Colli Real Estate

Many homeowners in foreclosure to believe in magic

Foreclosure is a series of legal and financial issues. If you attack the problem from a financial standpoint, you must have money to pay your mortgage. If an attack on a law you should be able to find a flaw in the closing process to reject it. I see no other way to stop foreclosure.

If you are facing foreclosure now, is flooded with letters of support to enterprises the amounts charged predatory ignominious money to negotiate with your lender, the Most of these companies are scams.

He also receives letters from the creation of so-called "investors" who give free advice and I intend to sell their house for them with a large discount for misleading closing the kitchen table where they make you sign the document of mysterious (trusts land, etc.) that substantially transfer the title / deed to your house for a little more than your mortgage payment and loan leaving the responsibility on their behalf. Some of these "investors" also offers very misleading "lease-back agreements that let you stay at home as a tenant, and pray that you stop paying the rent so he can leave so they can take possession of his house. He also receives letters from Realtors ® who are trying to put your home for sale and to paint a rosy picture of the housing market and the value of your home (See National Consumer Law Center report Dreams "Reversals", one of the best studies recently wrote about the rampant theft of U.S. households through equity-stripping scams, foreclosure rescue).

Finally, but no less dangerous, receives letters from lawyers of Nice offers free consultations for you to file Chapter 13 bankruptcy, what these lawyers do not say is that based on research (see: The reality of the bankruptcy law of the United States under Chapter 13 and Chapter 13 Bankruptcy: Debtors success versus failure), the overwhelming majority of taxpayers do not complete their Chapter 13 repayment plans and not downloaded.

You'll also find on the Internet with a proliferation of books that promise to stop foreclosure by magic, with names like "Foreclosure Free Zone," "The Fight of his life: how to beat the Foreclosure Demons Smart Solutions to save your home "," avoid foreclosure and resolve credit problems, Help foreclosure – do not let the bank take your home! "In my research, even bought some of these types of books just to see what is magic and found no information that is not common sense and easily accessible free online. All the advice in these books are divided into the following categories: 1) Talk to your lender, 2) sell your home, 3) File for bankruptcy under Chapter 13, and 4) Refinance / Get a loan. None of these books, or the attorney chapter 13, and REALTORS ®, or "investors" in their white horses to inform you about your rights and how to defend against the abuses of the tax collector debt.

Foreclosure is a series of legal and financial issues. If you attack the problem from a financial standpoint, you must have money to pay their mortgage, whether negotiating a payment plan with the same lender or assistance lock / Consulting Company. Keep in mind when negotiating a payment plan with your lender (sometimes called Forbearance Agreement), may be needed to reach a lump sum (usually half of their arrears payments) and proof of income. It is very simple: if you have enough cash and / or income to pay their monthly mortgage obligations, it is very likely that you can negotiate something with your lender to stop execution mortgage. If you do not have cash and / or income, must address the question of legality.

If you attack the problem from a legal standpoint, you must learn about their legal rights, preferably with the help of an Attorney for Consumer Protection (www.naca.net) to find a technical or legal flaw in the process rejection. These defects can be hidden in the collection of attorney for the lender of the debt rather than follow the rules of their state in civil proceedings (for example, you has been misused) or by digging in the foreclosure complaint and the list of cases to see if the real test of a claimant from the ownership of the note, or if the original ticket was submitted in court records, or any of the other twenty reasons something that could invalidate the trial or invalid.

There is no magic in foreclosure. If a landlord does not pay the mortgage, the lender will foreclose its homes. There is no negotiation of magic with a lender that can be done without money Cash In hand and / or ability to pay with proof of income. There is ample literature on the Internet and in bookstores in the collection industry claims about how stop foreclosure by negotiating with mortgage lenders on the operation of collections on this debt to expect from debt recovery, etc, etc. However, there is little information on how to navigate the legal system, how to file pleadings and motions and how to implement the measures needed to win the debt collection / foreclosure court battle. Hardly anyone explain to owners in simple terms, the judicial system and how it can use to your advantage to win the trials of debt collection.

About the Author

Julio Martinez-Clark has a Bachelor’s degree in Electrical Engineering (B.S.E.E), a Master of Business Administration (M.B.A.) and extensive domestic and international business experience in the telecommunications and real estate industries. Mr. Martinez-Clark has been a victim of the deceptive practices of the debt collection industry and has done extensive research on debt collection law. Mr. Martinez-Clark also publishes an informative newsletter called “The Truth Report” available at his website www.juliomartinezclark.com in which he exposes the truth about several life topics (money, law, health, etc), news and general information that you likely won’t see in the mass media. If it’s in the media, it’s probably not important for you to know it. He is also the author of a book titled “How To Legally Beat Debt Collectors.”

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