Facing Foreclosure is a very tough thing 
for a home owner to go through. 
Yes, you are behind in payments,
Yes you expect the lender to take the property back...
....but it's not that easy.  There are lots of questions right now.
 If you had some answers
you would know what you should do next.     

This informative how-to seminar breaks down 8 powerful alternatives to foreclosure in easy to understand sessions.  Each chapter is packed with information that you can use immediately and includes samples of letters, forms, court motions and checklists.  Each alternative is outlined in an extensive manual included with the course.

Topics Discussed on Day 1:

1.     How to Interview and Hire the Right Professionals to Help You Fight Foreclosure

·         Who can help, What to expect, What you must do yourself

·         How to separate great candidates from the “C - “ group

·         Includes interview questions that help you asses the candidate’s fit to
  your Foreclosure Defense Strategy

2.     Foreclosure Process, Timeline and Overview

·         Determine where you are in the foreclosure process

·         Know how much time you have to implement your plan

·         Foreclosure facts to strengthen your position

·         Mortgage Securitization and the impact on foreclosure proceedings

·         Learn how to realign your strategy accordingly

3.     Refinance, Sell or Short Sale

·         Learn how to objectively analyze your current position

·         Review requirements to refinance

·         Understand the consequences of several selling alternatives

·         Review the short-sale process

·         Writing hardship letters

·         IRS requirements regarding debt relief

·         Includes guidelines, checklists and sample documents

4.     Deed in Lieu of Foreclosure

·         Bank requirements to accept your offer of Deed in Lieu of Foreclosure

·         What you can expect during the negotiating process

·         Advantages and disadvantages of Deed in Lieu of Foreclosure

·         Your rights under the law

5.     Loan Modification

·         Requirements of a loan modification

·         Negotiations of a modification

·         Critical considerations of a modification

·         Obama’s loan modification plan

·         Includes FAQ regarding loan modifications

Topics Discussed on Day 2:

6.     Bankruptcy

·         Review the types of bankruptcy

·         Bankruptcy pros and cons

·         The bankruptcy process

·         Is bankruptcy right for you

7.     Litigation

·         Taking a case through court

·         Federal courts

·         State courts

·         The lawsuit

8.     Foreclosure Defense Tools, Your Rights, Lender Violations

·         Federal laws that govern mortgage origination and servicing

·        Laws and regulations that govern mortgage lending, servicing and
 debt collection

 ·         Successful foreclosure defense cases studies

·         Understand how a mortgage audit can impact your defense

9.     Steps to Repair Credit

·         Federal Debt Collection Laws

·         Procedure to dispute debt

·         Process to have incorrect reports corrected

·         Guidelines, checklists and sample documents

 __________________________________________________________________________

Are You or Your Clients Facing Foreclosure?

You can do something!

Get rid of fear and confusion!  Get the FACTS!

Arm yourself with information needed to make informed decisions.

Time is critical. 

Reserve your spot in this powerful and informative seminar today!

FORECLOSURE DEFENSE: ALTERNATIVES AND STRATEGIES

Presented by Renate Smith, MBA, CRB

 __________________________________________________________________________

                 
     Plan A is not working......
                     ~Do you have a plan B?
                                        ~How about a plan C or D?

_________________________________________________________ 

• The Judge Can Not Do It For You! 
  • You must stand up for yourself.
  • There are laws that protect borrower's rights.
  • DO SOMETHING NOW!
    • Facts Must Be Gathered
    • Your Situation Analyzed
    • Professionals Interviewed
    • Strategies Outlined.

WHO SHOULD ATTEND THIS
INFORMATIVE SEMINAR?

• Homeowners facing foreclosure
• Realtors working with clients in foreclosure
• Attorneys
• Mortgage Brokers
• Credit Counselors
• Loss Mitigation Specialists
• Loan Modification Specialist
• Pro Se Litigants  

Before you pay or give up your house there are certain very important things you should know:

1.  You have legal rights.  It's important that you know what your rights are.  When a debt collector uses abusive collection practices your rights have been violated and you have legal recourse options.

2.  Debt collection is regulated by laws.  The Federal Debt Collection Practices Act sets the national standard for collection agencies.  Even the law firm that has filed foreclosure against you may be defined as a debt collector and must follow the law. 

3.   State Laws and Local Laws establish the rules and requirements for debt collection.  Know what the civil procedure is in your jurisdiction so you work within court guidelines.

4. Failure to respond to a Lis Pendens or foreclosure notice is the same as throwing in the towel!  RESPOND!  

5.  See an attorney immediately.  Make sure the attorney is practicing in the specialty that will help you.
For example, if you would like to modify your existing loan, your attorney must be astute in negotiations, real estate mortgage law and have a powerful team assisting in the process.   On the other hand if it is your intention to file bankruptcy your attorney must specialize in bankruptcy law.