Stop Foreclosure Methods For Loan Modification Scams

Stop Foreclosure

The current economic slow-down and recession are perhaps creating more havoc than what is ‘visible’ to the eyes. In the US alone, during the year 2010, more than 1.5 million people have filed for bankruptcy and around 1 million home owners allowed foreclosure to happen. These figures are unprecedented in the American history.

The number of people who want to save their homes from foreclosure is increasing day after day. But, unfortunately, many of them are becoming victims of foreclosure fraud. Perhaps, the nefarious and avaricious people who are indulging in such frauds have been partially induced by the boom before the current recession. The modus operandi adopted by these people is to keep watching the foreclosure listings and take advantage of the precarious financial situation in which the affected home owners are placed. These ill-intentioned people pose as if they are capable of rescuing the home owners and if the home owners are gullible and vulnerable, they fall a prey to the sugar-coated, false promises of these evil elements.

According to Rick Haughton, a former Mortgage Banker and Sophisticated Investor, now Editor at Foreclosure Fraud Exposed, he suggests that due to challenging times, most home owners are not able to think in the right perspective and the fraudsters take advantage of this situation. “Such cases are alarmingly on the increase with loan modification scams,” said Haughton. You may be surprised to know that even celebrity foreclosure is happening. Some of the celebrities, whom you have been holding in high pedestal and whom you have been thinking are not capable of committing grave mistakes on their financial front, are also not insulated from the evil designs of the fraudsters. That may be the reason that some of these celebrities have taken a vow to take necessary measures to learn the home foreclosure process and fight to stop foreclosure fraud. Home owners must take utmost care to protect themselves from these evil-intentioned people and to avoid losing their homes and their money which will worsen their financial situation further.

Haughton explains, these fraudsters will not hesitate to make sky-high promises that they do not intend to fulfill because they will be targeting your home and money. “They will assure you that they can easily bring you out of your bad situation, modify your existing loans, stop foreclosure and save your home from it. When you start believing their words, they will ask for thousands of dollars in upfront fees. Since their activities will look as though they are closely working with your mortgage servicer, you will tend to believe them and pay thousands of dollars in advance money for their services. But, in reality, they may not be doing anything to save your home.”

Haughton points out that States such as Hawaii, California, Arizona, Nevada, Minnesota, Colorado, Texas, Florida, Georgia, North Carolina, New York, New Jersey, Pennsylvania, Massachusetts, Ohio, Chicago, and Michigan, have been the hardest hit with foreclosure fraud and loan modification scams.  Additionally, “if loan modification companies ask for thousands of dollars in upfront payment for their fees, you can immediately construe that they are up with some tricks to take you for a royal ride. If you believe their false promises and sign on important documents inadvertently, you may end up losing your home. One trick widely used by fraudster companies and individuals is to ask the home owner to transfer their home to them so that they will save you from your foreclosure. Getting saved from a foreclosure is a workable task but it is not as easy as just forking over thousands of dollars and hoping someone will do all the work.”

“The loan modification process is a scam in and of itself,” states Haughton. “When a loan is securitized, it’s packed into what’s called an asset backed security and sold as a Real Estate Investment Mortgage Conduit (REMIC) to Wall Street. Hundreds and thousands of loans are placed into these great pools, tiers if you may, with different A-D ratings. It’s a pyramid basically.” Investors at the top get paid first, provided the home owners pay on time, and investors at the bottom have greater risk reward, and in cases of foreclosure, no one technically gets paid on the books. “The problem for the home owner is that once the loan is packaged into an asset backed security, the chain of title becomes null and void, because certificates are issued making the previous loan, now a stock,” explains Rick Haughton. Therefore a loan modification isn’t needed because there isn’t a loan anymore. The chain of title has been broken beyond repair.

It’s important for home owners to do some serious research regarding their personal loan situation  first, and then seek proper foreclosure help. In 9 out of 10 instances, most home owners aren’t even in foreclosure, and pretender lender banks along with these loan modification companies know this. It starts with investigating what’s really going on, and then structuring a plan of foreclosure defense. A home owner’s biggest challenge is where to go to conduct foreclosure fraud research on relevant information, to determine if they’re a victim or not. There are a few websites available online that provide step by step instruction, while the rest are nothing more than recycled news websites, which are a complete waste of time.

To learn more about the different types of Foreclosure Help, Foreclosure Defenses, and How To Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

More on Rick Haughton

Rick Haughton has been instrumental in helping homeowners across America understand the foreclosure process, what their rights are, and how they can stop foreclosure and not fall victim to foreclosure fraud.

ForeclosureFraudExposed.com is the Internet’s leading foreclosure website, providing real foreclosure help to American homeowners, by educating them on foreclosure defense, how to stop foreclosure, protect their rights, find a securitized loan, and much more.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about the foreclosure process, foreclosure fraud, what your rights are, and how to stop foreclosure? Please visit http://foreclosurefraudexposed.com for more information.

Media Contact: Vanessa Duvale Foreclosure Fraud Exposed, support@foreclosurefraudexposed.com


Foreclosure Fraud Exposed Offering American Families Foreclosure Help On How To Stop Foreclosure Fraud

Created in January 2011, ForeclosureFraudExposed.com has worked hard to assist American families nationwide to stop foreclosure, protect their families, and keep their homes. Foreclosure is an action, not a right. Pretender lender banks and others in power have clogged and manipulated people and the system long enough. American families need to know the black and white truth, and it’s time to rebuild America by uniting and helping to stop foreclosure fraud, one American home at a time.

According to former Mortgage Lender and sophisticated investor Rick Haughton, foreclosure fraud was an act created decades ago to steal the American dream from the American people. As a result, American families have lost a sense of trust, dignity and will, while being consumed with feelings of fear, confusion, and doubt. “As a homeowner, you’re looking for ways to fight and stop foreclosure fraud. Well your way out starts with making a conscious decision to fight this war on foreclosure fraud, and to learn the rules to this foreclosure fraud scam. The first rule is that if you don’t object, that’s construed as admission and acceptance of the fraud scam. The second rule is that no one is going to help you until you help yourself first. The third rule is that your success is in direct relation to your mindset and IQ level. IQ stands for I quit level, and your mindset must remain like a parachute and stay open.”

Haughton explains, a quiet title suit is a direct approach, which has afforded many homeowners the satisfaction of saving their homes. “The issue is that most homeowners don’t know the first thing about foreclosure fraud. They haven’t taken the time to do strong research and an understudy. They choose to rely on Attorneys, yet fail to realize that they walk right into a trap because the majority of Attorneys work for pretender lender banks, hence creating a conflict of interest. An Attorney cannot represent a homeowner and represent pretender lender banks,” said Rick Haughton. “It’s called double dipping. And the only interest that will matter in that situation is the interest of who can write the biggest check.” Therefore, in order to stop foreclosure, all American homeowners residing in Arizona, California, Colorado, Utah, Texas, Alabama, Virginia, New Jersey, New York, Florida, The Carolinas and all the other great States have to start at ground zero, and that begins with research.

According to Haughton, every homeowner looking for foreclosure help needs to stop following the news. Its only value is for entertainment purposes; it’s not must see TV. Instead, it’s your life on call; therefore what are you going to do about it. “97% of the websites related to “how to stop foreclosure” deal directly with the loan modification scam. GOOGLE ‘how to stop foreclosure’ and look at the top ten search results. Nine of the top ten have nothing to do with helping homeowners not fall victim to foreclosure.”

Furthermore, why would homeowners want a loan modification? Less than 14.6% get approved, explained Haughton. Homeowners have a clear path to fighting foreclosure fraud and winning their homes free and clear. It’s not easy, but it’s simple. And a handful of American unsung heroes are waking up, listening, learning the facts, doing the research, fighting this battle and winning their homes and life back. Now it’s your turn!

Visit http://foreclosurefraudexposed.com for details on what your rights are and ways you can fight back to stop foreclosure.

To learn more about the different types of Foreclosure Help, Foreclosure Defenses, and How To Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

More on Rick Haughton

Rick Haughton has been instrumental in helping homeowners across America understand the foreclosure process, what their rights are, and how they can stop foreclosure and not fall victim to foreclosure fraud.

ForeclosureFraudExposed.com is the Internet’s 1st step by step video website, that provides foreclosure help to homeowners, by educating them on foreclosure defense, how they can protect their rights, how to find a securitized loan, and how homeowners faced with falling behind on payments, can legally fight to stop foreclosure.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about the foreclosure process, foreclosure fraud, what your rights are, and how to stop foreclosure? Please visit http://foreclosurefraudexposed.com for more information.

Media Contact: Vanessa Duvale Foreclosure Fraud Exposed, support@foreclosurefraudexposed.com


Foreclosure Fraud – American Justice – The Will of A People

stop foreclosure

Bernie Madoff gets life in prison for recycling money and paying investors 1+ percent ROI’s per month, yet pretender lender bank executives recycle money, steal homes from homeowners through convoluted foreclosure fraud schemes, bankrupt an entire country and currency… and their punishment – Tax breaks and bailout money. It doesn’t take a rocket scientist to know that something doesn’t smell right. It will, however take the fight and will of homeowners across America to bring justice to this fraud.

Homeowners and citizens will forever remain the true governing body of this great land and country called America, not pretender lender banks. Regardless of a homeowner’s inability to pay their mortgage, pretender lender banks, mortgage electronic registration system (MERS), and the rest of the group are not above the law, although at times they masquerade as such. Wake up homeowners. Whether you’re facing foreclosure fraud in California, Texas, Florida, Virginia, New York, Illinois, New Jersey or any of the other great American States, you have rights, and there are rules to this game called foreclosure. The challenge is that when homeowners don’t pay attention, unite, and stand up for what is just, this vicious cycle of fraud, manipulation, and masquerading continues. In a recent interview with Rick Haughton, former Mortgage Lender and now Consultant at Foreclosure Fraud Exposed, explains that the first thing homeowners facing foreclosure fraud need to do is object. “Homeowners need to unite and object to foreclosure fraud, healthcare cutbacks, and the dumbing down of our children’s education, object to it all.”

“We, as a great People and Nation, have lost a sense of pride, ownership, and belief in ourselves,” said Haughton. “We’re slaves to the word ‘debt.’ Many Americans don’t even realize the word ‘debt collector’ is a made up word. Try to GOOGLE it, it doesn’t exist. You’ll find that pretender lender debt collectors are masquerading as sheep under the word ‘collection agency.’ This is what comes up when typing in the word and doing an online search,” echoed Haughton. “To research the word ‘collection agency,’ or ‘how to start a collection agency,’ it reveals and clearly states that homeowners facing illegal collection of any kind are protected by the Fair Credit Debt Collection Practices Act (FDCPA), also known as the Consumer Protection Act.”

According to Rick Haughton, every American of legal age that owns a home is a victim of homeowner fraud in one capacity or another. The reason why it’s difficult to fight pretender lender banks is because they’ve retained approximately 62% of America’s Attorneys, and they’re prepared for battle. A bank is strategically built to last forever, and Attorneys clog the system with paperwork. Loan Modifications are merely used as a buffer of misdirection, another element of their elaborate masquerade. “Most homeowners don’t realize that the biggest issue they face is the lack of preparation and information. Just try to search online for relevant information on how to stop foreclosure fraud. You’ll find yourself trapped in a warped spiral of outdated reshuffled news,” explained Haughton.

Haughton further states that there are many ways to stop foreclosure and not fall victim to foreclosure fraud. “It starts with preparation, objection, and learning a few simple rules such as the Fair Credit Debt Collection Practices Act (FDCPA), specifically, US Title 15, Section 1692. Homeowner’s across America facing foreclosure fraud must act now and take action to research and understand the foreclosure laws, which are nothing more that Real Estate contract laws. It’s the job of pretender banks to steal homeowners homes one home at a time. And I’ve taken it upon myself to make it my job to help homeowners save their homes one home at a time.” Together we fight, together we win.

To learn more about the different types of Foreclosure Help, Foreclosure Defenses, and How To Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

More on Rick Haughton

Rick Haughton has been instrumental in helping homeowners across America understand the foreclosure process, what their rights are, and how they can stop foreclosure and not fall victim to foreclosure fraud.

ForeclosureFraudExposed.com is the Internet’s 1st step by step video website, that provides foreclosure help to homeowners, by educating them on foreclosure defense, how they can protect their rights, how to find a securitized loan, and how homeowners faced with falling behind on payments, can legally fight to stop foreclosure.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about the foreclosure process, foreclosure fraud, what your rights are, and how to stop foreclosure? Please visit http://foreclosurefraudexposed.com for more information.

Media Contact: Vanessa Duvale Foreclosure Fraud Exposed, support@foreclosurefraudexposed.com


American Homeowners Fight To Stop Foreclosure Fraud With Quiet Title

When your property is facing foreclosure, there is every reason to grief over it but much of the blame should be placed on side of the pretender lenders that are committing foreclosure fraud. If the authorities of the bank or the financial institution proceed with their action and the foreclosure process starts, it may completely change the way you live in more than one way. It may unleash a different set of inexplicable emotions in you because the warmth of a house in which you have been living all through your life is certainly greater than anything else.

According to Rick Haughton, a former Mortgage Lender, Sophisticated Investor, and now Consultant at Foreclosure Fraud Exposed , homeowners may not be willing to part with the property because the memories and feelings are real and they can in no way be considered as perceived emotions. You may be looking for ideas as to how to stop foreclosure. You are not alone because in the United States, about two million worth of properties are under foreclosure just because of non-payment of installments on mortgage loans by borrowers who do not know how to stop foreclosure.

Pretender lender banks have made it impossible to negotiate, bargain or compromise, as many Americans are starting to become aware of the massive foreclosure fraud that has swept states like California, Texas, Chicago, Florida, New York, New Jersey, Massachusetts, Georgia, and the rest of the country. The good news America is that a solution exists. Haughton suggests that many homeowners, who’ve taken the time to research and fully understand the nature of foreclosure fraud, are now taking their pretender lender to court. This viable solution in legal parlance is called filing of a Quiet Title Suit. A Quiet Title Suit is a legal proceeding filed to establish an individual’s right to ownership of a real property in the context of claims by one or more people. In this suit, the plaintiff seeks an order from the court so as to prevent the other claimants from staking a claim on the property.

Haughton explains, a quiet title suit allows homeowners to go on the “offensive” and they will be challenging the lender institution’s claim on the said property. The foremost step to this approach is taking some serious time to know your foreclosure fraud situation inside and out and that this is a must-do before seeking any professional help. “Most homeowners know that foreclosure fraud exists on their home, but when asked to show specific evidence or documentation, it becomes a recite of what was read in the newspaper journal, website or watched from one of the popular media television stations.” Haughton further says that homeowners have done a great job of helping the pretender lenders. “Most homeowners, not all, but most, search on the internet for information and get caught up in the news of the story, verses their own hard core facts. This is the #1 reason why some homeowners have success and some fail. It’s a learning curve and homeowners must realize that all their documentation and evidence of fact has to be in order and that this is their sole responsibility not anyone else’s.”

The next step from there is simple, echoed Haughton: either continue the trail alone or seek out professional assistance, someone who will use all his or her wits and all the legal tools available at his or her disposal to show you the way as to how to stop foreclosure. However what most people do is turn on news stations or search a few websites and gather all the facts about the news, not their specific situation. Next they contact professionals and start rambling off about the news verses their personal situation, leading with the facts first. “This is a huge mistake on the part of the homeowners, said Rick Haughton. I know of at least 45 professional attorneys across the country who cry wolf to me about this every other week. It’s a sin. Homeowners just expect these professionals to take their issue, do all the research, and fight it, and unfortunately, it doesn’t work that way. Not with foreclosure fraud at least. The homeowner must understand that they are in the driver’s seat with this one, and that most attorneys don’t know anything about foreclosure fraud. Therefore it’s the homeowner’s job to research and document everything, get it in order, and then present it properly.”

To learn more about the different types of Foreclosure Help, Foreclosure Defenses, and How To Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

More on Rick Haughton

Rick Haughton has been instrumental in helping homeowners across America understand the foreclosure process, what their rights are, and how they can stop foreclosure and not fall victim to foreclosure fraud.

ForeclosureFraudExposed.com is the Internet’s 1st step by step video website, that provides foreclosure help to homeowners, by educating them on foreclosure defense, how they can protect their rights, how to find a securitized loan, and how homeowners faced with falling behind on payments, can legally fight to stop foreclosure.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about the foreclosure process, foreclosure fraud, what your rights are, and how to stop foreclosure? Please visit http://foreclosurefraudexposed.com for more information.

Media Contact: Vanessa Duvale Foreclosure Fraud Exposed, support@foreclosurefraudexposed.com


Matthew Perry to focus on getting clean

Let’s look at some of the week’s latest gossip concerning celebrities! First of all, Matthew Perry says he is going away to focus on getting clean. Unfortuantely, the former massive “Friends” star has been battling addiction or at least some sort of temptations recently. He has struggled with substance abuse in the past as well, and had gotten clean. As a long time fan of the show “Friends”, I wish Matthew Perry the very best in his recovery.

It’s really a positive sign that he is coming out publicly and announcing he is going into some sort of rehab. Many celebrities do in fact deal with substance abuse because of the constant party atmosphere they are exposed to, as well as the money they have to blow. Some of them get addicted and blow away their entire fortunes. Matthew Perry is taking a proactive step which should look like an example for many other celebs. Other celebrities have gone into rehab like Lindsay Lohan, however she has almost always been forced into it by a court or by friends and families.

We don’t know what ultimately pushed Matthew Perry into a laser focus quest to stay clean. Rumor has it that he did not in fact relapse, but may have been going through some rough personal times. That is definitely a place where people can be ripe for a relapse.

Matthew Perry was “Chandler” on ABC’s hit TV show “Friends”. It was by far one of the most popular television series in history, and it’s finale was only trumped by Seinfeld in terms of number of viewers. Perry was always pegged as the funniest character on the show, and went into making many successful movies.

Oksana Grigorieva and Mel Gibson, are still at it!

Oksana Grigorieva and Mel Gibson are still making news. If you don’t know the back story, Mel and Oksana Grigorieva had been having quite the domestic dispute. For many months now, there family feud has been the center of many celebrity gossip sites. Mel Gibson has lawyered up with some of the countries nastiest men in suits, while Oksana has been through more lawyers than Lindsay Lohan has probation officers. It’s really a freakin mess, and now they are at it again.

In an attempt for more publicity, Oksansa screams “I don’t want mel back” to TMZ reporters. This comes after rumors started flying that Oksana was trying to get back with Mel, after contacting him several times. A spokesperson for Oksana said that she indeed has had contact with Mel Gibson, but only for one reason – Lucia. She wanted to know how Lucia was doing, and was supposedly constantly concerned with the well being of Lucia while she was in Mel’s care. Lucia is the baby that Mel Gibson and Oksana Grigorieva had together, and she is indeed going to be well famous before she even knows what fame is.

Will this debacle with Mel Gibson and Oksana ever end? Many people think it was a downright nasty ploy right from the get go by Oksana, in an attempt to get into Mel Gibson’s pockets. Let’s not forget that Mel Gibson is not some regularly paid millionaire actor, he is a downright billionaire with tons of business interests. With a child involved, Oksana could have thought she had a really great chance of cashing in on some of the money Mel is sitting on . Mr. Gibson certainly has different thoughts about that, and is fighting tooth and nail for his reputation, and for his money.

Dancing with the stars 2011 – Results

Hey everyone, if you are on this page then you, like myself and my best friends – love Dancing with the Stars! And I’m sure you were busy with your lives tonight and missed it, which is why you are looking for the results of Dancing With The Stars for May 10th, 2011!

Many cool things happened in this episode and I’ll try not to give you a details spoiler but I will give you the beef and noodles of what you are looking for – the results of Dancing with the stars. Romeo, a favorite on the show and an oh so confident rapper, singer, dancer and performer has been kicked off the show. Romeo, formerly known as “lil romeo” is the son of Master P, and is known for very big hit singles.

Romeo never wanted to put on heeled shoes for the show and that’s one of the reasons he lost. He had a very pro dance parter in Chelsie Hightower who he said taught him a lot. They looked like a really great pair together. Many people were shocked about this week’s dancing with the star’s results especially Carrie Ann, who was surprised Romeo was kicked off at all. She thought Ralph Macchio should have been booted because he is injured with no return in sight. Stay tuned next week for more dancing with the stars results.

RIP Bob Marley

It’s true that in today’s digital world, a celebrity is created so quickly, and as they say – easy come and easy go. Who was that guy that sang chocolate rain again, or “I’m on a boat?”. Things have changed since the good old days ,but those who remember it, remember Bob Marley. Today we celebrate 30 years of Bob marley, his anniversary is today. All over the world people are seriously rejoicing at the fact that Bob Marley made the music that he did, had the political views that he did, and taught so much of his worldly knowledge with men women and children throughout the world.

Many people had no idea that Bob Marley was a very smart man. You can check out some of his credentials for sure, but he is a famous quote after another. Check out some Bob Marley quotes online and I guarantee you that you are going to be stunned. I for one had no idea he was so deep, so philisophical and so amazing in his lyrics.  Bob marley is remembered today for his music as well as his influence on Rastafari culture and all sorts of other musical genres. It’s really amazing how deep of a touch one man from Jamaica could have.

Bob Marley had a humble upbringing, he was able to connect with men and women all over the world with that. In today’s modern society, we call that “real recognizing real”. It is what it is folks, Bob Marley is and will remain to be one of the most famous musicians of all time. Connected through music and soul, there are few artists who have ever had the widespread touch that he has. Heck, some people visit Jamaica just to visit his house! R.I.P Bob Marley, May11, 2011

Who is the most caring Nation?

A recent survey has shown that Brits are amongst the kindest in the world. A survey was carried out to look at which nations were more likely to help out someone in need, and caring Brits came out near the top.

It looked at a number of different scenarios including how many people did volunteer work, regularly gave to charity or helped out a strange when in need. It asked people how many of those they had done in the last 30 days.

Maybe surprisingly, over 57% of Brits had undertaken an act of kindness over the last month. The survey which was undertaken by the Organisation for Economic Co-operation and Development’s Kindness threw up a number of other interesting results.

For example, Europeans are usually known for their laid backness and you would maybe assume that this would lead on to helping others. However in fact the bottom 5 countries were Greece, Estonia, Hungary, Turkey and Portugal.

Top of the league table alongside Britain was America, Australia, New Zealand and Ireland.

The survey also looked at other aspects of people’s life styles, including working hours. It showed that Britain was the ninth least hard-working nation, despite what we may think about how hard we all work.

As for shopping, we really are a nation of shoppers – the 4th highest shopping country in the world.

Full results of the survey are available and show up some interesting results. It is interesting to see just how much life styles, hobbies and working patterns vary between countries. No doubt a similar survey will be carried out some point and it will be interesting to see how much changes over the years when it comes to how we act, how much we work and even how much we give to those that really need it.

Has Britain Really Got Talent?

This weekend sees the start of annual reality TV talent show, Britains Got Talent. The show was launched by the same team as behind X Factor a number of years ago and has since created a number of national stars. Household names such as Diversity, Susan Boyle, Paul Potts and Spelbound all launched their careers as part of the show, which offers a cash prize as well as the chance to appear in front of the royal family at the Royal Variety Show.

However this year sees a major shake up with the judging panel, and only one original judge remains. Instead Simon Cowell and Piers Morgan have moved on to pastures new, being replaced by Michael McIntyre and David Hasslehoff.

Although both might seem odd choices for the judging panel you need to remember that ‘The Hoff’ has been a judge on Americas Got Talent so knows what he is talking about. McIntyre has worked the comedy circuit for a number of years, so really knows what it takes to keep an audience entertained.

Although none of the auditions have been shown on TV yet (It starts this Saturday) the media is already busy with who was good and who wasn’t so good. In fact many news papers have commented on the fact that they feel the level of talent has been as good as previous years, so what should we expect?

Can a reality TV show keep up year after year and still offer unique, amazing talent? Well so far X Factor seems to have done well with it, but who knows. Maybe the 2 shows are running their course and in fact this year won’t be as good as it has been.

The show starts this Saturday evening so you don’t have long to wait until you find out!