August ten, 2010

U.S. Sen. Barbara Boxer has supplied to help an Oakland homeowner in attempting to stop an Aug. 19 scheduled foreclosure auction of her property. Its the last option in an 18-month good faith battle longtime Oakland homeowner Odilla Sidime has waged to get her mortgage modified only to have Etrade, an affiliate of GMAC apparently drop documents, misplace documents and stall her as the mortgage company proceeded with foreclosure plans.

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I am committed to maintaining people from losing their properties.If your monetary institution is federally regulated, my workplace would be content to assist you individually by drafting a Congressional inquiry on your behalf and submitting it to the economic agency that regulates your lender, U.S. Senator Barbara Boxer wrote in a recent e-mail to Sidime. If your lender is regulated by a state agency, your correspondence will be forwarded to the proper state regulatory agency.

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Its a lengthy shot but all Sidime has left. She has attempted to resolve the matter by following the loan modification suggestions and submitting full loan modification applications several times only to have Etrade reject the applications with unsubstantiated and vague explanations.

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The lenders claim home owners are ignoring their communications and failing to offer comprehensive documentation but I am a living witness that, even though Ive followed their requirements precisely, their loan processing technique is dysfunctional or else they are not negotiating with property owners in very good faith, Sidime mentioned. If my mortgage were modified to reflect my residences present value, I could afford to preserve this home I really like and have invested in for several years. But Etrade would rather collect payments from private mortgage insurance coverage, reap the tax positive aspects, then auction my property off to the highest bidder. Lenders claim property owners arent getting truthful but in my case Etrade has been untruthful. The heartbreaking factor is theres really nowhere else I can turn considering that Etrade does not have to comply with the federal governments loan modification plan. Its all voluntary on their element so they have no incentive to perform with homeowners.

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Because April 2009, Sidime has been sending documents to Etrade and GMAC – after she started to expect her revenue would fall brief. After becoming denied modifications twice, an Etrade representative told her she would not be deemed for a modification till she missed 3 mortgage payments. So following Etrades directions, she stopped paying on her mortgage at the end of 2009. On April 2, 2010, Etrade notified Sidime her property was getting foreclosed on for nonpayment.

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Etrade continues to misdirect and stall her. They have notified her that documents were not received regardless of getting confirmation of certified mail deliveries and faxes. Etrade officials also noted that occasionally documents are misfiled in the incorrect clients files and instructed Sidime to consist of her name and account quantity on each and every single web page submitted which she did, only to have Etrade once again claim failure to obtain enough documentation.

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In the fifth round, Sidime was told her account had been put on hold for evaluation on July 20 and that all necessary documentation had been received as of July 7, only to obtain a letter dated July 22 stating the modification was denied a fifth time because Etrade had not received all the requested documents.

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Most lately, four days soon after Sidime repeatedly faxed and emailed over 125 pages like a modification application and supporting documents, Etrade notified her that her request had been denied since Etrade in not a participant in the Property Cost-effective Mortgage Program (HAMP) and she earned insufficient income to qualify for a standard modification.

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For far more specifics of her fruitless interactions with Etrade, go to her weblog at countdown2foreclosure.com.

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Brookstone Law Fights For Orange County Law Enforcement Professionals Who Fight For Us


Newport Beach, CA (PRWEB) January 3, 2011

The work of law enforcement specialists at times requires serving eviction notices to foreclosed property owners, but those who serve hardly ever think about they would be the ones being served and facing eviction.

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That was the case not too long ago when Gerardo and Keryn Oseguera, two local married law enforcement experts who had full-time jobs serving the neighborhood for a lot more than 27 years, found themselves facing alleged wrongful foreclosure by one particular of Americas largest mortgage lenders.

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Their foreclosure was delayed only by a brief moratorium on foreclosures and might be overturned by means of the function of Brookstone Law Computer. With offices in Newport Beach, CA and and Ft. Lauderdale, FL, Brookstone Law is involved in active investigations of the banking crisis which includes instances all through the nation exactly where customers are taking the banks to process for unlawful lending practices.

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The moratorium was brought on by the nationwide controversy more than administration of loan documents that brings into question the ownership of thousands of mortgages and, according to court documents, featured a Bank of America witness testifying to consistent illegal administration of loan documents from the Bank to mortgage lender Countrywide. (John T. Kemp, Kemp v. Countrywide House Loans Inc., 08-02448, U.S. bankruptcy Court for the District of New Jersey). Ironically, the originator of the Osegueras loan, is now a subsidiary of Bank of America.

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We did everything by the letter. We were not asking for principal reduction, just to be in a position to afford the payments. All we want is for our kids have a roof more than their heads and get some certainty in our lives, stated Gerardo Osegura.

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Brookstone Laws analysis of the couples loan documents has revealed that the lender reported the couples combined revenue at twice the actual amount, permitting the Osegueras to get a loan for which they have been not qualified and could not afford. Brookstone identified that the lender also changed the total amount and term of the loan and, in performing so, left the couple unaware they were facing bigger debt than they could afford a total debt they did not discover until following the lender went out of organization and were served notice of foreclosure.

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In 2009, when the couple realized adjustments in their loan would improve month-to-month payments beyond their ability to afford them, they contacted the lender to request a modification. But primarily based on the incorrect info in the documents, when they applied for a loan modification and in spite of good credit and safe complete-time jobs they have been turned down three occasions. Over the course of two years, they exhausted each and every available alternative to modify their loan without accomplishment.

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Brookstones function has created us a lot more hopeful right now than we have been in years, Osegura mentioned.

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As reported throughout national and international media, the issues banks and lenders have triggered by improper administration of loan documents has been a major factor in the nationwide foreclosure crisis.

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The nationwide bank crisis is brought on by foreign money entering our economy, which not only violates the Patriot Act and raises the possibility that an overwhelming majority of the loans issued from 2004-2008 are not excellent, said Vito Torchia, Jr., managing attorney of Brookstone Law.

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Because it is so challenging for mortgage holders to have achievement dealing with banks, lenders and mortgage adjustments, Brookstone Law has been at the forefront of guarding the rights of mortgage holders in the crisis.

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More than ever prior to, shoppers need professional legal aid to defend their rights when they deal with corporate banks, mortgage lenders and institutions like Bank of America. The Osegueras story is sadly typical and reveals how some banks and lenders make the challenges that mortgage holders face as they try to keep away from foreclosure nearly insurmountable, stated Torchia. We are devoted to helping these who are facing wrongful foreclosure and fighting for the first responders, military and community servants who fight for us.

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About Brookstone Law, Pc&#13

Primarily based in Los Angeles, with offices in Newport Beach, CA, and Ft. Lauderdale, FL, Brookstone Law, Pc, is a law firm comprised of attorneys with expertise and achievement in company, corporate and individual finance, employment, entertainment &amp media, art &amp museum, intellectual home and real estate law. The firm has a network of far more than 40 affiliate attorneys nationwide and employs very educated specialists, paralegals, paraprofessionals and administrative staff dedicated to serving our clientele. For details, get in touch with (800) 946-8655 or go to http://www.brookstone-law.com.

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More Loan Modification Press Releases

Hartford Dunn LLP Joins Partnership with Nations Leading Law Firms and Attorneys to Fight Banks


Calabasas, CA (Vocus/PRWEB) February 18, 2011

Hartford Dunn, LLP has joined partnerships with major attorneys and law firms throughout the nation to offer revolutionary mortgage litigation services to assist home owners fight foreclosures, it was announced right now by Mike Riley, senior companion of Hartford Dunn, LLP.

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Hartford Dunn, LLP has designed an innovative, proprietary, turn-important program that permits attorneys to supply mortgage litigation as a readily accessible remedy for their customers in a matter of hours. The Firm works directly with the most skilled and aggressive lawyers in the country to fight banks on behalf of buyers, supply complete backend solutions needed to help litigation and offer extremely-responsive customer service.

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The bottom line for home owners is that loan modifications dont work and they require professional legal help to fight for their rights with banks and lenders. It is critical to keep in mind that when banks modify a mortgage, they should minimize the value of the mortgage asset on their balance sheet, which could trigger audits from regulators like the FDIC and might result in the bank becoming insolvent, said Riley. One particular of the principal causes for our superior partnerships and legal actions is that banks and lenders do whatever they can to benefit themselves at the expense of customers and property owners. Hartford Dunn was founded to address the most crucial issues of our time, the first of which is the banking crisis and protecting home owners and customer rights.

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Hartford Dunn LLP has established an exclusive connection with Mitchell J. Stein, Esq. particularly pertaining to the current landmark case Paul Ronald et al v Bank of America et al (Los Angeles Superior Court Case No. BCV409444). Mitchell J. Stein, Esq. is 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 other folks.

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Functioning with partners throughout the nation, Hartford Dunn is also preparing to participate in more than 25 upcoming actions against banks.

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With Hartford Dunn, our partners and their customers know they are working with the only firm authorized to participate in the Ronald case and that they are not operating with firms who are not authorized to participate in that case, stated Riley. We think the Ronald case represents one of the most important problems of our time, and that the banking crisis of the new millennium is the outcome in massive element of banks accepting foreign investment unlawfully and employing that cash to ruin the American mortgage system.

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According to Riley, Hartford Dunn LLP partners represent the cream of the crop in litigation attorneys and law firms from about the nation. Our attorneys and partners have come collectively as the ideal of the best to assist consumers and eradicate the confusion in the marketplace brought on by non-legal firms that more than guarantee, banks that mislead and others who misrepresent their potential to participate in the Ronald case, which is exclusive to Hartford Dunn, he said. Some of the our partners come from massive cities and some from small towns, some have studied as Rhodes Scholars and other people have played in jazz clubs, written books, served in the armed forces, built companies and numerous have earned the highest recognitions and honors their profession can offer. All our partners possess each legal acumen and true-globe experience.

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Amongst Harford Dunn LLPs outstanding, industry-top companion attorneys and firms are Brookstone Law, Pc, and Lanza &amp Smith, PLC from California, Guldenschuh &amp Associates from Georgia, Jon D. Pels, Esq., Lawrence J. Anderson, Esq., Justin M. Reiner, Esq. and Jennifer Schiffer, Esq. from Maryland, Cuneo, Gilbert &amp LaDuca, LLP from Washington DC, Frydman, LLC and Susan Chana Lask from New York, Cohen &amp Malad, LLP Class Action Attorneys from Indiana, Law Offices of Christie Arkovich from Florida, Law Offices of Heather Boone McKeever from Kentucky, E. Craig Smay, Esq. &amp John Christian Barlow from Utah, Friscia &amp Associates from New Jersey and Lauren Paulson from Oregon.

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Hartford Dunn LLP attorneys and partners will aggressively use the leverage of lawsuits to get results and fight for shoppers. With mortgage litigation from Hartford Dunn LLPs professional legal group, property owners will have attorneys defending their rights in the court and banks will no longer have the energy to make decisions as to what home owners will get.

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We think banks are vilified in todays society and for great cause. If bank litigation goes to a jury trial, banks will be held accountable for the many negative mortgages they underwrote and the lack of responsiveness they have shown in supplying financial relief to the property owners who they victimized, said Riley.

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According to Riley, primarily based on the behavior of the banks and the present economy, trial lawyers are at the moment where considerably of the American public is turning for help. Many legislators and specialists think litigation might be the only alternative and that it represents the very best way to shield property owners.

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The final two years have demonstrated that banks are dragging their feet hoping home owners get frustrated with the approach and give up, mentioned Riley. The Government advanced much more than $ 1 trillion in TARP funds so that the banks would not drag their feet, but rather, the banks took the cash and began acquiring land and not assisting homeowners. The only thing that has kept their land grab from reaching epidemic proportions is the participation of trial lawyers like those functioning with us at Hartford Dunn LLP who are operating tough to make sure the banks do the proper thing by buyers.

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For home owners, the rewards of mortgage litigation contain the filing of a lawsuit that motivates action by their lender, the possibility of that lawsuit resulting in an reasonably priced solution for the homeowner and real results that defend their residences, and the participation of aggressive and skilled attorneys representing them that requires power from the banks and gives responsibility for judgments to the courts.

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Due to the fact banks reserve the appropriate to rescind modifications, even these homeowners who get them are at a total disadvantage, which is why it is so quite critical to get specialist legal counsel to deal with the banks, mentioned Riley. Banks no longer have a monetary incentive to modify mortgages and would rather foreclose on a home and liquidate it at a time of their selecting instead of providing a modification. The banks lender will inform home owners lies such as, They are a scam! and You should demand your money back. We can do this for you for cost-free which tends to make the method even far more frustrating for the homeowner simply because banks want them to give up.

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Hartford Dunn LLP focuses on supplying higher-good quality customer service and a diverse portfolio of services for attorneys and law firms particularly developed to resolve their clientele economic concerns. Based on the clientele preferences, Hartford Dunn LLP attorneys will try to settle for principal and rate reductions or present the clients case to a jury and to get the mortgage free and clear.

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A lot of of the players at present in the litigation sector mislead property owners exactly where to get precise data on cases and leads to men and women getting scammed by firms that are not law firms and law firms that are not authorized to be a component of the Ronald case, said Riley. Our exclusive function with Mitchell J. Stein, Esq. on the landmark Ronald case is probably to alter all of that forever.

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ABOUT HARTFORD DUNN LLP&#13

Headquartered in Calabasas, CA, Hartford Dunn LLP supplies a diverse portfolio of solutions for attorneys and law firms particularly developed to resolve their customers monetary concerns using a proprietary, revolutionary, turn-crucial program that permits attorneys to offer mortgage litigation as a readily accessible answer in

How to Fight Foreclosure With out Compromising Your Price range or Privacy

Silicon Valley, CA (PRWEB) April 6, 2011

When Bank of America rejected Carla Ghosns request for a mortgage restructure right after she had waited for seven months and spent hundreds of dollars putting her application with each other, the Silicon Valley entrepreneur decided to take matters into her own hands. She sat down and learned every thing she could about President Obamas House Cost-effective Modification Program (HAMP) and private loan modifications, and how banks and their underwriters choose on regardless of whether to quick sell, foreclose or simply modify a home owners loan. Then, armed with a laptop engineering degree and an MBA from Wharton, and with the guidance of tech gurus such as Jelli CTO and co-founder Jateen Parekh, she created what she envisions to be similar to the TurboTax application, but for loan modificationsthe Caal system.

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As opposed to other services that cost thousands of dollars and that require home owners to perform with lawyers and consultants in restructuring their loans, Caal walks users via an effortless yet complete prequalification procedure. This includes filling out a economic worksheet that will automatically calculate and decide if they are eligible for a loan modification, utilizing an algorithm primarily based on the U.S. Treasury Dept.’s HAMP qualifier. If customers arent eligible, the Caal method will supply them with 4 alternative loan scenarios (ranging from 30-year to 40-year loan terms). Caal will also soon be launching hyper-interactive functions that would permit users to modify the diverse variables in their monetary profile (i.e. loan balance, escrow amounts, salary, loan terms, debt and costs) to see which equation would qualify them. Furthermore what tends to make Caal actually distinctive is its privacy safeguards: Customers dont even have to input their name or social safety quantity, and what ever data they put in wont be shared with advertisers, making sure unbiased outcomes.

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Ive attempted other loan modification sites, and several of them just want to sell you costly counseling solutions soon after you sign up, says Carla. I havent discovered 1 business that permitted me to merely enter my financial data to see if I prequalify, so I decided to develop my own. Operating a restricted time supply at an affordable price tag of $ 98 (discounted from $ 198), Carlas loan modification application is currently being supplied for cost-free to the initial one hundred users to register on the Caal website.

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Caals aim is to give homeowners like me with an truthful evaluation and important savings, and to improve their chances at monetary freedom by providing them insight into the very same calculation process used by their lenders, says Carla. Once home owners realize how they qualify below distinct loan scenarios (for instance, their current mortgage payment need to be higher than 31 percent of their gross month-to-month earnings for them to qualify under the HAMP), theyll have far more realistic expectations and will be in a position to negotiate greater with their lenders to arrive at a mutually-useful answer. Proof that Caal performs? Carla utilised it to reapply for a loan modification, and Bank of America approved her request.

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About Caal, Inc.: Caal is a disruptive on the web real estate financing organization that saves home owners valuable time and cash by prequalifying and preparing them for loan modifications.

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Organization Make contact with: Carla Ghosn CarlaGhosn(at)mycaal(dot)com

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Kramer-Kaslow: Homeowners Fight Back with a Massive Lawsuit Against Wells Fargo/Wachovia (WELLS)


Calabasas, CA (Vocus/PRWEB) April 16, 2011

Philip Kramer has filed a mass joinder lawsuit against Wells Fargo/Wachovia (WELLS) (Nelson v. Wells Fargo, Superior Court of California, Superior Court of Los Angeles, case number: BC 452 264) in what is potentially the most considerable and precedent-setting legal action taken against lenders as a result of the national foreclosure crisis, it was announced today by Philip Kramer, Esq. of Kramer &amp Kaslow.

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The firm has filed suit on behalf of a mass joinder of plaintiffs looking for damages and injunctive relief as a result of what it calls the bank’s fraud and multiple violations of Nearby, State, and Federal consumer protection laws. Relief is getting sought for fraud, to stop the illegal sale of plaintiffs properties, to force the bank to cease and desist from their conduct, as nicely as to seek compensatory damages on behalf of the plaintiffs.

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Mr. Kramer says that the lawsuit alleges WELLS FARGO perpetrated a massive fraud, also constituting unfair competitors upon borrowers that devastated the values of their residences, resulting in the loss of net worth even as Wells Fargo enriched itself by knowingly promoting financial instruments primarily based on a worth the bank knew to be unwarranted. Mr. Kramer also claims that Wells Fargo further intended to deprive many rights and treatments for the issues they caused the borrowers and believes that the harm carried out to the plaintiffs is exceeded only by the scale of the banks conduct as asserted in the plaintiffs suit.

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According to court documents, the lawsuit claims the Bank disregarded underwriting requirements and implemented a massive fraud that was concealed from borrowers and other mortgagees on an unprecedented scale. The lawsuit alleges that, as a result of the Banks actions, borrowers lost equity in their homes, their credit ratings and histories have been destroyed and they incurred unnecessary fees and expenditures.

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Mr. Kramer says that the lawsuit challenges the fraudulent and illegal use of MERS in connection with the loans and mortgages, as well as the defendants failure to perform their obligations pursuant to accepting TARP funds.

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The lawsuit’s filing coincides with a current decision in a class action suit in Maryland that invalidated far more than 10,000 foreclosure cases managed by Wells Fargo Mortgage because affidavits in the situations have been signed by a Wells Fargo robo-signer who, according to court documents, attested to the authenticity of foreclosure documents with out any knowledge about them, as well as signing other false statements in the case Manson v. Wells Fargo Mortgage LLC, 08-cv-12166, U.S. District Court, District of Massachusetts (Boston).

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Philip Kramer of Kramer &amp Kaslow has also filed suits against Bank of America/Countrywide, JP MORGAN Chase/Washington Mutual, GMAC, A single West/Indymac, and Citibank which have all allegedly defrauded hundreds of thousands of home owners. These situations are now going national. Philip Kramer and Kramer &amp Kaslow attorneys have invoked laws and procedures the banks were previously unaware of.

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I am convinced that for the 1st time that aggrieved property owners are going to get a fighting opportunity, says attorney Philip Kramer. Until now, the banks have had their way, using and abusing the program at the expense of distressed property owners across the nation. Now, following years of abusing home owners and the higher public, the bank bullies are getting a good stiff legal punch in the nose.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior companion of the Law Workplace of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes industrial litigation and trial advocacy, with a concentration on organization litigation, and genuine property matters. He has prosecuted and defended situations for more than twenty 5 years.

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Mr. Kramer is a licensed genuine estate broker and has spent considerable time providing legal solutions in connection with real estate concerns relating to loan modification and loss mitigation, land use and zoning, environmental troubles, easements, construction and development, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice ahead of all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has tried in excess of 200 circumstances. He has appeared on nationally televised applications regarding pre-trial procedure and trial strategy and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer often lectures on a broad spectrum of different legal and organization concerns.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a previous president of the Los Angeles West Inns of Court, a national organization dedicated to bringing back professionalism and civility into the legal profession. He also serves on quite a few Boards of Directors and serves as an officer in several firms. For a lot more data contact (818) 224-3900 or visit http://kramerlaw2.com

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Florida Statutes Give Underwater Property owners a Likelihood to Fight Back – MortgageSavers.org Requires the Lead in Florida


Boca Raton, FL (PRWEB) March 29, 2012

Many years ago, since of the mortgage meltdown, millions of home owners found themselves in debt, unemployed and upside down on their mortgage. Then mortgage brokers turn to loan modifications and took millions of Americans down a slippery slope to foreclosure.

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The difficulty was that most banks didnt have the right to modify several of the loans and had no interest in maintaining them in their assets. Fast forward a handful of years and following years of analysis, a Florida land trust and law firm came up with a way to invalidate particular mortgages that had been assigned improperly. They located case law and statutes that gave home owners an edge in court and began deleting mortgages that had been not enforceable.

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These statutes are black and white and offer you relief to homeowners hunting to reduce the amount of debt they have on their properties. Home owners can be approved for this program in as tiny as 24 hours and can receive a new mortgage at 80% of todays value in just 30 days. There is no application charge or any upfront fees at all which tends to make this plan a win-win situation for anybody hunting to bring their LTV to 2012 rates.

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Anybody interested in this plan must speak to Mortgage Savers at 800-981-0476 and ask for a totally free on the internet explanation. An approval can be obtained in 24 hours and any individual can save thousands of dollars of their mortgage principal as effectively as hundreds of dollars per month. There is no credit verify for this plan because the approval is based strictly on the house. Finally a location exactly where an individual can discover real assist in a time exactly where home owners are losing their properties since they are so underwater.

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They have launched a video presentation on YouTube and it can be seen: here

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Much more Loan Modification Press Releases

The Law Offices of Kramer and Kaslow: Advocates and Bankers Join to Fight Loan Guidelines


Calabasas, California (PRWEB) June 16, 2011

Philip Kramer from the Law Offices of Kramer and Kaslow comments on a current New York Instances post about new banking regulations. The New York Occasions reports that, As banking regulators are rewriting the rules for the mortgage market place, unusual alliances have sprung up in opposition to tighter lending requirements. Advocacy groups like the N.A.A.C.P. and the National Council of La Raza, a Latino civil rights organization, on the one hand, and the American Bankers Association on the other, are joining with each other to fight rules they say could make residence loans significantly less inexpensive for minority and working-class Americans.

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Politics makes strange bedfellows, says noted attorney Philip A. Kramer of the surprising coalition of consumer advocates and the banking industry coming with each other to fight new, stricter loan regulations for mortgages.

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According to The New York Instances article, the growing alliance in between civil-rights organizations and banking lobbyists could extend beyond the present round of monetary rule-making. If Congress turns its focus to restructuring Fannie Mae and Freddie Mac, for example, the identical groups could voice equivalent concerns over something that restricts the availability of credit for first-time home purchasers,

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David Stevens, chief executive of the Mortgage Bankers Association, was quoted in the article. I consider everyone agrees that the enthusiasm for advertising house ownership went way too far, stated Stevens. But now the danger is that we go also far the other way. We still require to be capable to make affordable mortgages that dont just go to the wealthy, who can afford the biggest down payments and who have the most constructive credit ratings.

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Philip A. Kramer, who represents hundreds of consolidated litigation plaintiffs suing banks for their mortgage practices, has a various take, The crisis occurred because banks have been able to profit enormously and this encouraged poor behavior. Purchasers had been sucked in since they wanted the American Dream to personal their personal property. It was a ideal storm of desire for a much better life and the pure greed of the profit motive. My belief is that regulatory brakes on each sides are definitely necessary to avoid a future disaster.

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A lot more of Philip Kramers observations can be found at the Law Offices of Kramer and Kaslow weblog.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior companion of the Law Office of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes industrial litigation and trial advocacy, with a concentration on company litigation, and genuine property matters. He has prosecuted and defended circumstances for more than twenty five years.

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Mr. Kramer is a licensed genuine estate broker and has spent considerable time offering legal services in connection with genuine estate issues relating to loan modification and loss mitigation, land use and zoning, environmental troubles, easements, building and development, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice ahead of all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has attempted in excess of 200 circumstances. He has appeared on nationally televised programs concerning pre-trial process and trial technique and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer frequently lectures on a broad spectrum of different legal and company issues.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization committed to bringing professionalism and civility back into the legal profession. He also serves on numerous Boards of Directors and serves as an officer in a lot of firms. For a lot more info contact (818) 224-3900 or go to http://kramer-kaslow.com

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