How to Modify Your Loans: And Save Thousands of Dollars by Doing It

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AuthorHouse, 2009 - Business & Economics - 147 pages
Who can you turn to when you see financial troubles on the horizon? Who has experienced the effects of the law and its unintended consequences on you and your family? What bills should you deal with first to minimize the damage? Who can show you how to delay judgments and/or foreclosure without an attorney? Who can explain what steps you should take so you can plan for the worst? Who can show you the details of a bad loan sold to you by greedy mortgage companies? Paul Stemborowski is that person! Paul has spent the last ten years restructuring finances for thousands of people, helping them avert financial catastrophe. He has also helped thousands after they went bankrupt. In his attempt to solve every problem for everyone, he listened to all the stories in an attempt to learn from clients past experience. The outcome was a person with the knowledge and negotiating skills everyone facing financial issues wanted to talk to.
 

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Contents

4 WE ARE A NATION OF LAWS
1
5 THE HISTORY OF THE HOUSING CREDIT BUBBLE
2
6 REFINANCING AFTER THE CREDIT BUBBLE
8
7 THINKING OF USING YOUR 401K TO STAY OUT OF BANKRUPTCY
10
8 NEW BANKRUPTCY LAW
11
9 VERBAL COMMUNICATION MEANS NOTHING
13
10 HOME RETENTION DIVISION
15
11 LOSS MITIGATION
16
30 SPOUSE PASSED AWAY
71
31 SECOND MORTGAGE LOAN MODIFICATION
72
32 NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA NACA
75
33 TWO PEOPLE TO BE AFRAID OF
76
34 A JUDGMENT FOR FORECLOSURE FILED
77
35 REVERSE PSYCHOLOGY
79
36 PREFORCLOSURE LETTER
81
KEEP GETTING FORECLOSURE LETTERS
83

12 OUTSOURCING AND CUSTOMER SERVICE
17
13 ORGANIZATION
19
14 HUMAN FACTOR
23
MODIFIED BEFORE MARCH 4 2009
26
16 KNOW YOUR OPTIONS
27
17 HOMEOWNER AFFORDABILITY PLAN
29
DONT QUALIFY FOR THE HOMEOWNER AFFORDABILITY AND STABILITY PLAN
33
19 CHOOSING A LOAN MODIFICATION COMPANY
39
20 LOAN MODIFICATION PITFALLS
41
WAS DENIED A LOAN MODIFICATION
45
22 BEHIND THE CURVE
52
23 BE PREPARED FOR THE WORST
55
24 ALL THE DOCUMENTS YOU CAN FIND
56
25 THE INTERNET IS WHAT YOU MAKE OF IT
59
26 HARDBALL
61
27 FAX BOMB
64
28 NO INCOMEVERIFIED LOAN MODIFICATION
66
29 EFFECTS ON THE SELFEMPLOYED
68
38 TWO PROPERTIES AND FOUR MORTGAGES
85
HAVE THREE PROPERTIES AND I CANT CLAIM CHAPTER 13
87
40 SHORT SALE
88
41 SHORT REFINANCE
90
42 HOW TO DISPUTE THE VALIDITY OF THE DEBT
91
43 COURT OF EQUITY
93
44 SHERIFFS SALE DATE
95
45 MEDICAL BILLS
96
46 KEEPING YOUR CREDIT CLEAN
98
47 LIFE AFTER BANKRUPTCY
104
48 CLEANING UP YOUR CREDIT REPORT
106
49 CREDIT CARD DEBT
115
50 HOW TO BEAT THE BANKS
118
51 HOW TO AVOID FINANCIAL PROBLEMS
138
A REAL NETWORTH DESTROYER
140
53 QUESTIONS AND ANSWERS
142
54 MAKING MONEY AT LOAN MODIFICATIONS
145
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