HUD-Approved Counseling Agencies come to Mortgage Fraud Rescue. Protecting Homeowners Empowering Victims
|
|
|
- Beatrix Gardner
- 3 years ago
- Views:
From this document you will learn the answers to the following questions:
In what year did the National Foreclosure Mitigation Counseling Program begin?
Who does the counseling agencies help?
What type of Agencies are there to help the Mortgage Fraud Rescue Protecting Homeowners Empowerment Victims?
Transcription
1 HUD-Approved Counseling Agencies come to Mortgage Fraud Rescue Protecting Homeowners Empowering Victims
2 Working together for strong communities 2
3 SESSION SPEAKER Barbara Floyd Jones Program Manager Local Support for Foreclosure Solutions NeighborWorks America 3
4 SESSION OBJECTIVES AWARENESS EDUCATION REPORTING 4
5 NEIGHBORWORKS AMERICA Creates opportunities for people to live in affordable homes, improve their lives and strengthen their communities Congressionally chartered with statutory board Over 235 NeighborWorks organizations 263,000 Homebuyers (FY 1993 FY 2011) National Foreclosure Mitigation Counseling Program: 1.33 million families counseled 5
6 CAMPAIGN OVERVIEW 6
7 CAMPAIGN OVERVIEW 7
8 PARTNERS Several national, state and local organizations have partnered with the campaign. 8
9 WHAT IS A LOAN MODIFICATION SCAM? 9
10 POSSIBLE TITLES OF SCAM ARTISTS Loan modification or foreclosure consultant Foreclosure prevention specialist Mortgage consultant Real estate agent Forensic loan auditor Attorney 10
11 TOP TEN SCAMMER PHRASES 1. Pay us $1000, and we ll save your home. 2. I guarantee I will save your home trust me. 3. Sign over your home, and we ll let you stay in it. 4. Stop paying your mortgage. 5. If your lender calls, don t talk to them. 11
12 TOP TEN SCAMMER PHRASES 6. Your lender never had the legal authority to make a loan. 7. Just sign this now; we ll fill in the blanks later. 8. Call Fed Loan. 9. File for bankruptcy and keep your home. 10. Why haven t you replied to our offer? Do you want to live on the streets? 12
13 SIGNS OF A LOAN MODIFICATION SCAM Asks for a fee, especially in advance Guarantees they will stop a foreclosure or get a loan modification Asks homeowners to stop paying the mortgage lender and pay the company or person instead 13
14 SIGNS OF A LOAN MODIFICATION SCAM Pressures homeowners to sign paperwork they haven t read or don t understand Claims to offer official government or government-approved modifications A company the homeowner doesn t know asks for financial information over the phone or online 14
15 COMMON LOAN MODIFICATION SCAMS 15
16 ALERT! SCAMS ON THE RISE $25 Billion National Mortgage Settlement Forensic Loan Audit Mass Joinder Lawsuit Short Sale Bait and Switch We Buy Houses 16
17 RENATE BREVARD Mortgage rose, found company to pay it and she leased back Signed title over without knowing Scammed, sought lawyer Told to send mortgage to lawyer No payments made to lender Scammed by lawyer and lost home Reported scam, $13,000 returned 17
18 JOSE CHORINO Current on mortgage Forensic audit to lower mortgage Paid $1,500 for forensic audit No audit, lender not contacted Company stopped answering calls Contacted local nonprofit about scam Nonprofit wrote demand letter $1,500 returned, did not lose home 18
19 SCAM REPORTS BY AUDIENCE 31,002 scams reported since October
20 HOW TO PROTECT YOUR COMMUNITY? 20
21 HOW TO PROTECT YOUR COMMUNITY? Where to report scams 1. Call the HOPE Hotline at HOPE (4673). 2. Go to LoanScamAlert.org and click How to Report Scams to report online in five languages. 4% of consumers in a recent tracking study cited local, state, and federal law enforcement as the location to report scams, a 67% decrease from
22 HOW TO PROTECT YOUR COMMUNITY? 22
23 23
24 24
25 25
26 SAMPLE REPORT FORM 26
27 1. preventloanscams.org 2. Get Involved Tab 3. Look in Partner Toolkit 4. Download 2-pg form in English, Spanish, Chinese, Korean, Vietnamese 27
28 28
29 BECOME A PARTNER! Contact NeighborWorks in your area. Go to nw.org to find the office near you. Become a partner on Download and order outreach materials on 29
30 ALERT! Thank you for joining today s session! 30
31 For More Information National Crime Prevention Council 2001 Jefferson Davis Highway Suite 901 Arlington, VA NeighborWorks America 1325 G St., NW, Suite 800 Washington, DC Phone: (202)
32 Don t Forget Take the time to visit the Exhibition Hall and Resource Center! 32
The Scheme of Things: What you Should Know About Mortgage Fraud. Protecting Homeowners Empowering Victims
The Scheme of Things: What you Should Know About Mortgage Fraud Protecting Homeowners Empowering Victims U.S Department of Housing and Urban Development Office of Inspector General 2 Session Speaker Michael
FOR SALE. Sheeley Moving Co. AVOIDING FORECLOSURE & FORECLOSURE SCAMS
FAIR HOUSING UNIVERSITY FOR SALE Sheeley Moving Co. AVOIDING FORECLOSURE & FORECLOSURE SCAMS WHAT IS FORECLOSURE When a lender takes possession of a house from a homeowner who has not met the mortgage
INTRODUCTION. We have written this report to help you recognize and avoid these scams and ultimately to save your home!
INTRODUCTION If you are reading about these loan modification scams it is likely you or somebody you know is behind in their mortgage or at risk of foreclosure. Over the 30 years that we have been practicing
California Department of Real Estate ** CONSUMER ALERT **
California Department of Real Estate ** CONSUMER ALERT ** FRAUD WARNING REGARDING LAWSUIT MARKETERS REQUESTING UPFRONT FEES FOR SO-CALLED MASS JOINDER OR CLASS LITIGATION PROMISING EXTRAORDINARY HOME MORTGAGE
The Lawyers Committee s PreventLoanScams.org and national Loan Modification Scam Database. Fannie Mae Training November 15, 2012
The Lawyers Committee s PreventLoanScams.org and national Loan Modification Scam Database Fannie Mae Training November 15, 2012 LMSPN s Four Components Support Education & Enforcement Media Outreach Working
3/25/2013. For Audio: Dial toll free 1-877-668-4490 Meeting Number: 687 588 492 The webinar will begin in a few moments
A webinar by the National Crime Prevention Council and the Office for Victims of Crime, U.S. Department of Justice For Audio: Dial toll free 1-877-668-4490 Meeting Number: 687 588 492 The webinar will
As soon as you know you can t make your payment, take the following steps:
As soon as you know you can t make your payment, take the following steps: Call your lender. Ask for the loss mitigation department. Be honest about your situation so you can get the best, most realistic
Foreclosure Rescue Scams: Real Estate Fraud Prevention & Awareness
Foreclosure Rescue Scams: Real Estate Fraud Prevention & Awareness Foreclosure Rescue Scam Activity The number of foreclosure rescue enterprises is growing in ever increasing numbers and these businesses
Protecting Your Investment
Protecting Your Investment Understanding Home Financing and Avoiding Foreclosure Massachusetts Attorney General Consumer Hotline One Ashburton Place Boston, MA 02108-1518 (617) 727-8400 or (617) 727-4765
Roles of a Housing Counselor
Roles of a Counselor Homeowners! Get real help, free of charge from a HUD approved counseling agency. Denise Keiser, Executive Director Center for Financial Health Who is a housing counselor? Employed
MORTGAGE FRAUD VICTIMS PREVENTION AND ASSISTANCE
MORTGAGE FRAUD VICTIMS PREVENTION AND ASSISTANCE Chantez Bailey Cbailey@ncpc.org (202) 261-4120 1 NCPC - Protecting What Matters Most Our Mission Drives Our Work: To be the nation s leader in helping people
DETAILS REGARDING USE OF MORTGAGE FUNDS
DETAILS REGARDING USE OF MORTGAGE FUNDS Attorney General Tom Horne has announced a comprehensive multi-year program for the allocation of the $57 million in mortgage settlement funds aimed at keeping people
FINANCIAL CRIME. Foreclosure Rescue Schemes Have Become More Complex, and Efforts to Combat Them Continue. Report to Congressional Committees
United States Government Accountability Office Report to Congressional Committees October 2013 FINANCIAL CRIME Foreclosure Rescue Schemes Have Become More Complex, and Efforts to Combat Them Continue GAO-14-17
Avoid Foreclosure. How to Help Yourself (or someone you know) A Step-By-Step Consumer Self-Help Kit. Plus: How to Spot & Report Loan Scams!
How to Help Yourself (or someone you know) Plus: How to Spot & Report Loan Scams! Avoid Foreclosure A Step-By-Step Consumer Self-Help Kit Open mail from your mortgage company Can you afford your home?
AVOID FORECLOSURE HOW TO A CONSUMER GUIDE. Open mail from your mortgage company. Can you afford your home? Contact your mortgage company
HOW TO AVOID FORECLOSURE A CONSUMER GUIDE Open mail from your mortgage company Can you afford your home? Contact your mortgage company Keeping or not keeping your home What happens if you do not contact
Short Sale Seller Advisory
Short Sale Seller Advisory Short Sale Seller Advisory Recent economic challenges have resulted in many homeowners needing to sell their home but owing more on their home than the home is worth. This advisory
If you re 62 or older and looking for money
April 2009 Reverse Mortgages: Get the Facts Before Cashing in on Your Home s Equity If you re 62 or older and looking for money to finance a home improvement, pay off your current mortgage, supplement
CONSUMER CONFUSION WHO DO I WORK WITH TO PAY DOWN DEBT?
CONSUMER CONFUSION WHO DO I WORK WITH TO PAY DOWN DEBT? Presented by Kathy Virgallito Consumer Credit Counseling Service, now known as What We ll Cover Today Options for paying down debt Scams to watch
How To Avoid Foreclosure
For most families, a home is a place to live and raise children; it s a plan for the future, and also a source of pride. The Town of Davie promotes home preservation. Your home is not only a significant
HUD Housing Counselors Training
Module 5.2 Study Guide HUD Housing Counselors Training U.S. Department of Housing and Urban Development Table of Contents Module Introduction 3 Module Introduction 3 Lesson Objectives 3 Modifying or Refinancing
H O W T O A V O I D F O R E C L O S U R E F O R E C L O S U R E
U.S. Department of Housing and Urban Development H O W T O A V O I D F O R E C L O S U R E F O R E C L O S U R E This booklet explains how property owners can avoid losing their homes because of delinquent
New Mexico Attorney General s Office
New Mexico Attorney General s Office Complaint form for Mortgage Lenders and Mortgage/Foreclosure Assistance Scams Attorney General s Office Consumer Protection Division 111 Lomas Blvd. NW, Suite 300,
How To Help A Homeowner Who Is At Risk Of Foreclosure
1 PRINCIPAL REDUCTION AND FORECLOSURE PREVENTION Preliminary Report, Findings and Recommendations from the IDT Seattle City Council March 26, 2014 IDT Scope of Work 2 Resolution 31495 directed IDT to explore
STRUGGLING TO MAKE YOUR MORTGAGE PAYMENT PAGE 4
Michigan Lending & Foreclosure Guide Attorney General Bill Schuette TABLE OF CONTENTS PREDATORY MORTGAGE LENDING PAGE 1 PREDATORY LENDING RED FLAGS PAGE 3 STRUGGLING TO MAKE YOUR MORTGAGE PAYMENT PAGE
Bankruptcy and Short Sales
Bankruptcy and Short Sales What agents need to know April 2013 Bankruptcy and Short Sales What happens to the short sale if the seller files for bankruptcy? Bank of America can review a short sale offer
10 Frequently Asked Questions About Foreclosure
10 Frequently Asked Questions About Foreclosure 1. Who can I call for help if I am in foreclosure or fear I may be soon? The best source of help is a HUD-Approved housing counselor. You can find a housing
AVOID FORECLOSURE HOW TO A CONSUMER GUIDE. Open mail from your mortgage company. Can you afford your home? Contact your mortgage company
HOW TO AVOID FORECLOSURE A CONSUMER GUIDE Open mail from your mortgage company Can you afford your home? Contact your mortgage company Keeping or not keeping your home What happens if you do not contact
ATTORNEYS AND THE FORECLOSURE RESCUE FRAUD EPIDEMIC
ATTORNEYS AND THE FORECLOSURE RESCUE FRAUD EPIDEMIC The Lawyers' Committee for Civil Rights Under Law (Lawyers Committee) and its coalition partners in the Loan Modification Scam Prevention Network (LMSPN)
General Program Questions
General Program Questions What is Save the Dream Ohio (Ohio s Hardest-Hit Fund)? The Housing Finance Agency Innovation Fund for the Hardest-Hit Housing Markets gave 18 states including Ohio, via Save the
FTC FACTS for Consumers
ftc.gov FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP FTC FACTS for Consumers Mortgage Payments Sending You Reeling? Here s What to Do T he possibility of losing your home because you can t
FORECLOSURE. I don t think I can make my mortgage payments but I don t want to go through a foreclosure. What are some of my options?
FORECLOSURE When you borrow money to buy a house or land, the creditor usually takes a security interest in the property you buy. This means that if you don t pay, the creditor can foreclose upon (or take
If you re 62 or older and looking for money
March 2011 Reverse Mortgages: Get the Facts Before Cashing in on Your Home s Equity If you re 62 or older and looking for money to finance a home improvement, pay off your current mortgage, supplement
Affordable Housing Alliance
Affordable Housing Alliance 59 Broad St. Eatontown, NJ 07724 Presentation by Stefanie Wynne, MSW Assistant Director of Housing Outreach Services History The Monmouth Housing Alliance formed in April, 1991.
Loan Modification Scam Prevention Network (LMSPN) Annual Report 2010
Loan Modification Scam Prevention Network (LMSPN) Annual Report 2010 Introduction At the end of 2009, the Lawyers Committee for Civil Rights Under Law ( Lawyers Committee ) Project created and launched
Countrywide Settlement FAQ s
Countrywide Settlement FAQ s 1. Does the settlement impact my Countrywide loan? The Attorney General s settlement with Countrywide provides for loan modifications for eligible borrowers who are 60 days
Relief for Colorado Homeowners. Colorado Attorney General s Office
Relief for Colorado Homeowners Colorado Attorney General s Office Colorado Attorney General's Office 2 As of March 2013, just over 7,000 Colorado homeowners had realized $398.0 Million in mortgage relief
Remarks by. Thomas J. Curry Comptroller of the Currency. National Asian American Coalition. San Diego, California.
Remarks by Thomas J. Curry Comptroller of the Currency National Asian American Coalition San Diego, California October 18, 2013 Good evening. It s a pleasure to be here at the 10 th Anniversary Economic
HOW TO AVOID FORECLOSURE
U.S. Department of Housing and Urban Development HOW TO AVOID FORECLOSURE This booklet explains how property owners can avoid losing their homes because of delinquent payments. Este folleto explica a los
Your Money New York. Help for Homeowners Facing Foreclosure. Office of the New York State Comptroller. Thomas P. DiNapoli State Comptroller
Your Money New York Help for Homeowners Facing Foreclosure Thomas P. DiNapoli State Comptroller Office of the New York State Comptroller A Message From State Comptroller Thomas P. DiNapoli Dear Friend:
Affordable Housing Partnership Housing Counseling Program
Affordable Housing Partnership Housing Counseling Program ORGANIZATION AND STAFF INFORMATION Name of Organization: Affordable Housing Partnership of the Capital Region Inc. 255 Orange Street Albany, New
Before you agree to buy a house, make sure
SPECIAL ALERT Office of the Attorney General, Consumer Protection Division Home Buyers: Beware of Flipping Scams Bought by "flipper" $24,000 February Before you agree to buy a house, make sure you re not
Mortgage Loans. Understand the Terms of Your Loan Before You Sign...
Mortgage Loans Understand the Terms of Your Loan Before You Sign... This brochure can help you become familiar with basic mortgage loans, determine what terms are best for your situation, and identify
What are the HHF program eligibility criteria?
FREQUENTLY ASKED QUESTIONS What is the Hardest Hit Fund Program (HHF)? What are the HHF program eligibility criteria? What property types are eligible for HHF assistance? I or my spouse is in the U.S.
REALTORS Guide to FORECLOSURE RESOURCES
REALTORS Guide to FORECLOSURE RESOURCES Federal & State Programs That May Help Those Facing Foreclosure Making Home Affordable Program Designed to assist families who may face foreclosure, the federal
Arizona Office of the Attorney General. Mortgage Settlement Assistance Programs
Arizona Office of the Attorney General Mortgage Settlement Assistance Programs The Funds 2 Arizona received $97 million ($50 million swept by the AZ Legislature) in a joint federal-state agreement with
AVOIDING FORECLOSURE
AVOIDING FORECLOSURE Consolidated Credit 5701 West Sunrise Boulevard Fort Lauderdale, FL 33313 1-800-210-3481 www.consolidatedcredit.org Congratulations on taking this important step to a brighter financial
Central Mortgage Company
Central Mortgage Company Dear Borrower Are you struggling with your mortgage payment? We are concerned about your missed or potentially missed mortgage payment and want you to be aware of assistance available
Handling Default and Foreclosure
Handling Default and Foreclosure Delinquency Vs. Default Delinquency = less than 3 payments behind. A collections account. Only late fees accrue Default= more than 3 payments behind. Mortgage automatically
FTC FACTS for Consumers
ftc.gov FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP FTC FACTS for Consumers Mortgage Payments Sending You Reeling? Here s What to Do T he possibility of losing your home because you can t
unemployed? Get Mortgage Relief and Get Back on Your Feet R E A L H E L P. R E A L A N S W E R S. R I G H T N O W.
unemployed? earning less than before? Get Mortgage Relief and Get Back on Your Feet R E A L H E L P. R E A L A N S W E R S. R I G H T N O W. IS THIS YOU? Are you having a tough time making your mortgage
MORTGAGE RESCUE: HomeOwnership Center Assistance. A Program of St. Mary Development Corporation
MORTGAGE RESCUE: HomeOwnership Center Assistance A Program of St. Mary Development Corporation St. Mary Development Corporation Non-profit organization Community development and neighborhood revitalization
Hawaii Condominium Bulletin
Volume 19, No. 2 September 2013 contents Hawaii Condominium Bulletin Avoiding Scams By the Hawaii Foreclosure Information Center Avoiding Scams page 1, 3 Letter from the Chair page 2 Ask the Condominium
How To Modify A First Lien Mortgage
Making Home Affordable Program and Home Affordable Modification Program Frequently Asked Questions for Bankruptcy Filers Q1. What do these FAQs cover? These FAQs provide information on the Home Affordable
Department of the Treasury Financial Crimes Enforcement Network
Department of the Treasury Financial Crimes Enforcement Network Advisory FIN-2010-A005 Issued: April 27, 2010 Subject: Advisory to Financial Institutions on Filing Suspicious Activity Reports Regarding
$2.5 Billion. Understanding how States are Spending their Share of the National Mortgage Settlement. Amanda Sheldon Roberts
$2.5 Billion Understanding how States are Spending their Share of the National Mortgage Settlement Amanda Sheldon Roberts Introduction The National Mortgage Settlement is a historic joint state-federal
F.A.C.T. Starter Kit. Foreclosure Avoidance Comprehensive Training. COPYRIGHT 2009 Will Weaver
F.A.C.T. Foreclosure Avoidance Comprehensive Training Starter Kit COPYRIGHT 2009 Will Weaver Foreclosure Prevention Law Public Acts 29 31 of 2009 Requires lenders to send a default notice to borrowers;
CITY OF WEST HOLLYWOOD
CITY OF WEST HOLLYWOOD Rent Stabilization & Housing Department M E M O TO: Homeowners From: Housing Division at the City of West Hollywood RE: Worried about Foreclosure? In the current sub-prime housing
HECM Reverse Mortgage Counseling: Critical for Consumer Protection
Improving the lives of older Americans HECM Reverse Mortgage Counseling: Critical for Consumer Protection Barbara R. Stucki, Vice President for Home Equity Initiatives Housing Counseling Intervention:
THE RESOLUTION LAW GROUP & THE BERGER LAW GROUP. STATUS OF LITIGATION AGAINST BLG and RLG
THE RESOLUTION LAW GROUP & THE BERGER LAW GROUP TO: FROM: SUBJECT: ALL CLIENTS OF THE BERGER LAW GROUP AND THE RESOLUTION LAW GROUP MARK J. BERNET, RECEIVER STATUS OF LITIGATION AGAINST THE BERGER LAW
Get Help Quickly If You Can t Make Your House Payment
Get Help Quickly If You Can t Make Your House Payment Is there a problem if you miss just one house payment? Yes. The lender (the bank or whoever holds the mortgage) can start foreclosure. This means they
Information on Avoiding Foreclosure
Whitney Bank offers and provides financial products and services through its locations in Louisiana and Texas as "Whitney Bank" and as "Hancock Bank" in Mississippi, Alabama and Florida. Information on
Find the Solutions to Make Your Home More Affordable
Struggling To Make Your Mortgage Payments? Find the Solutions to Make Your Home More Affordable R E A L H E L P. R E A L A N S W E R S. R I G H T N O W. Having trouble making your mortgage payments? DO
Saving Homes-Saving Neighborhoods: Philadelphia s Data-Based Approach to Stabilizing Neighborhoods Threatened by Foreclosure
Saving Homes-Saving Neighborhoods: Philadelphia s Data-Based Approach to Stabilizing Neighborhoods Threatened by Foreclosure Presentation to the NGA Summit on Foreclosures & Housing Solutions Arlington,
Introduction. Purpose. Student Introductions. Objectives (Continued) Objectives. Instructor and student introductions. Module overview. Your name.
Introduction Instructor and student introductions. Module overview. Your Own Home 2 Your name. Student Introductions Your expectations, questions, and concerns about buying a home. Purpose Your Own Home:
How to Stop and Avoid Foreclosure in Today's Market
Solutions Home Buyers, Inc. 800-478-9213 ext. 700 SolutionsHomeBuyersFL.com How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company
HOMEBUYER S GUIDE. Know what it takes to buy your first home
HOMEBUYER S GUIDE Know what it takes to buy your first home homebuyer s guide If you re thinking about buying a home, we say congratulations. Most likely, it s the biggest purchase decision you ve made
Chapter 13 Bankruptcy Reorganization/Debt Discharge - A Guide to the Distressed Florida Homeowner Facing Foreclosure
Chapter 13 Bankruptcy Reorganization/Debt Discharge - A Guide to the Distressed Florida Homeowner Facing Foreclosure (as of March 13, 2009) By: Jordan E. Bublick, Attorney at Law, Miami, Florida Practice
LEARN ABOUT YOUR RIGHTS AND OPTIONS IN A FORECLOSURE
Helpful Agencies Here are some agencies which may lead you to lawyers who can help you: Lake County Bar Association 7 North County Street Waukegan, IL 60085 847-244-3140 www.lakebar.org Prairie State Legal
How to Stop and Avoid Foreclosure in Today's Market
How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company name] Discover all of your options [Pick the date] Find the solution or
Foreclosure Prevention Handbook
The New York Mortgage Coalition Foreclosure Prevention Handbook We re worried we ll lose our home. We need help... but we re not sure where to start. Let s check out nymc.org New York Mortgage Coalition
How the Fannie Mae Foundation can help.
How the Fannie Mae Foundation can help. If you re like most Americans, homeownership is a major part of the American dream. The Fannie Mae Foundation can help you understand the steps you will need to
What to Expect at Foreclosure Prevention Counseling
What to Expect at Foreclosure Prevention Counseling Who should go to foreclosure prevention counseling? Homeowners who are having, or soon may have, problems with their home ownership costs should seek
Mortgage Fraud. Table of Contents. Home Equity Scams Choosing a Loan Home Equity Dos Home Equity Don ts
Mortgage Fraud Table of Contents Home Equity Scams Choosing a Loan Home Equity Dos Home Equity Don ts Reverse Mortgages Home Loan Law HOEPA Prevents For more information on Mortgage Fraud visit: You could
To be considered for this assignment, candidates must meet the following criteria:
July 5, 2011 Dear Interested Party: Re: REQUEST FOR QUALIFICATIONS (RFQ) HOUSING COUNSELING SERVICES The Connecticut Housing Finance Authority ( CHFA ) requests written qualifications for housing counseling
Facts TIPS FOR CONSUMERS ON AVOIDING FORECLOSURE RESCUE SCAMS
NATIONAL CONSUMER LAW CENTER INC p Consumer 77 Summer S treet, 10th Fl Boston, MA 02110 617 542-8010 www.nclc.org Facts for Older Americans TIPS FOR CONSUMERS ON AVOIDING FORECLOSURE RESCUE SCAMS Older
Homeowners and Foreclosure
Foreclosure Homeowners and Foreclosure MLA :: 1-color logo :: PMS 1807c Advancing Human Rights and Justice for All in Maryland since 1911 Maryland Legal Aid: Who We Are Maryland Legal Aid is a private,
Need Help With Your Mortgage?
ACT NOW TO GET THE HELP YOU NEED! Need Help With Your Mortgage? Learn how you may be able to make your mortgage payment more affordable. Beware of Foreclosure Rescue Scams Assistance from a HUD-approved
ElderCare FINANCIAL AWARENESS YOUR HOME AND ESTATE. ElderCare YOUR HOME AND ESTATE 1
ElderCare FINANCIAL AWARENESS YOUR HOME AND ESTATE ElderCare YOUR HOME AND ESTATE 1 TABLE OF CONTENTS Introduction....Page 3 Your Home... Page 4 Foreclosure Rescue Scams Reverse Mortgages Predatory Mortgage
Complete Guide to Reverse Mortgages
Complete Guide to Reverse Mortgages Contents I. What Is a Reverse Mortgage? 2 Reasons for taking out a reverse mortgage 2 Differences between reverse and traditional mortgages 2 II. Where to Get Reverse
STATE OF COLORADO OFFICE OF THE ATTORNEY GENERAL JOHN W. SUTHERS Attorney General
STATE OF COLORADO OFFICE OF THE ATTORNEY GENERAL JOHN W. SUTHERS Attorney General Allocation of Settlement Funds March 16, 2012 Relief Available under the Settlement Background On February 9, 2012 this
AFFIDAVIT OF JOHN P. KELLEHER. John P. Kelleher, being duly sworn upon oath, deposes and says:
STATE OF NEVADA ) ) ss: COUNTY OF CLARK ) AFFIDAVIT OF JOHN P. KELLEHER John P. Kelleher, being duly sworn upon oath, deposes and says: 1. I am an attorney licensed to practice law in the State of Nevada;
I m behind in my mortgage payments, what should I do?
FORECLOSURES This handout was prepared by Legal Services of Greater Miami, Inc.(LSGMI) with support from the Institute for Foreclosure Legal Assistance. LSGMI represents homeowners in foreclosure and homeowners
CONSUMER. Steps that Advocates Can Take to Help Older Homeowners Prevent Foreclosure
CONSUMER Information for Advocates Representing Older Adults N a t i o n a l C o n s u m e r L a w C e n t e r CONCERNS Steps that Advocates Can Take to Help Older Homeowners Prevent Foreclosure Foreclosure
Office of the Arizona Attorney General. Civil Rights Consumer Protection and Advocacy
Office of the Arizona Attorney General Civil Rights Consumer Protection and Advocacy Civil Rights and Fair Housing Enforcement Consumer Fraud Enforcement and the Housing Industry AGO Complaint Process
Where employees can turn to when
Where employees can turn to when 1. Need legal advice on any matter. 2. You don t have a Last Will. 3. Your identity is stolen. 4. An insurance company doesn t cooperate on your claim. 5. A company refuses
Bankruptcy and Joint Accounts - Interesting Facts
Money! Money! Money! Catherine T. Martin Economic Empowerment Knowledge Is Power! Why economic issues are important Economic self-reliance supports independence Ensure stability necessary to maintain custody
Move Forward Without The Sting of Foreclosure
Need To Leave Your Home? Move Forward Without The Sting of Foreclosure The twists and turns of life are often unpredictable. IS THIS YOU? Has a major setback at work, with your health, or with your marriage
Accountant. the MHA Project. August 1, 2013
Accountant Presentation Training Title z Date NFMC and the MHA Project August 1, 2013 Introductions Ruth Hutchins NFMC & MHA Project Program Manager Nick Boettcher EHLP Program Manager & Monitoring Kevin
ACEEE Greening the Mortgage Process. Michelle Winters March 2012
ACEEE Greening the Mortgage Process Michelle Winters March 2012 NeighborWorks America Working Together for Strong Communities Support Homeownership Homeownership and foreclosure counseling Provide Affordable
Foreclosure Prevention
Foreclosure Prevention Resource Guide Summer/Fall 2011 Edition Prepared by: UAC Foreclosure Prevention Task Force Visit us on the Web: www.uac.org/foreclosurehelp.htm 1207 Chestnut Street Philadelphia,
The Impact of Fraud on the Real Estate Industry
The Impact of Fraud on the Real Estate Industry (insert name) PREP Chapter Presenter s name Location of meeting Date Program Goal: To explore the perception of real estate fraud at the local level and
Housing Counseling Suffers Major Budget Cuts
28 REVIEW OF BANKING & FINANCIAL LAW Vol. 31 IV. Housing Counseling Suffers Major Budget Cuts A. Introduction At a time when more than one in five mortgage borrowers owe more than the value of their home,
6 Steps to Completing Your Loan Modification Yourself
6 Steps to Completing Your Loan Modification Yourself Page 1 of 12 You hear it in the news almost every day, more and more hard working Americans are falling behind on their mortgage payments. Many real
Pre-Purchase Counseling Application
Pre-Purchase Counseling Application Guidance on purchasing a home and qualifying for downpayment assistance Pre-purchase counseling helps prepare the first-time homebuyer for the home purchase process
Foreclosure Prevention
Foreclosure Prevention Resource Guide Fall 2012 Edition Prepared by: UAC Foreclosure Prevention Task Force Visit us on the Web: www.frc.uac.org 1207 Chestnut Street Philadelphia, PA 19107 Table of Contents
Helping to make buying a home more affordable
Helping to make buying a home more affordable What we ll cover 1. Are you ready to be a homeowner? 2. Overview of programs to help make buying a home more affordable 3. Types of programs available to you
MORTGAGE FORECLOSURE MEDIATION PROGRAM FORUM
INDEPENDENT VOTERS OF ILLINOIS INDEPENDENT PRECINCT ORGANIZATIONS FAR NORTH CHAPTER PRESENTS COOK COUNTY CIRCUIT COURT MORTGAGE FORECLOSURE MEDIATION PROGRAM FORUM AUGUST 18, 2011 WELCOME Sandra Verthein
Seniors Top 10 things every senior should consider Reverse mortgages Planning funerals in advance makes decisions easier
MoTax Missouri Taxpayer Education Human Environmental Sciences missourifamilies.org/money/ Seniors Top 10 things every senior should consider Reverse mortgages Planning funerals in advance makes decisions
Foreclosure Prevention Resource Guide
Foreclosure Prevention Resource Guide Winter/Spring 2010 Edition Prepared by: GPUAC Foreclosure Prevention Task Force Visit us on the Web: www.gpuac.org/foreclosurehelp.htm Greater Philadelphia Urban Affairs
How to Avoid Foreclosure
How to Avoid Foreclosure M ost lenders do not want to foreclose. The process costs them money and they often sell the properties at less than the amount of the mortgage. Plus, lenders have some legal requirements