February 15, 2011 – The mortgage legal services industry has been filled with many lawyers and non-attorneys who require from $ 3,000 up to $ 8,000 from un-informed members of the public for “non legal” representation called loan modification services. In addition to this the industry also has had certain regulatory enforcements that now leave many homeowners stranded with out any licensed or non licensed professionals able to work on their side against the lender who threatens to foreclose on them should the homeowner choose not to pay their last pennies on partial interest only payments that don’t seem to get applied to any thing in what is typically called a “Trail Loan Modification Program”. I would think that if it was any other entity or organization or even you other than our Banking Industry these actions would be called some where cross between Embezzlement, Larceny and or Racketeering or just plain against the law.

From one extreme to another; Consumers try to find solace in what has grown to be a very commonly known entity called a “Non Profit” organization. A few in particular mushroomed to be quiet popular today. Most companies would need to spend many Millions of dollars to make that type of public recognition in such a short amount of time. Many Non Profit Organizations are funded, supported and some even founded by the same lenders that originally perpetrated FRAUD then spent Billions of your Tax Payer dollars to purchase your home loan for cents on the dollar and instead of lowering the Loan Balances to keep YOU in your home with the adjusted new acquisition value the decision to foreclose and make yet another large hit is reached. One “Non Profit Homeownership” conference was reported to have homeowners that were behind on their mortgage fill pre-interview form while waiting to have a result-less interview with the lenders representative only to re-request already provided documents. Guess what the form provided to these homeowners by the Non Profit Organization was called? “Pre-Foreclosure Initiation Form” ! The new law “SB 1137” made it illegal for the lender to initiate the Notice of Default process unless the face to face meeting was properly offered! One non Profit organization is out there that does not get funded by any lender, not one cent from our Tax payer Funds, the Organization is CPAC Non Profit Law Clinic. This Non Profit Law Clinic is registered with the Federal Government and offers a wide range of non consumer fee based services and products that many homeowners take advantage of every day.

CPAC offers prequalification for several permanent principal reduction programs available most people don’t know about but should. They will do the prequalification for free while they perform a Lender Fraud & Violation Analysis Detection Report at ZERO cost to the homeowner. CPAC Non Profit Law Clinic allows you to hear and learn about many Consumer Protective Laws and other non free, very modestly priced Consumer Protective Products and Services that every one should know about. As a preferred member you get drastically reduced pricing. CPAC can help homeowners on time on their Mortgage just concerned as well as ex-homeowners already foreclosed on explaining and assisting in performing a Trustee Sale reversal. If your loan has specific violations that CPAC can identify for free, CPAC can have you in a Law Suit against your lender for less than most people have paid for a simple Loan Modification. CPAC offers FREE legal Loan Modification Assistance, but with proven violations to specific Laws, your lender faces an unenforceable contract in the court of law thru an Individual, Class Action or Consolidated Group Law Suit leading to an acceptable settlement conference that the true decision maker will be GUARENTEED to be aware of, that’s the Note Holder, not just the glorified collection agent most Americans are mistakenly only asking for help known as the Servicer. CPAC Non Profit Law Clinic www.CPACaid.org