A sad reality of today's economy is the number of people facing foreclosure. The idea of losing your home is traumatic. You may have already tried to negotiate with the mortgage company, but found that foreclosure is inevitable. If you are facing this dilemma, you need good advice from an expert who can show you how to protect yourself. A bankruptcy attorney is an example of a professional who can offer good advice. The protection of bankruptcy can be your best option. Unfortunately, many homeowners are prone to anxiety bad advice of unethical companies who see an opportunity to take advantage of their desperate situation. These companies attract these homeowners, offering to show them a way of foreclosure, and getting to say pick them off their mortgage completely. Some of these companies operate legitimately and ethically with an experienced mortgage attorney. However, there are a number of companies that attract vulnerable customers through misleading statements and false promises.
I was recently invited to interview with a company in Orange County, California that promotes itself as a company, nonprofit consumer protection. They said that specialize in helping people who were in trouble with their mortgages. The CEO of the company sent me a biography about the company and its founder. The information sent was awesome. I was excited and intrigued by the idea of helping home owners desperate to find a solution. I decided to do more research on the company and the issue of foreclosure. After doing a great deal of research, I was very disappointed. It seemed that many of these companies that provide this type of service to homeowners attracted customers through deception and empty promises. After further investigation, I discovered that the company was meeting with one of these companies. His performance not only acting unethically, but illegally. I was alarmed by the consumer complaints that were filed on the Internet. This led to further research into this company license, court records, and reports of the Better Business Bureau. The news was not good.
In recent years, news reports have circulated about subprime mortgages that were granted by subscribers inexperienced or unscrupulous leading to several lawsuits against the mortgage industry. Many of the homes facing foreclosure today were financed by a subprime mortgage. Many of these companies to attract customers to convince their mortgages or illegal manipulation as a whole. They claim they can locate faults in their mortgage contracts that will bring your mortgage and stop foreclosure.
The first thing you explain to your customers is to do a forensic analysis of the mortgage. Of course, this requires a down payment usually in the amount of $ 3500. Once the analysis has been paid, the company will ask the fees to file a complaint with the court to start the law suit. This fee may be up to $ 10,000. These companies usually advertise without upfront fees. In fact, California law, which could not ask for upfront fees. According to many consumer complaints directed to the company, many customers pay upfront fees, without ever having received a test or a complaint in court.
When an individual finds themselves on the verge of exclusion, bankruptcy protection should be considered as an option. While filing bankruptcy does not prevent a person can lose your home in the end will stop the foreclosure and mortgage payments for up to three months. This gives the landlord a final opportunity to renegotiate with the mortgage company. However, when filing for bankruptcy there are many other factors homeowners should consider besides your mortgage. For example, a bankruptcy has all the debt of an individual in mind when it comes. Therefore, all debts, including cars, credit cards, medical debts and should be considered in the bankruptcy court, with the mortgages. In addition, the bankruptcy court will separate from the individual in debt and unsecured debt. A home mortgage and auto loans are examples of secured debt.
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