Archive for the ‘proposed solutions’ Category

Dragons and Demons

Tuesday, March 26th, 2013

America’s lenders have started a new round of foreclosure activity — in time for Spring, when house sales generally heat up.

The Wolf is Back at the Door

Friends and associates are receiving final notices.

Those notices are timed with news stories stating that home prices are still down, interest rates are down, and if one qualifies, now is the time to buy. Somewhat true, but look at the cost. More people have been displaced and forced to move from foreclosures than in any war zone in the history of the world. What we have been experienced and still are experiencing is a colossal land grab. Oddly, a Big Player in this land grab is HSBC — Hong Kong Shanghai Banking Company with home offices in Wales and England. Seems England still want to own America and is well on the way.

Last night, I had a dream of unleashing my dragons . . . I draw them . . . they are small and peaceful generally, but they are upset. My dragons are shape shifters. Normally playing or sleeping in fields or on mountain tops, they flared.

Within minutes, from their normal exotic bodies, they grew and left the house around 2 a.m.

They can’t be controlled when they are upset. As this is written, they are flying over the houses of banking, real estate and marketing executives, and snatching those executives off of their gated lawns.

We’re not sure what the dragons are doing with the executives, nor do we care. This dream was on the heels of seeing Just saw Quentin Tarantino’s Django Unchained wherein former dentist, Dr. King Schultz, buys the freedom of a slave, Django, and trains him with the intent to make him his deputy bounty hunter. Instead, he is led to the site of Django’s wife who is under the hands of Calvin Candie, a ruthless plantation owner.

Real estate executives and lenders are manipulating numbers by NOT including short sales.

When owners allow their home to be sold via a short sale, they lose their home, their investment, but purportedly save their financial reputation (which isn’t quite accurate). The banks benefit and have insurance against loss. Real estate agents benefit. The home owner does not.

In addition to being covered by insurance, lenders are now racking in cash again by selling the houses they took back. New buyers are working through banks to get with FHA-backed loans. “An FHA loan is a good option for those who can qualify,” said Paul Leonard, California director of the Center for Responsible Lending. It is a good time to try to buy, but first one has to recover from what lenders

have done for the past several years, which includes inept bankers and outright lies.

The constitution recognizes islam as the official religion, but there are essays writers more about the reporter also sizable christian and hindu minorities

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
  • www.hud.gov (U.S. Department of Housing and Urban Development)
  • www.makinghomeaffordable.gov:
  • 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.

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

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