Federally Registerd Non Profit Law Clinic

Santa Ana, CA (PRWEB) December 1, 2010

As the housing crisis deepens, true relief for homeowners is scarce. A Non Profit Law Clinic with supporters and volunteers that range from law students, 38 year multi state licensed Mortgage and Real Estate Contract Litigators, Real Estate/Mortgage Professionals to large Investment Firms has launched a breakthrough approach, effectively allowing for a substantial “principal reduction” – something unheard of in the Financial Industry until now, by allowing individual homeowners to participate in a very common banking practice.

Consumer Protection Assistance Coalition (CPAC), an established Non Profit Organization with Federal Government recognition as a 501 c3 Tax deductable organization with a current presence in Washington DC, Arizona, California, Colorado and New York is taking a very unique but effective approach to help all families especially those with children and the elderly facing homelessness due to wrongful or illegal Bank Practices including wrongful foreclosure. One of CPAC’s Directors, James Curtis Esq, a practicing Attorney for almost 25 years and 10 year veteran as lead criminal prosecutor in the Assistant District Attorneys Office has attracted many supporters and alliances for their cause.

“In our struggles to help families that the lenders have seemed to “toss aside” out of greed and in most cases very questionable if not illegal actions perpetrated by the same lenders our Tax (TARP) Payer Billions went to, we have seemed to have attracted some very innovative supporters that now allow us to offer a true “Restructured Mortgage” program by using the same system those same lenders have been using for decades, buying and selling Mortgage Notes back and forth to each other, only they never allowed the homeowner to benefit from, until now, we call it Consumer Home Affordable Restructured Mortgage program or just CHARM for short. ” states Mr. Curtis.

Mr. Curtis continues “In today’s Banking environment, Note Holders of Home Mortgages are trading, buying and selling both Non Performing as well as Performing Mortgage Notes like a Monopoly game, only with real people’s lives that they don’t seem to care about. Our approach is very simple, yet very effective. We help the consumer with every aspect and level of aggressiveness in approaching their lender to allow a long term sustainable alternative to foreclosure. We use many different approaches, some very subtle and non threatening to very aggressive methods including but not limited to State and or Federal Law suits filed against the Lender and the actual Note Holder for very commonly found errors, mistakes, violations or misrepresentations in the loan itself that may make that loan legally unenforceable let alone un-foreclosable”.

According to Mr. Curtis statement, “Every one knows the lenders have no intention in voluntarily helping the homeowner, not if it causes the lender any type of loss. That’s why the current failure rate on voluntary lender loan modifications has been reported higher than 99%. I read some where that out of 650k families that finally received a Trail Plan, with a promise to get permanently modified, only 2000 families received a permanent loan modification. Most of those re-defaulted and were only short term rate reductions that will place the home owner back in the same or worse spot in the near future”. Mr Curtis continues “Unfortunately the homeowners now have very few real alternatives other than what their lenders want them to do, either selling their home, being forced to accept a meaningless temporary interest rate reduction, experiencing foreclosure or finding a more aggressive offensive approach based on the lenders short comings, that’s where we come in. Unlike other than Non Profit entities paid by, sponsored by or supported by the banks them selves, like wolves in sheep’s clothing guarding the hen house. We work against the bank and only for the Consumer using Consumer Protective Laws and the United States Court System”.

According to Mr. James Curtis Esq “CPAC offers all consumers many completely free, no fee services and products that many consumers benefit from every day, because we have a very high level of Banking Professionals with in our organization, we actually get a good percentage of our clients meaningful and sustainable restructured mortgages with out having to resort to more aggressive methods, and that’s our goal 100% of the time. But in the event that the consumer wishes or is forced to by their lender, we put on our boxing gloves and kick them between the legs.”

Mr. Curtis continues “If that doesn’t get our consumer a settlement that they can truly afford, then we are prepared to go the full 12 rounds, but we slide a brick in each glove for leverage. Whack the Bank once upside the head then offer them a extra strength Tylenol and a pillow. We have attracted a few very interesting supporters that are investment firms, one is publically traded and others have pledged up to $ 78 million in revolving credit lines and are prepared to buy the Non performing Mortgage Notes or in some cases buy the homes from the foreclosing bank and resell the same home back to the homeowner, homeowners and their relatives for close to today’s market value”.

“One firm has agreed to do the same and actually lease back the home to the homeowner that was getting foreclosed on and give that homeowner a Purchase Option Agreement that will give the homeowner the chance to address any financial as well as credit issues. We are actually actively making great advances in aligning ourselves with a Private Banking institution that will actually give a new loan to the homeowner while they are in foreclosure, no other Non Profit or For Profit Organization that I know of can say that”. He continues, “ Our Coalition has many successful cases that resulted in the homeowner that was getting foreclosed on not getting any voluntarily help from their lender either bought their same house back for market value thru our investment partners or are still living in the same home paying a much lower monthly payment, in some cases less a third of what their prior payment was with the first right of refusal to purchase back their home for close to today’s market value, in a specific case that meant $ 250k less, half of that was previously owed on the same property to the foreclosing lender with a faulty mortgage loan contract”.

CPAC offers any consumer free consultation, free lender fraud and violation analysis, free permanent principal reduction program pre-qualification, free loan modification package that is lender specific with web based paperless document upload, storage and immediate recall delivery with password protected access for the homeowner or any one the homeowner wishes to have viewing access to what is now always getting lost by lenders. CPAC also offers free Home Affordable Modification Program (CHAMP) long term result review and free explanation of consumer protective laws, services and products that are available to educate and prepare every consumer to make the decision that’s right for them. Some thing your lender and your lenders paid affiliates, including most Non Profit company’s wont do. CPAC will even offer consumers a free explanation of non legal alternatives that will only help the consumer not the lender then refer or introduce the pre-qualified consumer to a vetted experienced professional to properly execute that alternative. Why do they do all this for free, well they do it hoping that their free services, advice and products do the trick, but in the event that a consumer needs a more aggressive approach CPAC wants the consumers to understand and be aware of other very reasonably priced consumer protective legal products and services CPAC’s Staff Attorneys or Of Council hopefully will assist with, including but not limited to Class Action Lender Law Suits seeking Quiet Title, that’s a paid off free and clear home due to lender Fraud, violations, misrepresentation and complete mishandling of official documents.

CPAC also seeks contributions, donations and pledges from both the public and private sector that will be used 100% to help post or pre foreclosure families with children or the elderly that are or maybe facing homelessness due to foreclosure. There is a lot of focus on foreclosure; there has been Billions of dollars in bail out funds given to Corporate America, Wall Street Criminals, Banking Institutions that didn’t really need Billion Dollar Bonuses. So far all the focus has been placed on post foreclosure assistance to the Banking Institutions. But no one has addressed the poor families suffering from the lenders greed, abuse and illegalities committed against America’s average John Doe, who has Grandpa or Grandma and 2 small innocent children living with them who can’t fight the Bankers alone, that’s why CPAC exists.

If you are or know a family in need of CPAC’s help, or you wish to make a donation, pledge or contribution to a very worthy cause before the end of the year, please visit CPAC’s web site http://www.CPACaid.org. Its time America re-focuses in the right direction. CPAC’s phone number is 866-773-7864

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

More Tax Lease Press Releases

Dallas, TX (PRWEB) March 9, 2006

American Car Loan, an online car loan company based features a nationwide network of lenders has announced today that its approval ratings for applicants applying for loans has increased from 90 percent to 99 percent for loan approval.

The company, which is physically based in Dallas, Tx., is excited about the results, and says that its ability to work with individuals with bad credit and no credit has made it one of the best car financing buys in the country.

Record-Breaking Approval Ratings:

“To be able to approve 99 percent of our applicants is a tremendous feat,” reports a spokesman for American Car Loan. “It just goes to show you that even if someone has poor credit–or even no credit at all–all it takes is a company that cares and is willing to work with you.”

“At American Car Loan,” he continues, “we work with anyone who is serious about getting car financing, whether it be for a car lease or for a bad credit car loan. Used or new, too, it doesn’t matter.”

Mentioning its website, the company touts that it offers one of the easiest ways to help those in need of car financing, particularly a Dallas car loan, is to apply for a loan through its online auto loan application. The application, which takes less than a minute to completely fill out, is easily located on the front page of the website, notes the company, and a representative contacts applicants within days, if not hours.

“Car loans shouldn’t be complicated any longer,” he outlines, “not when you have places like American Car Loans. It’s simple, easy to use technology, and the application is completely secure. Clients may well be in their new car the very next day.”

About American Car Loan:

American Car Loan is a car loan company based out of Dallas, Tx., with a partnership of a nationwide network of lenders and dealerships across the country. To apply for a car loan or for more information, visit its website at http://www.americancarloan.com.

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©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Lease Car Press Releases

Endicott, NY (PRWEB) January 1, 2006

The AFA is proud to announce its partnership with the Lease Loan Reimbursement Program (LLRP). This automobile membership program is designed for all consumers leasing or purchasing a car, or truck, and has a financial obligation to pay over an agreed term.

LLRP was developed to help automobile owners cope with some of the practical problems that follow when there is damage to their vehicles. LLRP helps ease the stress of problems by reimbursing your monthly car payment during those problematic and stressful times. You can collect this benefit up to six times or $ 25,000, which ever comes first, over the entire term of your Lease/Loan.

Offers: Full Reimbursement of the monthly financial obligation when consumer’s vehicle is out of their Care, Custody, or Control for most reasons, including all of the following:

-If their vehicle is stolen

-Involved in an accident ( Regardless of fault or driver)

-Vandalism

-Warranty Repair

-Totaled Vehicle

LLRP Motor Club’s Claim Concierge Service will assist you from start to finish by utilizing their nationwide representation of expert parts and auto repair networks.

More About the LLRP Program and What it Can Do For You:

*Full Satellite Monthly Expense included with the Car Payment Reimbursement

*Full Nationwide Road Side Assistance & Towing

*Full Discounts offered for Special Vacation Packages & Car Rentals

*Full access to Maps, Directions Services & Automobile Links provided by LLRP.Com

LLRP Motor Club’s Mission Statement

We all like to protect our financial position.

We all want to minimize our exposure to lose money.

It is important that we maintain at the very least our financial posture in good times and when things happen which we all know they do. It is our intention to provide relief in areas that millions of automobile owners have had to endure. LLRP Motor Club is not offered to the general public. It is our pleasure to now offer these exclusive benefits to your association exclusively. We expect a long lasting and successful relationship.

Yes, Accidents Do Happen

Regardless if it is a minor or serious accident you must immediately deal with those who were before the accident, complete strangers:

-The bodyshop owner and his mechanics

-The insurance company’s claims division

-The insurance company adjusters

-The insurance company investigator

-The local police pet. For the police report that you must pay in advance.

-Appointments for statements usually scheduled at a bad time for you.

-The car rental staff when you find out that your insurance company is covering $ 20.00 per day and your cost is 39.99 at the very minimum.

-Claim forms and other paperwork must be completely on time.

-More statements this time under oath

-Guess what – Car Payment is due and payable to the finance company who is not aware of any of the above and quite frankly doe’s not care either.

Finally the claim is settled and the repairs start.

-Upon completion the word supplemental damage starts to come into play.

-This could mean the reopening of the entire file and you

-Start all over again

“Protecting your Vehicle’s Payment”

Become a member today – Go to

http://www.llrp.com/afamembers.asp – complete simple form and print. A few pennies a day, a few minutes of your time, and you will have become another proud member of our exclusive Motor Club family. Together – LLRP & AFA – Exclusive Benefits For All

About the Lease Loan Reimbursement Program (LLRP):

The LLRP.com Motor Club is a joint venture between Lovetere and Associates LLC and West Point Underwriters LLC. For more information about the LLRP, please visit their Web site: http://www.LLRP.COM

Contact:1-866-525-llrp (5577) To join now go to http://www.llrp.com/afamembers.asp and your membership will be confirmed.

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Attachments

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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