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Do Search Engines Scare You?
Do Search Engines Scare You? What do the words "Search Engine" make you think of? I get immediate mind-pictures which vary but all have similar themes. Sometimes I see one of those tiny submarines which are used to explore the deepest parts of the...
How I Learned to Make $100K per Month: The #2 Thing I Learned You Must Have in a Successful Home Business
Have you ever heard the expression—“Be in business for yourself, but not by yourself”? If so, you may have been promised, “Full Support”…“Full Training”…“We’re here to help you every step of the way.” And then, they failed you every time.
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Madison Dynamics
Hello friends, I have some important news to share with you. Every once in a blue moon, something comes along that changes the world forever. February 9th, 2004 was one of those days... It's the day my friend, Stone Evans, sent an...
Something "New" For Managers?
Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at bobkelly@TNI.net. Word count is 865 including guidelines and resource box. Robert A. Kelly ©...
Thinking About A Public Relations Career?
Without a solid, well-designed foundation, few buildings successfully withstand the ravages of time and weather. And so it is with public relations, ever-dependent upon how well its practitioners understand the discipline. Yet, some public...
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Five Things Never To Tell Your Mortgage Lender When Facing Foreclosure
1. Never discuss your household finances over the phone with the collection department. What you don’t know is that you are being qualified and not know it. This is the easiest and fastest way to get a turn down. Request a homeowners assistance package so that you can submit the require information.
2. Never tell them you are broke. Even though you may qualify for a special forbearance or modification, you will still need legal fees and foreclosure cost. These fees cannot be put back into the loan. Your lender prepaid them to their attorney to start the foreclosure process.
3. Never tell them you do not live in the property. Under FHA guidelines, before you are granted any workout, you must reside in the property. If you have moved out and your property became an investment property, you better get someone in there with a lease or rental contract before the sale date.
4. Never tell them you are not working, in most cases you will not be approved. Depending on your sale date, your mortgage lender may not be able to qualify you for a special forbearance because of the amount of time left.
If you can’t find a job, I suggest you start a small business months before your sale
date, make some money, deposit your income and prepare a Profit and Loss Statement to prove income. Telling them you get paid cash and you can’t prove it won’t hold water.
5. Never tell them the reason you fell behind is because you mismanage your money. How do you expect for them to give you a workout when you still have the potential of falling behind again?
Copyright, Bobby Johnson-2004, All right reserved
Bobby Johnson is a Comprehensive Financial Planner who speaks on the topic “How to Eliminate Debt and Build Wealth”, “How To Get Triple AAA Credit with The Help From The IRS.” “ How Business Owners Can Save Their Business Without Filing Bankruptcy” he is the author of “Four Hours to Financial Freedom” and “Attract More Clients, Win Back Pass Customers & Make More Money”. Bobby has saved homeowners millions by not filing Chapter 13 and exposing the secrets used by mortgage lenders title in his latest book “ How To Save Your Home From Foreclosure and Not Lose Your Mind” Http://www.foreclosuremanual.ieasysite.com. You may reach him by email: bjohn54928@aol.com.
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