Do-It-Yourself
What if you could effectively settle your mortgage balance in a few months* (the goal is completely free and clear)…using a standard Adminstrative Process - no debating in court first.
“We just removed a $1 million+ mortgage from our Las Vegas home in less than 7 weeks. Good by upside down mortgage – hello free and clear!”
Robert M. Las Vegas
Before we ever offerred this training, it was reported hundreds of others quietly completed similar processes, then we decided to add some powerful tool to it. DO YOUR DUE DILIGENCE BEFORE ENTERING IN TO ANY SUCH EDUCATIONAL SERVICE – EVEN OURS.
The first you need to know involves the the background of this approach, in order to fully appreciate it’s power.
2. The Paperwork: The proper documents with a track record – WE HELP YOU WITH THE INITIAL PHASE 1 DOC DRAFT so you can prepare your information.
3. The Psychology: The right winning mindset may be the most important factor of all. You direct and control your process completely, once you know the basics. You must have the determination to succeed.
….and of course…based on proven training and support to keep all 3 steps on track.
PLEASE TAKE YOUR TIME TO STUDY THIS BEFORE MAKING ANY DECISIONS!
The one thing we can guarantee is our commitment to help you learn this material. Completing the process and using your head are up to you. We offer no miracles in a black box solutions, just a solid foundational education that has resulted in a high degree of success at many levels. You are in the driver’ seat here.
When You decide to Learn and Do-It-Yourelf
| ANOTHER RECENT NEWS ARTICLE New York Times October 25, 2009 This just scratches the surface of what we do in our Mortgage Settlement Process. The media is EVEN catching on….yet our process is NOT ABOUT lawsuit or defending yourself, it is a step by step administrative process and enforcement of your contract. ————————————————————————If Lenders Say ‘The Dog Ate Your Mortgage’By GRETCHEN MORGENSONFor decades, when troubled homeowners and banks battled over delinquent mortgages, it wasn’t a contest. Homes went into foreclosure, and lenders took control of the property.On top of that, courts rubber-stamped the array of foreclosure charges that lenders heaped onto borrowers and took banks at their word when the lenders said they owned the mortgage notes underlying troubled properties.In other words, with lenders in the driver’s seat, borrowers were run over, more often than not. Of course, errant borrowers hardly deserve sympathy from bankers or anyone else, and banks are well within their rights to try to protect their financial interests.But if our current financial crisis has taught us anything, it is that many borrowers entered into mortgage agreements without a clear understanding of the debt they were incurring. And banks often lacked a clear understanding of whether all those borrowers could really repay their loans.Even so, banks and borrowers still do battle over foreclosures on an unlevel playing field that exists in far too many courtrooms. But some judges are starting to scrutinize the rules-don’t-matter methods used by lenders and their lawyers in the recent foreclosure wave. On occasion, lenders are even getting slapped around a bit.One surprising smackdown occurred on Oct. 9 in federal bankruptcy court in the Southern District of New York. Ruling that a lender, PHH Mortgage, hadn’t proved its claim to a delinquent borrower’s home in White Plains, Judge Robert D. Drain wiped out a $461,263 mortgage debt on the property. That’s right: the mortgage debt disappeared, via a court order.So the ruling may put a new dynamic in play in the foreclosure mess: If the lender can’t come forward with proof of ownership, and judges don’t look kindly on that, then borrowers may have a stronger hand to play in court and, apparently, may even be able to stay in their homes mortgage-free (our process goes way beyond this).The reason that notes have gone missing is the huge mass of mortgage securitizations that occurred during the housing boom. Securitizations allowed for large pools of bank loans to be bundled and sold to legions of investors, but some of the nuts and bolts of the mortgage game — notes, for example — were never adequately tracked or recorded during the boom. In some cases, that means nobody truly knows who owns what.To be sure, many legal hurdles mean that the initial outcome of the White Plains case may not be repeated elsewhere. Nevertheless, the ruling — by a federal judge, no less — is bound to bring a smile to anyone who has been subjected to rough treatment by a lender. Methinks a few of those people still exist.More important, the case is an alert to lenders that dubious proof-of-ownership tactics may no longer be accepted practice. They may even be viewed as a fraud on the court.The United States Trustee, a division of the Justice Department charged with monitoring the nation’s bankruptcy courts, has also taken an interest in the White Plains case. Its representative has attended hearings in the matter, and it has registered with the court as an interested party.THE case involves a borrower, who declined to be named, living in a home with her daughter and son-in-law. According to court documents, the borrower bought the house in 2001 with a mortgage from Wells Fargo; four and a half years later she refinanced with Mortgage World Bankers Inc.She fell behind in her payments, and David B. Shaev, a consumer bankruptcy lawyer in Manhattan, filed a Chapter 13 bankruptcy plan on her behalf in late February in an effort to save her home from foreclosure.A proof of claim to the debt was filed in March by PHH, a company based in Mount Laurel, N.J. The $461,263 that PHH said was owed included $33,545 in arrears.Mr. Shaev said that when he filed the case, he had simply hoped to persuade PHH to modify his client’s loan. But after months of what he described as foot-dragging by PHH and its lawyers, he asked for proof of PHH’s standing in the case.”If you want to take someone’s house away, you’d better make sure you have the right to do it,” Mr. Shaev said in an interview last week.In answer, Mr. Shaev received a letter stating that PHH was the servicer of the loan but that the holder of the note was U.S. Bank, as trustee of a securitization pool. But U.S. Bank was not a party to the action.Mr. Shaev then asked for proof that U.S. Bank was indeed the holder of the note. All that was provided, however, was an affidavit from Tracy Johnson, a vice president at PHH Mortgage, saying that PHH was the servicer and U.S. Bank the holder.Among the filings supplied to support Ms. Johnson’s assertion was a copy of the assignment of the mortgage. But this, too, was signed by Ms. Johnson, only this time she was identified as an assistant vice president of MERS, the Mortgage Electronic Registration System. This bank-owned registry eliminates the need to record changes in property ownership in local land records.Another problem was that the document showed the note was assigned on March 26, 2009, well after the bankruptcy had been filed.Mr. Shaev’s questions about ownership also led to an admission by PHH that, along the way, it had levied an improper $450 foreclosure fee on the borrower and had overcharged interest by an unstated amount.John DiCaro, a lawyer representing PHH at the hearing, was in the uncomfortable position of having to explain why there was no documentation of an assignment to U.S. Bank. He did not return a phone call seeking comment last week. Ms. Johnson, who couldn’t be reached for comment, did not attend the hearing.According to a transcript of the Sept. 29 hearing, Mr. DiCaro said: “In the secondary market, there are many cases where assignment of mortgages, assignment of notes, don’t happen at the time they should. It was standard operating procedure for many years.”Judge Drain rejected that argument, concluding that what had been presented to the court just did not add up. “I think that I have a more than 50 percent doubt that if the debtor paid this claim, it would be paying the wrong person,” he said. “That’s the problem. And that’s because the claimant has not shown an assignment of a mortgage.”Mr. Shaev said he was shocked when the judge expunged the mortgage debt.”We are in uncharted territory,” he said. “Right now I am in bankruptcy court with a house that has no discernible debt on it, yet I have a client with a signed mortgage. We cannot in theory just go out and sell this house because the title company won’t give a clear title on it.”Among the next steps Mr. Shaev said he would take is to file an amended plan or sue to try to get clear title to the property. Late last week, PHH appealed the judge’s ruling. But Mr. DiCaro and PHH are in something of a bind. Either they will return to court with a clear claim on the property — including all the transfers and sales that are necessary in the securitization process — or they won’t be able to produce that documentation. If they do produce it, they will then have to explain why they didn’t produce it before. Oh, what a tangled web these mortgage lenders weave. …our Living Free and Clear Mortgage process keeps us out of court in most cases, we already know we can win administratively now!
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What if you could get the bank, to settle mortgage
in as little 3 to 6 months? How would your life change?
According to our network of insiders, we know of over 100 of cases that have succeeded by two separate private groups, and countless more have likely succeeded we have not heard about. They have all done it the harder way. Now literally thousands can discover these loop holes in the system, and implement these insider secrets, thanks to our expanding into this serious area of education. Our 10 years of teaching wealth creation, real estate investing, mortgage acceleration, and coaching, we are uniquely qualified to bring this system to a larger audience. Best of all, the banks actually get paid, so no harm to the consumer or bank is involved, in our opinion.
Now the bad news, the people who HAVE failed at this process, simply did not have the tools or did not simply follow through completely. We provide that system. Our plan is to help you keep the process moving forward and help you maximize your chances of success. Although we are just launching this offer and system as of October 1, our background combined with years of study and reasearch will dramatically increase the likelihood of success…for a lot more people.
Once you understand how mortgages are created and sold, and understand your rights to proper disclosure, you may then also understand how to manage a settlement of that “alleged” mortgage in as little as 3 to 6 months. Using our new yet well proven “Administrative Mortgage Settlement” process, your chances of success increase many fold.
Although it sounds too good to be true, we want to assure you, we will not even accept people who have not first read our free e-course and watched our detailed video class. Do your homework. THEN decide if you want to participate. We are only interested in working with folks who can follow a proven, easier to understand, detailed checklist, and stick to it. PLUS once you understand the psychology and administrative positions you must take, you will have the mental ammunition to win.
How much would it be worth to eliminate your mortgage
and all debts in as little as 3 to 6 months?
and a real economic recovery faster for our country?
It really is YOUR property.
this “self banking” strategy.
a Debtor the rest of your life.
This is NOT a “get rich quick-push button simple” process, we can show you a step by step process to literally ask and disprove the mortgage company as to the validity of their position. But instead of trying to argue to win, as with Loan Modifications, Short Sales, and Audits (most lose at those approached, by the way), we conditionally accept the lenders claim – if they can prove their claim.
There is little questionable about conditionally accepting something and making a reasonable demand they prove their claim, and stating their penalty to you for not complying. This simply requires lenders produce certain legitimate documentation which they have yet to produce to date. Then YOU automatically have damages to enforce, and negotiate the settlement, with the law heavily on your side. The goal is to win by administrative default. Out of court (unless that is what it takes to collect your newly established contract).
At that point, you do not have to prove anything or argue. They have to prove something to YOU instead. This is a much easier position work from than other so called “magic cancellation or half baked loan modification” programs you may have heard of.
In just a few weeks after submitting the first few documents, you will know where you stand. Then you move to phase 2 and collect or settle the matter in full (with solid follow through).
