Free Legal Help When Facing Foreclosure

Facing Foreclosure?

For those looking for free consultation and government run arbitration programs, yes there's not only a checklist for that but a whole webiste of assistants.

First the Home Foreclosure Consultation checklist.

1. Carefully read foreclosure compaint letter from lender

2.  Ascertain and document whether the lender complied with the new foreclosure procedural requirements

3. Raise the lender's noncompliance with the law as an affirmative defense in their answer to the foreclosure complaint

4. Loan Papers

4. Gather Pay Stubs/ Bank Statements. The last two months of pay stubs

5. Gather or Create a Personal Budget

6.  Gather Multi-Family Home Rental Income Documentation.

7. Gather Rental receipts given to their tenants each month.

8. Monthly Mortgage Statements. The last three months of statements

9. Gather Supporting Documents. Any paperwork the homeowner has received from their mortgage company.

10. Gather a list of reasons why your mortgage has been in arrears.
 
For more help go to...

Dealing with Mortgage Fraud?
Carefully examine the Foreclosure Complaint Letter. File an answer to the complaint.
Concisely deny any allegations in the complaint that are false. Establish any affirmative defenses which may be applicable as follows:
(a) the mortgage was entered into fraudulently or in violation of the Truth in Lending Act
(b) the lender failed to comply with applicable notice periods
(c) the lender failed to personally serve the foreclosure summons and complaint.

Above all act quickly.

Seeking Legal Advice For Mortgage Fraud and Foreclosure Issues?

We are taking break to discuss the reality of home mortgage fraud and foreclosure issues that are giving the home mortgage marketing a battering. The bottom line is the homeowner needs to protect himself from the mess this has made to the individual and the economy at large. So what to do?

This is to introduce a new free legal advice blog.
Free Legal Advice Now
This blog provides access to resources and checklists that help combat fraud and othe forms of illegal activities targeting the consumer.
Among the issues discussed and help given are...
Product Defect Endangerment, Class Action Lawsuits, Celebrex and Vioxx related illness lawsuits c

Facing Foreclosure?
There's a checklist for that.
If you are looking for legal representation for the follow: Mortgage Fraud and Resultant Foreclosure Issues

Need Help with Mortgage Fraud?
There's a checklist for that.

Finding Legal Help for Lemon Lawsuits

Checklist When Seeking Legal Representation for Lemon Lawsuits

1. Write a letter to the manufacturer
2. Gather all documents and make copies

3. Purchase contract

4. Vehicle warranty

5. Vehicle repair orders

6. Vehicle reports of inspections

7. Vehicletechnical service bulletins

8. If the manufacturer does not buy back the lemon vehicle hire an attorney

9. Consider a Manufacturer's arbitration program

10. If arbitration does not rule in your favor consider the following

11. Pursue your Lemon Law rights in court

12.  Hire an attorney

13. File a lawsuit

Finding Legal Advice For Lawsuits For Vioxx

Getting legal advice for problems and illnesses when using the prescription drug vioxx.

Checklist of actions when seeking vioxx legal help.

1. Retain a copy of the prescription record
1. Retain a receipt of purchase
1. Record dates and times of drug use.
2. Record detailed description of early symptoms
3. Get a medical examination
4. Retain a copy of the examination
5. Take pictures of any odd physical signs of illness
6. Look up similar symptoms upon drug use. (Perform Google Search)
7. Look up Legal Attorney specializing in Drug specific cases (Perform Local Google Search using zip code)
8. Contact Legal Attorney speciallizing in such cases
9. Present your case using copies of all evidence gathered

Finding Legal Consultation For Class Action Lawsuits

There are few recent class-action settlements that you just might be eligible for.

View the following list of recent class action lawsuits for 2009.
Products included: energy drinks, name-brand prescription drugs, and zombie microwaves.

Slenderize Drinks
Slenderizing energy drinks labels allegedly misleading information.

Moble Devise Early Termination Fees
Flat-rate early termination fee instead of a prorated fee for canceling your contract.

450 Prescription Drugs
The suit alleges price-fixing among major pharmaceutical companies

Bextra and Celebrex
The medication may cause illness

Name Brand Microwaves
The units may cause fire hazard, pet illness

Checklist of Initital Steps To Take

1. Take not of the brand name of your product
2. Locate purchase reciepts
3. Read contract details
4. Read disclaimer details and warnings
5. Read side effects details and warnings
6. Look up product reviews
7. Record any problems, illnesses, etc.
8. Get a full examination
9. Take pictures for visual evidents
10. Get a copy of all police, medical or fire department reports
11. Hire investigator for additional reports
12. Look up product class action lawsuites
13. Look up class action lawyers online (Google Search)
14. Request class action form
15. Complete form
16. Mail in form

Finding consultants for car accidents

How to avoid misrepresentation when your in an auto accident.
You feel the police report contains misimformation. The so-called witnesses take sides against you. How do you get justice? You must act in your behalf and act fast.

1. Call a certified investigative consultant on the spot.
2. Turn on your cellphone recorder.
3. Do not move any cars
4. Take pictures of the cars
5. Take of the skid marks
6. Take pictures of intersections and street signs adjacent to the accident scene.
7. Take pictures of any street cameras
8. Take pictures of street lights
9. Use a camera with time recorder
11. Ask police to make a record of your a statement of what you believe occured
12. Call friends and relatives who can arrive on the scene.
13. Make a note of all injuries
14. Take pictures of cuts bruises and abrasions
15  Go to the emergency room and get a full examination including ex-rays.
16. Get a copy of the admittance and examination records
17. keep a log of all expenses encurred and work time missed
18. Get immediate appraisal from insurance company.
19. Contact your attorney
20. Get sattelite records of the accident (pictures and video)

Home Refinancing At Lowest Rates

For several months now home loan interest rates have been cut in an effort to stave off inflation. US benchmark interest rates are at the lowest level since June 2004 after the Federal Reserve this morning cut its key interest rate from 1.5% to 1%.

Having cut the fed rate six times one would think the economy would make a come back but with the stock market crash only days ago the eonomic turnover for the better seems distant.

Still the constant cuts are good for those shopping low mortgage interest rates. At the lows just keep coming. San Francisco Federal Reserve President Janet Yellen said the Fed could lower rates below 1%, and that they could reach as low as zero amid a weak economy. If the Fed do cut rates to 1% this would be the lowest level since June 2004.

What effect did this low level cut have on the economy? Will this cut produce long term economic stability? Only time and a little hope will tell. Just remember it's been done before and not so long ago. And although it's a drastic move to fend off a serious downturn it is indeed a home buyers market and a home refinancing treasure trove.