Get Out Of Debt Free paperwork

!: Get Out Of Debt Free paperwork

Find out how to Get Out of Debt Free in this 30 minute lighthearted but powerful presentation by Jon: Witterick, offering a unique insight into dealing with debt, Lawfully, Honestly and Truthfully. Beat the Banks and the Debt Collectors Totally Lawfully and Get Out of Debt Free... 7 Reasons why Credit Card/Loan agreements are unlawful or why you don't owe your bank/credit card company anything .... 1. Your Credit Card Agreement is an unlawful contract as it is ONLY signed by you- constituting a unilateral agreement. Contract Law 2. All contracts, in order to be valid, must be signed by someone able to bind the corporation in contract. Contract Law at www.getoutofdebtfree.org 3. Banks create money out of thin air- they have no money to lend you. Fractional Reserve Banking at en.wikipedia.org 4. It is not possible to actually pay the outstanding amount as the currency is based on worthless paper and 'electronic funds' on computers. Fractional Reserve Banking at en.wikipedia.org 5. You do not have to pay statements, only invoices. Bills of Exchange Act 1882 at www.opsi.gov.uk 6. You are not lawfully bound to pay anything which is unsigned. Bills of Exchange Act 1882 at www.opsi.gov.uk 7. The uppercase name on the credit card is not your name, but a 'corporate entity'. Blacks Law Dictionary at www.getoutofdebtfree.org --------- Ens legis: "Ens Legis. L. Lat. A creature of the law; an artificial being, as contrasted with a human being. Applied to corporations, considered as ...

Get Out Of Debt Free paperwork

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Mortgage Loan Modification Assistance - How to Get My Loan Modified

!: Mortgage Loan Modification Assistance - How to Get My Loan Modified

The home loan industry has changed stated income loans requirements if you don't know yet. Most lenders now want full documentation loans and borrowers qualifying by using traditional debt to income ratio calculations. This directly affects the high cost housing markets like California, Florida, and the tri-state area of New York, New Jersey, Connecticut as well as parts of Maryland, Virginia, and Massachusetts. The reason is a lot of homeowners in these markets used adjustable rate mortgages and qualified by using stated income, stated assets and some instances no verification of employment.

The adjustments for adjustable rate mortgages (ARMs) will continue through 2010 and into 2011. Most homeowners will be unable to refinance due to loss of equity in their home, their job, or other hardship. So, their best option is to negotiate with their loan servicing company or let the home go into foreclosure. Homeowners need to understand that when they send in a payment to the lender or loan servicer, that is their primary business to collect debts not negotiate with the public to change terms or modify interest rates. Furthermore, in a majority of the cases the borrowers do not get through to the right person or worse yet call them back in a timely fashion until they are close to foreclosure.

If a borrower has a truthful hardship and the bank is slow to react or refuses to listen what happens is a foreclosure results and the borrowers credit is hurt for seven years. When you are facing this situation and getting nowhere with a business and you don't get the results you need in a timely manner, you should hire an attorney who specializes in foreclosures and loan modifications!

There are many stories from borrowers who say they most banks will not discuss your situation unless you are behind two to four months in payments. Once that occurs, your hard earned credit scores from years of being responsible are wiped out. Furthermore, you may never be eligible for a home loan at market rates for quite some time.

The solution is to use a loan modification company that actually does have an attorney on staff to get answers and responses quickly so your situation is resolved quickly. You end up keeping your home, getting a loan modification, reducing your interest rate to an affordable level, and in some cases reducing your loan principal but there's no guarantees. An experienced debt representative from the attorney backed loan modification company will call you to see if you do qualify based on certain criteria.

Although, some firms will take your money even if you don't qualify. Those are the ones you have to watch out for. They hit you when you're down. Work with a loan modification company that has success, years of experience, paralegals and an attorney on staff. You will feel more at ease knowing you have the best team working on a solution for you whether it be a short sale, a deed in lieu of foreclosure, tax ramifications of short sale, or a loan modification.

A lawyer who specializes in negotiating with lenders can achieve magical results especially if they find RESPA or TILA violations to use for leverage. A real estate attorney understands how to speak their language and get the lender to negotiate. When a homeowners uses an Attorney, the lender's loss mitigation and legal department become very receptive and responsive. Get a good legal team on your side to stop foreclosure and get a loan modification!

Mortgage Loan Modification Assistance - How to Get My Loan Modified

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Loan Modification Cost

!: Loan Modification Cost

How much should a loan modification cost? After calling some of the companies they had quoted me anywhere from ,500 all the way to ,800. (With no guarantee I would get my money back if they couldn't do the loan - or denied for any reason.)

Learn why you shouldn't pay a loan modification company to do your loan. I will share with you some reasons why, not to shell out your hard earned money.

Reason 1: Did you know many of these companies where the sub-prime mortgage company, that went under when the real estate bubble busted.

- Most of these previous mortgage brokers are not looking to service your loan they are looking for the next customer, after receiving your money. The reason they are looking for others because there is a small window of opportunity to obtain a modification. (6 - 12 months)

- Also once, let's say your file was accepted by your mortgage company for the new loan, they are agreeing with the first offer from the bank. Not looking to fight for you to get a lower payment and/or rate. (What do they care they already have your money.)

Reason 2: Did you know in California there is only a handful of certified loan modification consultants, but interesting that there are 1,000 of companies offering this service. (Loan modification reps are not required to be licensed.)

Doing it yourself you are now taking charge of the situation. You don't have to worry that you are not getting the attention you need for your file, because you are the one whom would be handling it. You have worked to hard for your money, do it yourself, not these loan modification company.

These are some strong reasons to not pay a company, so you don't have to worry about the ridiculous charges that the loan modification cost.

Loan Modification Cost

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Construction Loan Rates

!: Construction Loan Rates

Construction loan rates are a big consideration before you apply for a loan of this type. Due to the fact that construction loans usually deal with high amounts of money, the interest rates have a great impact on the total amount of money that the borrower will have to pay as an extra to the lender. Although each lender (usually a financial institution such as a bank) offers different interest rates for different construction loan types, there are generally a few standard guidelines that an interested borrower might need to consider.

First of all, it is essential to understand the nature of construction loans. Unlike some other types of loans, construction loans are generally considered to be risky. Due to the fact that your lender, by default, has to give you a loan on a risky investment, he sets a relatively high interest rate. This is common among all the financial institutions. On the other hand, one should not be fooled into believing that the interest rates are the same at every financial institution. While it is generally true that financial institutions, as a rule, do not give very good interest rates for constructions loans, the difference between one institution's rates and another's could still be significant.

And for those who have good credit, the interest rates are a lot better compared to those of someone who does not. The lender will always consider the borrower's ability to pay back everything on time before he gives him a good offer.

Interest rates are very dependent on the exact type of construction and the risk factor as well as other external factors such as politics. Assuming that all the factors are positive, the potential borrower should take the next step and take a construction loan. Otherwise, he might need to consider other alternatives.

Construction Loan Rates

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Car loans Commercial Funny

Car loans Commercial Funny Video Clips. Duration : 2.37 Mins.

bit.ly In today's modern world, people are very busy because of their commitments and traveling involved from home to work, shopping, children come to school, meeting friends, etc one place to another. Therefore, people should give more importance to the time saved in travel. Here the car comes into play. But buying a car or a second car for the family is not always economically feasible. Here, auto loans or auto loans are very helpful. A few decades ago, a carwas considered a luxury only the rich could afford. But as the car industry expanded and flourished and reached its production, the car was to buy cheaper and easier. Many came to the car manufacturers, banks and private companies there auto loans for people who could not afford to buy a car with a full payment of the purchase price. auto financing was also useful to encourage users to work on a fixed salary, or those who are hesitant to invest a large sum wasBuying a car. People bought cars and maintain / enhance their status in society, even if it comes to buying a car for a car loan. Over the past two decades, has become a machine or two or more cars for a family more than a necessity, but as a status symbol. In this case, the decision for a car loan is not a bad idea if you really need a car to make life easier for you and your family and it's really useful to solve everyday travel. You can chooseThe purchase of a ...

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The LifeLock Identity Theft Prevention - Identity Protection

The LifeLock Identity Theft Prevention - Identity Protection Video Clips. Duration : 3.40 Mins.

For many of us to protect our identity is a priority. We know that identity theft is a reality, and last year more than 9 million people had their identity stolen. Can you imagine someone with your credit card, access your bank accounts or renting a property in your name? The idea is very scary and the identity of the alert to understand your concerns. Therefore, we have a system that searches through thousands of databases in order to show you what personal information you have in circulation, which createsIdentity thieves can steal. Most of you know more protection against identity theft as Life Lock. The company claims that customers from identity theft, protecting fraud alerts on their credit accounts. But the Federal Trade Commission has recently established the company 12 million dollars for fraudulent practices and false advertising. In an article on wired.com, the FTC Chairman Jon Leibowitz, saying that "the protection which it has provided a contentbig hole ... you drive a truck through them. "If the reference is on Loch Leibowitz, lack of privacy protection and blocking of thieves, you may be charged to the accounts currently being a somebody. Mentions the truck and the truck purchased and placed Life Lock's CEO Todd Davis, number of Social Security. The company used this marketing ploy to ensure the security that promote the customer. Ironically, a thief used Davis' Social Security number soon after to ensure a$ 500 ...

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Commercial Loan Processing - Outsourcing Strategy for Mortgage Brokers and Lenders

There are so many financial institutions, lenders and mortgage brokers that receive tens of thousands of loan applications every month from customers and for them; the need for effective commercial loan processing arises. Financial institutions are very particular about this stage of the loan process as the failure of any professional to conduct his/her duties effectively leads to bad loans, one of the reasons for the current global economic downturn.

Commercial loan processing involves the various stages that a particular loan application goes through to ascertain whether the application meets the laid down regulations of particular lender. These are basically the processes that inform a lender whether your loan application should be granted or disapproved. The tedious and complicated nature of this job means that many people in the loan industry are not big fans of it in spite of its obvious importance.

Commercial Loan Application

The first step of commercial loan processing involves the completion and submission of a loan application by an applicant. This is only possible in most Cases after a particular financial institution has assessed the personal and financial circumstances of the prospective applicant such as his /her level of income, current debts, etc. as well as other important considerations such as the purpose for which the loan is being sought, etc. to prequalify the applicant for the loan.

Commercial Loan Processing - Outsourcing Strategy for Mortgage Brokers and Lenders

!1: Now is the time How To Obtain Business Loans: An Insider's Guide Order Today!

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Imposing pillars, pretentious marble floors, stuffy boardrooms and stifling bureaucracy...ah banking. In the wake of the S&L fiasco, regulation came down hard on the profession integral to our national economy. Commercial lending ground to a halt in the early '90s and Arthur Miller could have penned a sequel known as Death of a Businessman.

Access to capital was forever changed by those events. Obtaining business loans in today's highly regulated environment requires special knowledge and skills previously unneeded.

Written by a banker, How To Obtain Business Loans is always humorous and frequently sarcastic. The author aims his wit at the funny (if it weren't so serious) manner in which banks study commercial credit applications. So, while you're being entertained, you'll garner the inside information required to get the business loans you need.

How To Obtain Business Loans is an education in the ways that banks are currently set up, how they operate in the prevailing environment, the way they look at you and how to get the most out of your relationship with them. Rephrased that's who you need to be talking to at the bank, what loans they are willing to do and under what conditions, what's important on your application for financing and how to get your loan approved.

The author has a special knack for making the industry's rules and regulations crystal clear. Blame is laid on a regulatory system which hurts the very individuals it is supposed to help - the small business people of this country. A group, by the way, that creates 80% of the jobs nationwide.

This book is not some macro-economic report on the current status of the economy. You'll hear what's actually happening in our financial institutions from a banker waste deep in regulation and bureaucracy. You'll come away with the knowledge of what really goes on in the boardroom, and how you must adjust to successfully obtain credit. You'll be getting the real story.

How To Obtain Business Loans is an expose like none ever written about the financial service industry. Its contents are highly controversial and thought provoking. In short, the book lets the public in on secrets bankers and government officials have kept close to those gray vests.

The details are given in short-story form, relating actual instances from the author's own experience as a bank officer. With that in mind (as you would expect) all the names and financial figures have been changed to protect the anonymity of the parties involved. Which is why the author was forced to use a pseudonym, so as not to call attention to the institutions that retained him. Readers should take special note that the occurrences/conditions recounted are indicative of all similar sized institutions. Which is to say regional sized banks where most of American business goes for financing.

The applicant will also be required to submit additional documents such as pay slips, bank balances, tax reports, credit reports, etc. as well as business plans and business profiles, if the loan being sought is meant to be invested in that business. Most commercial loans also require applicants to submit some form of collateral such as stocks or bonds, real estate and other forms of guarantees.

The next step of commercial loan processing involves the assessment of the submitted loan documents by a loan officer to determine whether everything is in order. The loan officer may also ask for additional documents to enhance your application and once he/she is satisfied with the documentation regarding the application, the application package is sent to a loan underwriter.

The loan underwriter finally assesses your application by taking into perspective the loan amount being sought, the purpose of the loan as well as the accompanying documents to determine whether to approve your application or refuse it. This normally takes about five working days.

Once the loan underwriter approves your application, you will be handed a letter of intent to sign after which you may be handed any costs associated with your application such as appraisals to settle.
The final stage of commercial loan processing involves the resubmission of the application to the underwriter for approval, after all conditions have been met. Once this stage goes through, the final loan documents will be handed to the applicant for him or her to append the final signature.

The loan will be transferred to the applicant after all the conditions have been met, through a banker's draft, cashier's check or bank wire.

Commercial Loan Processing - Outsourcing Strategy for Mortgage Brokers and Lenders

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Travelers thrift charter application stalled.(Travelers Group): An article from: National Underwriter Property & Casualty-Risk & Benefits Management

!1: Now is the time Travelers thrift charter application stalled.(Travelers Group): An article from: National Underwriter Property & Casualty-Risk & Benefits Management Order Today!

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This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on October 27, 1997. The length of the article is 663 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Travelers thrift charter application stalled.(Travelers Group)
Author: Dan Lonkevich
Publication:National Underwriter Property & Casualty-Risk & Benefits Management (Magazine/Journal)
Date: October 27, 1997
Publisher: The National Underwriter Company
Volume: v101 Issue: n43 Page: p7(2)

Distributed by Thomson Gale

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Thrift Savings Plan Webcast

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Information to workers on the federal government's investments in the Thrift Savings Plan.

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Commercial Real Estate Loan Application Process

Understanding the loan application process is important in order to anticipate the time, expense and major milestones involved in obtaining a permanent mortgage for your commercial property.

The process can be broken down into five stages: preliminary, application, commitment, due diligence and closing. Typically, it will take a total of approximately 60 to 90 days to go through all five stages.

Commercial Loan Application

First Step

Commercial Real Estate Loan Application Process

!1: Now is the time A primer for brokers submitting a commercial loan request.(loan application filling tips): An article from: Westchester County Business Journal Order Today!

Nice Design by :Over All Rating Reviews : Great Deal : $5.95Date Created :Mar 08, 2011 23:52:22

This digital document is an article from Westchester County Business Journal, published by Thomson Gale on January 23, 2006. The length of the article is 1240 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: A primer for brokers submitting a commercial loan request.(loan application filling tips)
Author: George Unser
Publication:Westchester County Business Journal (Magazine/Journal)
Date: January 23, 2006
Publisher: Thomson Gale
Volume: 45 Issue: 4 Page: 20(1)

Distributed by Thomson Gale

You start with a phone call or meeting between you and your mortgage banker. You will be asked to provide information about the location, a site plan, your rent roll, operating expenses and your background and financial information.

In turn, your mortgage broker should provide a detailed explanation of the estimated expenses associated with the loan.

After your initial meeting your mortgage broker will make a site visit to inspect and take pictures of the subject property and may even arrange for aerial photographs of the subject and surrounding area.

Using the information gathered, your mortgage broker will prepare a detailed analysis and an investment offering for the selected lender. Keep in mind that different lenders prefer certain types of property and your broker will know which is best suited to your property, loan size and loan structure. By indicating as specifically as possible, the desired loan amount, and loan term and amortization schedule, you will help your broker focus on those lenders offering the best terms for your needs.

Be aware that it would not be typical for a lender to require a processing fee from the borrower at this stage in the review process.

Usually it will take one to two weeks for your mortgage broker to receive a detailed response from the lender that has reviewed your loan file. The response from the lender will typically take the form of an "application letter" that outlines all the basic loan terms.

Sometimes, the "application letter" will offer terms that are different than those you requested. In such Cases you will have to evaluate the options available with the input from your mortgage broker.

Application

Depending on the lender, the loan application will be issued on a form supplied by the lender. This application specifically will address the terms outlined in the loan proposals and many of the items that will be required to complete the process.

In addition to the basic loan terms, some items that you will find:

1. Indication as to when the interest rate is locked: upon application, commitment or a date closer to closing

2. The due diligence items that will be required

3. The date by which the loan will be funded.

Typically, the borrower will be required to deposit 1 percent of the loan amount with the lender at the time the application is submitted. This deposit is normally refundable if the lender fails to issue a loan commitment on the same terms contained in the loan application or when the loan is funded.
You also may be asked to certify that you are only applying to one lender and will not make application to any other lender during the application period, which normally runs for 20 to 30 days. Your mortgage broker probably will ask for additional information about the property and the borrower's financial background, ownership structure and references. The initial investment offering then is expanded into a full valuation of the property, including market rent, sale and land comparables. The lender will also run a complete credit check on the borrower and key partners/owners.

You will not be required to provide expensive due diligence reports like appraisals, environmental or structural reports until the lender has issued the binding loan commitment.

Upon execution of the loan application, it will take your mortgage broker between two to four weeks to obtain the binding loan commitment from the lender.

©Gary R. Crum 2007 All Rights Reserved

Commercial Real Estate Loan Application Processdemand for commercial real estate Video Clips. Duration : 0.37 Mins.

Loan Application www.lendinguniverse.com and in addition to financing business broker commercial loans, construction loans as well as broker of commercial mortgages. www.lendinguniverse.com mortgage banks in California with the help of business brokers, commercial mortgages and small ...

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