We have had a temporary hold on our membership since June of 2011 in order to service our current members. We cannot take additional membership at this time. Please check back from time to time, as we may open up membership in the future. We apologize for any inconvenience.
Thank You.
We’re not lawyers. We’ve done this ourselves and are willing to share what worked for us.
If you are having problems with your mortgage or credit card debt, we can show you a solution. Your first step is to become a member.
Membership entitles you to purchase personalized documents and step-by-step instructions to discharge your debt.
Personalized mortgage analysis.
Access to basic links and research.
Access to basic FAQs.
All Deluxe Member Benefits PLUS...
Access to conference calls.
Full access to links and research.
Subscription to future online newsletter.
Access to future webinars.
Is this legal? Is it ethical?
Absolutely, and there is plenty of case law to support it. Your lender must have the original, signed Promissory Note to foreclose. Additionally, if your mortgage has been 'sold’, 'bundled', or otherwise exploited in such a way as to generate a profit, you are entitled to that profit. If you have not received some or all of that profit, your lender is guilty of fraud and can be held responsible for repaying the principal and all interest owing. Penalties and damages may amount to three times the original amount of your mortgage or more.
In December of 2008, we had foreclosure filed against us. We did a loan modification sending in the paperwork for both our 1st and 2nd mortgage in the same envelope, along with a check for requested additional funds to complete the loan modification. The 1st mortgage and the check were processed, but we were told they “never received a modification for the second”. The check was attached to the second mortgage paperwork. We knew then that this was just a scam by the bank to get more money.