The foreclosure crisis has had a huge effect on individual homebuyers, financial institutions, the economy -- and bankruptcy courts. In response, some courts have initiated programs to give debtors and lenders an opportunity to work through their differences -- these programs serve the needs of both groups but don't necessarily lead to foreclosure on the debtor's home. This broadcast looks at these programs, how they work, and what affect they have had on debtors, creditors, and the bankruptcy courts that use them. Judges Arthur Votolato (Bankr. DRI) and Robert Drain (Bankr. SDNY) talk about the programs in their courts with Judge Elizabeth Stong (Bankr. EDNY), who will moderate the discussion. Bankruptcy practitioner Patricia Antonelli (Partridge Snow & Hahn, LLP) talks about working within the programs from the attorney's perspective. John Rao (National Consumer Law Center) and Victor Milione (Nixon Peabody, LLP) discuss the programs from the debtors' and creditors' perspectives. Debra Miller, Chapter 13 US Trustee (ND Ind.), talks about the role and the view of the Trustee's office. (April 2011)



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Are you tired of getting the run around from your mortgage company or your bank? We are uniting to make a positve change! Formore infomation, send your contact info to wellsfargoreallysucks@yahoo.com or call 404-419-6005 and leave a message at the end of the recording. We will contact you promptly to get updated information to you.



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DEBT CONSOLIDATION LOANS Bad Credit Debt Consolidation Bills and debts getting a little out of hand? Lower your monthly payments by consolidating them into one low payment. You can consolidate anything. Credit cards, car loans, personal loans, second mortgages anything and everything! We...



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It may sound suspicions at first, How can Bankruptcy help me re-establish my credit? but to understand how bankruptcy can reestablish your credit, we need to understand what credit is. Credit is your ability to borrow and repay money. Lenders determine whether or not to lend you money by examining how much debt you currently have, and your ability to pay these debts. If your credit is poor, its because you have been unable to pay your existing debt. Filing bankruptcy will eliminate all your past debt and prevent you from filing bankruptcy again for 8 years. When a creditor is making a determination to extend credit, they will see that you have filed bankruptcy and are no longer responsible for your past debt And that you CAN NOT file bankruptcy again for another 8 years. So as long as you have the income you are a lower risk applicant then a person who has bad credit and has not filed bankruptcy and can file any time they please. Many of our client will begin receiving credit card solicitations within one year after receiving their bankruptcy discharge. You will be able to purchase vehicles on financing after the bankruptcy discharge. You will not get the best interest rates, but if your credit is ruined presently, you are not going to get the best interest rates any ways. Finaly you can purchase a home and you should be able to obtain financing within 2 years after receiving your bankruptcy discharge. As long as you can provide a minimum down payment and show the ability ...



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Brian tells how he struggled with his mortgage but found the help he needed when he got free legal advice.



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'Down On Me' - Keenan Cahill featuring 50 Cent



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Loan Repair Today (www.loanrepairtoday.com) is you loan modification solution! Are you up at night, worrying about how you are going to keep your home? Do you owe more than your house is worth and need a new start? Are you unable to get a new loan because your credit is bad? Are you 30, 60 or even 90 days past due on your loan. Perhaps NOD or foreclosure proceedings have already started! In todays economic environment there are many who are in the same situation as yourself. Loan Modification, is a new and specialized program created to help consumers who are tied into poor mortgage interest rates and terms. It is also designed to help customers who are finding it hard to continue paying their full mortgage payment due to any type of difficulties in their life. Loan Modification is the program to fix your Loan. If you are currently paying a mortgage you should consider a free consultation with one of our qualified loan modification representative by submitting your request using the form on this page. Using this form will expedite your request and also it will be Free to get your case reviewed.



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www.notapennydown.com Mortgage Renewal Secrets in vancouver with vancouver mortgage broker mark fidggett. Welcome back Mark Fidgett here for www.notapennydown.com Just got off the phone with a VERY distressed home owner. Imagine losing your job, just as your mortgage is about to come up for renewal. Talk about bad timing! I'm going to share with you exactly what I told my client. I've got a secret to tell you. You may be surprised to learn that MOST lenders DON'T, I repeat Don't, pull your credit or check employment on renewal. So what should you do? Most importantly, DON'T sign the renewal document until you've at least spoken with me. You're probably curious, why wouldn't my bank offer me their best rate on renewal? After all, you've been a loyal client for years, you do ALL your banking with them... The fact is, they don't have to! That's right, they don't have to. WHY? BECAUSE 85% of you, that's right 85% of you simply sign your mortgage renewal document and send it back in the mail. DON'T DO IT! Even if your credits down or you've lost your job, call me. I'll give you a few secrets that will help you get the best deal without a hassle Remember, there so much more to a mortgage than just great rates For the Right Advice at the Right Time 604-273-2002 or on the web at www.notapennydown.com As usual, make it a great day and we'll talk to you soon. Mark Fidgett, Your Vancouver Mortgage Broker For Life www.notapennydown.com 604-273-2002 PS Who's the next person you know ...



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In order to calculate a debt-to-income ratio, calculate monthly income, monthly expenses and divide the expenses by the income. Calculate a debt-to-income ratio before looking at a home loan withtips from a financial consultant in this free video on credit cards and personal finance. Expert: Carrie Kukuda Contact: www.wearehdtv.com Bio: Carrie Kukuda has a business administration degree, and was branch manager of a community bank. Filmmaker: Christopher Rokosz



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creditleaper.com This Credit Repair 12-Video Course outlines how to increase your FICO score by 150 points in days. Delete bankruptcies, foreclosures, etc. Go to at http



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LeahCoss.ca So obviously, we've got our traditional buy and hold. And what buy and hold is is where you're buying an additional home, one that you do not live in and you're renting it out. So you're buying it, and you're holding it. Where you're making income is, hopefully, the rental payments covering the mortgage payments, which is then having that little bit of principle every month that gets packed away into equity that you then get to have. So someone else is essentially paying the mortgage for you. Now, how is this a good or a bad investment? Well, there's things you need to account for. One Does the rental payment cover not just the mortgage payment, but things like the heat and other things that come into equation, maintenance on the home as well as yearly property taxes. If it's not covering those things, this is costing you money as an investment standpoint. So that's something important to remember. The other thing is what about when it comes time to renew the mortgage on that home? What if rates are different? What if rates have gone up by two or three percent? Which, these days, it seems very likely. If that's the case, now your mortgage payments are higher and, again, will the rental payments cover that? Now, if you're OK with taking a loss and you're just simply in it for kind of like having that additional savings account where it's just putting the money away for you in the equity, then great. But if you're looking at this where you're actually wanting to ...



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trustedyoutobe.com --- Things You Should Know About Finance Finances is financial resources, their creation and movement, distribution and redistribution, Finances is economical relations, conditioned by intercalculations between the economical subjects, Finances is movement of cash sources, money circulation and usage". Credit represents a form of movement of the loan capital and expressaaaes economical relations between the creditor and borrower". Finance companies like working with a business that takes the time to put a loan package together in advance of asking for financing. In some ways that holds true for debt finance companies. Additionally the type of financing company will depend on your plans for the money. Car finance companies have revolutionized car finance procedure. You can even finance a used car. Partnering with an experienced finance company also means you can concentrate on what your company does best while letting a finance expert handle the intricacies of a finance program. The mortgage finance market of modern times seemed to have developed new mortgage finance products. If you are in the market to buy a home however, you cannot qualify for a traditional loan, I strongly recommend you contact a company that specializes in Owner Finance Homes. In the finance web templates the place for successful finance related stories increases the chances for investment. To learn more about finance, please visit: trustedyoutobe.com



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