Avoid Loan Modification Scams with Legal Help

When financial difficulties make you unable to pay your mortgage, you are sure to be looking for a solution to stop losing your home in a foreclosure. In such times, you become susceptible to fraudulent individuals and organizations claiming to save your property through different methods. What you need is a real estate lawyer for help.

When you face such a problem, the reasons may be numerous – a sudden employment loss, death in the family, or any such others. The additional financial burden of mortgage just adds to your difficulties. Here are a few dos and don’ts that could help at such a time.

Do stay away from individuals and organizations that -guarantee’ no foreclosure. There is no such guarantee available. If someone claims to offer you this, in all probability you are walking into a trap.

Do not pay any upfront fees to anyone. If someone calls you or contacts you and asks for a -fee’ to stop your foreclosure, be very wary. No legal professional practicing in Illinois would do this; neither would they ask you to pay without doing anything.

Do keep in touch with your lender or lending institute. Communication with your lender/lending institute is important. Make sure you have a single point of contact. You could also ask your lawyer for guidance in this regard.

Do enquire regarding the programs available. You can contact your lender/lending institute directly to ask if there are any programs for homeowners who cannot pay up. You could also ask your Chicago real estate lawyer about federal and state programs.

Do not sign any document without proper understanding of what it contains. Whether it looks like a legal document or is a deed to transfer the title to your property, never sign anything without consulting a legal practitioner.

Do make a financial plan and keep essential documents ready. If you have no idea about your income and expenditure, you would never be able to work out a loan modification plan. Talk to your lawyer about creating the right plan suitable for you.

Do get help but from the right professionals. You sure need help to deal with this situation, but not from fraudsters. Opt for lawyers specializing in real estate and financial planning to handle this task properly. Check their qualification, certification and experience before you ask them for help.

Awareness is the key to avoiding loan modification frauds. Examine and analyze the resources before you start using them. This way it is possible to avoid shady means and methods for preventing foreclosure.

If you are searching for an Atlanta based criminal lawyer, or divorce lawyer, or the lawyer practicing personal injury, tax, civil rights etc., Atlanta Lawyer is one of the authentic lawyer resource that can show you the way.

Sweepstakes Scams Are a Form of Financial Elder Abuse

Sweepstakes scams continue to rack up victims, despite warnings to the public. Often, senior citizens are the target of these types of scams. Thus, sweepstakes scams are a form of financial elder abuse. In a typical sweepstakes scam, a fraudster contacts an elderly victim and informs them that they have won lottery. The catch is that the elderly victim is then told that they must send in money in order to collect the sweepstakes prize. California financial elder abuse attorneys warn senior citizens not to fall victim to sweepstakes scams.

Recently, the Federal Trade Commission announced that it is putting an end to one large sweepstakes scam based in Ventura County. The defendant in the case owned three companies that allegedly mailed out more than 3.7 million letters to people in more than 156 countries. In this case, instead of asking for large sums of money from senior citizen victims, they asked for smaller sums of money. California financial elder abuse attorneys warn the public not to fall for sweepstakes scams no matter how much money the fraudsters ask for.

In this case, the senior citizen victims received personalized letters with official looking seals, stamps and bar codes. The seniors were told that they had won millions of dollars and could get the money by first sending in a small fee of $20-$30 within a limited period of time. According to the Federal Trade Commission, the scam has brought in more than $11 million dollars, mostly from senior citizens. California financial elder abuse attorneys say that senior citizens are often targeted for these kinds of mailings.

One of the letters that was mailed out as a part of this scam states that the victim has been chosen from a pool of 250,637 names. There is fine print on the back of the letter that states that consumers will actually only receive lists of sweepstakes they can enter instead of a cash prize. According to the Federal Trade Commission, the fine print does not clear the company of wrong doing because the claims are misleading and victims do not get what they are promised. Frequently, people do not see the fine print and send in the $20-$30 fee.

Sweepstakes scams such as this are widespread and one of the top five scams targeting consumers, according to the Federal Trade Commission. The fact that sweepstakes scams successfully target senior citizens makes them another form of financial elder abuse.

Evans Law Firm, Inc. handles elder abuse cases in California. If you think that you have witnessed or are the victim of elder abuse then, contact Evans Law Firm, Inc. at 41

Basic Finance Formulas Free Assisted Information

I am confident that your pursue for basic finance formulas has approach to a conclusion as you read this article. Yes, are those days gone when we have to explore continuously for basic finance formulas information or other such information like financing, financial services, finance job or even msc finance. Even exclusive of articles such as this, with the Internet all you have to do is follow on and use any of the explore engines to find the basic finance formulas information you want.

Finance company focusing on the lending of money to customers, the purchasing of accounts receivable and the extension of credit to business. Write a living will in case you or your major other become seriously wounded or die and unable to make money choices.

Sellers can protect themselves at the outset by requiring the purchaser to prove his or her credit status before signing a contract. Buyers can easily get a mortgage prequalification letter or preapproval letter to show that they seem to be a good risk. This letter should give the seller with some quantity of comfort in going forward with the deal.

whether or not the monthly fiscal payment for the one piece of debt was the same as for the different units of debt, it makes sense to consolidate them, but the reality is that debt consolidation not only combines all the loans, and so on. Into one, but it also gives huge savings at the same time.

If this article still doesn’t answer your specific basic finance formulas quest, then don’t forget that you can conduct more search on any of the major search engines like Search. To get specific basic finance formulas information.

If you are not in a position to pay the entire amount you will currently pay only some of it, but you must plan on how you are going to repay the debt. Work out your future earnings and balance it with the amount you are able to afford to spend.

One of the best paths to find potential planners is by talking to others. If you already have an accountant, ask if they know of any planners that could assist with your current position. Check with friends and family or anyone else that you trust for referrals as well . It’s much better to get some first-hand recommendations before scouring the phone book or net.

monetary counsellor ( FA ) and finance expert ( FC ) are latest titles for stockbroker, broker, account executive or registered representative. Monetary advisors really should be investment advisers and monetary planners who take a holistic view of their clients’ financial wants and goals.

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Financial Professionals Are on the Front Lines in the Fight Against Financial Elder Abuse

A Wells Fargo financial professional recently helped to save a client from losing money in a scam targeting senior citizens. The 78-year old client thought that he won an overseas lottery. Instead, he became a victim of financial elder abuse via a typical lottery scam. The Wells Fargo professional prevented money from being sent offshore, however money from another bank was sent out. San Francisco financial elder abuse attorneys warn senior citizens that lottery scams are abundant. California elder abuse attorneys warn the public not to fall for lottery scams.

In this case, the senior citizen victim was contacted by unknown individuals claiming to be from the Costa Rican lottery. They told the senior citizen that he had won the lottery and that he could collect a $5 million payout. Then they told the senior citizen victim that there were some formalities and that they would need some personal information to verify his identity. Additionally, they told him that he needed to send money to pay off various taxes and fees associated with the money he had won. The senior citizen victim then went to one of his banks and transferred $88,000 to an offshore account. California financial elder abuse attorneys warn seniors not to transfer money overseas. San Francisco financial elder abuse attorneys say that sending money to offshore accounts is a very risky proposition.

Next, the senior citizen victim went to his Wells Fargo Bank and attempted to set up another transfer of $50,000 to an offshore account. This time the senior citizen got lucky. The Wells Fargo financial professional knew immediately that something was wrong and refused to go forward with the transfer. Since the senior citizen client was convinced that he was one transfer away from getting $5 million, there was an unpleasant exchange between the financial professional and the senior citizen. At that point, the financial advisor contacted the family of the senior and they helped convince him that it was a scam. The financial advisor helped prevent further financial elder abuse by refusing to transfer the money. San Francisco financial elder abuse attorneys say that financial professionals can play a role in the battle against financial elder abuse.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at

Premium Finance – Create Wealth And Retire Early

Hello, this is Lynette, a Relationship Manager from Premium Finance. I had the most delightful clients in the other day who wanted to go into an investment with their son and daughter -in-law, the motivation being that the son wanted to create wealth and retire early, not like Mum & Dad who were still working in their late fifties.They offered their home as security which was a lovely and generous offer however they didn’t understand the ramifications of doing this. The wanted to borrow the money from the bank in all their names and have a 25% share each in the investment.
The first issue I found was that Mum & Dad had very little superannuation and actually needed much more assistance then the young couple. If the four clients had of went ahead with their plans without seeking advise they would have held each other back in their attempt to create wealth. A bank will take the stand that even though the debt is in 4 names, they take it that each individual actually is responsible for 100% of the repayments on that debt. It is like the other 3 parties don’t exist. This would have resulted in all parties being liable for the debt and as a result each individual would have struggled on their income to obtain any more borrowings from the bank for future investment. This meant that they would have had only the one investment which would not have created the wealth they were seeking. The solution to the problem was that Mum & Dad did assist their son into an investment but in his and his wife’s name only. Mum & Dad also went into their own investment and are on target to do another investment in 6 months thus increasing their asset position and provide an income in retirement. Getting the right loan structure can be vitally important sometimes especially in this case and getting professional advise is a very wise move. Remember the Bank is not your friend and doesn’t have your best interests in mind – WE DO THOUGH !

One Sure Way To Find A Reliable Loan Modification,

Eventually you may need to pick a loan modification specialist. This can be very difficult if you don’t know what to do. One way to find a specialist is to do a little investigating, ask a few friends for advice, or consult some professionals who work in this area. Here are some guidelines.

One sure way to find a reliable loan modification specialist or modification firm is to ask people who have used the services of such professionals in the past. Personal recommendations might not give you many names. You may need to explore other avenues of finding help. There are other means of finding a loan modification specialist. Ask your local real estate broker. Due to the very nature of their business, they will know lawyers who have had experience with the procedures involved in foreclosure, financial disasters, and loan modifications.

A simple call to your local state bar association can assist you in finding a lawyer who has experience dealing with situations similar to your own. You might not be comfortable letting your lending institution know how difficult things are for you. However, a talk with the bank manager about your situation may also result in a recommendation.

A foreclosure attorney is another source of finding a loan modification specialist. Due to the nature of their business, these lawyers have dealt with loan modifications while representing their clients. They might be reluctant to offer a name, but you won’t know until you ask.

After you have done the research and found some possible loan modification specialists, narrow your list to three choices. Call the attorney or firm and ask if they would be willing to negotiate a loan modification on your behalf. Don’t jump right in to the process and start giving out personal information right away; take some time to get to know who you are hiring. Even then, never give out your mortgage ID number, driver’s license number, social security number or credit card numbers over the telephone

Writing An Effective Hardship Letter To Avail Loan Modification

A hardship letter is the most important piece of document required to apply for loan modification. Its substance and validity will make or break an attempt for a loan workout. This is a letter basically contains an explanation why there is a difficulty of settling mortgage amortization. It is only fitting to compose this letter carefully.

When writing a hardship letter, its important to remember to keep it short, concise but not arrogant. A one to two pages maximum letter is strongly advised. Take note that a lender does not have the luxury of time to read a novel-like hardship letter. This letter serves as outline of ones difficulty to pay for periodic amortization, so it should be direct.

Like any letter, begin with a proper salutation, use font type and size reasonably easier to read. Letter size or 8.5 by 11 inches will be the papers size; otherwise an A4 sized paper can be used.

Bear also in mind that there is a clear definition of the term “hardship” for availing loan modification. Such hardship should fall under listed by mortgage lenders. Such as bankruptcy of business, immediate relocation, or divorce from a spouse who is the co-borrower. There are still more to this, to be sure homeowners should check with their lender.

In the actual writing, the first sentence should tell why such letter is written. This may include the explanation that after all possible ways were exhausted theres still failure to meet with mortgage payments. Much of this should be in the first paragraph of the letter.

The second paragraph should describe the events that affected failure to make regular payments. This description should be done tastefully without being overly dramatic. Overly thought out explanation might appear deliberate and fake. Additional paragraph might be added to explain the intent for loan modification pursuant to financial difficulty.

It is also wise to give approximate, if not exact, duration of the hardship period. This will be the basis for the mortgage lenders to get a head start with its response for loan modification. The last paragraph should emphasize the desire to settle the loan, but asking for leeway, for the time being.

Then end the letter with parting words hoping for a loan modification, which will be favorable to both parties. It is also wise to mention about attachments to the hardship letter, which are proofs of financial difficulty claim.

A Market Data APIMaking an Interactive Financial Information Display Possible on Your Website

Why do you need a market data API in order to display financial data on your website? An API is an Application Programming Interface, an essential part of the interactivity of Web 2.0. A programming interface is like a foreign language translator-It allows one computer operating on one system to talk to another computer operating on another system. Imagine how complex this can be when computer systems are communicating with market data. When you are providing financial information on your website for your visitors, APIs are necessary to display all but static, non-changing information.

Look for a market data solutions provider that can offer several different code-based APIs or SDKs (Software Development Kits) to ensure that you can connect with data feeds and tickers for real-time, delayed, end of day, and historical information. Having access to a .Net, Java, or COM/Win32 API will make this communication more easeful. APIs should have both a server side component as well as a client-side component.

Sample code should be provided with source code available for your tech team.

Consult with your tech team first to determine whether your system would most easily connect to a .NET, Java, or COM/Win32 API. Then find the market data solution firm that can provide the appropriate API for your system. If you need a .NET API to receive market data, make sure it is written in fully manageable C# code and built within a .NET 2.0 framework. If it is a Java API that you need, of course, make sure it is written in pure Java. No external native libraries will be needed. The Legacy COM/WIN32 API should be available from your market data solutions firm if your system requires this type of interface.

If this all sounds like a lot of mumbo jumbo to you, just make sure that the market data solutions company that you select offers complete code samples, documentation, and complete customized tech support, regardless of the market data API available. Broadcast feeds should come in a format that compresses and consolidates direct feeds from any exchange. Check to be certain that they offer financial data feeds in raw or original exchange format, utilizing HTTP transfer in XML, CSV, and FTP. And most importantly, make sure that the data you receive is the most timely, accurate data available. Your data solutions firm must provide reliable figures, with transactions, inserts, and corrections reported as they are reported by the exchanges. Visit BarchartMarketData.com, where you’ll find more information about each marketdata API available and how to get started on posting your own white-label financial data feed on your company’s website.

Colin Snider lives in New Orleans, Louisiana. He is a promoter for local venues, including concert venues and clubs, in the city. Football is his favorite sport and he is a hardcore Saints fan. He also enjoys trading and investing in the stock market and relies of end of day data to make financial decisions

Loan Modification Process – A Waiting Game

Loan modification option is chosen by a homeowner only when he is overstressed by the non-repayment of his home loan and frustrated from the frequent reminder calls of his lender. This leads to a fear about the uncertain future and the threat of foreclosure. All these things work together and people apply for a loan modification process as the last and only hope. This in fact was the previous thinking but today with the efforts of the present government, mortgage modification process has been simplified and made feasible for every citizen of America.

Today loan modification can solve all issues regarding late payments of the home loan or the danger of foreclosure and restructure your loan into payments that you can easily afford and this will actually put you back to life. You need to stay positive and look into this loan modification matter in a different way because now this is your right and there is nothing like mercy sort of thing involved here. You need to hold your head up and keep the optimistic result in mind because the whole process will take some time and you will have to work patiently throughout the entire process.

Applying for a loan modification process is a systematic procedure and you need to find out the requirements of your lender first. This will help you plan further and collect the documents and arrange them according to the sequence of requirement. The documents should be supportive to the declarations and statements that you make while filling up the application form. You are also required to fill the form properly and in fact you should double-check it very carefully before submitting it so that not a single point is missing or left out. There have been many rejections only because the application form was not duly filled.

Then there is hardship letter that needs to be written in which you have to give in details of your hardship that can be your job loss, illness, divorce, being overstressed due to loan repayments or any other one. The hardship letter has a big role to play in the approval of the loan modification as many lenders have made it the decisive criteria for this program. So you should write an impressive and motivating hardship letter that has the capability to earn the lender’s sympathy and make him feel that you are the most eligible candidate for loan modification program.

Msc Accounting And Finance At The University Of Southampton

If you are thinking about applying to enrol on the MSc Accounting and Finance masters degree at the Management School at the University of Southampton, then here is a quick overview of the course.

The Accounting and Finance MSc course is designed to meet the needs of students who have some knowledge of accounting and finance and who wish to extend their knowledge to an advanced level.

Students who have studied very little accounting or finance and have little relevant work experience are likely to find the programme very challenging indeed.

This MSc Accounting and Finance masters degree course consists of a core covering the main areas of accounting and corporate finance, and a research methods course that supports the dissertation.

Options available on this programme of study allow students to study particular aspects of accounting or taxation in more depth.

For example, there is a pathway within the programme that allows students to concentrate on research-oriented training and more advanced aspects of accounting and finance.

Your understanding of the subjects covered and your ability to use the knowledge and skills gained will be enhanced through a variety of methods and strategies on the MSc Accounting and Finance masters degree.

If you wish to apply to study this MSc in Accounting and Finance you should complete a University of Southampton application form and return it to the Academic Registrar.

Your application to study MSc Accounting and Finance will be carefully considered by a specialist member of the academic staff who will weigh up many factors; not only your academic achievements, interests and aptitudes, but also your motivation and your referee’s confidential report.

At the Management School we make our decisions in most cases on the application form and supporting documents alone. However, candidates who require special consideration, e.g. on grounds of age, disability or non-standard entry qualifications may be interviewed.