You don’t have time to waste when foreclosure is looming on the horizon. Although home loan modification does tend to slow down the process, there won’t be too many options left if you wait too long. However, not all banks and lending institutions have the experience or the manpower to handle loan modifications, and even if you hire a capable lawyer, the entire process can take several months to complete. But the good news is that there are a number of things you can do once the process starts to save time and get it over as quickly as possible.
The first thing to do is to document everything. It isn’t exactly unknown for lenders to misplace your loan modification process. Delays can be prevented if you record all your efforts and keep it on file. Make sure you keep track of all the calls that you receive from or make to the lender and lawyer. Keep all the receipts of your transactions and have several copies so in case the originals are lost or misplaced. Prepare a financial statement for yourself. Every mortgage modification has its own financial worksheet, which is the main basis for your qualification. Lending institutions will have their own, but preparing one for yourself can be very useful too. This way you will have all relevant information at your fingertips.
Try to include as many details as possible. It is better to provide too much information so that you don’t have to waste time in case the lender asks for further details. A typical loan modification worksheet usually includes the following information: the borrower’s contact information, the estimated cost and other information about the borrower’s property, the current income, and additional income, if any, of the borrower, the estimated value of all the assets owned by the borrower, current liabilities like loans, medical expenses, etc.
Try to be as open and honest as possible and be sure to provide verifiable information regarding your financial circumstances. This will help in improving your chances for qualifying for loan modification.
Then you'll want to register for The Relationship Suite's F.R.E.E. Monthly Relationship Teleseries! Join me, Rachel Moheban once per month and you will walk away with valuable tools you and your partner have been waiting for!
This is your official invitation on a journey of creating the relationship of your dreams - whether you are single or currently in a relationship I am here to support you in feeling fully at peace and experiencing a harmonious partnership.
Register below so you can reserve your spot and have access to the next call in the series:
"Breakthroughs on Communication in your Relationship."
I will share with you the keys to help you move from feeling conflicted, hopeless and unsure of how to talk about difficult or uncomfortable issues with your partner to feeling clear, strong and armed with effective language so together you can make amazing life changes, experience more connection and have true intimacy with your partner. After all, this is what you deserve!
Register now for this f.r.e.e. teleseries and join me for the next one on:
Tuesday, January 19th at 8:00pm Eastern Standard time
You will be sent the audio recording within 24 hours as long as you are registered for the class, so you will be sure to receive this valuable information even if you cannot make the live call!
So many women struggle with weight, overeating and food-are you one of them?
If you do, there are some things you need to know that can make weight loss easier, more lasting, and less of an uphill battle-and they have nothing to do with calories, carbs, or fat grams.
For instance, did you know that emotional eating is one of the primary causes of overeating, weight gain, and weight regain? Many women identify themselves as emotional eaters but feel stuck when it comes to developing a plan to address emotional eating effectively. Still others are struggling with severe emotional eating and don't even know it.
Join Dr. Melissa McCreery, psychologist, and emotional eating expert for this free teleseminar where she will share with you:
• What you need to know about overeating that no diet will address
• Why most dieters fail
• The most powerful tool you can use to create permanent weight loss and changes in your relationship with food
... and much more.
The teleseminar takes place Tuesday February 9, 2010 at 3pm Pacific/6pm Eastern. If you can't make the call, don't worry, the call will be recorded and all who register will receive access to the recording.
Sign up now to save your seat. You'll also receive ongoing helpful tips and articles: Too Much On Her Plate
ArticleDirectoryUSA.com - is a free article directory and content search engine.
Monday, May 10, 2010**
11:00 am Pacific | 1:00 pm Central | 2:00 pm Eastern
**other programs/classes held beginning March 15
Presented by Lora Sasiela
Register at: http://www.becomingconsiderablyhuge.com/
Do you ever wonder why you are repeating financial patterns that keep you feeling trapped?
Is it a struggle to make decisions regarding money?
Are you ready to kiss your financial heartache goodbye...forever?
On this transformative call, you will learn how to:
* uncover the unconscious beliefs, behaviors, and attitudes that are holding
you back from being financially free
* simple tips to develop and nurture the relationship with money that you dream about and deserve
* identify the limiting money beliefs you\'ve inherited and stop them from holding you back from living financially free
* use an easy but powerful tool to manage money anxiety that you can use anywhere, anytime and free yourself from worry, doubt, and fear regarding finances.
Register at: http://www.becomingconsiderablyhuge.com/
About Lora Sasiela:
Financial therapist and money coach Lora Sasiela founded Financially Smitten to educate and inspire women to create a relationship with money that supports them in living the life of their dreams. Her transformative private and group coaching programs, workshops, and teleseminars are empowering women worldwide to kiss financial heartache goodbye.
Click below to learn more and claim your spot for this breakthrough teleclass series:
We all cannot wait to share our unique gifts with you and support you on taking your next best step!
We are hosting The Ultimate Technology Giveaway beginning March 18, 2010 and ending June 10, 2010. You can win an IPod, Desktop PC, Flat Panel HDTV, $300-$1000 Cash, and more!
Learn More here: http://www.mytechteam.net/win-big-in-the-ultimate-technology-giveaway/
This Webinar is based on our new book, Change the Culture, Change the Game: The Breakthrough Strategy for Energizing your Organization and Creating Accountability for Results which will be released on January 4, 2011. During the Webinar, the author will show how leadership teams can define the shifts in the way people need to think and act to produce key organizational results, create alignment at all levels of the organization around those shifts, and then implement the key culture management tools essential to accelerating the shift to a Culture of Accountability.TM In addition, the author will introduce the following concepts and models:
Get out of the office for a while and come see the upcoming Microsoft Office 2010 Suite before it comes out! We'll have food, giveaways, previews and more!
This would be a great idea for HR departments, IT departments, business owners and administrators to come have some fun and be able to see what changes are in store for the software we all know and use.
This will also be a great chance to network with other businesses!
Hope to see you there!
Thursday, April 29th from 11am-2pm
6154 Macon Road
Memphis, TN, 38134
Questions or RSVP: (901)261-1132
911 for the Sitterless!!
911 for the Sitterless is an audio course that will help you get work done when your help has disappeared. It covers age-appropriate distractions for the kids and automation tools to get you through a work-from-home emergency.
Free Download Dates: April 28- May 5, 2010
This webinar series outlines the process and key tools that you can use to publish your written creations on your own. The first webinar is a FREE 45-minute webinar that outlines what you need to prepare for publishing - ideas, writing, and editing. This is set for Thursday, September 9, 2010 at 7 p.m.
You don't want to miss it!
In the remaining four webinars, Lauri Elliott, a journalist, strategic consultant, and publisher will walk you through the process she uses to bring products to market in each of the platforms - blogs, ebooks, audiobooks, and print books. And doing it virtually for free. Each of the follow-up, 90-minute webinars will discuss:
For example, in the DIY Publishing: Blogs webinar you will learn how to write a book by developing a blog and build your audience at the same time, so you are ahead when you get ready to publish the book. In DIY Blogs, we will share basic tools, e.g., SocialOomph, for streamlining management of your blog and getting the maximum performance. Each DIY Publishing webinar segment is $35. If you attend the free webinar, you get a 25% discount on the cost of each remaining seminar.
You will receive follow-up instructions and webinar details a few weeks before the event. Join us and enjoy!
You must REGISTER (FEW SEATS LEFT) Click here:
Introducing - INCREDIBLE BUSINESS - the must-have book of the year, Virtual book launch, Oct. 4th thru Oct 29th.
Your business can be more than good, it can be incredible!!
Coming to a Computer or Telephone near you starting October 4, 2010!
Join twenty fresh, new authors and incredible business owners who are ready to reveal their secrets to you. They are experts in their fields.
IT IS FREE TO ATTEND! Please visit, http://www.budurl.com/IBBLSheri for times and how to register.
Legal Aspects of Starting, Owning, Operating, Buying, Exiting a Business
Lack of Knowledge is not an alibi!
Legal: Better to get advice now while you are in control, rather then later when it can cost you your business, and your personal assets. Legal advisers will share their advice on at minimum:
Legally protecting yourself and your business
DBA, LLC, Partnerships, and Corporation: Which is best for you in your personal situation and business endeavors, which provides the greatest protection of your assets? The do\'s and don\'ts of partnering with someone or another company.
Branding, Trademarks, Service Marks, Copyrights, Trade Secrets and Patents
Employees - What you can and cannot do. What is the difference, 1099 contracting or employee?
The \"name\" of your business and domain names - Why they need to be the same. Why it creates asset value.
Contracts - when do you need them and with whom. Includes leasing, land contracts, and other agreements you will either be entering into or exiting from. What to watch for in Franchise Disclosure Documents. Which ones are legal and which ones won\'t hold up in court.
Due Diligence - what is it and why you need to do it, and how to prepare yourself for it. Things to check for while you\'re thinking about buying a business.
Legal documents and other legal things you need to be aware of when you start, own, operate, buy and exit a business.
Exit Strategies - Now that you started one, how do you get out of the business?
Buy/Sell Agreements - Why they are critical when you are in a partnership and what are they anyway.
How to avoid your business from getting sued and other legal liabilities.
Register at IKEA.com, U.S. Canton, MI under events.October 21st, 6:30-8:30 p.m.
This event is free to the public. Especially suited to those who are thinking of starting, buying, growing, exiting, owning, operating a business.
Contact firstname.lastname@example.org for additional details if needed.
Join us for a FREE Coaching Call on Thursday, June 30th at 7:00PM (ET) called Dazzle Your Clients and Attract More Business.
This 30 minute, no-nonsense coaching call is jammed pack full of information to help you attract more clients and grow your business. Make sure you have paper and pen handy to take notes!
See you on the call!