Stop Foreclosure Without Expensive Companies – Do it Yourself With a Guide From a Bankruptcy Lawyer

Loss mitigation companies are expensive and they guarantee nothing

A loss mitigation company is an entity that negotiates with banks on your behalf to attempt to get the banks to let you stay in your home. They know you are in a desperate situation and you have very few options. What they are going to be able to do for you is nothing that you couldn’t do yourself. First of all, you need to realize that they aren’t going to give you money to pay your mortgage holder. So, if you don’t have the money now, how are they going to fix the problem. That is a very good question, because they are going to be telling the banks how you are going to pay eventually.

That is all they do. They attempt to stall the banks by submitting forms that you could get your hands on and mail yourself, and then they come back to you and say is there any way you can get this money together. They ask about relatives, savings, and assets. They know they banks wan the money now, so that is their first line of defense. Because the banks are dealing with another company, they are going to be less lenient then they otherwise would be with an individual. If one of these companies use aggressive tactics, the banks usually don’t take kindly to that. They will just demand the money, and then you have an additional bill from from these supposed specialists.

You can do what they do, with research

As it turns out, you can, for much more cheaply do exactly what these negotiators do to deal with banks. And, the banks are probably going to be more empathetic when dealing with you. You basically need to stall until you find a way to significantly reduce your current payment or figure out a way to come up with the money. Those are the only two options. There are basic strategies that every one uses to stall. And the first step is getting the bank to send you all the necessary paper work that they are legally required to. After this step, lawyers employ various methods to attempt to negotiate more favorable terms.

Your Conflict With the Law

Laws are rules of conduct that are accepted by the people and enforced by the state. Even this simple definition gives us problems. One of the problems is that laws, like the mini-skirt or a hair style come and go out of fashion. Behavior that we thought was outrageous a few decades ago is now acceptable.

When laws cease to be appropriate they should be changed. Unfortunately, laws are slow to change and society can move quite quickly. There are some laws, however, that never go out of fashion like robbery and murder. Oscar Wilde was maligned for his homosexuality; he was imprisoned and made a social outcast. If he was alive today he would be a celebrated television personality.

Even more confusing, instead of being black and white, we place laws on a point on a spectrum. At one end of the spectrum, we have murderers and armed robbers; we feel that their behaviour is definitely wrong. At the other end of the spectrum we have someone who accepts €30 for taking a friend to the airport but does not declare the income in his tax return. Both are displaying criminal behaviour but we view them differently.

In addition to state laws, we also have our internal rules of conduct. These were given to us by our parents and other significant people in our lives. We live by these rules, though we pay lip service to the laws of the country.

How many of us have done the “odd job” and been paid for it without declaring it to the tax authorities. This is against the law, but we do not view it that way. Problems arise when our internal rules conflict with the laws of the country.

It is not unusual for people who are guilty of a crime to believe that they have done nothing wrong. A man who has stolen a loaf of bread for his starving family will believe that he has acted within his conscience and punishment by the state would be wrong.

The culture of a society will also determine what constitutes correct behaviour. When differing cultures meet, huge rifts can appear and often violence erupts. Both sides feel that they are behaving correctly. In some cultures, beating a wife “to make her behave properly” is regarding as correct; in others it is frowned upon.

Even within the same culture, problems may arise. In a relationship, partners may have powerfully opposing views on fidelity, violence within the marriage and financial freedom.

It is possible that you have been affected by crime and cannot come to terms with it. What may be happening is that your internal rules cry out for justice, but the culture or laws do not require the punishment that you seek. It will appear to you that there is an injustice.

It is not unusual for us to see offenders bemused and even amused by our outrage because they cannot see the problem. We are angry and want them to admit that they were wrong in order to satisfy our own needs. If they make such an admission, they will not mean it, because they do not believe what they have done is wrong.

Criminal behaviour affects us all. When we experience it face to face, it is hard to accept. Often, it is not the financial loss that that gives us the problem; it is the intrusion into our property and lives that angers us and leaves us with a feeling of insecurity. Our sense of fair play and our internal rules of conduct have been violated leaving us confused, angry and depressed. It can take years to come to terms with such intrusions.

I have produced some therapeutic recordings on a variety of subjects and invite people to make suggestions for additional recordings. The full list can be seen on This article, for example demonstrates that we feel that the law may not represent our own views. This may cause us problems, and problems with the authorities. People may feel that a therapeutic recording containing some useful suggestions may be appropriate.

Identity Theft – Is it a Crime?

When it comes to identity theft anyone with a social security card is a potential victim. Personal data is obtained and stolen for the primary use of fraudulent activities including economic gain. Canada and the United States have reported funds being withdrawn from bank accounts and credit card advances. Some of the victims have faced the hard reality that someone is posing as them. In most cases the innocent ones are the ones that are tracked down by the law and every attempt is made to prosecute them. When this happens the financial burden is upon the victim to not only clear their name but any false charges that might have been given. Up to 1998 there were no laws on the books concerning this crime. In 1998 Congress stated that identity theft was a federal offense.

The danger in identity theft is that the consumer doesn’t know it until it is too late. It is often times when false applications have been approved and credit has been granted. The “real” person isn’t even aware what has happened. What usually happens is that the theft will send in approved credit card application but give a change of address. So that the invoice or monthly statement of that credit card doesn’t even go to the rightful person. When notice is given it usually is too late to recover the loss or even challenge that it was a fraudulent act. The majority of people end up filing for bankruptcy. Know the facts so you won’t be a victim.

Hand Over The Console: The Fake PS3 Theft And Other Crimes

When the new Play Station 3 came out, people were doing anything they could to get a unit for themselves. People were camping out all night, pre-ordering, looking online for deals, absolutely anything. They’d stop at nothing to lay their hands on a PS3 gaming console. Some have been known to resort to illegal means.

Take the case of two 19-year-old employees at a Gamestop in Elk Grove, a suburb of Sacramento, California. They grabbed four machines and then told the management that armed robbers had busted in and taken them. Of course they were caught, and now they are facing some serious charges: embezzlement, burglary, conspiracy and filing a false police report. Those turned out to be pretty expensive gaming consoles.

Here’s how it went down. The day before the PS3’s were to be released, the Gamestop employees called the police, saying that they’d been held up at gunpoint, and the robbers took the four coveted gaming consoles. The police won’t divulge any particular details, but someone tipped them off that the robbery was a conspiracy of some sort. Also, there was evidence that wasn’t consistent with their stories, indicating that they hadn’t planned things out as well as maybe they should have.

At first, the police suspected the guys knew the masked gunmen. Then, they figured out that there weren’t ever any masked gunmen at all, and that the two had simply taken the machines. They were arrested within a few days, but that didn’t stop all the game stores in the metro area and even beyond from hiring extra security to keep tabs on things.

What happened to the machines? They were probably sold on eBay. Nobody knows, actually, and probably nobody will ever know. They were gone instantly, and the perpetrators used the money to get themselves out on bail.

This isn’t the only PS3 theft. Here are some of the other stories of desperate people taking the law into their own hands, risking their freedom and livelihoods to get a free video game console:

-In Hawaii, a man in an SUV pulled up, got out, and hit a total stranger with a baseball bat, demanding that he turn over his PS3. The attack was unsuccessful, so the man got into his SUV and drove off.

-An 18-year-old in North Carolina stole two PS3’s from another student, and when confronted by the police, they shot and killed him! According to the official reports, the police shot his dog, too.

-In December 2006, robbers stole 180 PS3’s out of a warehouse in Nakashi, Japan. The theft occurred in the middle of the morning sometime and will cost Sony more than $80,000. The Japanese police are now investigating the theft, and trying to determine if it might have been an inside job.

-After a woman in Florida got her brand new PS3, a man followed she and her brother to her home and held them at gunpoint, demanding she hand over the console. She did what any reasonable person would do – she handed it over.

-Some hardcore thieves actually came into a gaming store by burrowing in the back way, and stole 13 consoles that turned out to be just display boxes. When they realized they had ripped off a bunch of empty boxes, they went back and grabbed some XBox 360’s.

In addition to these stories, there have been reports of muggings and robberies as people camped out to get their brand new PS3 units. The PS3 is expensive and a bit tough to get your hands on, but is it really worth the risk?

Identity Theft Is A Creation Of Both The Laws Of Nature And Man

The need or the desire to steal another person’s identity was created by both the laws of nature and the laws of man. Identity theft has been with man from the beginning of time. Today, it’s the fastest growing crime in the global community It is the crime of taking and using as one’s own the identity of another person without their consent. It is an intentional deceptive behavior that is designed to deprive the rightful owner of the continuous and uninterrupted enjoyment of his or her identity.

The first recorded report of this theft was found in Genesis 25:27-34 and 27:19-36, and addresses an issue created by the birth of twins. This reporting presents a clear picture of the second-born son desires to have the birthrights and blessings of the first-born son, The report presents a step-by-step procedure taken by the mother and her second-born son, to convince the blind father that he was giving the first-born blessings to his first-born son. The cleverness of the father’s ability to use all of his sensing faculties to make-up for his inability to see was equally impressive. The premeditated steps taken by the mother and her second-born son to counter the father’s cleverness in order to steal the first-born blessings, is an indication of the level of cleverness and determination today’s identity thieves will use to claim the identity of others for their personal usage.

Identity thieves steal identities for different reasons. In all cases the information needed to steal the identity of others, includes but is not limited to, the name, address, phone number, driver’s license numbers, credit card numbers, medical records, bank account numbers, social security numbers, income information, or other personal information. Records at the drug store usually contains enough information to allow an identity thief to steal someone’s identity. According to the Non-profit Identity Theft Resource Center, identity theft can be subdivided into five categories:

  • Criminal identity theft which is posing as another person when apprehended for a crime.
  • Financial identity theft which is using another’s identity to obtain credit, goods, and/or services.
  • Identity cloning which is using another’s information to assume his or her identity in daily life.
  • Medical identity theft is using another’s identity to obtain medical care and/or drugs.
  • Child identity theft occurs when a minor’s social security number is used by another person for the imposter’s personal gain.

Once the personal identity has been stolen and put into use by a thief, it can takes months to stop the fraudulent use of the information, and it could take years to clean-up a good name and credit report. The good news is that there are ways to prevent becoming a victim of identity theft. One way is to engage the services of a big guard dog, mutilate or destroy all bank statements, credit cards with name address and accounts numbers on it before it becomes trash. Another way is to change passwords and never use the birthdate of a family member. Protecting yourself and your family from the horrors associated with identity theft that was created by the laws of both nature and man is an important job.