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Hcg Drops with the Hcg Diet Takes Over the Slimming World

August 30, 2011 By

Do you need to lose some weight? If so, you might wish to know that the Hcg diet is sweeping the weight loss world and that tens of thousands of people have been getting the results they want from this no-nonsense diet which makes use of Hcg drops.

So what’s all the fuss about really? What makes the Hcg diet different from the scores of other diets out there today are the results it obtains – it’s that plain and simple. You can easily and safely lose up to two pounds per day and get on the fast track to a slimmer, trimmer and more healthy new you. Hcg or human chorionic gonadotropin is a hormone which is naturally produced by women while pregnant. The job this hormone plays is that it ensures that the growing fetus gets enough nutrients to develop as it should. The hormone makes the mother’s fat available which meet her nutritional and energy requirements even if she is not eating well.

A doctor discovered that small doses of this hormone given to overweight adults dramatically cut their appetites and make them lose weight. Today, people all over the world are using Hcg drops to help them drop unwanted fat from their bodies. The Hcg diet can be used by people who only need to lose a few pounds as well as by very overweight individuals who need to drop a lot of weight. Once Hcg is ingested, your body can utilize its stored fat and use it for energy. When you combine the hormone with a low calorie diet, you can burn up to 4000 calories a day of stored fat which equates to you being feasibly able to drop one to two pounds of weight a day which is quite impressive indeed.

Just like with any other sensible weight loss diet out there, you will have to want to lose weight. This means that you will have to follow a 500 calorie a day diet while you are taking the Hcg drops and you also should commit to getting at least a few minutes’ worth of exercise in daily. Simply taking a brisk walk everyday is sufficient as it will help you burn calories quickly and turn fat into muscle which should result in you losing inches off your hips, thighs and buttocks.

If you are serious about dropping those extra pounds you’re carrying around once and for all, find a site to use online which sells the Hcg diet program. You will receive a bottle of Hcg drops, a B-vitamin complex, the Hcg diet manual and protocol as well as lots of helpful tips and tools including a handy grocery list you can use when shopping for food. Quit putting off those plans to diet and start the Hcg diet today – many others have and they are now slimmer and happier because of it.

 

 

Filed Under: Health Tagged With: ,

Your Premier Austin Dentist – Westlake Premier Dentistry

August 25, 2011 By

Heath maintenance is one of the most vital aspects of the health of an individual. If there are alterations in one’s health, it may affect the total well being of an individual. Dental aspect is one facet in your health that you have to give some extra attention to. If you are living in Austin or in the vicinity, Westlake Premier Dentistry is one of the best Austin dentist’s you can go to. There are lots of reasons why you should choose Westlake Premier Dentistry other than the other dental facilities in this place.

The services that you can get there are the most professional ones in town. With this dental facility, you will be dealing with only the best and credible dentists in Austin. That is why there is no way for you to receive second rate service. Westlake Premier Dentistry understands that you need to feel the best professional service for you that is why they only have licensed dentists to cater to your concern.

At WPD you will feel that you are just in a home service. The staffs and other dental health care team who will entertain you will make your stay in this place worth cherishing. They are all friendly so there is no gap between the dentists and the patients. This is one of the secrets of Westlake Premier Dentistry, the reason why their previous clients are coming back again in again in order to avail of the services that they need

WPD Austin dentist office will also provide you with a very relaxing environment. This is an aspect in the dental health institution that must be paid with extra attention. When the environment is relaxed, the nervous feelings of a person will be eased away. The relaxing environment in this place is not just for adults but is also helpful in calming feared kids. The right pedia approach technique is used by the personnel of Westlake Premier Dentistry. This goes to show that this is also a nice place for all ages with dental problems.

The equipment that you will see in Westlake Premier Dentistry is also a cutting edge in their service. They are using the most advanced and the freshest dental facilities available at this point in time. Because of this, you are assured of the best dental services. The normal dental session duration will be lessened because of the use of such dentistry tools. This is a great advantage you can enjoy from WPD along with the best and renowned Austin dentists in this dental facility. Because of the excellent features of the equipment they use, rest assured that your dental problem will be given with solution in no time.

If you are looking forward to availing of the services of these best dentists Austin, you can easily find their office. Westlake Premier Dentistry is right on Bee Cave Road which is found near Mitra Vista Shopping Center. This is just minutes away from Austin’s downtown. Though you will get the best services ever, its service prices are very much logically set. They will ensure that your money will be worth spending.

Filed Under: Health Tagged With: ,

Will A Bank Settlement Stop Foreclosure Fraud And Really Help America

July 29, 2011 By

 

stop foreclosure

It’s been over four months now since the nationwide foreclosure probe into the country’s largest Banks began, and approaching a year since the revelation of “robo-signers” and shocking news that Banks and Lenders have been illegally foreclosing nationwide. But as talks to reach a multi-billion dollar settlement continue, the question on many peoples’ minds is whether or not a settlement will stop foreclosure fraud and really help American homeowners. The unanimous answer, NO!

Clouded Title Foreclosure Fraud and Constitutional Rights

According to Rick Haughton, a consultant with ForeclosureFraudExposed.com, A Bank settlement is not the answer. Homeowners have suffered enough and Pretender Lenders have fleeced billions in government bailouts, tax breaks get out of jail free cards. The reality is that approximately 86% of all foreclosures nationwide have clouded title issues. The depressing fact is that the vast majority of Americans who are falling victim to foreclosure fraud actually have legal standing to challenge, stop the foreclosure and save their homes.

This issue, while widespread, is by no means a small one. “If a Pretender Lender cannot prove through legal documentation that they have interest in the property, then they must be removed from title, the register of deeds, and the homeowner must be given clear title to the property,” said Haughton. Why continue paying for a alleged debt that is not valid. Most homeowners, regardless of socioeconomic status are essentially paying a non-existent loan on a home to which the collector has no valid claim or rights to collect on the alleged debt.

Widespread foreclosure fraud, fabricated documents, securitized home loans, the involvement of “MERS,” missing assignments and many other factors can also cloud title. Homeowners need to be aware of these signs and elements of foreclosure fraud if they wish to save their home before it’s too late. The fabric foundation of what homeowners must realize is that this is standard Real Estate contract law 101. A valid claim must exist for a proper party to receive a valid reward. If a valid claim with proof of interest does not exist, the claim is null and void, and the party must be removed.

The Ripple Effect Foreclosure Fraud No Jobs and Clouded Titles

stop foreclosure

According to Haughton, homeowners have the only rightful claim to the property, which is reflected in the warranty deed. “Pretender Lenders are simply playing a numerical game.” They’ve invested hundreds of millions of dollars in analytics and demographic studies, and have known well in advance what percentage of the housing population would fight to stop foreclosure fraud, and what percentage would just walk away from the property. “The key ingredient that 99.9% of homeowners don’t realize is that Pretender Lenders have taken out what’s called foreclosure insurance on the property,” echoed Haughton. It’s not about the properties, and Pretender Lenders can care less about who becomes victim to foreclosure fraud and ends up on the streets. This is a vicious game of control and greed but most importantly, misdirection. 1000′s of homeowners have fought and saved their homes. More and more homeowners still need to wake up, fight, and claim their home which is rightfully theirs.

To continue reading the rest of this Article, and learn more about how to Stop Foreclosure and Save Your Home, please visit: ForeclosureFraudExposed.com

ForeclosureFraudExposed.com is the Internet’s leading, most detailed and organized foreclosure defense website, helping 1000′s of homeowners understand the foreclosure process, locate their securitized loan, and learn the various ways to fight and stop foreclosure and save their home.

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

 

Filed Under: Business, Careers, Celebrities, Education, Finance, Health Tagged With: , , , , , , ,

Electric Cigarette Review Site ‘V2 Cigs Review’ offers 40% discount over July 4th Long Weekend

July 2, 2011 By

Storewide 40% V2 Cigs Coupon Code Exclusively Offered By Independent Electric Cigarette Review Site ‘V2 Cigs Review’ July 4th Long Weekend

All new site, ‘V2 Cigs Review’, Celebrates Independence Day By Offering A 40% Off e-Coupon on V2 Cigs All July 4th Weekend

Launching this Fourth of July as an all new review site, V2CigsReview.net is celebrating the extended weekend with an exclusive, limited time offer. Throughout July 4th weekend, enjoy savings of 40% off V2 Cigs electronic cigarettes and accessories storewide.

SAVE BIG with a Special 25% Off V2 Cigs Coupon Between July 2-4th And an Additional 15% For A Limited Time That Equals to a Combined Total Savings of 40% Storewide This July 4th Weekend

As part of V2 Cigs Review upcoming launch this weekend, the independent e-Cigarette review site is proud to unveil a special offer for V2 Cigs customers with a generous discount throughout the long July 4th weekend. Starting July 2nd leading all the way through July 4th, customers can place an order from renowned electronic cigarette provider V2 Cigs at a deep discount of 40% off retail price. By combining both V2 Cig’s Fourth of July e-Coupon – the ‘Biggest Sale of The Year’ and an exclusive coupon found on V2CigsReview.net, customers new and old can enjoy big savings on V2 Cigs products for three days.

Though V2 Cigs Review is able to offer its 10% discount coupon on V2 Cigs all year long, the opportunity to utilize both the 15% and 25% coupon codes for a combined 40% off is a time sensitive offer. V2 Cigs has even gone on record to publicly state: “There will not be a 25% off sale for the rest of 2011, don’t miss this chance to enjoy V2 Cigs at an affordable price!”

For those hesitant to make the switch to electronic cigarettes or for those who have always been curious to try an alternative, now is the best time to try V2 Cigs at an affordable price. With the exclusive 40% discount, V2 Cigs starter kits total just a little over $40. Those savings make the e-Cigarette starter kits arguably the lowest priced kits available online. This July 4th, V2 Cigs 25% Off “Biggest Sale of The Year” discount and the launch of V2 Cigs Review (with an additional 15% off) gives consumers the best chance of the year to purchase a top tier American electronic cigarette product at an incredibly low price.

V2 Cigs Review offers a brand new website tailored to independent and user reviews that are unbiased and specific to the V2 Cigs brand. Though the site will offer information specific to V2 Cigs such as news, product reviews, and future discounts; each review is both informative and impartial. Focusing on the consumer rather than trying to please a company, V2 Cigs Reviews’ unabashed advice and guidance to smokers both new and seasoned provides the best independent information available. Each piece is written by unapologetic industry experts specializing in e-Cigarette products such as founder James Oliver (an expert on Evaporizing).

Smokers have an opportunity to save 40% off on virtually any V2 Cigs product available online. While the steep discounts may entice those looking for a low entry cost in switching from traditional to electronic cigarettes, current e-Cigarette users can also benefit too. Those who use KR808R-1 compatible e-Cigarettes, either from V2 Cigs or various other models such as: White Cloud’s Cirrus, Vapor4Life, Vapor King, Bloog’s Fusion/MaxXFusion, eSmoke PRO, or SmokeTip, can take advantage of the 40% discount by cutting their expenses during this very special weekend.

Based in Florida, USA, V2 Cigs is by far one of the most reliable, high performing e-Cigarettes available in the market today. Rated number one by many online e-Cigarette review websites, V2 Cigs offers high quality products that are dependable and proven to provide the most authentic smoking experience possible.

This offer starts July 2nd and goes through Monday, July 4, 2011 at midnight EST. Discounts are valid for all V2 Cigs Starter Kits, cartomizers, and various accessories. For In-depth reviews, expert buying advice, and discount coupon codes as well as more information on how to save 40% off this July 4th weekend with the exclusive V2 Cigs coupon, visit V2 Cigs Review at: http://www.v2cigsreview.net .

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The Mindset of American Homeowners Trying To Avoid Foreclosure Fraud

June 15, 2011 By

 

Foreclosure is a life changing event that affects families far beyond losing their physical possessions. A home is where many make their memories, where their kids grow up, and much more than just a physical house. Being aware of the potential long term effects of foreclosure and how to stop foreclosure before it dramatically affects one’s life is crucial to know.

The first emotion many homeowners feel when are faced with the possibility of foreclosure is fear. People are often afraid of what’s going to happen next. What will happen to their home; their family, where will they go? These questions plague homeowners and many times they are so affected by fear that depression results, and paralyzes them from looking for alternatives to foreclosure. During this paralyzed state homeowners do not see all of the possibilities and where they can potentially fight foreclosure and save their home.

According to ForeclosureFraudExposed.com , homeowners are depressed about the reality of their situation, of losing their home, and in many cases about their job which they have already been let go of. Unemployment is one of the leading factors causing foreclosure, and with the economy in a recession and not improving, many people see themselves with a bleak future. Many household which previously relied on two incomes are now relying on just one income or perhaps none at all. Relying on unemployment benefits to cover a $2,500 mortgage is not going to cover one’s bills.

Homeowners also worry about the long term effects of them getting a home in the future and their credit. Where will they live if they are forced out of their homes? Many times homeowners must wait years before trying to buy a new home if they experience a foreclosure, and the credit bureaus report foreclosure for approximately seven years. This negative reporting on their credit will hinder their ability to buy things and be approved for loans in the future.

Another emotion homeowners may experience is guilt. Guilt that they took out a loan they could not repay. This type of guilt in many cases is not their fault though, since many times folks are taken advantage of by predatory lending and illegal foreclosure practices by pretender lenders.  As a homeowner you need to be aware of the potential effects that foreclosure can have upon you and your family. It is equally important to know that you have rights to stop foreclosure, save your home and not fall victim to foreclosure. In many cases, the foreclosing party does not have the right to seize your home, but since most homeowners don’t stand up and voice their rights they illegal get foreclosed on. The solution to this is to know your rights when it comes to the foreclosure process, thereby avoiding the effects and preventing foreclosure altogether.

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

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

 

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Stop Foreclosure: Foreclosure Fraud Affects 2 Million Children Nationwide

June 14, 2011 By

 

Millions of families each year suffer from the devastating results of foreclosure fraud, but many times we do not consider the long term effects that foreclosure has upon some of the worst hit victims, children. While most parents are consumed with the consequences and realities of foreclosure and what they must do to save their families and put things back together, children often feel the long term effects of foreclosure as well.

The Center for Responsible Lending recently reported that since 2009 nearly 2 million children have been impacted by foreclosure. It is widely known that kids who are raised and subject to unstable surroundings are more likely to experience social and developmental challenges. Children often times hear what their parents are speaking about and the distress and emotion that parents experience from foreclosure, often times transfer onto their children. A lot of times children begin to feel as though they are a hardship and burden to their family and as a direct result, behavioral changes take place. They may first become more withdrawn, quiet and introverted, with a decrease in appetite and general desire for things.

As the family’s finances begin to run out, children may need to quit activities and sports they are in, simply because of the price. As family vacations are cut out and the general feeling of “fun” and happiness diminishes within the family, children tend to get even more withdrawn and depressed. They feel as though their “normal” life has fallen by the wayside and there is no more fun left to be had. Children sacrifice the exact things they loved about being a child – sports, hanging out with their friends, vacations, and having fun. The effects of foreclosure and foreclosure fraud impact a lot more than just a family’s address and the stress on parents. Foreclosure has far reaching impacts on the whole psyche of a child.

Uprooting children from their familiar environment, such as school and friends, and planting them into to a new unfamiliar environment can be traumatizing. As a result, children often become depressed, angry, and turn to drugs and crime. Because of the instable environment, many children exhibit behaviors related to lack of confidence. Many begin having lower grades in school and less interest in things they used to do.

It is important to realize and be aware of the potential affects that foreclosure fraud can have on children, especially if you are currently in foreclosure or may experience it in the future. Foreclosure fraud is a crime by itself. Yet the behavioral changes that often take place in the lives of children, poses an even bigger crime. According to ForeclsoureFraudExposed.com , in many instances, foreclosing banks don’t possess the proper documentation to show standing to foreclose. The challenge is that most homeowners aren’t aware of their rights as land owners.  Often times, the rights of many homeowners are given up, due to failure of questioning the foreclosing party, and forcing them to prove their alleged right to force foreclosure. Families nationwide don’t have to fall victim to foreclosure fraud, as there are many options and resources that can be used to stop foreclosure and help save ones home.

To learn more about Foreclosure Fraud, Foreclosure Defense, and How To Stop Foreclosure, Please Visit: http://foreclosurefraudexposed.com

ForeclosureFraudExposed.com is the Internet’s leading website, providing real foreclosure fraud information to homeowners, explaining down the foreclosure process, foreclosure defense, how to stop foreclosure, 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

 

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Stop Foreclosure Assistance For Military Servicemembers

June 6, 2011 By

Foreclosure fraud is quickly becoming an issue that countless American homeowners, including military servicemembers, are faced with today. If you or your loved ones are actively serving in the military, or you are a family member of a deceased military servicemember, you have additional options to receive foreclosure help and stop foreclosure fraud through federal programs.

For decades the government has created additional programs for active military servicemembers to aid them with financial problems such as foreclosure. According to Rick Haughton, former Mortgage Lender, Investor, and now Consultant with ForeclosureFraudExposed.com , the idea behind many of these programs, such as the Servicemembers Civil Relief Act (SCRA), is that military personnel should not be burdened with home foreclosure issues while they are serving for their country. “A Military Servicemember distracted with the threat of foreclosure, cannot be focused nor perform to the best of their abilities, and the government has introduced the SCRA to help curb that,” said Haughton

Yet despite the thousands of active military personnel who have sought relief from foreclosure under these federal programs, pretender lenders have continued their illegal foreclosure fraud methods and violate the provisions of these programs. Just within the past week, Bank of America and Morgan Stanley settled an unlawful foreclosure case against them to the tune of $22.4 million. The settlement only addressed a fraction of the real monetary value they should have paid military personnel who had their homes illegally seized and foreclosed on, but the case itself was a good example of how military servicemembers came together to fight foreclosure actions that were being taken against them.

“It’s great to see that military personnel are starting to take advantage of the government programs and additional foreclosure help that is available to them,” echoed Rick Haughton. “Too frequently American homeowners, including military servicemembers, do not seek foreclosure help and assistance due to lack of information. Many feel paralyzed by their situation and as a result, fail to take action. Luckily for military servicemembers they have additional resources and programs available to them to delay foreclosure while a plan to stop foreclosure fraud entirely is crafted.”

“With military personnel, it’s a lot more black and white when it comes to foreclosure fraud. They have additional laws and provisions that protect them such as the Servicemembers Civil Relief Act (SCRA) and the newly expanded Military Homeowners Assistance Program (HAP), where military personnel can receive more foreclosure help and assistance than ever before,” Haughton elaborates. “A portion of the government stimulus program passed in 2009 by President Obama, the American Recovery and Reinvestment Act, allocated over $555 million dollars to the HAP program. The additional funds provide military servicemembers with foreclosure help, assistance with rent, and other forms of financial aid.”

“The first thing military servicemembers should do if in need foreclosure help is determine what stage they are at. Are you behind a few months? Have you received a notice of default on your mortgage? Or have foreclosure proceedings already been brought against you” Haughton explains. “It’s important to know your starting point, and determine what type of program or assistance will help you moving forward. “If a servicemember is already amidst foreclosure proceedings the plan would be to examine the SCRA, which can aid in up to a year of foreclosure stoppage” stated Haughton. Very frequently pretender lenders don’t pay attention to whether or not a person’s home is owned by military personnel or not. As a military servicemember you have additional protections available to you to help you protect your home against foreclosure fraud.

“The reality is that pretender lenders don’t possess the necessary documentation to foreclose. Civil rights of servicemembers and American homeowners are invalidated everyday because most just assume that to not pay a debt makes them at fault, which is not the case. It starts with knowing the truth and standing on the rules till justice is served,” echoed Haughton. Foreclosure Fraud is a crime, but if servicemembers and homeowners don’t fight for justice, the crime will continue.

To learn more about Military Foreclosure Help, Foreclosure Defense, 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, fight for their rights are, and learn how to stop foreclosure and not fall victim to foreclosure fraud.

ForeclosureFraudExposed.com is the Internet’s leading website, providing real foreclosure help to Military Servicemembers and 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

 

 

Filed Under: Business, Careers, Education, Finance, Health, Home & Garden, Uncategorized, World

ForeclosureFraudExposed.com Provides Stop Foreclosure Help To Homeowners Lost In The Complicated Foreclosure Process While Battling Foreclosure Fraud

May 27, 2011 By

Los Angeles, CA (PRCarbon) May 27, 2011

ForeclosureFraudExposed.com is an Exclusive Membership website for homeowners who are looking for step by step foreclosure help, and foreclosure defense to stop an immediate action.

As homeowners across the country continue to be affected from a declining economy, loss of income and high gas prices to go along with consumer goods; there is one thing that still remains unchanged: The amount of foreclosure help available to homeowners nationwide, fighting against foreclosure and foreclosure fraud.

Each and every night homeowner faced with foreclosure search endlessly for foreclosure help to no avail. No real foreclosure defense programs have been created to truly assist homeowners, help them keep their homes and stop foreclosure. According to Rick Haughton, a former Mortgage Lender, Sophisticated Investor, and now Consultant at ForeclosureFraudExposed.com, if homeowners, all homeowners nationwide decided to exercise their freedom of speech and protest foreclosure and foreclosure fraud, a nationwide freeze on foreclosure would be the result, immediately. Haughton further explains that most homeowners believe that fraud of some sort exists on their loan documents. The problem is no foreclosure help exists to help homeowners dig further, uncover the fraud, and save their homes.

Homeowners want and need help desperately. Quiet Title action and Uniform Commercial Code (UCC) laws, are two of the most successful foreclosure defenses used in permissible States. The biggest challange is fully understanding the the angles Quiet Title and the UCC. Ideally that’s where a good Attorney would come in. Unfortunately, most cannot afford proper legal representation and the ones that can afford legal representation cannot find reliable Attorneys to take their case. “It’s a vicious cycle of frustration and confusion,” said Haughton. “The problem is that most Attorneys aren’t completely schooled on foreclosure defenses. Therefore they can’t help. And the Attorneys who can help have been paid off to represent the pretender lender banks. So not only are homeowners who are looking for foreclosure help fighting against pretender lender banks, but they’re fighting against Attorneys who have been paid off by the other side, to lie, cheat, and do everything possible to ensure foreclosure,” said Haughton.

It’s in the best interest of all homeowners who want to stop foreclosure to buckle down and learn the REAL ways of foreclosure defense. It’s the homeowners’ job to seek out the right information that can help them with their immediate foreclosure problem, and then once found, take immediate action.

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

 

Filed Under: Business, Careers, Celebrities, Education, Finance, Health, Home & Garden Tagged With: , , , , , , , , , , , , , ,

The Truth About Foreclosure Fraud And Loan Modifications

May 26, 2011 By

For many families that are behind on their mortgage or simply cannot meet their financial obligations, a home loan modification is an appealing and popular option. Homeowners must stay on alert however, since home loan modification scams have swept the country and left many families in mortgage default and foreclosure. Don’t allow yourself or your family to become one of the statistics. Know the facts and signs of loan modification scams and how you can avoid them.

In order to combat loan modification fraud, homeowners must first realize that the loan modification process is a form of foreclosure fraud as well. Below are a list of the most common illegal loan modification practices, provided to you by ForeclosureFraudExposed.com :

  1. The company requires a large upfront fee to begin
  2. They “guarantee” they will be able to provide a modification without even examining or seeing any of your information
  3. The company tells homeowners to stop paying their mortgage; and that they must be 9-days behind before any assistance  can be provided
  4. They guarantee that because of their relationships they are able get modifications approved

If you have been approached by a loan modification company that exhibits any of the above practices, beware. It’s a highly probable sign of foreclosure fraud waiting to happen. The percentage of successful loan modifications throughout the country is less than 13%. One of the biggest issues and also contingencies for receiving a loan modification is the 90-day trial period, which a homeowner is set on where they do not pay their mortgage, or only pay a portion of it. This is a problem for many reasons. First, by not paying the mortgage in full each month during the “trial period” homeowners are at risk of default and possible foreclosure.

This is a form of foreclosure fraud, whereby a homeowner in need of foreclosure help, is forced into a worse position of default. By making payments less than the alleged amount due, homeowners risk receiving a notice of default, commencing foreclosure action. This typically happens due to non-acceptance into a loan modification program at the end of the 90-day trial.

There is no safety net when it comes to loan modification scams and foreclosure fraud. Foreclosure help to homeowners is available through several different means. As a homeowner, it starts with knowing what your legal rights and obligations are to debt collection companies. In many instances, a debt does not exist. Approximately 85% of home loans that originated over the last 10-years were packaged and pooled together into what is called a mortgage backed security. Another popular term is called securitization.

In a recent California foreclosure fraud court ruling, securitization and the assignment of mortgage loans, by debt collectors and Mortgage Electronic Registration System, was deemed improper, and dismissed, in favor of the homeowner. This is another huge issue that has been tying up legal court cases across the country as well. The best foreclosure help against loan modification scams and to prevent foreclosure is to become educated on your situation, the facts, and the truth.

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

More on Foreclosure Fraud Exposed

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, how to get everything in order, and how to stop foreclosure? Please visit http://foreclosurefraudexposed.com for more information.

Filed Under: Business, Careers, Education, Finance, Health, Home & Garden, Uncategorized, World Tagged With: , , , , , , , ,

American Home owners Stop Foreclosure Fraud with Use of the Uniform Commercial Code

May 23, 2011 By

More and more each day homeowners across America are beginning to “get it” and are fighting to stop foreclosure fraud. But for many families, especially ones that are representing themselves in court, they do not know where to turn to in order to legally support their facts and defend their homes against Foreclosure Fraud.

“Many homeowners who are fighting to stop foreclosure fraud are aware that Pretender Lenders aren’t a real party of interest and lack standing to foreclose. They have evidence of foreclosure fraud, robo-signers, fraudulent notaries and much more, but they don’t know the proper foreclosure defenses that actually make up the key pieces to the puzzle, that make the foreclosure illegal,” explains Rick Haughton, a former Mortgage Lender and now Consultant at Foreclosure Fraud Exposed. “It starts with documentation and taking a trip down to the Register of Deeds to make certified copies of everything on record. It’s evident that homeowners are aware that fraud of some sort exists, yet many struggle to understand the technical aspects of the law well enough to prove it on their own in court. This is where the Uniform Commercial Code or UCC can play a very key role.”

The UCC has been adapted by all states; California, Florida, New Jersey, Nevada and New York and North Carolina have enforced it more frequently in recent homeowner victories. The UCC clearly outlines rules that govern commercial transactions, including mortgage promissory notes and important issues such as who has “possession” of the note, or who is the “holder” and can legally enforce it.

Section §3-301 of the UCC describes “Persons entitled to enforce instrument” which means (i) the holder of the instrument, (ii) a nonholder in possession of the instrument who has the rights of a holder, or (iii) a person not in possession of the instrument who is entitled to enforce the instrument pursuant to Section 3-309 or 3-418(d). The important thing to note hear is that if a Pretender Lender or other party is trying to foreclose and cannot produce the physical mortgage Note and does not have documentation to prove that they have the rights of a holder, they cannot legally foreclose.

Homeowners nationwide have been wising up over the past couple months, learning about the foreclosure process, and effective foreclosure defense tactics to save their homes. “This has been evident from the increased spike in traffic volume, new member registrations, and the average time members spend on the site learning what steps to take in fighting foreclosure, which has increased to an average of 3.6 hours daily per member,” echoed Rick Haughton.

“In the situation where a person’s Note has been lost or destroyed through securitization, the UCC Section  §3-309 describes what is required to prove that a party can enforce the Note,” Haughton elaborates. “You see, if a Pretender Lender has lost a person’s Note, they have to prove that at the time the Note was lost, stolen, or destroyed they were entitled to ownership or can prove that they acquired it legally from the owner of the Note. They cannot just show up and claim the Note is quote unquote ‘lost’ and expect to have full ownership rights and enforcement to the mortgage, including the right to foreclosure.”

Yet in too many instances, this is exactly what happens because uneducated homeowners don’t know proper foreclosure defense. Too frequently homeowners are unaware of these foreclosure defense measures and go up against the Pretender Lenders unprepared. The ultimate result the majority of the time: homeowners lose and fall victim to this nationwide foreclosure fraud.

“If a homeowner is properly educated and has invested time in learning the foreclosure process to support their claim, there should be no reason why they cannot be able to deliver a solid case themselves, or seek professional counsel at that stage for additional support and have a positive outcome to save their home,” Haughton stresses. “It’s more important now than ever that homeowners know the facts about foreclosure fraud, foreclosure defense, such as the UCC, and how to structure their foreclosure case to receive proper foreclosure help from professionals. This is how to build a solid foreclosure defense against Pretender Lenders and 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

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