In this video I discuss why I believe it is perfectly moral to breach a contract under certain circumstances when dealing with particular types of contracting partners. I do not advocate breaching contracts where it is not moral to do so; however, Americans have a sense of fair play and integrity that makes them reluctant to breach even where doing so is perfectly fair (considering all the circumstances involved). To continue to be conditioned into not breaching in a world full of contract partners that consistently play by their OWN set of rules; is not good for the community. Note: I refer to ‘corporations’ as being the ‘evil-doers’ here; but of course I don’t mean to imply that every single corporation in the world is run without a moral compass. It’s obvious though that almost every major multinational corporation disregards Contract related ethics when dealing with relatively powerless individuals.

Loan Modification Attorneys Negotiate Home Mortgage Bailout – Foreclosure Assistance Plan – Real Estate Foreclosure Prevention Alternative To Fraud and Scams. 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 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 ModificationHotline.com and Complete Our Easy Form – It Takes 2 Minutes and Can Help You Save Your Home. http

Tax on 1099C, Cancellation of Debt Income; Short Sale, Loan Modification & Foreclosure. Exception; Mortgage Forgiveness Debt Relief Act, Bankruptcy & Insolvency. Go To RealEstateMarketingThisWeek.com Part 1 (Excerpt) Expert tax advice from a CPA regarding a real estate related issues Today’s show has a timely message. We have with us, an expert in the tax ramifications of the different types of mortgage situations that people find themselves in, we have brought in Mike Patenella, that I will introduce in just a moment, as well as Brett Fallon is back with us. Were going to be talking about the tax ramifications of short sales, foreclosures, and some of the different types of loan modifications. Now if you listen to our show regularly, of course you know, we have been over the last several weeks, talking about loan modifications, but we have been getting hundreds of e-mails and calls requesting more information on the loan modifications. There are also some interesting questions that people ask about whats going to happen in regard to taxes. Thats the one thing that so many people are not talking about. Well we need to talk about it. Its something that we need to bring to you that you can hear and thats what were going to focus the majority of today’s show on. Before I introduce Mike I need to introduce one of my very best friends and the best financial advisor I have ever known, Brett Fallon. Brett thanks for being on the show today. Brett also has some information in …

www.SaveMeFromForeclosure.com is the nations leading foreclosure prevention expert. If you are a homeowner in default we can help you stop foreclosure and avoid foreclosure on your mortgage and your home and house. You Have Options & We Can Help is our slogan, and you can get free foreclosure help. We can help you stop foreclosure and save or keep your home, or we can help you avoid foreclosure and sell your home fast. If you are behind on your mortgage payment & want to save your home from foreclosure & keep it to avoid foreclosure, http will suggest an attorney backed loan modification. A loan modification is a great way to stop foreclosure. It can help you reduce your interest rate, the principal balance on your loan, or sometimes even both. To see if you qualify for a loan modification and to get a free, no-risk, no-obligation analysis of your mortgage situation, visit www.savemefromforeclosure.com or call us toll free at 1-888-472-8380 so we can help you stop foreclosure fast and you can avoid home mortgage foreclosure. If you are behind on your mortgage payment & you want to sell your home fast, even if you have no equity, or you owe more than your home is worth and need help with a short sale, www.SaveMeFromForeclosure.com can you help you. We can help find a buyer for your home, or negotiate a short sale with your lender so you can sell your home fast without having to bring any cash to closing. To get started with a free, no-risk, no-obligation analysis of your …

Know your options, get the unbiased truth about credit, bankruptcy, foreclsoure, debt settlement, and more. Todd Rooker is giving away a free report on how to protect your credit in any crisis situation by first, exploring your financial options and the implications that come with each. The report will show you how to weather your finanical storm. Download at www.creditmanifesto.com today. Todd Rooker has never given this type of information outside of a paid consultation before. Take control of your financial future by reviewing what banks and credit card companies don’t want you to know.

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(Click “More Info” to see full video script!) www.60MinuteLoanModification visit for a free CD on Mike Rockwood’s experience modifying 5 of his own home loans – and how you can too. Ask Mortgage Modification questions on our forums at http Initially, lenders strictly adhered to the seven guidelines explained below when awarding mortgage modifications. Today thats no longer true. Theyre now limiting their analysis to fewer of the original criteria as the crisis deepens and the workload increases. In fact, the range is surprising and somewhat inconsistent. This indicates to me that the rules are being written on the fly. Virtually all lenders are using cascading calculations, whereby one set of calculation results are used in the subsequent calculation. Therefore, no one criterion is final; rather, qualification depends on a combination of factors. Ability to pay: This is your ability to meet the obligations of the modified loan. Customary underwriting criteria are used, so take 55% of your gross monthly household income. That is a rough estimate of how much monthly debt payment the lender will allow. This is your target amount after modification. Debt to Income Ratio is the term that lenders use to describe this underwriting guideline. Its simply your total monthly debt payments, including cars, credit cards, student loans, and others, divided by your Gross Monthly Household Income. Type of Loan: 100% of Negative Amortizing Adjustable-Rate Mortgages (NegAM) loans will be …

… by the CHAPS! web.archive.org 209.85.129.104 Appraisers Petition 2002 Concerned Real Estate Appraisers from across America Submit the attached petition (Which was posted on appraisersforum.com): To: Mr. Ben Henson – Executive Director Appraisal Subcommittee (ASC) Federal Financial Institutions Examination Council email: benh1@asc.gov cc: Other state or federal agencies with authority in the following matter “The ASC’s mission is to ensure that real estate appraisers, who perform appraisals in real estate transactions that could expose the United States government to financial loss, are sufficiently trained and tested to assure competency and independent judgment according to uniform high professional standards and ethics.” From the ASC website. The concern of this petition has to do with our “independent judgment” in performing real estate appraisals. We, the undersigned, represent a large number of licensed and certified real estate appraisers in the United States, who seek your assistance in solving a problem facing us on a daily basis. Lenders (meaning any and all of the following: banks, savings and loans, mortgage brokers, credit unions and loan officers in general; not to mention real estate agents) have individuals within their ranks, who, as a normal course of business, apply pressure on appraisers to hit or exceed a predetermined value. This pressure comes in many forms and includes the following: the withholding of business if we refuse to inflate values …

Mortgage Foreclosure Rescue Scams – Documentary Video We Stop Foreclosure Rescue Scams (2008) by Kyra Olds This is a documentary about mortgage foreclosure rescue scams that are occurring across the country in light of the growing foreclosures. The movie describes common scam tactics and how distressed homeowners fall for these scams. The movie concludes with what lawyers can do to challenge these scams in court and the Washington State Legislature’s response to try to to stop these scams by passing House Bill 2791 and Senate Bill 6381. It is intended to educate advocates so they can better assist homeowners facing foreclosure. Director: Kyra Olds Producer: Northwest Justice Project Sponsor: Eric Dunn Keywords: foreclosure rescue scam; washington; mortgage; foreclosure; 2791; northwest justice project; njp Contact Information: Northwest Justice Project 401 2nd Ave S Seattle, WA 98104 www.nwjustice.org Creative Commons license: Attribution-Noncommercial-Share Alike 3.0 United States Credits: We Stop Foreclosure Rescue Scams by Northwest Justice Project; Featuring: Eva, Client of NJP; Eric Dunn, Attorney at NJP; Melissa Huelsman, Private; Attorney in Seattle; Judy Poston, Housing Counselor at Solid Ground; Julia Kellison, Attorney at NJPl; Fred Corbit, Attorney at NJP Produced by: Kyra Olds, Intern at NJP Foreclosures are increasing nationwide, and so are scams that promise to rescue homeowners from foreclosure. What these scams do is take your money, ruin your credit …