Monthly Archives: April 2013

Hire a lawyer with expertise who gives you an upper hand in a law suit against your lenders

It is after months of savings and years of aspiration that you finally decide to purchase your dream house. And if you are living in a country like USA, taking a house loan is unavoidable if you belong to the mid-income group. This again entails a thousand odd processes and acute planning down to the finest detail. In the entire procedure, buying the house at the earliest remains your top priority. Many a times it so happens that you sign the loan papers hastily without delving much into it. It is during this time that unscrupulous lenders take advantage of your haste and trust and mislead you. And if it is related to matters of mortgage, things become even more tricky and complicated.

 

It is in such situations that a formidable attorney can do justice to your situation. And the good news is that a lot of law firms are coming out and staging an aggressive fight against this menace. And most of these firms have a pan America presence with established lawyers at their disposal. They use multiple State and Federal Laws and experienced professionals in an attempt to keep clients in their homes and that too in an affordable way. But the main criterion for a successful outcome is that you cooperate in the entire process and do not miss out even the minutest details.

 Once the lawyers have enough information, they will use both the State and Federal Laws along with a securitization loan audit analysis to gain leverage in order to obtain a favorable settlement so that the default lenders are proved guilty. The securitization analysis acts as a lethal weapon in successfully bringing or defending an action against your lender. Your loan may be part of an endless flow of missing documents and discrepancies that can be uncovered using the securitization loan audit analysis. The purpose of loan audit is to detect violations within your loan documents that can be used to your advantage under the Truth in Lending Act or the Real Estate Settlement Procedures Act.

Such litigations are generally beyond the comprehension and control of the common man which is why you need expert advice and suggestions from quality lawyers who specialize in such form of defense. Debt consolidation refinance is another slippery area which you should tread with utmost caution. An astute attorney will easily guide you through this.

Again, there is the foreclosure defense which the law firm uses to defend you against your lenders. A competent lawyer will provide effective foreclosure defense representation by thoroughly analyzing the documentation and complaints put together by the lenders. However, do make sure that you provide the exact sale date on foreclosure because without this, the lawyers cannot corner the offenders. Your debt could be erased in its entirety but most likely your attorney can delay a judicial or even a non judicial foreclosure and very often lower the balance of the loan to a significant amount.

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Secure your mortgage from third parties and save your property

It has been observed that in the past few years a malpractice is doing the rounds in regards to mortgages and this is thrown customers into a soup. This trend came into the limelight when a lot of people pan America started to realize that their mortgages have been sold to third parties without their knowledge by some unprofessional lenders and even bankers. Now that people are becoming positive about the real estate sector in the country after a devastating slowdown that saw the sector plummet. So people are getting encouraged by this and are investing in property like never before. But such unethical practices are casting a negative shadow and are making the common people highly skeptical.

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 But then, why should some unscrupulous lenders stop you from buying your dream house or simply investing in property? And that too at a time when the market is offering greener pastures. So to avoid any untoward situation, hire a competent lawyer who specializes in real estate laws, so that he can easily bring to book any defaulting bankers. You will find a lot of law firms dealing with such cases across the US if you browse through the net. But, being a layman, it becomes very hard to understand the intricacies of law. Therefore, when you decide to avail the services of a lawyer, keep in mind the following important points:

Firstly, the cases differ from situation to situation. What was applicable for some other party might not be applicable in your case. So see to it that your lawyer your individual situation regarding your mortgage. Be transparent in sharing all details regarding your purchase including personal and financial information and support it with documents. This will be of great assistance when your lawyer will present a pre trial settlement offer and establish any defenses or actions available against your lender.

Secondly, be sure that your lawyer is using both Federal and State laws to defend your case, supported by a loan and audit securitization analysis. This will ensure that you have an upper hand in the case. The securitization analysis is one of the most powerful tools in successfully bringing or defending an action against your lender. This analysis effectively studies the issues concerning your mortgage at the time when you took the loan because your loan may be part of an endless flow of missing documents and discrepancies which can be easily unearthed with the help of securitization analysis and loan audit.

While you are in the process of settling scores with your offenders, you will become accustomed to fiscal and judiciary terms like terms like fore, Securitization Loan Audit, Debt Consolidation Refinance, Bad Credit Debt Consolidation, Foreclosure Defense and many more. All these will be impossible to understand without the able guidance of an experienced lawyer. You cannot entirely stop discrepancies from floating in the market, but you can certainly curb it from becoming a regular nuisance. Therefore, do not lose your savings and hire an experience lawyer so that he can successfully give you back what is rightfully yours.

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Keep dishonest lenders at bay by hiring a law firm with expertise in real estate law

Having a house of your own is everyone’s dream and if you are from the mid-income group, the first thing in your mind would be to take a house loan if you are to realize your dream. Taking a loan, however, especially for a house or property is the trickiest part nowadays. There are innumerable odd processes and paperwork to complete before you finally avail a loan. But due to the complex procedure, the lenders or the banks usually take advantage of the situation with things related to mortgage. It is during this crucial time of taking a loan that many unwanted glitches come up. Many a times, buying a house remains a distant dream, thanks to the unprofessional ways of working of these lenders.

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A lot of people across the United States have complained about unscrupulous people who have sold their mortgages to a third party without their knowledge. This is a very serious offence and such kinds of cases are been often heard now that the property market have start to boom after the slowdown. Be very cautious so that you do not fall prey to such malpractices. Being a layman, it is very easy to be a victim since you are not accustomed to the nitty gritties about loans and mortgage.

Endeavoring to bring justice to innocent people who have been duped by smart bankers, a lot of private law firms have opened up their business online. Most of these firms have offices across America and they hire some of the best lawyers in the country. With the help of both State and Federal Laws, these experienced professionals bring to book offensive practitioners and in the process, keep their clients in their deserved property. And the best part is that they do not charge much for their service and do their job within an affordable range. But the main criterion for a successful outcome is that you cooperate in the entire process and do not miss out on providing them all the details.

Terms like Debt Consolidation Refinance, Bad Credit Debt Consolidation, Home Refinance Rates, Securitization Loan Audit, Foreclosure Defense, etc are beyond the comprehension of the common man. So if you hire a lawyer, he will be able to guide you through the entire process in a very smooth and hassle free way. For instance, try to stir clear from debt consolidation refinance with the assistance of your lawyer. An astute attorney will easily guide you through this. Home refinance rates also vary depending on a lot of pivotal factors. So make sure that you are charged the right rates and are not disarrayed. Foreclosure and Debt Consolidation is another slippery area which needs utmost caution and proper guidance from a competent attorney who has commendable grip over such form of defense.  In other words, do not lose out on your savings and your house because of some crooked lenders and instead hire a capable attorney’s service so that he might defend you.

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Credit Consolidation and What It Can Do For You

A credit card is a peasant’s key to the palace.  Things you couldn’t get on your regular salary are made accessible once you have a credit card.  The new HD television, the car, and of course you can get anything else your heart desire once you hold a valid credit card.  Credit card companies make accessing these items very simple.  Buy it now and then repay me later.  It is as simple as that and of course, all you need to pay is the minimum rate, right.  True, a credit card company makes everything easy but is this something for your benefit or theirs?  Ummm, I wonder? If you take a few minutes to fully examine your credit card statement, you may conclude that you may need credit consolidation.

However, what is credit consolidation and who needs it?

Before we focus on what exactly is credit consolidation service, have you seen your statement and has it really dawned on you yet how long it will take you to repay your debt if you continue making minimum monthly payments?  Yes. No.  Well, whatever your answer is, credit consolidation is a service that has been designed to help creditors and people indebted to society to repay their debts quicker.  When you think about repaying your loans using this means, you have two options available to you.

The first one is to add up all your debt and apply for a consolidation from a lending agency.  This new loan that you will receive will repay all debt you have and you will be left to only make one monthly payment.  With this option, you will be getting what is known as refinance rates.   While this option gives you roughly sixty months to repay and clear up your debt, this form of credit consolidation is very hard to acquire and you will need to have some form of collateral before you can get it.

Along with the above mentioned option for credit consolidation, creditors such as you may opt to go with the option of registering with a credit counseling agency.  If you opt to go with the second option, the agency that you register with, will seek to get you a payment plan with your debtors that offer refinanced rates.  Some of these payments will be made once per month and most creditors who sign up for this option will come to find out that their credit cards have been closed and they can no longer use them. 

Determining if you need credit consolidation is not hard and all you really need to do is examine your credit card statements and look into all other debts that you may have.  Getting out of debt is not as hard as some people may think and with a little research, you can easily find credit consolidation Debt Consolidation Refinance agencies that will help you out of debt.  You will either get refinanced rates or some other means that will help you through your struggling.

It is never wise to pay the minimum rates for your credit cards and if you realize that this is what you have been doing, rethink your strategy, get the help you need and get out of debt. 

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