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Tag Archives: Programs
Maine Social Safety Disability Attorney Joe Bornstein Weighs In On Programs Financial Difficulties
Portland, ME (PRWEB) June 27, 2013
With attainable spending budget cuts threatening disability positive aspects, Maine Social Security disability benefits lawyer Joe Bornstein these days said its a lot more crucial than ever to obtain assist from a qualified law firm when applying for help.

According to a Could 30 article in CNN Cash titled Federal Disability Trust Fund on the Brink, the Social Security Disability Insurance system is forecast to run out of funds in three years. The report states that revenues coming in would only be enough to cover about 80 percent of the payments due to the disabled and their families.

Weve been following this story closely, and we inform men and women who make contact with us about applying for positive aspects that they should not give up hope. An attorney can support them get through a challenging method, said Bornstein, whose firm assists individuals in Maine needing support applying for Social Security disability or attractive denied claims. We know millions of American workers who rely on the program are worried. Its also troubling news for applicants whose applications could face much more scrutiny than ever. Thats why its smart to receive representation from an attorney who can aid file an application and make certain no blunders are made. If you need to have assist appealing a denied claim, you need to take into account legal assist.

Bornstein added that the method of applying for SSDI advantages can be tough, specifically for individuals coping with a health-related situation. By contacting an seasoned Social Safety disability lawyer in Maine, you can have peace of mind being aware of that your representative is handling the claim and making certain it is accurate, comprehensive and filed in a timely manner.

While economic troubles are looming, the CNN Money report states that there are approaches to extend the life of the disability system. Lawmakers are looking at various options, according to the report.

In the meantime, the demand for advantages has been on the rise over the previous many years. Today, practically 11 million individuals collect disability benefits, up from eight.7 million in April 2007, according to CNN Income.

According to the article, the aging U.S. population has resulted in more individuals applying for rewards, as they enter their 50s and face a host of medical circumstances.

We know that several Mainers as effectively as men and women across the nation who are facing disabilities and other health-related situations are going through hard occasions, Bornstein stated. We are here to assist. Our firm delivers a free of charge consultation. We can talk about your alternatives and aid you steer clear of confusion more than your claim.

Bornstein mentioned a disability lawyer can support with vital methods such as the application process and representing a claimant at a hearing just before an administrative judge.

Numerous claims are denied at the initial stage, but frequently get approved soon after additional evaluation, Bornstein said. In several cases, the applicants who dont give up and in the end get rewards can say a knowledgeable disability attorney helped make a distinction.

About the Law Offices of Joe Bornstein
Established in 1974, the Law Offices of Joe Bornstein has helped much more than 19,000 Mainers collect much more than $ 200 million in settlements and advantages. This full-service, private injury law firm has six offices in Maine: Portland, Augusta, Bangor, Biddeford, Lewiston and Sanford. Our specialties consist of auto accidents, motorcycle accidents, truck accidents, Social Safety disability cases, healthcare malpractice, wrongful death and dangerous drugs. Our attorneys perform on a contingency fee basis. As a result, consumers only pay for services if they win. 
The principal workplace for the Law Offices of Joe Bornstein is positioned at five Moulton St., Portland, ME 04101. To schedule a totally free case evaluation or for a lot more information, contact (877) 294-6813 or visit our internet site at http://www.joebornstein.com/





MortgageLoan.com Guides Homeowners By means of Loan Modification Programs
Bunnell, FL (PRWEB) February 11, 2009
Loan modification programs can be the only selection for several to save their properties. Unfortunately, acquiring a mortgage modified can be really confusing. These programs are frequently complicated and tedious–challenges in understanding loan modifications can waste precious time and lead to property owners to lose their properties.

“Loan modifications can be scary and intimidating transactions, ” explains Bill Rice, MortgageLoan.com’s VP of Content material. “These are unusual mortgage transactions that are cumbersome, demand substantial documentation, and take place when the homeowner is most vulnerable.”

MortgageLoan.com’s objective with the Guide to Loan Modification Programs is to arm the consumer with information and education–placing them in the best position to acquire a competitive loan modification and save their house.

MortgageLoan.com has been offering customers with mortgage guidance, news, and rates given that 1995 and at no time has it been far more confusing. The aim of MortgageLoan.com’s series of Mortgage Basics Guides is to provide objective, informative, and actionable details on the most essential subjects for borrowers hunting to finance or maintain a mortgage.

The most recent mortgage guide outlines the important elements of major mortgage loan modification programs:

Defining a loan modification
The distinction in between loan modification and mortgage refinance
Determining eligibility for a loan modification
Explaining how and where to get a loan modification
MortgageLoan.com has answered these inquiries and more inside the Guide to Loan Modification Applications. Providing step-by-step directions on required documentation and who to get in touch with, your loan modification method will be as close to streamlined as attainable.

“The Guide to Loan Modification Applications is a living resource for troubled home owners,” says Bill Rice, “pointing them in the correct path for modifying their mortgage and maximizing their chance to get that required loan modification.”

As residence values continue to drop and property owners are faced with unemployment or underemployment in their residences, loan modifications will continue to improve. MortgageLoan.com continues to put homeowners in the most educated position to negotiate their very best mortgage, refinance, or loan modification in a difficult economy.

About MortgageLoan.com
MortgageLoan.com (mortgageloan.com) is the premier mortgage resource for buyers, providing present prices, news, and suggestions because 1995. MortgageLoan.com characteristics one of the most comprehensive mortgage broker and lender directories, covering all 50 states. In addition, MortgageLoan.com supplies consumers with economic calculators and glossaries, as well as day-to-day articles associated to private finance — covering topics like mortgages, credit cards, auto financing, investments, and a lot more.

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Obama Administration Announces Help of Principal Reduction Programs Atlantic Mutual Gives a Resolution
Largo, FL (PRWEB) April 20, 2010
When the Obama Administration announced its help of principal reduction applications in March, Atlantic Mutual, LLC, had already been working on a private sector remedy. Just one year ago, the Administration amended TARP to develop a provision that makes such principal reduction programs possible. Following almost 1 year of research, Atlantic Mutual launched a Principal Reduction Plan in February that will access the Public-Private Investment Program (P-PIP) of TARP to facilitate their system. Sixty days into the plan, Atlantic Mutual supplies an update on the progress of their principal reduction strategy and the particulars of why their Principal Reduction System operates.

More than the previous two months, Atlantic Mutual has been swiftly expanding to collect files to fill the loan portfolios that they are putting collectively for their interested investors. The portfolios are lender-specific and created to meet the desires of the finish investors. Weve identified a way to underwrite these portfolios of loans so that a qualified investor can decide on the sort of borrower that they want based on capability to pay and borrowing history, rather than utilizing classic underwriting procedures, says Brian Correa, co-founder and CEO of Atlantic Mutual, LLC.

A Principal Reduction Program ultimately provides an option to the 18 million homeowners across the nation buried in damaging equity that have no other options. Loan modifications have established to be unsuccessful, and lender principal reductions are far and few among (and thats even if a borrower qualifies). Atlantic Mutual is at the forefront of the market by building a Principal Reduction Program that requires the proceeds from Wall Street and brings them to the people of Main Street. The American taxpayer can now advantage directly from the billions of dollars that have been poured into the corporate bailout.

The premise of Atlantic Mutuals system could look easy: the far more portfolios that are bought via this plan directly translate into far more mortgage principal reductions for struggling property owners. Even so, the number of investors participating is limited. The P-PIP has only nine capital fund managers that can make purchases, and an interested investor must offer the adequate capital and be registered with a single of these nine managers. When qualified as an investor, the plan utilizes federal government TARP cash to assist investment funds acquire huge bundles of toxic assets at a discount from the banks. The savings from the government-financed purchases enables those discounts to pass to homeowners by issuing new loans at, or below, current market place worth.

The incentives in this program for all parties involved are structured in such a way that its not unrealistic to expect to see principal reductions completed for many certified home owners over the next handful of years, explains Brooke Errett, co-founder and CFO of Atlantic Mutual, but in order for that to happen, a lot more legitimate enterprises will require to supply similar applications and more investors will need to have to step up to the plate. We also plan to continue raising bank participation by way of educating absolutely everyone on this process.

Through their expansion, Atlantic Mutual, a residential monetary consulting firm at the forefront of mortgage principal reductions, is building the infrastructure essential to deal with the huge influx of inquiries about its exclusive Principal Reduction Program. In reality, (Ms. Errett) and I still take a few incoming calls per day to stay connected with the men and women that we are helping. I feel the biggest disconnect is that Wall Street nevertheless looks at these mortgages as numbers. Whereas, we realize that we are dealing with person home owners, and we want to meet their needs, says Mr. Correa.

The organization encourages all home owners to get in touch with to inquire about the information of their Principal Reduction System. We pride ourselves on the transparency of our business, says Ms. Errett. We want our consumers to know that they can ask us queries about where we are with our files and what we do differently, and that they know they will get an honest, direct answer.

As Atlantic Mutuals Principal Reduction Program becomes increasingly well-known, much more and much more home owners, stuck in an upside-down mortgage, are becoming conscious that they have options. At this point, everybody understands that it is basically a matter of acquiring the data out to homeowners. Fortunately, principal reductions are obtaining far more media coverage, and robust national advocates, like President Obama and Representative Barney Frank, support to give credibility to these applications.

Weve come to rely on the efforts of our Congressmen to make our program possible. (Atlantic Mutuals) Principal Reduction Plan operates far more effectively with the far more progressive initiatives that we see in Congress, explains Ms. Errett. I am excited about Representative Franks initiatives on secondary mortgages encouraging lenders to work with each other only makes our job easier. I encourage all of our customers to attain out to their Congressmen to assistance such initiatives.

But most property owners do not know about principal reduction programs, and walking away looks like the only actual selection. Mr. Correa explains that [t]hese are folks that may have the resources to make their payments, but cannot see the sense in continuing to pour funds into a hopeless investment. The Principal Reduction Plan developed by Atlantic Mutual was created to assist precisely these folks.

Unlike the multitude of programs out there only for default borrowers at danger of foreclosure, the Atlantic Mutual Principal Reduction System provides that answer for homeowners who are up-to-date on their mortgage payments and at the moment ignored by public programs. In turn, their plan addresses the concerns of opponents of principal reductions who think such applications will lead to an concern of moral hazard, exactly where borrowers will default on their mortgages to qualify for the applications. Ms. Errett tells that [m]oral hazard isnt an issue with our plan. We encourage our clientele to stay up on their payments in reality, we call for it.

Atlantic Mutuals Principal Reduction Plan not only demands that clientele be on-time with their payments customers need to also have documentable income and meet a tight debt-to-revenue threshold. Fortunately for most borrowers, the business has other applications (like debt management) that can assist borrowers to remove debt and qualify for the Principal Reduction System.

When discussing the influx of principal reduction providers, Mr. Correa says, I cant speak for any person else out there, but I do know weve been functioning about the clock building a remedy to this dilemma. Our Principal Reduction System is based on a tight formula that brings taxpayer dollars back to the taxpayerthe American homeowner. In fact, our system is patent-pending. Often it just requires a little private-business enterprise to make a public plan perform. No one else does what we do the way we do it.

The plan provides a win-win predicament for all involved. Banks win simply because they are in a position to unload their toxic paper with out possessing to clean up foreclosure right after foreclosure. Investors win simply because they are able to acquire at large discounts. Property owners win simply because they can finally get the relief they have sought right after for so long.

And the taxpayer wins because the country is now in position to resolve the mortgage crisis even though truly utilizing private business as an alternative of spilling out much more government funds to do so. Initial glance says that this Principal Reduction Plan is a winner.

For concerns or inquiries, please contact info(at)atlantic-mutual(dot)com or get in touch with 888.850.6772. Or, go to Atlantic Mutuals site at http://www.atlantic-mutual.com.

For media inquiries, please get in touch with Brooke Errett at brooke(at)atlantic-mutual(dot)com.<
Whilst HAMP and Other Programs Fail the Law Firm United Law Group Continues to Aid Property owners by Pursuing Legal Channels
Irvine, California (PRWEB) May 25, 2010
United Law Group right now announced that they have helped over 5,500 property owners to date. The law firm continues to help property owners get final results on circumstances with their residence loans, such as permanent modifications, trial modifications, forebearances, and several extensions on sale dates. This national law firm uses every available legal channel to help the households and men and women it serves.

Juan Loera of Camino Island, WA, is a single of thousands of property owners helped. This common contractor ran a multi-million-dollar company just before the financial downturn. His loved ones residence, which he bought over 12 years ago on a fixed loan, was threatened when his business and his income have been lowered to practically nothing. He turned to United Law Group so that he, his wife, and his 3 youngsters wouldnt lose that home.

The firm fought the banks for over a year on our behalf, stated Loera. Thanks to United Law Group, our payment of $ two,796.84 was reduced to $ 1,705.17. My wife went back to function and Ive worked on smaller projects lately. That savings of $ 1,092 per month will enable us to remain in our residence.

John Rubens and Lucia Garcia-Rubens found themselves in a similar predicament. Possessing utilized their savings and credit cards to survive, the couple contacted United Law Group to aid the save their property from foreclosure.

Our payment was scheduled to reset inside the subsequent year and we desperately required assist, stated Mr. Rubens. The banks produced it not possible to perform with them directly. When you go against Goliath, you need somebody with shields and weapons on your side. The staff at United Law Group gave us hope and helped us when we didnt consider anybody could.

Garcia Ware retained United Law Group in February of 2009. Hed been laid off and the value of his home had plummeted.

United Law Group worked for an whole year to get me a loan modification, stated Mr. Ware. Without the knowledge, skill and persistence of our legal group I dont know exactly where wed be.

These stories are not unique, stated United Law Group Managing Director Robert Buscho. There are thousands much more homeowners just like them who have come to our firm when the banks abandoned the promises they made to the American men and women.

This news comes at a time when the United States Government has stated that the Home Affordable Modification Program (HAMP) has failed. On February 25, 2010, Ranking Members of the U.S. House of Representatives Committee on Oversight and Government Reform Darrell Issa (CA-49) and Jim Jordan (OH-four) published a report titled: The Treasury Departments Mortgage Modification Applications: A Failure Prolonging the Financial Crisis. The report tracks the history of the Obama Administrations foreclosure mitigation programs, focusing on the Home Reasonably priced Modification Plan (HAMP).

Calling federally-imposed mortgage modifications a questionable use of taxpayer sources the report focuses on HAMPs failure to assist anyplace near the 3-4 million distressed home owners to whom the Administration promised aid

The executive summary of the report asserts that, HAMP has failed HAMP may really hurt far more property owners than it helps and even a lot more distressing, Treasury is trying to hide the failure of HAMP, stated Mr. Buscho. When a system of this size fails it calls into questions the policies and practices of the monetary institutions that benefitted financially by pledging compliance with the terms that would assist distressed property owners.

HAMP was tasked with helping 3 to four million property owners stay away from foreclosure in March of 2009. Numbers reported at the end of January 2010 show that the program helped significantly less than three% of home owners it was told to support. Further numbers are not accessible since the Treasury stopped reporting a important number in January, which means the public can no longer calculate the applications accomplishment or failure price.

Since of the intense resistance from banks to provide true solutions, United Law Group continues to file suits against banks, including many higher profile instances against Bank of America and its subsidiary Countrywide House Loans, JP Morgan Chase, and others, stated Buscho. When a client retains United Law Group we pledge to pursue every single feasible legal channel to come to their aid. We honor that pledge and the proof is in the quantity of property owners who have received assist from our firm.

About United Law Group
United Law Group represents shoppers in complicated 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 group of leading-notch attorneys, United Law Group leverages leading-edge technology to manage instances, assistance investigative efforts and make sure accurate, frequent communication with its clientele. The firm is presently forming numerous class action lawsuits.

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Uncover Far more Loan Modification Press Releases
Ultimate Options Associates Switches to 3CLogic to Grow Residence Loan Modification Programs
Rockville, MD (PRWEB) April 18, 2012
3CLogic, the leader in cloud based get in touch with centers hosted on Amazon Web Services (AWS), is proud to announce that Ultimate Solutions Associates has switched to 3CLogic to run its Home Loan Modification programs. For a lot of companies, deciding on the proper make contact with center computer software to administer its Inbound and Outbound campaigns efficiently is essential. If the user interface is cumbersome for reps to understand and adopt, it can prove to be a sinkhole for time and funds. 3CLogic supplies tailored get in touch with center solutions for firms of all sizes, including essential functionalities such as customized IVR (Interactive Voice Response) systems, flexible pricing alternatives and both genuine time and historical reporting formats.

Ultimate Solutions Associates, aiming to supply clientele with help on safely and efficiently modifying their home loans, performs with customers to defend their properties from falling victim to foreclosures. Ultimate Options Associates worked with 3CLogic to administer complete campaigns with specially educated legal assistants to respond to client inquiries and mortgage troubles. Ultimate Options Associates leveraged some of 3CLogics Get in touch with Center core features such as live agent monitoring tools and customized IVR (Interactive Voice Response) branches assigned to certain legal assistants.

Yvonne Stewart, President of Ultimate Options Associates stated, Switching to 3CLogics Make contact with Center software program from our preceding solution provider has shown a dramatic enhance in the efficiency of our representatives. Our sales and business productivity has increased tremendously as our representatives are capable to take benefit of a easy, effortless to use method.

Ultimate Options Associates positive aspects from a tailored Interactive Voice Response (IVR) for incoming callers, that handles each business hour and following hour calls effectively. This enables Ultimate Options Associates buyers to reach the desired legal assistant at their customized extension, or be forwarded to a default operator. Throughout company hours, buyers who speak to Ultimate Options Associates are greeted with a welcome message, and then directed to their respective legal assistant, raising buyer satisfaction.

3CLogic is pleased to supply Ultimate Options Associates with an affordable, custom tailored answer that supplies them with all the core essentials they require to handle their agents and buyers, stated Raj Sharma, President and CEO of 3CLogic. We welcome Ultimate Options Associates to join our expanding list of clients switching from our competitors. This additional proves that 3CLogic’s Virtual Telephony Application Grid (V-TAG) architecture offers the most reliable infrastructure for cloud primarily based call centers.

By switching to 3CLogics Contact Center Answer, Ultimate Solutions Associates legal assistants have the capability to verify all forwarded calls to their voice mail box directly by means of a net browser. This offers them with the comfort of being in a position to help their clients while on the go. The 3CLogic software also permits supervisors to have access to agent voice mails, reside monitoring of their representatives, a barge-in function and other reporting tools to successfully manage all incoming calls and inquiries. Similarly, managers and supervisors advantage from getting on demand access to all historical and actual-time reporting and records at the click of a button. This permits managers to see how interactions in between representatives and clients were handled, how certain outcome codes have been chosen, or what areas of improvement require to be implemented.

About 3CLogic: 
3CLogic, headquartered in Rockville, Md., provides a complete suite of cloud primarily based inbound and outbound consumer interaction channels such as voice, chat and social media, which integrate with existing Buyer Connection Management (CRM) application. This integration provides firms with a 360 degree view of all consumer interactions regardless of the channel chosen by their customers. With 3CLogic’s cloud based Contact Center, companies have much more accurate and timely info about their prospect or customer and they can more effectively respond to communications, make certain buyer satisfaction with greater service, and drive toward a bigger lifetime worth of every account, buyer or client. For a lot more details, please contact 3CLogic at 800-350-8656 or info(at)3clogic(dot)com. http://www.3clogic.com.

About Ultimate Solutions Associates:
Situated in Winter Park, FL, Ultimate Solutions Associates is a for profit corporation aimed at assisting their buyers from losing their properties to foreclosure. Ultimate Solutions Associates supplies their customers with the aid needed to safely and efficiently modify their home loans. Their internet based loan modification document preparation computer software assists homeowners by supplying them complete software program with the guidance necessary to safely and efficiently undergo the loan modification process. With 7 new loan modifications offered nowadays, Ultimate Solutions Associates covers all occurrences that their consumers could face ranging from loss of job, layoffs, and death of a spouse.





Associated Loan Modification Services Press Releases
Myron M. Cherry & Associates, LLC Brings Lawsuit Against Wells Fargo for Alleged Misrepresentations In Connection With Federal Loan Modification Programs
Chicago, Illinois (PRWEB) October 26, 2012
Regardless of receiving billions of dollars in taxpayer bailout cash, Wells Fargo fraudulently misled and penalized buyers in search of to modify their loans, according to a federal lawsuit. The lawsuit was filed on behalf of Stephanie Watson and potentially, thousands of similarly situated homeowners across the nation. The law firm of Myron M. Cherry & Associates, LLC represents Ms. Watson.

Wells Fargo, according to the complaint filed these days, misled accountable home owners in want of support, telling them to miss mortgage payments and then assessing outrageous fees, mentioned Mr. Cherry. This practice has left property owners in need of help in a worse position than they have been prior to looking for support by way of these applications.

According to the lawsuit, homeowners searching for to modify their mortgages below the federal governments Residence Inexpensive Modification Plan (HAMP) were intentionally misled by Wells Fargo. The lawsuit alleges that the organization routinely advised buyers that they should miss mortgage payments or otherwise be in default on their loan, in order to qualify for a loan modification. When consumers followed this advice, Wells Fargo charged buyers substantial fees and penalties, reported delinquent payments to the credit reporting agencies and, in the end, failed to in fact modify the mortgage the lawsuit charges. As a outcome of this alleged practice, Wells Fargo avoided modifying mortgages whilst at the identical time collecting huge fees and penalties leaving clients in need of help in an even worse position.

The lawsuit seeks nationwide class action status and was filed in the United States District Court for the Northern District of Illinois (Case No. 12-cv-8578)





New Demand Response Programs Balance Grid Peak Demand and Give Extra Revenue for Participating Corporations
Philadelphia PA (PRWEB) May 31, 2013
National Energy Technologies Announces a partnership approval as Direct National Affiliate provider for En ergy Curtailment Specialists (ECS). ECS is the Nations premier Demand Response (DR) specialist. Demand Response applications have turn out to be an essential element of energy arranging. Rather than build additional energy plants or impose rolling blackouts just to satisfy peak instances of intense grid shortages, power firms are adopting Demand Response programs. DR allows electric grid operators to decrease program tension for the duration of rare emergency peak events. The big user gets rewarded drastically to stand prepared to lessen a pre-determined amount of electricity as a final line of method defense. The events are uncommon, completely predictable and usually only final for two hours.

National Energy Technologies has partnered with ECS since of their grid tension prediction ability, their exclusive shadow meter and their curtailment call center strategists. ECS is so immersed in grid supply and weather patterns that their curtailment group is in a position to provide up to two days notice before an event.

ECS has been in the business for over ten years placed over 1200 satisfied clientele and has paid out over $ 150 million to plan participants. According to Scott Milne, CEO of National Power Technologies, “Demand Response reduces pollution, positive aspects the power organization, and produces a new huge earnings stream to a company. A actual Win, Win, Win.”

With no expense, a trace meter will be installed to enable the curtailment management team to accurately monitor events in genuine time. Along with the shadow meter will comes the patented cutting edge Demand Track software program.

Demand Track is a strong cloud based platform that makes it possible for customers to view information, charts and reports that make plan administration easy. A demand response consultant will very carefully analyze business practices and will assist in figuring out the correct curtailment procedures and amounts. Participating in the event is not mandatory and does not need to completely meet the pre-determined objective. Participation in the plan is fully free of charge and reward will be determined by curtailment quantity, and the capability to meet these commitments. This system is perfect for huge organizations with effective back-up generation or co-generation systems. Utilizing these systems in the course of an DR occasion can let for extra curtailment without effecting operation.

National Energy Technologies LLC has elevated the common of excellence of Conservation Consulting Solutions by combining knowledge in several utility reduction practices in a comprehensive but holistic method. We are a industrial facility conservation consultant specialist. Our firm will introduce, and seek the advice of on targeted technologies made to maximize utility savings with the shortest ROI. Our tactics will save from five to 25% on electrical energy, cooling, water, or fuel, by correcting inefficiencies in air conditioning, large refrigeration, lighting, laundry, compressed air, water flow and many other resource depleting activities. National Power Technologies performs power assessments, corporate counseling, public speaking, and can seek the advice of on demand response, deregulated power contracts as nicely as ongoing power modeling. Our technicians are efficiency specialists and realize all elements of huge facility infrastructure. 800-984-0332





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