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Vacation Credit Card Tips
http://live.pirillo.com – Ponzi and I just returned from a vacation in Hawaii. credit cards can be a blessing… or a curse. Here are some tips we came up with when going on vacation, and using your credit card.
Duration : 0:8:12
Loan Modification and Foreclosure – Taxes on Cancellation of Debt – RealEstateMarketingThisweek.com
http://realestatemarketingthisweek.com/loan-modification/beware-of-grandiose-claims-when-dealing-with-a-loan-modification-firm/ – Beware of grandiose claims when dealing with a loan modification firm –
Part 7 – You know I am glad that were back, when we went to the break we were talking amongst ourselves about some of these concepts, I really want to bring this back down to the listeners. So they really understand what this means to them. You have three strategic partners, each of them experts in their field, sitting around these microphones in the studio talking about how these factors have an impact on the listening public, the people listening to this station right now.
Velocity Financial is an expert in all things mortgage related. It represents the largest asset many people have in terms of their home. What were talking about is, we know the economic pain that exists, you probably read that Arizona has the dubious distinction according to the Case-Schiller index of having the highest property value declines in the country. People are feeling some pressure here and for those people who want to consider what a loan modification might do for them, should call you and talk about what that represents.
Then from there, you can refer them to people like Mike Patenella to talk about the tax ramifications, Mike can speak to some of those items and I can talk about their overall financial planning. But to start with let’s talk about what the loan modification process really represents and who can benefit from.
We have talked about all the different things you can do with your home as a home owner, there is the loan modification and there’s several different types of loan modifications, there is the option of a short sale, which can have huge tax implications that people may not be aware of. There is the option of foreclosure, which is almost the last thing you want to do and there is also bankruptcy.
Loan modification is essentially for the person who is unable to make your payment, because there was a material change, and the change that I am talking about is your not making as much money. You may have lost your job. You have one of these mortgages that are toxic, where the interest rate has gone up significantly.
I would not buy the story from some guy with an ugly little yellow sign on the side of the road that says, hey I can help you and I have a 99% success rate with my loan modifications. That is essentially a guarantee and there is nobody in their right mind that would buy the guarantee. There are so many different types of mortgage servicers out there, literally thousands of mortgage companies out there and you cannot predict what any one of these mortgage companies is going to do.
Certainly not guarantee anyone any result. Were definitely going to try our best, thats why we use a national network of attorneys, 45 out of the 50 states have some kind of recourse involved with short sales and foreclosures, loan modifications. This is not something you can just figure out on your own and certainly dont buy into some story that there is somebody who can reduce your mortgage by 50%. Thats not going to happen, or that they have a 99% success rate, things are just not realistic.
You should know better and I know I am putting it bluntly, lets be honest. You should know better. It sounds too good to be true folks, it is. These no cost loans, these goofballs are selling on the radio, saying they don’t cost anything, let me say this, someones got to pay for it. Try walking to one of these big banks right now thats trying so hard right now to make up for some of their losses, so if anyone is offering you something that sounds too good to be true. It probably is, call an expert, call someone who knows what they’re doing, and our team has 16 years of loan modification experience. Our national network of attorneys are dedicated to getting loan modifications and work with almost every major lender, use a pro.
Now Mike, I wanted to throw it over to you to reiterate a few of these things to talk about the different options that people are looking at. The reality of it is that a loan modification, if it works is the absolute best.
That would appear to be the case. You dont want to file bankruptcy, which would be your last choice. Trying to say youre insolvent might be difficult when you factor in all of your assets, so the foreclosures and the short sales, I think those just destroy your credit. Am I right on that?… http://realestatemarketingthisweek.com
Duration : 0:6:21
Loan Modification Through the Courts: Judges, attorneys, housing counserlors, lenders and borrowers
Philadelphia Judge Annette Rizzo helps homeowners avoid foreclosure by working out lond modifications with lenders. Housing counseling agencies also get involved in the process by helping borrowers qualify for the Making Home Affordable Loan Modification program
More information at:
sccrealestateuncensored.com
Mas informacion:
MiCasaMiDinero.com
Duration : 0:6:9
Debt Information
http://www.myhalogroup.com/services_debt.html The Federal Reserve indicates that the total amount of consumer debt in the United States stands at roughly $2.4 trillion dollars – and based on the latest Census statistics, that works out to be nearly $8,000 in debt for everyone in the nation.
The primary goal is to help clients achieve a debt-free lifestyle. Halo’s debt relief programs are developed with affordable payment plans, based upon the client’s personal financial situation. The majority of the payment plans are designed to eliminate each client’s debt in 12 to 36 months.
Duration : 0:2:18
Reduce the Tremendous Burden of Credit Card Debt NOW!
Credit Card debt is the most profitable commodity in the world. There are over three hundred million credit cards with an average limit of $3,000 collecting 70% to 85% interest monthly. Credit Card Debt is the catalyst that is producing the economic struggle in America today. Credit Card companies have issued more credit than the average consumer can handle.
Duration : 0:4:59
Loan Modification – Part 3: Home Mortgage Bailout – Real Estate Foreclosure Prevention Process
Loan Modification Attorneys Negotiate Home Mortgage Bailout – Foreclosure Assistance Plan – Real Estate Foreclosure Prevention Alternative To Fraud and Scams. http://ModificationHotline.com Will Help You Survive The Mortgage Meltdown Crisis by Modifying Your Home Loan. Avoid Foreclosure and Bankruptcy. Get Your Bailout Today.
At http://ModificationHotline.com You Can Claim Your FREE Copy of My Latest Report:
“THE FORECLOSURE SHARKS: A Look At The Rampant Theft Of Americans’ Homes Through Foreclosure ‘Rescue’ Scams”, and While There Also Sign Up For a FREE Consultation With Our Approved Foreclosure Prevention Specialists.
Go To http://ModificationHotline.com and Complete Our Easy Form – It Takes 2 Minutes and Can Help You Save Your Home.
Duration : 0:10:38
Why Americans are paying ILLEGAL interest rates
Had Enough? Join http://www.debt-University.com and learn the best way for YOU to get out of debt.
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Find out why most Americans are paying illegal interest rates on their credit cards.
If you want FREE help with credit card debt, take the Free Debt Exam at:http://www.FreeDebtExam.com
Duration : 0:5:42
Tips on How to Lower your Debt
Learn more at http://www.SaberHacer.com – Are you facing a growing stack of bills? Dodging calls from creditors? These are some warning signs that may indicate a debt crisis. Financial counselors share debt management tips.
Duration : 0:6:12
Loan Modification – Part 2: Home Mortgage Bailout – Real Estate Foreclosure Prevention Process
Loan Modification Attorneys Negotiate Home Mortgage Bailout – Foreclosure Assistance Plan – Real Estate Foreclosure Prevention Alternative To Fraud and Scams. http://ModificationHotline.com Will Help You Survive The Mortgage Meltdown Crisis by Modifying Your Home Loan. Avoid Foreclosure and Bankruptcy. Get Your Bailout Today.
At http://ModificationHotline.com You Can Claim Your FREE Copy of My Latest Report:
“THE FORECLOSURE SHARKS: A Look At The Rampant Theft Of Americans’ Homes Through Foreclosure ‘Rescue’ Scams”, and While There Also Sign Up For a FREE Consultation With Our Approved Foreclosure Prevention Specialists.
Go To http://ModificationHotline.com and Complete Our Easy Form – It Takes 2 Minutes and Can Help You Save Your Home.
Duration : 0:10:59
Obama to Revamp Student Loans: News Current
President Obama discusses revamping government college loan programs.
For more news video by Current TV visit http://current.com/
VIEW more Obama videos & SUBSCRIBE to the YouTube playlist here…
http://www.youtube.com/view_play_list?p=3B5595E758E5492F
Duration : 0:1:38
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