Archive for the ‘after bankruptcy’ Category

After Foreclosure!

Friday, September 21st, 2012

Foreclosures are still an issue across the nation, so it’s worthwhile to include new(er) resources in case you are having trouble with your home mortgage or if you are recovering from foreclosure.

A looming issue now is for families who lost their foreclosure three or more years ago; if the bank did not take the property back by filing the proper documentation, your name may still be on the home loan and you will have difficulty moving on. There is , but there are steps necessary to take at the initial foreclosure stages; most of these steps are NOT told to you.

Where to Get Help

If your lender has been non-cooperative or has taken your property without first negotiating, file complaints with the following. Note, many of these are for California, our home base. Each state has its own equivalent and generally a search of the internet will turn these up for you:

  • Marin County District Attorney. Consumer Protection Unit: (415) 499-6495
  • California Department of Corporations : Regulates Mortgage lenders and servicers, mortgage loan originators, escrow agents
  • (U.S. Department of Housing and Urban Development)
  • Consumer Action, San Francisco:

It’s probably clear to everyone now that America’s

banks are not managed very well and are working with untrained (or undertrained) staff.

Credit errors, unfortunately, go against you, the consumer, NOT the banks or other lenders. It is up to the consumer, unfortuntely, to keep this all straightened out because, unfortunately, in the world of credit, you, the consumer, are “guilty until proven innocent” and you have to prove your innocence or live with black marks on your credit reports.

After suffering from a poor credit report for years, Mark Clayborne went on a mission to study everything he could on restoring his credit. Concluding the extensive research, he repaired his credit report and learned various hidden secrets on how to improve a bad credit file. Because of this new found tested knowledge, Mr. Clayborne helped over a hundred consumers repair their credit and take their financial life back.
Now, he wants to share these strategies with the world and as a result Credit Repair Secrets.
was created which has sold over 2000 copies of the soft copy and 15,000 downloads of the kindle version. Mark is the CEO of Self-Credit Repair Learning Center and The VIP Credit Repair Club. He is also a certified credit consultant and an author with over 150 articles written in the area of credit repair. He also has a successful radio show titled “Who Else Wants Better Credit.” Mark educates his customers through articles, videos, his blog and various credit repair kits. He graduated from Virginia Commonwealth University with a Bachelor’s Degree in Criminal Justice. He also holds a paralegal diploma.

Caution: Definitely clear up your credit, BUT have a plan. Do not fall back into any old patterns that dropped you into a downward credit spiral. It is not worth it. Use credit wisely, not for everyday expenses or desires.

was created which has sold over 2000 copies of the soft copy and 15,000 downloads of the kindle version.

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