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

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.

February 15, 2011 – Consumer Protection Assistance Coalition is a Non profit Law Clinic that provides homeowners struggling with Mortgage and Consumer Debt with free legal loan modification services at no cost to the consumer. Consumers can receive free consultation regarding an aggressive approach using legal remedies to mortgage and other consumer debt with out having to file bankruptcy. CPAC Non profit Law Clinic will perform a pre-qualification for any homeowner on various permanent principal reduction programs available today on any mortgage home loan while they perform a completely free lender fraud and violation analysis report while you wait. Homeowners across the country who had been previously rejected by their mortgage lenders have been able to find permanent relief from the same lender choosing to stave off Lender Law Suits which have been reported to be prevailing in various judicial courts across the country. Recent statistics released by the FDIC, Fannie Mae and HUD have reported that more than 8 out of 10 Americans who find them selves struggling to achieve a simple Loan Modification yet get rejected. Homeowners are suffocating in loans their current lender faces serious court room legal challenges as confirmed by the recent 50 State Attorney General Investigation regarding the now confirmed lender violations, commonly found errors, lender fraud , lender misrepresentation and illegal handling of documents.

Consumers seeking protection from abusive lenders or “servicers” and or foreclosing banks that have been reported to mislead or misdirect hopeful homeowners by promising President Obama’s HAMP or HAMP like voluntary loan modification relief while repeatedly requesting the homeowner to provide yet again previously provided documentation in order to get a “white unicorn” permanent Loan Modification with a false horn and black and white strips that rubs off in a few years leaving the homeowner with a ‘south of the border’ version the lender blatantly manufactured, that’s ‘if’ the homeowner gets ‘lotto lucky’ and doesn’t get an eviction notice instead.

CPAC Non Profit Law clinic helps the concerned homeowner identify and document violations, fraud or misrepresentation a Mortgage Loan may have from predatory origination tactics used to obtain the loan thru potential predatory loan servicing up to but not limited to the now confirmed as common practice with the few remaining Banking institutions we have left that received B”B” Billions of our tax payer dollars with no reported oversight, confirmed common practice of forging and or falsifying signatures on Court required documents in order to foreclose on families with small children and the elderly now facing homelessness instead of a simple and ineffective loan modification that a homeowner may accept in exchange to keep their home.

What makes CPAC Non profit Law Clinic unique is if one approach doesn’t get a consumer the result they are looking for, CPAC has state Bar Licensed Attorneys legal staff and Law professionals that work for and support their efforts so that a homeowner is armed with a hand grenades and a Bazooka that will land the law breaking lender in the Court Room facing a choice to either offer the homeowner an acceptable and meaningful settlement to avoid continued litigation or face a unenforceable loan contract based on Law not lender discretion. Consumers who become Preferred Members of CPAC non profit law clinic can expect to receive what most would think would be unaffordable but very effective consumer protective services and products either for FREE or at some times ridiculously low pricing, making a true lender law suit more attractive and more affordable than what has been very ineffective Loan Modifications that go no where. www.CPACaid.org 866-773-7864