Denied Mortgage Modification

I frequently hear clients say they were told to not pay their mortgage for 3 months so they can apply for a mortgage modification. Then, after submitting all of the paperwork, the modification is denied. Or, they’re just put into a trial period, the whole while believing that their mortgage is modified. Then they really are surprised to be served by the Sheriff with foreclosure documents. They really are rightfully scared, confused and hopeless. They wouldn’t have asked to get a modification if they could afford their mortgage in the first place and now the bank is telling them to pay a minimum of those three months that was not paid so they can apply for a modification or be faced with the prospect of losing their home.

Sometimes, rather then endlessly arguing with the bank, homeowners benefit from meeting with a lawyer knowledgeable about the mortgage modification process or an experienced bankrutpcy lawyer. Many people asked for help with a mortgage modification from their bank hoping to avoid filing for bankruptcy. Some people think that when they file for bankruptcy, they will be forced to sell or lose their home. This is usually not the case. Filing for bankruptcy can sometimes be the only real choice to save your home. In order to learn if bankruptcy may help you, you may want to consult with a local bankruptcy lawyer. If you’re considering filing for bankruptcy in order to protect your home, please don’t wait until the sale date is scheduled. The bank might have dragged their feet with respect to your modification, but time is essential and the earlier you speak with a bankruptcy lawyer, the more options could possibly be available to save your home.

A chapter 13 bankruptcy is the primary chapter of bankruptcy used to stop a mortgage foreclosure. There are very few requirements to qualify to file for a chapter 13 bankruptcy. A chapter 13 bankruptcy will allow you to pay off your past due mortgage amounts over a time period as opposed to right away, like the bank wants.

Only a licensed attorney can provide a homeowner legal advise regarding their situation. There are many ways to locate a qualified lawyer. For example The National Association of Consumer Bankruptcy Attorneys is often a helpful resource in helping distressed homeowners find a qualified lawyer who’s experienced in both mortgage modification issues and the advantages of filing for bankrutpcy protection as it relates to stopping foreclosure proceedings.

Jane L. Weatherly, Attorney at Law, PLLC is a bankruptcy law firm located in Raleigh, Wake County, North Carolina, The firm is a debt relief agency and assists consumers file for protection under the United States Bankruptcy Code. For more information, please call (919)758-9296 or visit .

Star Wars An Epic In Space Opera Franchise

Star wars can be said as an epic in space opera franchise conceived initially by George Lucas. Star wars was released on May 25, 1977 under 20th Century Fox banner and soon became popular worldwide. Star wars films has generated a total of $4.3 billion box office revenue, making it the third-highest grossing film series. The franchise has also spawned other media starting from television series, books, comic books and video games resulting in the development of the series fictional universe.

The events developed in the star wars media take place in a fictional universe. The expanded universe and the alien creatures are depicted. Space travel is a very common thing that can be seen in the entire series. One of the most prominent element of the star wars is the Force, a form of energy that is omnipresent and can be harnessed by those who have ability to do so. The force allows the user to perform certain things that are supernatural and also amplify certain physical traits such as speed and reflexes. It is also looked as the dark side, when pursued, imbues the user with hatred and aggression leading to violence.

The series features many elements like Jedi knights, princesses and witches which are usually related to archetypes of the fantasy genre. The series feature sleek and futuristic settings, portrayed as dirty and grimy. In the early stages the concept of star wars was rejected but later the 13-page treatment written by Lucas lead to the remake of Akira Kurosawas The Hidden Fortress. Later on certain elements were added to the treatment such as the Sith, the Death Star, and a young boy as the protagonist named Annikin Starkiller, who later on became Lukes father, a wise Jedi knight. Here the force was introduced as a supernatural power.

The film became more satisfying as a self-contained film, ending with the destruction of the Empire by way of destroying the Death Star. With the success of the Star Wars, the film was elaborated as a series creating an independent film making centre. The term expanded universe is widely used and explained well in Star Wars. George Lucas retains artistic control over the Star Wars universe. The elements of the Expanded Universe has been well adopted in the film. To date, six films and three animation series have been produced for the television, with a live action series and a 3D-CGI animated series as well as Full length theatrical movie. In addition to the trilogies, several authorized films have also been produced. The Star Wars saga has also inspired many fans to create their own apocrypha set in the Star Wars galaxy.

The Medical Insurance Phenomenon

If you are driven with the notion that you can buy medical insurance when you are about to be hospitalized, then you are wrong. Medical insurance India generally covers an unexpected event; so, you cannot buy one to meet your existing expenses. But after being insured, if you get hospitalized, the insurer does take care of the expenses. Get a medical insurance cover right from teenhood and continue the same throughout your life. This way you will be continuously and sufficiently covered in case of any eventuality. For every claim free year you do get discounts; by the time you reach a particular age, you pay only a very negligible amount and the benefits you avail cannot be measured. Children get automatically covered in a family insurance plan.

Most companies provide health insurance to their employees; if you are a fortunate part of that section, you are automatically rewarded. But if you have a family, you should find one that is adequate to your familys needs. Do look for the critical ailments covered as well as the network hospitals. If you are not cautious you may end up spending a lot of money for a particular treatment because the same is not covered in the policy. Moreover, switching your job will make your health insurance invalid. And if your new company does not provide medical insurance online facilities, you should immediately buy one and stay safe.

The online phenomenon has been influencing millions of lives since the time the Internet was introduced. Today, online shopping takes less time and is effortless and convenient; medical insurance online is no exception. You can compare medical insurance policies offered by different insurance providers and accordingly choose the right policy. EIndiaInsurance.com is a platform for online medical insurance in India; thousands of buyers prefer this portal to buy medical insurance policies. The uniqueness of this online site is the enlistment of a number of insurance providers and running a unique web comparison tool facilitating buyers to compare insurance policies and get quotes instantly. You can buy one right at this platform using a credit/debit card or even a cheque.

Sample letter for loan modification demystified

When you are faced with financial hardship and you want to write an effective letter for loan modification, there are some basic rules you need to abide with for your application to be accepted. I have drafted here a sample letter for loan modification. Start the letter by writing your name, loan number, contact address, phone number, and may be your email address. Then in the body of the letter: To Whom It May Concern I’m writing this hardship letter to you in order to explain the reasons behind my requesting for a loan modification on my mortgage payments. I made my last payment just before August last year, since then I was not able to make any other payment on my monthly mortgage, reason is because of my husband terminal illness with gulp huge amount of money from our treasury since then it become increasingly difficult for me to handle alone. I am requesting for an interest reduction down to YX% from my current XX%. I feel it is a fair percentage for you, and this will be within my means. Prior to husband illness, both of us have been making enough to carter for our mortgage. Even when our interest rate rose to XX% we had no difficulty paying it. However, since the illness, I was left with half of the monthly income I had before. I had been pulling together enough to pay the bills and mortgage by pulling from our savings and the small amount of life insurance I received, but I can not cope for now that is why I requested for loan modification option from you. Without you lowering my interest rate, I won’t be able to afford the monthly payments. I have to make a choice between a loan modification and a foreclosure. I prefer the former far better than the later, and you probably would as well. YX% is the most I can afford now, even if I cut all of my expenses out of the picture. Please consider my application seriously and I hope to hear more from you on this matter soonest. Sincerely, Your Name (with date) You will notice that this letter is simple but straight to the point, it explain the circumstances of the loan seeker and her ideal interest rate based on her present income, she also showcase seriousness, she also let the lender know she would like to still maintain her home, the letter also pleads a good case for the lender, your lender must be aware of your choice between modification and foreclosure, although your lender may lose money on loan modification but it can not be compared with foreclosure, if you get all your facts, numbers and story straight you can put up a compelling hardship letter. Further more, for essential tips and facts on how to get quicker approval on your loan modification, I have done some research on this for you, visit for updated information.

How To Find A Profitable Forex Signal Service

There are a large number of forex signals provider in the market, if you do a quick browse you will come across more than 200 in 5mins, there are a large number of however only a few will produce you money, we recommend you to look meticulously at specified details that will make you see if they are as good as they say.

Many individuals will certainly go for a low cost forex signal service without considering that this is not buying a cheap sofa or a mountain bike to make some exercise on the weekends, here you are risking your hard gained money based on a low cost advisor.

Deciding on a cheap provider could cost you a large percent of your trading funds which will be more than what you paid for the signals. If you pay 300$ for your signals and you make 600$ your final profit will be 300$, not amazing but as you increase your trading capital your earningswill grow, meanwhile others will opted for a 50$ provider which unfortunately will lose in two trades 400$, its worth it? If you have an excellent signals service you can produce as much money as you want, wouldnt most people spend 300$ or 400$ per calendar month for it?

When you search for a forex signal service you will see that a large number of them post excellent results, but barely any of them show you a real statement from a forex broker, they just show you an excel sheet with fancy colors and appealing numbers which every person can create on their computer, they dont post a screenshot where you can see the entry and exit on a real trading account; make sure you ask for real statement or image of the statements with profitable trades.

Every business out there is great and generates great results but why no business guarantees you a minimum number of pips? I mean if you make1000 pips per month as you claim in your results, why cant they provide a 200 pips guarantee? Well, in my opinion is because they dont generate them, why should you spend for services that dont produce the numbers they claim?

If you are searching for a reputable forex signal service, make sure they provide results or screenshots of a real statement from a real account and make sure that they provide a guarantee on their signals.

How I Became An Expert on Help

The Importance of Your Website Appearing in Google Answer Boxes

Out of the many search engine websites that you can use to find answers to whatever question is boggling your mind, Google has been found to rank the highest. A lot has changed in how Google provides users with the results that they need starting with providing local results in the past to know putting the best results for the users in their so-called answer boxes that use a knowledge graph as a reliable source.

In terms of Google’s knowledge graph, there are still issues regarding its being able to gather real-time results. This will be considered only a problem of the past as little by little, Google Trends are moving to the forefront of Google, most especially with the use of real-time statistics. This could only mean that Google Knowledge graph results will then be given in real-time.

The demand for relevance is on the rise ever since the use of mobile gadgets and technology has been on the rise. In the year 2000, the attention span of humans took twelve seconds while now, recent studies have shown for it to be in the range between four and eight seconds. The average human attention span has indeed shortened because of the ever-growing numbers of smartphones. The multitasking skills of people have also improved rapidly because of this. This has been shown to be associated with the attention span and the increasing demand for relevance among people with them using their phones to find some information while doing some tasks.

This reduction in attention span and demand for relevance are the two reasons for having Google answer boxes. This means so much to your website because if you have hit relevance on your content, then there is no doubt that your site will be included inside the Google answer boxes. It is only through Google answer boxes that you can have your website be as relevant and highly ranked as it can be.

In order for you to get a good rank in Google and get your website and content present in Google answer boxes, then you have to hire the website design services of LinkNow media. What you must understand about LinkNow media is their having a lot of features and even allow you to have ease of access as LinkNow media login will be done. LinkNow media makes sure to only use top of the line website services for all your website needs. Just be sure to learn as much about LinkNow media by checking out some LinkNow media yelp results in terms of feedback and comments. With LinkNow media, you will notice that there are just less LinkNow media complaints that you can look at. Learn more about LinkNow media as you can if you intend to get their services and be sure to read more about the reviews being posted by their past customers from LinkNow media yelp.

Suggested Post: click now

Finding Parallels Between Security and Life

Secure Your Credit Card Transactions through a Payment Processor

Nowadays when people are already fond of shopping online, credit cards are more than often needed to be able to pay online. However, be aware that some things could go wrong due to some internal or external reason when you purchase things in this manner. Unfortunately, whether it is in the online or offline transactions, you cannot be hundred percent sure that you will not be scammed or be thieved even if your rights are protected.

Imagine yourself paying purchases on items you never did or got hold of, and you just wonder why your bill zoomed up than what you usually pay. You dig into the incident and find purchases that are not with your knowledge where your credit cards were used. When filing a complaint to your card company, you will be informed that you are a victim of fraud, and unfortunately for you, the card company will still let you pay even so.

This is a devastating incident for you to be a victim of card theft or fraud and this is an incident that you or your card company does not want to happen, and this is where payment processors come in. Payment processors are there to protect you and your credit card company since they check both parties before any transaction is made thus it serves as a link between you as the customer and the credit card company.

In order to avoid to be in a fraud situation, make sure that your online payment is coursed through a secure website, especially in these days of purchasing from online stores which almost everybody has developed a habit.

Today we live in an automated payment processing system where we can use for payroll processes or in purchase transactions, and so the need for payment processors is also increasing. In this industry, one leader has accomplished much in the development of programs for the past three decades, that make consumers and business lives safer and faster, and Andrew Phillips of Cardlfex is an example of the industry leaders.

With the ways developed by Mr. Phillips, businesses are able to streamline their financial processes. With the ways that Mr.Philipps developed, checking manually has turned into an automatic job that became the initial point for securing debit and credit transactions.

The many years of experience led to the formation of a company by Mr. Phillips which allow workers to receive in an instant their tips and other payment transactions. For those looking for their card processing programs to be set up and be designed uniquely for their needs, his company is one source that can be trusted.

More ideas: his comment is here

The Ultimate Guide to Options

Take Guidance from the Expert Santosh Devaraj

Nowadays, we cannot underestimate threats from digital thieves. It is acknowledged that industries do find ways to secure their personal data as much as possible, however, it is also a fact that many anonymous entities are making ways to crawl into these personal data. Information from a magazine stated that breached records in the year 2016 reached 95 percent and this came from government, retail and technology sectors. Source from certain media said that the likely reason behind this activity if that the three industries previously mentioned have high level of personal identifying information on records that make them popular targets. Cyber security Santosh Devaraj, founder and CEO of Secure Logic Group, mentioned that extra measures can always be taken to avoid shame in public and data breach for a company or for a person.

Areas in payment card industry, IT services, information security management and others, are the expertise of Secure Logic Group, and you can consult with their experts if you enlist their services. This group, which deals mainly with government and financial institutions, is aware that your company is a custodian of data that any breach or shortcoming will spell disaster or financial ruin and tarnished reputation.

And this is why the company of Santosh Devaraj has developed proven security measures that will eliminate or minimize risks effectively. Be informed that in order to secure your data, your first step then would have to undergo a vulnerability assessment and penetration testing of your system. The 15 years of experience in compliance and audit among global institutions in the finance world, and his performance of several research and development projects in cybercrime, has made Santosh Devaraj and his team the experts in their field.

Holding a master of information technology, Mr. Devaraj has the capability to assist your company in developing the security measures that you have been planning for a long time to be in place. A professional with other certifications in the areas of firewalls, security solutions and risks, he is more than capable in the security services for your company and of your trust.

Because of the reputation as an expert in security service provider, Secure Logic of Mr. Devarah, secure a deal with the NSW Electoral Commission to help pioneer in the electronic voting, a program that will allow persons with disabilities to vote even away from the pooling booth.

We should be aware that the digital frontier is not always safe where digital security is concern, and so we need the help of cyber security professionals. Across the system, we have to apply security layers.

Loan Modification Alert Countrywide tightens Loan Modification

Home Loan Modification allows defaulting borrowers to work out new terms with Countrywide, so that they can avoid foreclosure and stay on track. Countrywide began offering the service through their Home Retention Department at the height of last year’s real estate bubble. However, due to the volume of requests coming in, many cases were delayed and resulted in foreclosure. The company hit an all-time low in 2008 and was recently bought out by the Bank of America.

In line with the change, the Loan Modification Department of the Law Offices of Marc R. Tow is also taking measures to protect its clients. The firm, one of the leading loan modification services in the country, will only negotiate modifications with Countrywide for clients with viable cases and those who are in serious financial trouble. Changes are also expected in national Loan Modification policies. While loan modification is still open to borrowers not in default, new laws may soon limit the service only to those in bankruptcy or serious delinquency. This will allow lenders and loan modification companies to focus their attention to clients who are most in need. The firm will continue to help clients with loans serviced by other companies. Besides loan modification, the Law Offices of Marc R. Tow also offers assistance with loss mitigation alternatives such as short sales.”>Homeowners hoping to get a loan modification with Countrywide may want to rethink their options. Countrywide Financial, best known for excessive lending practices that led to widespread defaults, now has so much bad debt on its books that it may have to tighten up its loan modification service.

Home Loan Modification allows defaulting borrowers to work out new terms with Countrywide, so that they can avoid foreclosure and stay on track. Countrywide began offering the service through their Home Retention Department at the height of last year’s real estate bubble. However, due to the volume of requests coming in, many cases were delayed and resulted in foreclosure. The company hit an all-time low in 2008 and was recently bought out by the Bank of America.

In line with the change, the Loan Modification Department of the Law Offices of Marc R. Tow is also taking measures to protect its clients. The firm, one of the leading loan modification services in the country, will only negotiate modifications with Countrywide for clients with viable cases and those who are in serious financial trouble. Changes are also expected in national Loan Modification policies. While loan modification is still open to borrowers not in default, new laws may soon limit the service only to those in bankruptcy or serious delinquency. This will allow lenders and loan modification companies to focus their attention to clients who are most in need. The firm will continue to help clients with loans serviced by other companies. Besides loan modification, the Law Offices of Marc R. Tow also offers assistance with loss mitigation alternatives such as short sales.

Different Reasons for Getting a Security System

My sister and her husband had a home security system installed at their house. They are not wealthy, but they are comfortable. They knew that they could be a potential target for thieves wanting an easy pay day because they do live in a nice house. They decided to get a security system just because of the news stories that they hear every day. When she told me of the additional benefits of the one they have, I decided to look up ADT in Winston Salem. We may live over 450 miles apart, but ADT is a national company that can install a security system just about anywhere.

I found a company not far from where I live, and the plan that my sister has is the same price for me too. I figured it would be since it is a national company, but seeing it in black and white reassured me that I would be able to afford this. Read More »