Vectors and 3D Models
Local Search - Business
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
05/23/2019 05:06:36

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
Spiders Of MarsPongGauntletBlackjack LMahjongg Artifact 2

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles


Related Images

Article Category Videos to Watch
Go to the Videos Pages

How to Lose Your Home: The Cost of Poor Advice When Facing a Foreclosure

NJFRB Website: Free Foreclosure Help New Jersey

In February 2006, Jennifer and Roger Roberson found themselves unable to make their mortgage payments after Roger, a 37 year old father of two, lost his job as a technician for a major high-tech firm in New Jersey.

They received notice from their lender that the foreclosure process was being initiated on their home. Desperate for help, they conducted a brief internet search on how to stop foreclosure. After spotting an advertisement, they hired a “foreclosure specialist” to renegotiate a new payment plan with their lender. Assured that their case would be handled, they quickly handed over all the documents that were requested of them, and took a small sigh of relief.

“He told me everything would be just fine, that I would have no problems getting a new payment plan, especially since we knew Roger was already hired for another position,” said Jennifer.

A few months later, they received notice that their house had been sold at a sheriff’s sale.

The Promise of Peace of Mind

Unfortunately these unsavory bottom feeding real estate operations can be quickly established, and just as quickly disappear. Many of these businesses will use tactics such as:

Promise “no risk” solutions – more of a salesman than a specialist, these people will sell you more on stress relief than an actual solution. Real specialists will walk your through your situation step-by-step, and provide you with what options really do exist, including accepting foreclosure.

Bait and switch – they will advertise a low-cost fee then inflate the fees, or they may charge a flat-fee, only to proceed with foreclosure with or without the customer’s knowledge.

Charge you to buy your home – a “foreclosure specialist” in Virginia charged a homeowner ,500 to purchase their house and rent it back to them.

“Flip” your home – a Colorado attorney was recently cited for reselling his clients foreclosed properties, making as much as ,000 a transaction.

“It’s really a shame,” says J.M., a foreclosure attorney in New Jersey (who wished to remain anonymous). “These people are facing the worst of times, and these predators are sharks looking for nothing more than a quick buck at the expense of their fellow man.”

The “Do it Yourself” Solution

Yes, you can speak to your lender directly to renegotiate a plan. In fact, it’s advised that you keep an open line of communication with them if you do receive a notice of foreclosure. Compiling your personal finances, providing proof of hardship, and stating your intentions on how you will get your finances in order are all important steps.

But “the problem isn’t you,” says J.M., “the problem is who you get on the other end of the phone. Most people who are picking up at the lending company aren’t trained or given the incentive to take you by the hand.”

Finding the person who can say “yes” to you can be extremely difficult. This is where hiring a specialist makes sense.

How to Find a Real Specialist

The answer is not so simple. But like anything else, if it’s too good to be true, chances are it probably is. Things to look for in a specialist are:

References – ask them how many foreclosures they have negotiated, and if they have any references to validate this.

Trade associations – there are legal and lending organizations that provide approved foreclosure specialists

Word of mouth – ask around, nothing beats a trusted reference from a close friend or family.

Take Action & Be Aware

The most important thing for you to do is be aware of your options, and know what to expect from a foreclosure specialist. Grand promises, abnormally low prices, and lack of references are all red flags when searching for an advisor.

About the Author: The New Jersey Foreclosure Resource Base (NJFRB) provides free advice to New Jersey homeowners who are facing foreclosure. They can be found at

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2019 WhmSoft - All Rights Reserved.