February 16, 2011 – Home owners have several alternatives to safeguard their rights as Americans in efforts to retain their homes now and in the future with the real possibility of drastically reducing their loan balances down to what their homes are worth today, ‘permanently’! They need to explore these possibilities with Consumer Protection Assistance Coalition (CPAC) Non Profit Law Clinic through the web site www.CPACnonprofit.org a consumer friendly web site which is designed to perform a COMPLETELY FREE legal evaluation of Lender Fraud, Violations, Errors and Misrepresentations lenders do not want consumers to be aware of, just click in the red “start here” button to create a membership so CPAC can immediately email you a password to a “FREE HAMP Loan Modification Program, FREE Permanent Principal Mortgage Balance Reduction Prequalification engine and a automatic membership with the Non Profit Coalition that will be committed to accept the responsibility of working with you until a final permanent resolution is achieved, whether thru non aggressive passive approaches working with you to work with your lender up to the most aggressive approach a consumer can take today, suing your lender in either State or Federal Court.

Most every one knows or is aware of a specific Law that allows a Consumer the legal right to invalidate, cancel or “Rescind” specific mortgage home loans with in 72 hours if they find some thing wrong, different from what was quoted or just have a change of heart on their decision with no explanation needed. This Rescission Law is Federal Law Code 1635. What most people don’t know or are uninformed about is the fact that this FEDERALY MANDATED consumer Protection Law allows some of these specific mortgage home loans that are causing American families to lose their homes, some families with small children and elderly facing homelessness due to foreclosing lenders that refuse to make minor accommodations with government sponsored programs like; President Obama’s HAMP, are losing their homes only because these lenders CHOOSE not to assist them even after our Tax Payer funded hundreds of multibillions of dollars (with NO oversight on what happened with these funds) were given to these self admitted violators of multiple laws known as Mortgage Lenders. These loans that the lenders refuse to modify may not have any enforceability in the first place. Based on this Federal Law 1635 these types of very commonly illegal mortgage home loans can be cancelled, eliminated, rescinded actually reverted back to the day the actual loan contract was originally signed and every negative effect the homeowner experienced because of that loan, even every payment that was made by that client would need to be returned, negative credit reporting reversed and even up to and including the foreclosure itself would be reverted back to the client, this isn’t just for several days as what most people understand of this rescission law but for several years after the loan contract was signed when these illegalities are discovered.

Shamefully the same lending institution that created these unscrupulous loans using illegal tactics to induce unaware and uninformed Homeowners into signing, simply for an increased profit to the lenders bottom line, know of this law and have lobbied congress very diligently to eliminate professional support for these homeowners leaving them with few choices to find solace. There are lender funded un-informed and ill-equipped non profit social worker type of Non profit assistance that don’t seem to do any thing other than prolong false hope to the consumers until the lender elects to foreclose on the home. What makes matters worse is that the only other remaining refuge for homeowners are Attorneys, and most just understand certain aspects of Law but don’t fully know about Mortgage Contract Law and the ones that do are unaffordable for any one other than those lenders that have been given tax payer billions of dollars known as TARP. So the homeowners are left alone like wounded sheep in a hungry Lyons den.

Well no longer, CPAC Non profit Law Clinic employ’s trained Loss Mitigation, Mortgage Banking and Real Estate Professionals as well as trained State Licensed Attorneys and Multi State Licensed 39 year veterans of Law, Ex Dean of Law universities, Ex Professors and current Doctors of Law, Highly experienced Lawyers who’s authored books are currently cited in U.S Congress today, Law Professionals who have personally been invited to write new Laws, Consumer Advocacy and Non Profit Attorneys who have personally participated and contributed by personal invitation of the Courts themselves to create anti foreclosure court processes that have surged acceptable settlements for the homeowners instead of foreclosure. CPAC Non Profit Law Clinic offers a wide range of legal products and services that range from FREE No cost to the consumer all the way up to a very effective yet very inexpensive and easy for the average John Q Public to afford; successful and effective Court Room Litigation that leave the lenders with very few alternatives to an illegal foreclosure, one being to offer a acceptable settlement to the homeowners or continue in a Court Process that will prove the violations CPAC discovers can deem the entire contract unenforceable FOR FREE. Visit their site WWW.CPACaid.org or call them direct 866-773-7864.