Builders begin to RENT?!? model homes….WTH?!?!
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Duration : 0:7:28
http://www.defendyourdollars.org/video.html
Carl Lee of Westchester, Illinois is 42 years old and lost his home to foreclosure in 2006. He now lives in a home he rents with his wife and young daughter. When Mr. Lee purchased his first home in 2002 it was the fulfillment of a life-long dream to finally become a homeowner. Mr. Lee thought that the loan he was sold was a fixed rate mortgage and that his monthly payments would be the same for the life of the loan. He was surprised when he realized he had received an adjustable rate loan and that his initial payment would go up, and continue to rise in the future.
To take action and learn more about Carl Lee and the Faces of Foreclosure go to www.defendyourdollars.org
Duration : 0:3:16
Why a “Free Consultation” is never really Free. Honest New York Bankruptcy Lawyer, Lawyer Scams, Credit Card Relief, Debt Consolidation Lawyer.
Hi, I’m Neil Colmenares. I’ve been asked many times, with the exception of personal injury, why there is a small fee for a consultation with this office. The answer is simple. I’m an honest attorney. Let me explain.
It is true that some attorneys give “free” initial consultations. But remember the old adage, nothing in this world is truly free.
Generally speaking, a legal consultation when done correctly takes close to an hour of attorney time. If an attorney spends an hour with you and did not charge you a fee, chances are they are going to look for ways to make money off of you. If not, they have just wasted an hour of their time.
Typical scams include luring you in with a “free” consultation whereby the lawyer (or in most cases the secretary) after asking you a few quick questions, gives you a minimum down payment of normally $500 to come in with before they can start work on your case. After you come in with the deposit, then and only then are you actually given a real consultation. In most cases, the attorney then notifies you that either they cannot help you and they end up charging you a inflated hourly rate for the work they allegedly did or even worse, try to sell you on services that you either do not need or know will not work so that can make more money off of you.
In situations like these, are you sure you’re receiving honest advice? Was that consultation truly “free”?
At this office, since were compensated for our consultations, you will have no doubts that you have received honest, valuable and unbiased advice.
One more thing to keep in mind, in close to half of all of our consultations, we’ve been able to give our clients advice and specific information on how to resolve their problems on their own without the need of a lawyer. This all leads back to my promise to my clients to put their interests ahead of my own.
If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone. Thank you.
Queens Free Bankruptcy Consultation Bankruptcy Attorneys New York Lawyers Brooklyn Foreclosure Lawyer Long Island Staten Island mortgage modification Bronx debt consolidation attorney Nassau Suffolk Long Island Credit Card Relief
Duration : 0:2:12
Stop Foreclosure Save your home loan modification help, avoid Short Sales Relief, Best Mortgage Foreclosure Lawyer video
Hi, I’m Neil Colmenares. I represent homeowners in mortgage foreclosures. Although I have been in private practice for nearly a decade, I used to represent large banks in the foreclosure process. As a result, I have experience on both sides of the foreclosure fence. I urge you to take advantage of this unique knowledge and experience that I have acquired over the years.
-If you’re in foreclosure or are threatened with foreclosure, you have options.
-First, if the bank has not commenced foreclosure proceedings, you can apply for modification, forbearance, short sale or deed in lieu of foreclosure. Please see the accompanying page on this website for a definition of these terms. Sometimes negotiating with the bank before the foreclosure process can work to your advantage. Unfortunately, this is not always an option.
-If the bank has already commenced the foreclosure, it is imperative that you retain this office to file an “Answer” with the court. By Answering, we may be able to settle the lawsuit on terms that are favorable to you that the bank would not have agreed to but for filing an Answer. For example, in New York State, there is a mandatory “Settlement Conference” that is required in every foreclosure action. This Settlement Conference as well as the discovery phase of the foreclosure is an ideal time to remind the bank that over the past several years during the real estate boom that many lending institutions have engaged in unethical behavior by violating various consumer protection laws such as the truth in lending act, the real estate settlement procedures act, the fair debt collections practices act and the Home Ownership Equity Protection Act, just to name a few. Some banks realizing that they violated these consumer protections that we have raised as a defense, are likely to renegotiate the mortgage rather than have the court invalidate the mortgage altogether.
-Unfortunately, in some situations, such as answering the foreclosure just before the sale date, is equivalent to putting a band-aid on a gun shot wound. At this point, other options may exist to help you keep your home such a Chapter 7 or Chapter 13 Bankruptcy. Please see the accompanying pages on this website for more information on Bankruptcy.
-I strongly suggest calling this office to discuss your legal options. The sooner you call, the more likely you will be able to defeat the mortgage foreclosure process and keep your home.
-If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone. Thank you.
Queens Mortgage Foreclosure Attorneys New York Modification Lawyers Brooklyn Foreclosure Lawyer Long Island Short Sales Sale Staten Island mortgage modification Bronx attorney Nassau Suffolk Long Island best
Duration : 0:2:45
Queens Bankruptcy Attorney Attorneys Lawyer Lawyers Queens Brooklyn Bronx New York Manhattan Staten Island Nassau Suffolk Long Island
Hi, I’m Attorney Neil Colmenares. Welcome to the website for The Law Office of Neil E. Colmenares, a Professional Corporation.
On each page of this website, you’ll find information on the areas of law that interest you. You can also find information about me, Attorney Neil Colmenares, my experience, my education and my legal activities.
It is important to know that I treat every client the same way I would treat a member of my own family—with honest and straightforward advice whose interest I always place above my own. My goal is that every client feel that they have found the best attorney who cares about them. It’s no wonder that most of our clients come from referrals from other satisfied clients.
This office is available exclusively via our brand new state of the art internet office. The days of taking off from work and spending it at your lawyers office are over. This office is never more than a phone call or video conference away. Moreover, we provide after hours consultations to accommodate your schedule. You can be assured we are up to date on the latest developments in the law and that this office uses the latest technology including electronic mail, electronic filing of court documents, electronic storage of documents and video conferencing to better serve your needs.
At The Law Office of Neil E. Colmenares, P.C., we practice in only a few areas of the law to make sure we are, in my opinion, the best at what we do. Remember, a jack of all trades is a master of none. Please know that if your legal needs fall outside of our areas of expertise, we will make every effort to refer you to an honest, diligent attorney who can help you.
This website contains a wealth of information. I encourage you to book mark this site for future reference.
If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone.
Thank you for visiting The Law Office of Neil E. Colmenares, P.C. I hope you found this information useful.
Bankruptcy Attorney Attorneys Lawyer Lawyers Queens Brooklyn Bronx New York Manhattan Staten Island Nassau Suffolk Long Island
Duration : 0:2:6
Tough economic times are forcing more homeowners into trying to modify their loans to avoid foreclosure…But for some it has turned into a nightmare. Attorney Michael Kushner, from the Kushner Law Firm, PLC discusses with Fox LA.
Duration : 0:3:37
Special Housing Depression update with George4title and VisionVictory.
Part 2 will be posted on Friday April 10th at youtube.com/george4title
Part 3 will be posted on Sunday April 12th on the VisionVictory Channel
TBA Part 4 & 5
Duration : 0:6:47
Questions can be sent to: besserpaperwork@yahoo.com
Paperwork can be found here: http://besserpaperwork.blogspot.com
Lion News Blog address (URL): http://lionnews00.blogspot.com
On 06-09-10 issues of Lion News were being distributed throughout Alexandria, MN. Thugs wearing badges and guns tried to censor the distribution through a harassment campaign. However, by acting as a team, the vile censors were no match for the vicious pair of lions! Watch the censoring crooks scurry back to their dark holes! Thank you, Lord!
Check out this:
Lion News: Glenwood Cops Give Aid And Comfort To Disorderly Person?
These thugs learned their tactics on how to hide their identity from the people like the City Attorney and the County Attorney, didn’t they? These thugs are taught strategies how to commit a crime and then how avoid the consequences, aren’t they? These crooked attorneys are supposed to protect individual’s rights, not special interest group’s rights! And there is no right to commit crimes, is there?
Don’t Talk To Cops
http://www.youtube.com/watch?v=08fZQWjDVKE
Duration : 0:3:2
http://realestatemarketingthisweek.com/foreclosure/the-pitfalls-for-trusting-your-bank-one-more-time-beware-the-foreclosure-sharks/ – The pitfalls for trusting your bank one more time; Beware The Foreclosure Sharks –
Part 4 – This whole loan modification thing reminds me a lot of the old Peanuts comics where every fall Lucy would get out with the football and she would set it down on the ground, and she would coerce Charlie Brown into coming along and kicking the football. Well of course as we all know Charlie never got to kick the ball, Lucy always pulled it out from underneath him and I kind of look at the mortgage industry, the servicing end of it in particular that way.
You have to think about it, in many cases the loan that you were put into was not a good loan in the first place. The person who gave you that loan knew it was not a good loan, the Wall Street banks that came up with these crazy ideas should have known better. Now admittedly they didnt otherwise they would not be out of business today, but they should have known that these were not good products.
Yet when you are faced with an issue regarding your house so many people go back to the bank, like Charlie Brown going back to Lucy and believing that THIS time Lucy is not going to pull the ball away. Well what is going to keep the bank from not pulling the ball away from you this time? Absolutely nothing.
I love that analogy; everyone remembers the Charlie Brown show and the comic books like you said. Another thing I want to point out too, going back just a little bit, you mentioned the lenders who put these home owners into these loans knew that they were not good loans. My thoughts after some of the mods that Ive seen, that you and I have seen doing the forensic audits, the home owner could have qualified for an FHA loan in those times, but it was so much easier for banks to put them into these sub prime loans because the documentation was easier, and it was just easier.
It is not just that they are easier; I know that your firm, Velocity Financial is FHA approved but what percentage of lenders today when, we probably have maybe 30% as many lenders as we had two years ago, what percentage today is FHA approved?
In the state of Arizona, of all the lending institution, less than 15% of all mortgage firm, banks, credit unions, less than 15% are licensed by the federal Housing Administration. Velocity Financial is proud to be one of those firms.
What I saw back in the peak of the market is of course everybody thought that real estate was going to go up for ever. Every body wanted to jump on board and buy 3,4,5,6 properties and I always tell the story that I knew we were in trouble, I knew we were hitting the top of the market long before I developed any of the models for Real Estates Future when I walked into our bank one day and I saw that they had a loan that was 100% financing for someone to buy an investment property and they didnt have to prove their income and they only needed a 620 FICO score.
Which considering everything now, I mean, to get a Fannie Mae loan today what kind of a FICO score do you need? If youre an investor? If youre an investor you need 720 and probably 20% down, at least 20% down and certainly it is not stated income anymore. No that doesnt exist, and significant cash reserves, the whole nine yards.
So these banks knew the kind of garbage that they were giving to people and yet we are supposed to trust them to get us good loan modifications. I think that in one of the later segments we are going to talk about the newest guidelines that just came out from Fannie Mae and Freddie Mac regarding their new fancy-schmancy loan mod program and to be honest with you I dont think it really does much for people at all. We will talk about that in the next segment and to the people who are in the mortgage or real estate industry or who have been in the real estate or mortgage industry it is going to sound a little bit like a comic bit because this might as well be bath tissue, I dont even know why they came out with it.
We are going to talk about that along with a few other things, so real quick I know we havent had too much of a chance to talk about The Foreclosure Sharks, Dan but we will touch on that a little bit later. How do people get a copy of this white paper, The Foreclosure Sharks these are things that people need to be looking out for?
Yes, for The Foreclosure Sharks you can go to my website, http://mortgageanswerman.com. There will be a link there you just click on it and pick yourself up a copy and it will help if you are in a foreclosure situation if people come knocking on your door it will help you to at least know what to look out for. So mortgageanswerman.com for The Foreclosure Sharks… http://realestatemarketingthisweek.com
Duration : 0:6:54
Attorney General Martha Coakleys Office entered into a settlement with Fremont Investment & Loan and its parent Fremont General Corporation (“Fremont”) to resolve the Commonwealth’s lawsuit against the California-based lender. Fremont has agreed to pay the Commonwealth $10 million in consumer relief, civil penalties and costs. Fremont has also agreed not to foreclose upon unfair loans without certain protections for borrowers or originate unfair loans in the Commonwealth. Those protections against foreclosure, which have been in place since the Superior Court issued a Preliminary Injunction in March 2008 are now permanent and also apply to the loan holders and servicers who acquired the Fremont loans since the injunction issued.
Duration : 0:5:11