How To Take Back Your Home from Banks that Want to Take It Away! Insider Secret That May Help!

Statistics now show that approximately 8 out of 10 loans written between 2000 and 2005 have some type of violation written into them. This could lead to cash back to the client, principle reductions, Loan Modifications and in some cases complete relief of the loan liability. This can save thousands of homeowners from being thrown into the street; the biggest problem is your bank is not going to tell you this because they can lose their note on your home.
If you received a mortgage in this time frame you stand a good chance of saving your home from the Sheriffs gavel or the Mortgage Company taking your home from you.
If you have a mortgage and you took out the mortgage in the years 2000 to 2005 and you had either a sub-prime loan or maybe you were one of the people who took out a liar loan or a pay-option arm with the infamous 1% start rate This article is Written for you.
The Following Facts are for you to see if you are affected
If you think you might have an issue with your loan or don’t know if you have an issue, why not get a Forensic Audit!
What they are looking for:
Forensic Audit on all Loan Documents!
– Original closing Package
– TIL, GFE, APR, INDEX, Margin Calculations
– Rescission dates and notifications
– Appraisal and Escrow
– Looking for Ammunition for Negotiations
– Violations are RAMPANT!
– Estimates at over 80% have violations
– More thorough review of the case.
What happens if violations are found?
Studies show over 80% of Mortgage loan closing documents have violations!
– Monetary damages up to 3 years interest payments.
– HUGE leverage in Negotiations
– Lenders has 20 days to respond to a written request.
– Lenders have 60 days to Cure (fix) the problem.
– Loan Modification decision in less than 90 days.

If you don’t have the documents listed that okay the lender has to produce the originals including a copy of the note to the attorney who is furnishing the Forensic Audit.
– TILA, RESPA, Good Faith Estimate, Payment changes
– Adjustment period, APR, margins
Sample Results of an Audit that can change your whole outlook!
– If violations are found, the borrower may be eligible for complete relief of the predatory loan or a very favorable Loan Modification.
– Complete relief of the predatory mortgage is called as a loan rescission.
– Meaning the lender takes back the “predatory Loan” and awards or Credits back to the borrower all the interest made on the payments thus far, Loan Origination Fees, all applicable Lender fees. Penalties and attorney fees will also have to pay, this is not a joke but nobody in the banking industry wants you to find out about this huge problem.
Major VIOLATIONS DO happen!
Everybody Wins!
– The best part about it is now you can mediate the loan with your lender and fight for an affordable Loan Modification based on the legal violations on the loan.
– The homeowner has their loan fixed and may have their principle balance reduced.
– The lender does not lose their shirt because they have mediated the matter without employing their full legal staff on the file wasting operating expenses.
Remember this it will cost your lender around $70,000 dollars on average just to defend their position and take you to foreclosure not to mention and penalties for violations by not properly disclosing the loan. The laws of disclosure are very clear and must be followed by every loan ever written.
Benefits of Forensic Modification If violations are found that will save your home!
– Faster results than standard Loan Modification
– Most cases resolve in 90 days max
– Better leverage for negotiations
– Power shift to clients benefits
– Legal department/not loss mitigation department
– Client could be awarded damages
– Client could rescind the loan (walk away)
– Nobody is really doing them yet!
– Short cut!
If you have a Mortgage that you received between 2000 and 2005 you stand a good chance of savinig your home. If you know of someome who is in trouble pass this article on to them or send them to http://usahomeloanmods.com/robbins/ So they can get a copy if a Free Report Called “Saving My Home” or RT-@timrobbinssr

The Secrets For Seniors! How to Become Self Employed and Earn Money on the Internet – Senior Expert

The Secrets For Seniors! How to Become Self Employed and Earn Money on the Internet – Senior Expert

The Secrets For Seniors! How to Become Self Employed and Earn Money on the Internet – Senior Expert
By Tim G Robbins

These are not real anyway and they are looking for good opportunities that fit into their retirement lifestyle.

So what are the best ways for seniors to increase or supplement their incomes and still enjoy their retirement years and find the correct program they are attracted to?

First what they need to do is look at what they did when they were in the work force and what will be attractive to their peers. Many of the network marketing companies that are out there have products and service that are what seniors need and want and they will purchase from someone that they can relate to and someone the trust. A senior who steps into internet network marketing with patients and strong work ethics, couple with integrity and compassion will excel to income levels they only dreamed of when they worked full time.

Secret inside facts revealed to seniors they could offer people products that they themselves would need to use and by doing this they are actually paying it forward to people that think alike. Many seniors could use a little extra income and can offer other seniors the same chance to increase their incomes as well. Since the seniors on the internet are the fastest growing segment of the internet and growing at the highest rate since the internet began.

So how do you find such a marketing opportunity where people not only need it but will really be glad that they were able to learn about from a senior like themselves will truly be a major benefit to every senior who get into marketing online. Want to know more on how seniors can earn a great living and be able to pass on their accomplishments in business to their heirs and make a difference in the lives of people across America and in fact the world then get in the no and see what you can do for you and your pears and friends.

Tell your friends that are options available to them even in their golden years and its not being a greeter in a department store for pennies.

Leading Internet and Business man Tim Robbins offers training and experience helping seniors enter the self employed arena while working from home with freedom to enjoy their retirement with legal and ethical network marketing programs each and every person needs to protect their lives and protect their families for pennies a day to find out more visit Tim Robbins website go to http://www.timrobbinstv.com/next You be glad you have the opportunity to work with an expert and a company that has been around for over 35 years. Safe and Secure

Article Source: http://EzineArticles.com/?expert=Tim_G_Robbins
http://EzineArticles.com/?The-Secrets-For-Seniors!-How-to-Become-Self-Employed-and-Earn-Money-on-the-Internet—Senior-Expert&id=3379140

You May Wonder what Can happen when you Identity is Stolen

Think it can't happen to you Think Again

You might be wondering what is the worst thing that can happen to you if your identity is stolen. Sadly,

1 in 10 affected by identity theft wind up with a criminal rap sheet, or even incarcerated, having not ever committed a crime!

Could you imagine one moment you’re writing a check for your monthly bills and the next your buried in court documents and legal paperwork trying to save yourself from permanent credit damage. Meanwhile spending thousands of dollars to help fix this problem that could have been easily prevented.

 Stop it from happening to you don’t wait another moment it may have already happened to you and you don’t even know it. http://timrobbinstv.com/protect

 

People Struggling with Debt is at an all time high

Save Yourself from the Credit Monster

Debt Settlement and how it can help

If you are a person who is struggling to keep afloat and your bills are piling up your credit card companies have increased you interest rates you may never pay off you debt.

Think about this alarming numbers if you have $10,000 in Credit Card Debt alone! 

Assume your interest rate is 24%

Let’s assume you are making the minmum payment just keep up on $10,000 balance the payment is $70.00 per month

If you pay just the minimum payment it will take you 2,792 months to pay it off!

Which is in case you don’t know 232 Years Which means you will never be out of debt with just $10,000 credit card debt.  Over the life of the Credit card you will pay $197,306 back to them

But the fact is You will NOT live that Long

So there are four things you can

• Increase you minimum payment and reduce your years to pay it off

• You can go to Credit Counseling company and your payment will be $257.00 per month and you will pay off the card in 60 Months AND PAY BACK $15,443.00

• You can go to a Debt Consolidation Company and your Payment would be $217.00 per month and it will take you also 60 months to pay it off. You will have paid back $13,045.00

• Or you can have Debt Settlement your payment would be $229.00 per month and you will payoff the payment in 24 months and only have paid a total amount of money you will pay back is $5,500

Which Plan do you think wil help you the most to find out where you are go to http://destroymydebt.net/robbins

Help Yourself first because the Credit Card Companies won’t help you the want you to be in debt to them for the rest of your life. Ask Yourself this!

Which would you rather have

$5,500.00

or

$197,306

Tim Robbins helping people across America for over 30 Years to see and talk with me go to

http://www.bestmortgageplans.com  or Ring Me NOW Here

Why Seniors and Their Families Should Take the Reverse Mortgage Test to Find Out If it Will Work

It has become an epidemic in the world of senior citizens who are sitting in their home, worrying about how they will survive the many financial issues that may and will surface in their retirement years. Most seniors and their families just go through doing without the simple things like medicines, personal care items and other things that make their lives more comfortable. This does not have to happen since the majority of seniors whom own their homes are sitting on their largest portion of the estate right under their feet.

Here’s the problem; most of them do not even realize that they have a wealth of financial resources just sitting collecting dust in their home that they spent a lifetime of paying for and budgeting to make sure they paid off their home. It would able to take care of them in the Golden Years. When they purchase their home years ago when they were going to raise a family, no one told them about the real purpose of buying home really was going to be to them. The belief that the home was a place to raise their children and provide warmth and comfort was the only thing they could even think about at that time.

In the era of the seniors productive earning years they provided for their families, worked hard to keep a roof over their heads provide and care for their children, save and budget so they would be good parents. Now fast forward to today; they are now doing without and in many cases they are doing without too leave their kids something of value. The main issue is that they are still denying themselves of the things that they really need to live a life at the time in their lives that they should be enjoying their life. No one knows how the rumor got started, that parents are supposed to die and leave everything that they worked a lifetime to build to their children. As in many cases the children actually believe that they are entitle to inherit the fruits of their parent labors

Where has all this come from, can it be that the children really believe they should get anything, since they were raised, put through school and got three meals and day and in many cases even more! In today’s environment the children of seniors should only be concerned that their parents are able to provide for themselves and not be a burden on their children who in these trouble times are struggling financially themselves. With unemployment at and all time high and projected to go even higher over the next twelve months or so, many children across the country are having to move back home. In these cases it will place another hardship on their parents meaning additional expenses within the home.

Children of seniors should stop and think about the facts that their parents worked all of their lives, they did everything right from saving, pay off their mortgage and trying to provide for their retirement years. They listen to all of the financial gurus and the government who made provisions to save tax free and grow tax deferred and then from all of the greed throughout the world they got screwed in the end. Now at this unprecedented time in history with most pension, IRA’s and investment portfolios in ruin or at an all time low they need to look to other source of money to use to provide for their future. The future is now and in this ever changing environment and government changes they should seriosly think about the Reverse Mortgage before the Government Changes or does away with the most stable and most satisfying to seniors ever created.

The one place that they did make the safest and securest investment which did not start out that way was in their homes. It is stated that there is an estimate Two Trillon dollars in equity sitting around that many seniors could be using to provide for themselves and living a life that is safe and secure and not sitting up all night worrying.

The Reverse Mortgage is not for every person who is over the age of 62 but in addition to providing a safe and secure venue to access money which is tied up in homes, it will also provide a great financial planning tool for the estate of many seniors when it comes time for their children when the time comes to take care of the final estate issues. So if you are wondering about if and how a Reverse Mortgage can help you and your parents get relief take the test and see if it will work for you.

Tim Robbins,Sr I am a senior Reverse Mortgage Specialist. My main goal is to provide the best education resources available and to always place the seniors interest first and foremost. My website is designed to give you all the available information which you can review either in print or video by visiting http://seniorconsumerreport.com and take the Reverse Mortgage Test with no obligation just education which is the first step that every senior must take. And for all your senior resources you may need for a good life. Also contact me Toll free at 800-610-3599 for a Free Report All About Reverse Mortgages and to receive a Free DVD in the mail Click Here
Article Source: http://EzineArticles.com/?expert=Tim_G_Robbins

Credit, ATM and Debit Cards: What to do if They’re Lost or Stolen

Many people find it easy and convenient to use credit cards and ATM or debit cards. The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer procedures for you to use if your cards are lost or stolen.

Limiting Your Financial Loss
Report the loss or theft of your credit cards and your ATM or debit cards to the card issuers as quickly as possible. Many companies have toll-free numbers and 24-hour service to deal with such emergencies. It’s a good idea to follow up your phone calls with a letter. Include your account number, when you noticed your card was missing, and the date you first reported the loss.

You also may want to check your homeowner’s insurance policy to see if it covers your liability for card thefts. If not, some insurance companies will allow you to change your policy to include this protection.

Credit Card Loss or Fraudulent Charges (FCBA). Your maximum liability under federal law for unauthorized use of your credit card is $50. If you report the loss before your credit cards are used, the FCBA says the card issuer cannot hold you responsible for any unauthorized charges. If a thief uses your cards before you report them missing, the most you will owe for unauthorized charges is $50 per card. Also, if the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use.

After the loss, review your billing statements carefully. If they show any unauthorized charges, it’s best to send a letter to the card issuer describing each questionable charge. Again, tell the card issuer the date your card was lost or stolen, or when you first noticed unauthorized charges, and when you first reported the problem to them. Be sure to send the letter to the address provided for billing errors. Do not send it with a payment or to the address where you send your payments unless you are directed to do so.

ATM or Debit Card Loss or Fraudulent Transfers (EFTA). Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss. If you report an ATM or debit card missing before it’s used without your permission, the EFTA says the card issuer cannot hold you responsible for any unauthorized transfers. If unauthorized use occurs before you report it, your liability under federal law depends on how quickly you report the loss.

For example, if you report the loss within two business days after you realize your card is missing, you will not be responsible for more than $50 for unauthorized use. However, if you don’t report the loss within two business days after you discover the loss, you could lose up to $500 because of an unauthorized transfer. You also risk unlimited loss if you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you. That means you could lose all the money in your bank account and the unused portion of your line of credit established for overdrafts. However, for unauthorized transfers involving only your debit card number (not the loss of the card), you are liable only for transfers that occur after 60 days following the mailing of your bank statement containing the unauthorized use and before you report the loss.

If unauthorized transfers show up on your bank statement, report them to the card issuer as quickly as possible. Once you’ve reported the loss of your ATM or debit card, you cannot be held liable for additional unauthorized transfers that occur after that time.

Protecting Your Cards
The best protections against card fraud are to know where your cards are at all times and to keep them secure. For protection of ATM and debit cards that involve a Personal Identification Number (PIN), keep your PIN a secret. Don’t use your address, birthdate, phone or Social Security number as the PIN and do memorize the number.

The following suggestions may help you protect your credit card and your ATM or debit card accounts.

For Credit and ATM or Debit Cards:
Be cautious about disclosing your account number over the phone unless you know you’re dealing with a reputable company.
Never put your account number on the outside of an envelope or on a postcard.
Draw a line through blank spaces on charge or debit slips above the total so the amount cannot be changed.
Don’t sign a blank charge or debit slip.
Tear up carbons and save your receipts to check against your monthly statements.
Cut up old cards – cutting through the account number – before disposing of them.
Open monthly statements promptly and compare them with your receipts. Report mistakes or discrepancies as soon as possible to the special address listed on your statement for inquiries. Under the FCBA (credit cards) and the EFTA (ATM or debit cards), the card issuer must investigate errors reported to them within 60 days of the date your statement was mailed to you.
Keep a record – in a safe place separate from your cards – of your account numbers, expiration dates, and the telephone numbers of each card issuer so you can report a loss quickly.
Carry only those cards that you anticipate you’ll need.
For ATM or debit cards:
Don’t carry your PIN in your wallet or purse or write it on your ATM or debit card.
Never write your PIN on the outside of a deposit slip, an envelope, or other papers that could be easily lost or seen.
Carefully check ATM or debit card transactions before you enter the PIN or before you sign the receipt; the funds for this item will be fairly quickly transferred out of your checking or other deposit account.
Periodically check your account activity. This is particularly important if you bank online. Compare the current balance and recent withdrawals or transfers to those you’ve recorded, including your current ATM and debit card withdrawals and purchases and your recent checks. If you notice transactions you didn’t make, or if your balance has dropped suddenly without activity by you, immediately report the problem to your card issuer. Someone may have co-opted your account information to commit fraud.
Buying a Registration Service
For an annual fee, companies will notify the issuers of your credit card and your ATM or debit card accounts if your card is lost or stolen. This service allows you to make only one phone call to report all card losses rather than calling individual issuers. Most services also will request replacement cards on your behalf.

Purchasing a card registration service may be convenient, but it’s not required. The FCBA and the EFTA give you the right to contact your card issuers directly in the event of a loss or suspected unauthorized use.

If you decide to buy a registration service, compare offers. Carefully read the contract to determine the company’s obligations and your liability. For example, will the company reimburse you if it fails to notify card issuers promptly once you’ve called in the loss to the service? If not, you could be liable for unauthorized charges or transfers.

For More Information
The following federal agencies are responsible for enforcing federal laws that govern credit card and ATM or debit card transactions. Questions concerning a particular card issuer should be directed to the enforcement agency responsible for that issuer.

Board of Governors of the Federal Reserve System
Regulates state-chartered banks that are members of the Federal Reserve System, bank holding companies, and branches of foreign banks:
Division of Consumer and Community Affairs, Stop 801
20th and C Streets, NW
Washington, DC 20551
202-452-3693
http://www.federalreserve.gov

Federal Deposit Insurance Corporation
Regulates state-chartered banks that are not members of the Federal Reserve System:
Division of Compliance and Consumer Affairs
550 17th Street, NW
Washington, DC 20429
877-ASK-FDIC (275-3342) toll-free
http://www.fdic.gov

National Credit Union Administration
Regulates federally chartered credit unions:
Office of Public and Congressional Affairs
1775 Duke Street
Alexandria, VA 22314-3428
703-518-6330
http://www.ncua.gov

Office of the Comptroller of the Currency
Regulates banks with “national” in the name or “N.A.” after the name:
Office of the Ombudsman
Customer Assistance Group
1301 McKinney Street, Suite 3710
Houston, TX 77010
800-613-6743 toll-free
http://www.occ.treas.gov

Office of Thrift Supervision
Regulates federal savings and loan associations and federal savings banks:
Consumer Programs
1700 G Street, NW
Washington, DC 20552
800-842-6929 toll-free
http://www.ots.treas.gov

Federal Trade Commission
Regulates other credit card and debit card issuers:
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
877-FTC-HELP (382-4357) toll-free
http://www.ftc.gov

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

June 2002 PROTECT YOUR BEST ASSET YOU DON’T WAIT ANOTHER MINUTE IT MAYBE TO LATE

Ads for Business Opportunities: How To Detect Deception

It’s not hard to see why ads for business opportunities that promote the benefits of being your own boss and making money quickly are appealing. But the Federal Trade Commission (FTC), the government agency that monitors advertising for deception, says that some ads for business opportunities feature empty promises and false claims that potential entrepreneurs could never realize.

Promoters of fraudulent business opportunities run ads where their targets are likely to see them: in daily and weekly newspapers, in magazines, and on the Internet. The FTC is asking for your help in finding these ads first. By doing so, you can protect your company and your readers from being left holding the bag.

As part of an advertising sales or production staff, you customarily review ad claims for taste and appropriateness. It’s just good sense to take that extra moment to review a business opportunity claim for telltale signs of fraud, too.

It can protect your company from being known as one that promotes rip-offs. Your readers may believe an offer is legitimate because it’s in your publication or on your website. When the claim turns out to be false, they may well blame you for running the ad.

It can keep you from getting cheated by those who are making the false claims. There’s a good chance they won’t pay their bills, and will have left town by the time you try to collect.

It can keep you from harming your readers and your legitimate advertisers.

Spotting False Claims
How can you spot claims for a fraudulent business opportunity? One clue may be the type of opportunity being advertised. Fraud has most often been associated with promotions for vending machine, display rack, pay phone, medical billing, and some Internet-related businesses.

Here are several other claims that have made it into the pages of legitimate papers, magazines and websites recently:

“Work Part-Time from Home.” Most scammers promise an ideal work situation — the ability to set your own hours, be your own boss, or work from home. In fact, this rosy scenario is far from reality for most small business owners. “Be Your Own Boss” “Own a Dealership Today”

“Earn $2,000 a month.” If an ad claims buyers can make a certain amount of money, the law says the promoter must give the number and percentage of previous purchasers who earned the income. If an earnings claim is there, but the additional information isn’t, ask for more information: the business opportunity seller may be violating the law. “$50K/yr” “Vending route nets $1,700/wk”

“No risk! Guaranteed!” Ads that promise a big payout with little or no risk are usually a telltale sign of a fraud. Legitimate business ventures involve risks — usually in proportion to the promised return. “Huge Income” “100% return on your investment!”

“Quick and Easy!” Successful start-up businesses, including franchises, require a lot of work to get off the ground, let alone manage. Only a few are profitable from the start. If ads promise vending locations, they may not be current or high-traffic; the merchandise also may be out-of-date or of poor quality. “Start Earning Today” “Prime locations available now”

These are examples of possibly deceptive claims. If you see them, highlight them for the appropriate person in your company. At the same time, know that many fraudulent business opportunity promoters use more subtle language when making promises, guarantees, and claims that they can’t possibly keep.

By taking a few moments to review the claims made in business opportunity ads, you can protect the reputation of your company — and the consumers in your community.

For More Information
For information on red flag claims for weight loss products, visit ftc.gov/redflag. If you see an ad you think is deceptive, you can report it to the FTC using the complaint form at ftc.gov.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Your Opportunity to Comment
The National Small Business Ombudsman and 10 Regional Fairness Boards collect comments from small businesses about federal compliance and enforcement activities. Each year, the Ombudsman evaluates the conduct of these activities and rates each agency’s responsiveness to small businesses. Small businesses can comment to the Ombudsman without fear of reprisal. To comment, call toll-free 1-888-REGFAIR (1-888-734-3247) or go to http://www.sba.gov/ombudsman.

ORIGINAL PRINT DATE December 2006 For the opportunity to see a legal and ligitimate business opportunity CLICK HERE

Helping America by Paying-it-Forward

Happy Thanksgiving

As I sit giving thanks for the things and talents that I have been given, I am reminded of the Saying that has hit me the most in my life. There is no other saying that I have ever heard that has had more impact on my life, and it is not a cliché.

 The saying that has had such an impact on my life is Pay-It-Forward, so I have made this my passion in life to always work to pay-it-forward to every person I come in contact in my life. You are the next person I want to Pay-It-Forward too.  

That’s what brings to me to the reason of my post; it’s about helping people save themselves from being a target. The fact is that some               30 million people in 2010 will be hit by a major issue and the worst part is that most likely won’t know about it for six months after it happens.

 The stagger facts is 7 out of every 10 people in the US and Canada will in some way be hit with the largest single crime in history and it does not have to happen. The Crime is Identity Theft!

 Yes it is the number one single crime in America and Canada and it is doubling every year and one of the driving forces today is the economy.  

Think about this fact from the “Federal Trade Commission”   20,000 Children and Teens alone will have their identity stolen before they even have a chance to use it. “In 2010 alone”

 Like I said the worst part is that if they knew if or when it is going to happen they would want to do something to stop it before it’s too late. But it’s not too late for 80% of the population who is sitting out there as a big bold target just waiting to be hit. It will come that you can be sure of it just a matter of time.

 If you are in business or not I’m sure you know how important it is to give something that will have a major lasting impact on their lives. What better way to say I value you as a friend, then to educate them on the high probability that they will be hit sometime in their life! But if they take steps now they can avoid it from happening to them.

Not only can they protect themselves they can also insure themselves that if it happens they are fully covered and will have everything restore.

Let me ask you; do you know all of things that can happen to a person when their identity is stolen? Well there are over 101 real issues that can happen and it does not have to be this way. This is the really sad part; most people protect their home with insurance, they protect their lives, cars, businesses and boats not to mention they protect their health. But they don’t protect the biggest part of their lives; which is protecting them from losing the ability to being able to purchase any of the insurances listed not to mention receive credit or bank accounts just to name a few.

 The top five things that can be attack are:

1.    Drivers License

2.    Medical Records

3.    Criminal Record

4.    Credit and Financial

5.    Employment/ Social Security

 This is the scariest thing of all it can happen and they don’t even know about it until it’s too late, in fact 25% of all people who are victims of this crime won’t know it until 6 months after it has happened. It does not have to happen at all!

 If you would like to help me help people and Pay-It-Forward and get paid very well to help me then just go www.timrobbinstv.com/PayItForward  and give a gift of personal security and peace of mind to everyone you know or will ever meet they will Thank you for it.  

If you would like to join me in the crusade to help people across America and Canada get the protection and security they so desperately need then go to http://www.timrobbinstv.com/PayitForward today and let’s help people today.

Sincerely Pay-It-Forward

Tim Robbins

Concerned about People

What’s with Seniors Why they are Afraid of a Reverse Mortgage

This is the 24 thousand dollar question? The only mortgage product that carries a 97% satisfaction rate and seniors are still not taking advantage of a program that can change their retirement years for ever.
Q: So Why is it that they still fear it?
A: Well the number one reason that I have found is they still lack the understanding of the safety of the mortgage. They listen to everyone in the media who says it’s bad!
Q: So why does the media say it is a bad program?
A: The media always plays their stories to the bad side of everything this is a Fact. Listen or Read a Newspaper or article how many times you really get good news on the front page or as a lead story. Bad News Sells this is the facts. The other issue is in most cases the person who is doing the story is not a senior who is in trouble financially or has seen their life saving disappear.
Q: So what makes this Mortgage have a 97% satisfaction Rate over other programs?
A: Well let’s look at the program and what it does for seniors that NO other mortgage or public program can do.
1. It allows a senior to use their number one asset and convert it into cash or credit line without having to qualify.
2. Once they have a Reverse Mortgage they never have to make a mortgage payment ever again in life.
3. They can remain in their home for the rest of their life; No one can ever take the home for failure to make their mortgage payment.
4. Having money to pay for necessities such as medicines, healthcare, even trips or just going to the movies if they wish. In other words More Freedom
5. The only requirement that they have to make is what they must do in any mortgage, Pay Taxes, Pay Insurance, live in their home and keep the up keep going.
Q: So how can a senior receive the money?
A: This is the best part the senior can choose to receive the money in a multitude of ways that they can change over time.
1. Such as first they can take all of the money at once.
2. They choose to have a monthly income for life and this does mean life until the last person dies or moves out of the home.
3. They can setup a credit line that keeps growing and never adds to the loan balance until the money is actually used.
4. They can choose any one of the different ways to control the money it’s up to the senior no one can tell them how or what to do with the money.
Q: What does it take to qualify for a Reverse Mortgage?
A: This is the easiest part for any senior! If a senior or couple they must be 62 years or older. They must hold title to the home it does not have to be free and clear but it should have at least 50% equity.
Q: Can the Bank take my Home?
A: No Plain and Simple the bank does not take title to your home you remain the owner at all times.
Q: What about my children or heirs?
A: This is a question that many seniors ask and the easy way to answer this is simple If you needed money and not just five dollars to pay for medical, taxes, or other large expenses would your heirs or children send or be able to send you the money just because you asked? Here is the answer to the 64 Thousand dollar question they are in most cases suffering the same financial issues as you and in some cases even more the economy has not chosen who to hurt it affects everyone in different ways.
Here my question to you the reader!
Q: Where is it written and who said that it is the responsibility of a parent to leave anything to their children or heirs? If you have this answer please post it so everyone can see that this is not nothing but a falsies. The only obligation that seniors have is to you; and to give yourself the life you worked their entire life for and not put a burden on anyone else financially. Now that does not mean they cannot ask or receive help from family for other issues if they take care of their financial lives and keep their heirs from incurring debt when you are gone. The Reverse Mortgage is the only NON_RECOURSE LOAN AVAILABLE
For more information on how a Reverse Mortgage can help go to the Reverse Mortgage GUIDE