Save Our Shores – Star Spangled Beach CleanupSave Our Shores #oil #spill #webquest, #save #our


#

The Fourth of July is right around the corner, and here at Save Our Shores we know what that means tons of pollution on our local beaches! But with the help of volunteers, we can prevent that pollution from entering the Monterey Bay and harming marine life.

Celebrate responsibly this Fourth of July!

The first opportunity to help comes on July 4. We need volunteers to hand out bags, spread the Pollution Prevention is Patriotic message, and remind beachgoers to take care of their trash and recyclables. Outreach efforts will take place from 12-4 p.m. at the following beaches:

4 Mile Beach
Cowell and Main Beach
Seabright State Beach
Twin Lakes State Beach
Seacliff/Rio Del Mar beaches
Del Monte Beach
Carmel City Beach

SOS spreading the Pollution Prevention is Patriotic message

The second opportunity to lend a hand comes on July 5. The Star Spangled Beach Cleanup is the second largest cleanup that Save Our Shores hosts all year. Volunteers can help pick up trash at the following sites from 8-10 a.m. :

Davenport Main Beach
4 Mile Beach
Cowell and Main Beach
Twin Lakes State Beach
Seabright State Beach
Seacliff State Beach
Panther/Coast Dairies State Beach
Sunny Cove
Hidden Beach
Moran Lake Beach
Beer Can Beach
Its Beach
Del Monte Beach
Sand City Beach
Carmel City Beach

Girl Scouts helped us clean Seacliff State Beach on July 5, 2013

We need all the help we can get to restore the beauty of our local beaches, especially after a three-day holiday weekend like this Independence Day, so please tell your friends, your mailman, your barista, your dentist, and everyone else you know who cares about the health of the ocean to volunteer with SOS!

Remember: Beaches need love too! Celebrate responsibly this Fourth of July and keep our beaches clean.


Free Online Mortgage Audit, Forensic Loan Audit, Stop Foreclosure, Securitization Audit, Mortgage Fraud, Save Your


#mortgage audit

#

Forensic vs. Securitization Audit?

What is a Forensic Audit & Appraisal Analysis Report? AUDIT OF THE BORROWER’s EXPERIENCE

The audit is a review of the mortgage related documents signed by the borrower on the day of closing. The audit focuses on disclosure violations of federal law (TILA, RESPA, FDCPA, HOEPA, UCC, and others) and state laws (common law, fees, yield spreads, contract law, and others). The audit also looks for appraisal fraud/negligence, commissions violations, refund eligibility, misapplied payments, calculation errors, application fraud, and more. See sample reporthere

What is a Securitization Audit Report? AUDIT OF THE NOTE AND MORTGAGE’s EXPERIENCE

The audit is a review of the sale transaction that took place after you received your loan. The audit focuses on chain of title, note and deed possession issues, and more. See sample report here . More on securitization audits CLICK HERE .

It’s easy to get started
Sue Your Lender

For help or more info
Call: 800-704-4228

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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Praesent pharetra dui hendrerit convallis porta. Aenean at ante dictum, faucibus velit vestibulum, dictum sapien.
Quisque congue eget nunc at semper. Ut at nunc nibh. Proin molestie leo purus, malesuada imperdiet tortor euismod non.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
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It’s easy to get started
Apply Online

For help or more info
Call: 813-430-0912

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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Praesent pharetra dui hendrerit convallis porta. Aenean at ante dictum, faucibus velit vestibulum, dictum sapien.
Quisque congue eget nunc at semper. Ut at nunc nibh. Proin molestie leo purus, malesuada imperdiet tortor euismod non.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
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It’s easy to get started
Apply Online

For help or more info
Call: 813-430-0912

Free Consultation

They saved my home!!

“My wife and I are very satisfied with the law offices. We were behind only a few months and they did wonders for us! My interest rate and payment went down much more then we hoped for and we didn’t lose our house to foreclosure. I am forever grateful to Mike and the team.”

Douglas, a Foreclosure client

Very Satisfied with outcome!!

“This firm saved my home. They kept me in the loop every step of the way, and was able to do with the bank that I was unable to do myself. I am forever grateful. “

James, a Foreclosure client

I was saved from foreclosure!!

“Our home was in the foreclosure process. We tried to get a loan modification on our own but eventually failed. It was only after hiring the. Law Team that we had a successful resolution. We got to keep our home, our payments were reduced along with our interest rate.”

Mark, a Real Estate client

This software is absolutely incredible.

“it will blow your mind. “”

CA Real Estate Radio Show

I just want to take this opportunity to really thank you for this software.

“I have been able to help some Homeowners to prepare their modification package and so far most of them have been approved by the HAMP program.”

Jose, a business owner

. Thank you very much for this software

“It is very simple, but very effective.”

Borrower, Software Buyer

I just wanted to call and thank you for doing this audit for me.

“I was able to get the lender to reduce the loan’s principal balance from $180,000 to $110,000. They also waived $50,000 in back payments.”

Sase, Mortgage Audit Client

Sale postponed!!

“. I just wanted to let you know that the lender postponed the trustee sale after we notified them of the audit results. “

Attorney, for Audit Client

. Thank you so much.

“I am going to refer all my friends to your service. “

Frank, a Mortgage Audit Client


Bankruptcy – Estate Planning Attorneys – Warrenton, VA #bankruptcy #attorney, #bankruptcy #lawyer, #chapter #7, #chapter


#

Our commitment to you is to provide:

Superior legal representation – We are known as straight-shooters. We will not “candy coat” your case. As your attorneys, we believe it is our duty to provide sound advice and counsel that will guide you to the best possible financial outcome.

Individualized client services – We treat each case as if it were my only case. If you pay for services you deserve to get your money’s worth! Our philosophy is to treat our clients with the dedication they deserve. Our goal is to earn the money we are paid and that requires unwavering dedication to your case.

Effective legal strategy – We will provide you options. You must choose the path. But, we will counsel you on what we believe is your best course of action. We look, not only to the short term, but also to your long term success. Bankruptcy will not do you any good if it does not fix what ails you!

A commitment to success – We strive to make your financial life better and more stable and secure. You deserve a fresh start! Let us help you get it.

Anything less is unacceptable!

Joh n Goetz Law, PLC is a general practice law office located in Warrenton, Virginia. We assist our clients with bankruptcy and estate planning.

T he law office serves clients in Warrenton, Gainesville, C ul peper, Front Royal, and the surrounding areas. Its focus is on bankruptcy services for individuals and small businesses.

W h ether you are in over your head, financially, or you want to p reserve your assets for you and your children’s futures, John P. Goetz, Esq. and James M. McMinn, Esq. Attorneys and Counsellors at Law, are here to help you.

P lease take a moment to review the informatio n on this website. It may be helpful for you in your decision making process.

I f you would like to discuss your financial future with a seasoned and caring professional, we are here for you. Feel free to contact us to schedule a free*, no hassle and no obligation consultation.

*Free initial consultations are offered to individuals who are considering filing for bankruptcy and for initial estate planning. All other consultations are performed at an hourly rate of $275.00 per hour. All fees for office visits or consultations are due at the time services are provided.

Thank you for contacting John Goetz of John Goetz Law, PLC. Your request was successfully sent. It is John’s desire to assist you with your situation. John treats everyone with the same personal attention they deserve; therefore, he will contact you directly.

Soon, John will reach out to you, using the preferred method you selected in your submission. If he is unable to reach you using this method, he will try contacting you using any alternate means of contact you provide. If you would like to contact John directly, feel free to call him at (540)359-6605. Whenever possible, John will answer his own telephone. Otherwise, you may email John at [email protected] and he will respond to your email soon after receipt.

John P. Goetz, Esq.
John Goetz Law, PLC
75 W. Lee St. Suite 104
Warrenton, VA 20186
Telephone: (540)359-6605
Fax: (540)359-6610
Email: [email protected]

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Save Madeleine McCann twin siblings from sick web trolls – Mirror Online #save #online, #madeleine


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Save Madeleine McCann twin siblings from sick web trolls

A decade ago I stood outside a holiday apartment in Portugal listening to Kate and Gerry McCann make their first public appeal for help to find their missing daughter.

I’ll never forget Kate. numb with shock, clutching Madeleine’s Cuddle Cat to her face, breathing in her girl’s scent.

I prayed she would be found safe even though I thought she was probably already dead.

But I knew her parents would never give up hope – because how do you ever stop looking for your missing child?

Read More

The McCann family before Madeleine’s disappearance (Photo: Spindrift)

Sean and Amelie, seen in 2007, are now 12 years old and on social media like their peers (Photo: AFP)

The 10th anniversary is, as Kate says “a horrible marker of stolen time” and my heart goes out to her and Gerry.

Yet our thoughts should also be with Madeleine’s twin siblings. Sean and Amelie are now 12 and on social media, like their peers.

Read More

The Mirror’s Rachael Bletchly in Praia de Luz shortly after Madeleine’s disappearance (Photo: The People)

Kate and Gerry have tried to shield Sean and Amelie (Photo: AFP)

But Twitter, Facebook and whacko websites are infected by conspiracy theorists with “proof” Madeleine’s parents killed her. Sick lies.

Kate and Gerry have tried to shield the twins, but trolls tarnishing the memory of a missing child need to be shut down.

Because Sean and Amelie, robbed of their big sister, don’t deserve to suffer for decades to come.


Free Online Mortgage Audit, Forensic Loan Audit, Stop Foreclosure, Securitization Audit, Mortgage Fraud, Save Your


#mortgage audit

#

Forensic vs. Securitization Audit?

What is a Forensic Audit & Appraisal Analysis Report? AUDIT OF THE BORROWER’s EXPERIENCE

The audit is a review of the mortgage related documents signed by the borrower on the day of closing. The audit focuses on disclosure violations of federal law (TILA, RESPA, FDCPA, HOEPA, UCC, and others) and state laws (common law, fees, yield spreads, contract law, and others). The audit also looks for appraisal fraud/negligence, commissions violations, refund eligibility, misapplied payments, calculation errors, application fraud, and more. See sample reporthere

What is a Securitization Audit Report? AUDIT OF THE NOTE AND MORTGAGE’s EXPERIENCE

The audit is a review of the sale transaction that took place after you received your loan. The audit focuses on chain of title, note and deed possession issues, and more. See sample report here . More on securitization audits CLICK HERE .

It’s easy to get started
Sue Your Lender

For help or more info
Call: 800-704-4228

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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Praesent pharetra dui hendrerit convallis porta. Aenean at ante dictum, faucibus velit vestibulum, dictum sapien.
Quisque congue eget nunc at semper. Ut at nunc nibh. Proin molestie leo purus, malesuada imperdiet tortor euismod non.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
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It’s easy to get started
Apply Online

For help or more info
Call: 813-430-0912

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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Praesent pharetra dui hendrerit convallis porta. Aenean at ante dictum, faucibus velit vestibulum, dictum sapien.
Quisque congue eget nunc at semper. Ut at nunc nibh. Proin molestie leo purus, malesuada imperdiet tortor euismod non.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.

It’s easy to get started
Apply Online

For help or more info
Call: 813-430-0912

Free Consultation

They saved my home!!

“My wife and I are very satisfied with the law offices. We were behind only a few months and they did wonders for us! My interest rate and payment went down much more then we hoped for and we didn’t lose our house to foreclosure. I am forever grateful to Mike and the team.”

Douglas, a Foreclosure client

Very Satisfied with outcome!!

“This firm saved my home. They kept me in the loop every step of the way, and was able to do with the bank that I was unable to do myself. I am forever grateful. “

James, a Foreclosure client

I was saved from foreclosure!!

“Our home was in the foreclosure process. We tried to get a loan modification on our own but eventually failed. It was only after hiring the. Law Team that we had a successful resolution. We got to keep our home, our payments were reduced along with our interest rate.”

Mark, a Real Estate client

This software is absolutely incredible.

“it will blow your mind. “”

CA Real Estate Radio Show

I just want to take this opportunity to really thank you for this software.

“I have been able to help some Homeowners to prepare their modification package and so far most of them have been approved by the HAMP program.”

Jose, a business owner

. Thank you very much for this software

“It is very simple, but very effective.”

Borrower, Software Buyer

I just wanted to call and thank you for doing this audit for me.

“I was able to get the lender to reduce the loan’s principal balance from $180,000 to $110,000. They also waived $50,000 in back payments.”

Sase, Mortgage Audit Client

Sale postponed!!

“. I just wanted to let you know that the lender postponed the trustee sale after we notified them of the audit results. “

Attorney, for Audit Client

. Thank you so much.

“I am going to refer all my friends to your service. “

Frank, a Mortgage Audit Client


Free Online Mortgage Audit, Forensic Loan Audit, Stop Foreclosure, Securitization Audit, Mortgage Fraud, Save Your


#mortgage audit

#

Forensic vs. Securitization Audit?

What is a Forensic Audit & Appraisal Analysis Report? AUDIT OF THE BORROWER’s EXPERIENCE

The audit is a review of the mortgage related documents signed by the borrower on the day of closing. The audit focuses on disclosure violations of federal law (TILA, RESPA, FDCPA, HOEPA, UCC, and others) and state laws (common law, fees, yield spreads, contract law, and others). The audit also looks for appraisal fraud/negligence, commissions violations, refund eligibility, misapplied payments, calculation errors, application fraud, and more. See sample reporthere

What is a Securitization Audit Report? AUDIT OF THE NOTE AND MORTGAGE’s EXPERIENCE

The audit is a review of the sale transaction that took place after you received your loan. The audit focuses on chain of title, note and deed possession issues, and more. See sample report here . More on securitization audits CLICK HERE .

It’s easy to get started
Sue Your Lender

For help or more info
Call: 800-704-4228

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Praesent pharetra dui hendrerit convallis porta. Aenean at ante dictum, faucibus velit vestibulum, dictum sapien.
Quisque congue eget nunc at semper. Ut at nunc nibh. Proin molestie leo purus, malesuada imperdiet tortor euismod non.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.

It’s easy to get started
Apply Online

For help or more info
Call: 813-430-0912

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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Praesent pharetra dui hendrerit convallis porta. Aenean at ante dictum, faucibus velit vestibulum, dictum sapien.
Quisque congue eget nunc at semper. Ut at nunc nibh. Proin molestie leo purus, malesuada imperdiet tortor euismod non.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.

It’s easy to get started
Apply Online

For help or more info
Call: 813-430-0912

Free Consultation

They saved my home!!

“My wife and I are very satisfied with the law offices. We were behind only a few months and they did wonders for us! My interest rate and payment went down much more then we hoped for and we didn’t lose our house to foreclosure. I am forever grateful to Mike and the team.”

Douglas, a Foreclosure client

Very Satisfied with outcome!!

“This firm saved my home. They kept me in the loop every step of the way, and was able to do with the bank that I was unable to do myself. I am forever grateful. “

James, a Foreclosure client

I was saved from foreclosure!!

“Our home was in the foreclosure process. We tried to get a loan modification on our own but eventually failed. It was only after hiring the. Law Team that we had a successful resolution. We got to keep our home, our payments were reduced along with our interest rate.”

Mark, a Real Estate client

This software is absolutely incredible.

“it will blow your mind. “”

CA Real Estate Radio Show

I just want to take this opportunity to really thank you for this software.

“I have been able to help some Homeowners to prepare their modification package and so far most of them have been approved by the HAMP program.”

Jose, a business owner

. Thank you very much for this software

“It is very simple, but very effective.”

Borrower, Software Buyer

I just wanted to call and thank you for doing this audit for me.

“I was able to get the lender to reduce the loan’s principal balance from $180,000 to $110,000. They also waived $50,000 in back payments.”

Sase, Mortgage Audit Client

Sale postponed!!

“. I just wanted to let you know that the lender postponed the trustee sale after we notified them of the audit results. “

Attorney, for Audit Client

. Thank you so much.

“I am going to refer all my friends to your service. “

Frank, a Mortgage Audit Client


Extra Payment Calculator – Pay off debt quicker and save on interest charges #todays #mortgage


#mortgage acceleration calculator

#

What is the impact of making extra payments on my debt?

Over the course of a loan amortization you will spend hundreds, thousands, and maybe even hundreds of thousands in interest. By making a small additional monthly payment toward principal, you can greatly accelerate the term of the loan and, thereby, realize tremendous savings in interest payments. Use our extra payment calculator to determine how much more quickly you may be able to pay off your debt.

Trading Unmanageable Debt for Manageable Debt

If you are like many people who find themselves with too much debt, you may need to consider refinancing or consolidating your loans. You might find yourself in a predicament where no matter how hard you try, you just cannot cut expenses any further or earn more income. The only solution is to lower your monthly debt payments.

There are only three ways to lower monthly debt payments: reduce the principal amount, get a lower interest rate, and extend the payments over a longer term. These three principles are used in refinancing and debt consolidation. Let’s see how these work and then look at the advantages and disadvantages.

How Much Debt Can You Handle?

If you feel that you have too much debt, you are not alone. Most people have substantial debt; many have more than they can handle. However, debt is not all bad. Sometimes it makes sense to use borrowed money for investments. However, most folks are not using debt in that way; they are using it to make ordinary purchases of things they would probably be better off without, anyway. In our competitive society, spending has become a status symbol. This encourages people to spend more than they should — more than they have. Consequently, they run up tremendous debt.

While some debt is okay, too much debt is not. So, how do you know whether you have too much debt or not? First let’s look at the different kinds of debt we might incur.

Responsible Use Of Credit

While credit is very important to the economy, its abuse is harmful. Credit is extended with the faith that borrowers will repay the debt. Goods and services are provided on credit with the expectation that they will be paid for with money in the future. Credit makes commerce more convenient. When credit is abused, everyone loses. Credit abuse increases the cost of credit to everyone.

One should never use credit to purchase things for which one will not be able to pay in the future. Many impulse purchases are made on credit with little thought given to how the debt will be repaid in the future. If one calculated the true cost of goods bought on credit, one would have second thoughts about making the purchase in the first place. Here is an example: a new television flat-screen HDTV model retails for $5,000. If purchased on a credit card with a 12% annual percentage rate (APR) compounded daily, and with minimum monthly payments of $166 paid over three years, it winds up costing over $5,980. Is it worth almost $1,000 more to have it now (furthermore, the retail price in 3 years will probably drop)? That is like going into a store that advertised “SALE–ADD 20% TO EVERY PURCHASE.”

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.


Extra Payment Calculator – Pay off debt quicker and save on interest charges #self #employed


#mortgage acceleration calculator

#

What is the impact of making extra payments on my debt?

Over the course of a loan amortization you will spend hundreds, thousands, and maybe even hundreds of thousands in interest. By making a small additional monthly payment toward principal, you can greatly accelerate the term of the loan and, thereby, realize tremendous savings in interest payments. Use our extra payment calculator to determine how much more quickly you may be able to pay off your debt.

Trading Unmanageable Debt for Manageable Debt

If you are like many people who find themselves with too much debt, you may need to consider refinancing or consolidating your loans. You might find yourself in a predicament where no matter how hard you try, you just cannot cut expenses any further or earn more income. The only solution is to lower your monthly debt payments.

There are only three ways to lower monthly debt payments: reduce the principal amount, get a lower interest rate, and extend the payments over a longer term. These three principles are used in refinancing and debt consolidation. Let’s see how these work and then look at the advantages and disadvantages.

How Much Debt Can You Handle?

If you feel that you have too much debt, you are not alone. Most people have substantial debt; many have more than they can handle. However, debt is not all bad. Sometimes it makes sense to use borrowed money for investments. However, most folks are not using debt in that way; they are using it to make ordinary purchases of things they would probably be better off without, anyway. In our competitive society, spending has become a status symbol. This encourages people to spend more than they should — more than they have. Consequently, they run up tremendous debt.

While some debt is okay, too much debt is not. So, how do you know whether you have too much debt or not? First let’s look at the different kinds of debt we might incur.

Responsible Use Of Credit

While credit is very important to the economy, its abuse is harmful. Credit is extended with the faith that borrowers will repay the debt. Goods and services are provided on credit with the expectation that they will be paid for with money in the future. Credit makes commerce more convenient. When credit is abused, everyone loses. Credit abuse increases the cost of credit to everyone.

One should never use credit to purchase things for which one will not be able to pay in the future. Many impulse purchases are made on credit with little thought given to how the debt will be repaid in the future. If one calculated the true cost of goods bought on credit, one would have second thoughts about making the purchase in the first place. Here is an example: a new television flat-screen HDTV model retails for $5,000. If purchased on a credit card with a 12% annual percentage rate (APR) compounded daily, and with minimum monthly payments of $166 paid over three years, it winds up costing over $5,980. Is it worth almost $1,000 more to have it now (furthermore, the retail price in 3 years will probably drop)? That is like going into a store that advertised “SALE–ADD 20% TO EVERY PURCHASE.”

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.


Free Online Mortgage Audit, Forensic Loan Audit, Stop Foreclosure, Securitization Audit, Mortgage Fraud, Save Your


#mortgage audit

#

Forensic vs. Securitization Audit?

What is a Forensic Audit & Appraisal Analysis Report? AUDIT OF THE BORROWER’s EXPERIENCE

The audit is a review of the mortgage related documents signed by the borrower on the day of closing. The audit focuses on disclosure violations of federal law (TILA, RESPA, FDCPA, HOEPA, UCC, and others) and state laws (common law, fees, yield spreads, contract law, and others). The audit also looks for appraisal fraud/negligence, commissions violations, refund eligibility, misapplied payments, calculation errors, application fraud, and more. See sample reporthere

What is a Securitization Audit Report? AUDIT OF THE NOTE AND MORTGAGE’s EXPERIENCE

The audit is a review of the sale transaction that took place after you received your loan. The audit focuses on chain of title, note and deed possession issues, and more. See sample report here . More on securitization audits CLICK HERE .

It’s easy to get started
Sue Your Lender

For help or more info
Call: 800-704-4228

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Praesent pharetra dui hendrerit convallis porta. Aenean at ante dictum, faucibus velit vestibulum, dictum sapien.
Quisque congue eget nunc at semper. Ut at nunc nibh. Proin molestie leo purus, malesuada imperdiet tortor euismod non.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ex quam, vulputate eu ultrices eget, sollicitudin pellentesque erat.

It’s easy to get started
Apply Online

For help or more info
Call: 813-430-0912

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

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They saved my home!!

“My wife and I are very satisfied with the law offices. We were behind only a few months and they did wonders for us! My interest rate and payment went down much more then we hoped for and we didn’t lose our house to foreclosure. I am forever grateful to Mike and the team.”

Douglas, a Foreclosure client

Very Satisfied with outcome!!

“This firm saved my home. They kept me in the loop every step of the way, and was able to do with the bank that I was unable to do myself. I am forever grateful. “

James, a Foreclosure client

I was saved from foreclosure!!

“Our home was in the foreclosure process. We tried to get a loan modification on our own but eventually failed. It was only after hiring the. Law Team that we had a successful resolution. We got to keep our home, our payments were reduced along with our interest rate.”

Mark, a Real Estate client

This software is absolutely incredible.

“it will blow your mind. “”

CA Real Estate Radio Show

I just want to take this opportunity to really thank you for this software.

“I have been able to help some Homeowners to prepare their modification package and so far most of them have been approved by the HAMP program.”

Jose, a business owner

. Thank you very much for this software

“It is very simple, but very effective.”

Borrower, Software Buyer

I just wanted to call and thank you for doing this audit for me.

“I was able to get the lender to reduce the loan’s principal balance from $180,000 to $110,000. They also waived $50,000 in back payments.”

Sase, Mortgage Audit Client

Sale postponed!!

“. I just wanted to let you know that the lender postponed the trustee sale after we notified them of the audit results. “

Attorney, for Audit Client

. Thank you so much.

“I am going to refer all my friends to your service. “

Frank, a Mortgage Audit Client


Extra Payment Calculator – Pay off debt quicker and save on interest charges #mortgage #protection


#mortgage acceleration calculator

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What is the impact of making extra payments on my debt?

Over the course of a loan amortization you will spend hundreds, thousands, and maybe even hundreds of thousands in interest. By making a small additional monthly payment toward principal, you can greatly accelerate the term of the loan and, thereby, realize tremendous savings in interest payments. Use our extra payment calculator to determine how much more quickly you may be able to pay off your debt.

Trading Unmanageable Debt for Manageable Debt

If you are like many people who find themselves with too much debt, you may need to consider refinancing or consolidating your loans. You might find yourself in a predicament where no matter how hard you try, you just cannot cut expenses any further or earn more income. The only solution is to lower your monthly debt payments.

There are only three ways to lower monthly debt payments: reduce the principal amount, get a lower interest rate, and extend the payments over a longer term. These three principles are used in refinancing and debt consolidation. Let’s see how these work and then look at the advantages and disadvantages.

How Much Debt Can You Handle?

If you feel that you have too much debt, you are not alone. Most people have substantial debt; many have more than they can handle. However, debt is not all bad. Sometimes it makes sense to use borrowed money for investments. However, most folks are not using debt in that way; they are using it to make ordinary purchases of things they would probably be better off without, anyway. In our competitive society, spending has become a status symbol. This encourages people to spend more than they should — more than they have. Consequently, they run up tremendous debt.

While some debt is okay, too much debt is not. So, how do you know whether you have too much debt or not? First let’s look at the different kinds of debt we might incur.

Responsible Use Of Credit

While credit is very important to the economy, its abuse is harmful. Credit is extended with the faith that borrowers will repay the debt. Goods and services are provided on credit with the expectation that they will be paid for with money in the future. Credit makes commerce more convenient. When credit is abused, everyone loses. Credit abuse increases the cost of credit to everyone.

One should never use credit to purchase things for which one will not be able to pay in the future. Many impulse purchases are made on credit with little thought given to how the debt will be repaid in the future. If one calculated the true cost of goods bought on credit, one would have second thoughts about making the purchase in the first place. Here is an example: a new television flat-screen HDTV model retails for $5,000. If purchased on a credit card with a 12% annual percentage rate (APR) compounded daily, and with minimum monthly payments of $166 paid over three years, it winds up costing over $5,980. Is it worth almost $1,000 more to have it now (furthermore, the retail price in 3 years will probably drop)? That is like going into a store that advertised “SALE–ADD 20% TO EVERY PURCHASE.”

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.