Traditionally, the foreclosure process has taken approximately 90 days to complete, and it is completed by the bank auctioning off the home, usually at the county courthouse or curing the default.  If nobody buys the home, the lender will buy the home back and then place it with a real estate agent to be sold.  Sometimes homeowners think that if nobody bought the property, then it didn’t get sold and it is still theirs.  This is not the case in at least 95% of the auctions.  Once the lender buys it, the home is his and the homeowner will have to vacate the property, normally within 30 days.

Today, homeowners have opportunities available to them to stop the bank’s attempts to foreclose on him or her before the home is auctioned off.  Tila Solutions is able to help homeowners who contact them before the home is auctioned off.

It is important to know that the homeowner does not have to leave his home at the beginning of the foreclosure process.  And the homeowner still has time to stop foreclosure and save his home. But, also understand that the lender will not accept any payments from him except for the full default amount.  The default amount is the total amount of missed payments, plus all fees.

Traditionally, paying the full default amount, which always includes fees and penalties and other “additional costs” – often marked up to create more profit for the lender, is known as curing the default.  If the homeowner cures the default any time before the auction date on the property then he is not going to lose his home.  It is estimated still that at least 50% of the homeowners manage to cure their defaults. This is one reason why lenders would prefer to use the foreclosure process to make money instead of give a homeowner a loan mod.  However, statistics are also showing that these homeowners who cured the default normally end up back in foreclosure in very short order.

Tila Solutions receives countless calls and emails from people every day desperately trying to save their homes.  There have even been reports of people committing suicide because they could not stop foreclosure.  They call Tila because they need help.  Real Help – not false hope.

Lender Lies & Deceit

In any given month Tila Solutions receives countless calls from people that they can no longer help.  These are the people who were told by their lenders that they did not need to worry about the foreclosure, because they were “under review” for a loan mod, and the homeowners actually believed the bank.  Then somehow the auction date or denial letter didn’t arrive at the property address or in the mail, and the homeowner learned that either a) his home was going to be sold in the next couple of days or day, or b) his home was already sold at auction.

Tila Solutions is an audit company.  They conduct forensic loan audits and help people locate the federal laws that were violated by the banks when the loan was issued. They use the results of these audits to help people save their homes and get the loan mods the banks refused to give previously.  But they can only help IF the home has not been auctioned off!

These days, the lenders have the goal of cleaning up their books, turning a profit, and making more money (actually the same goals the banks have always had – cut the losses and turn a profit). Banks determine where they will see the best return on the money they loaned, and sadly, you are not it.  Now that means auction off your home, and make money elsewhere, and that is what has been happening to the masses.

It is always the same story:  You, the homeowner, were lied to when you were given the loan: it wasn’t a good loan worked out in your best interest, it was a predatory loan that is now consuming you, but has made money hand-over-fist for the lender.  Now you are being told there just seems to be no way possible to qualify for a loan modification and lower their monthly payment, or worse yet, that you are under review and not to worry about the auction date.

Until Tila Solutions conducts the Forensic Loan Review and finds the crimes that the banker is guilty of, you will continue to be lied to, and either cure the default, only to end up in foreclosure at a later date, or just lose your home.

It’s a story we are all quite familiar with now:  somehow, that poor family, sitting in foreclosure does not make enough money to pay a smaller monthly payment, so the bank refuses to do the loan modification.  Of course they will also continue demanding the higher monthly payment or you lose your home to foreclosure.

Stopping the Bank Scam

Homeowners just don’t realize that the bank will tell them lies.  It will tell them that they are getting a loan mod and then it will auction off their home.  If any other company operated this way they would be shut down rapidly and prosecuted!  But the banks have billions of dollars and they are getting away with it.  If homeowners do not have somebody on their side, and keep listening to the bank lies, they will be another statistic of the bank scams.

When Tila Solutions comes on the scene, foreclosure is stopped, banker crimes are found and exposed, and lower monthly payments (and often principal balance reductions too!) are gotten.

Tila Solutions uses the power you have always had to protect you:  TILA, HOEPA, RESPA, ECOA.  These are the laws that protect borrowers and prevent them from having their lives destroyed through the predatory acts of unscrupulous lenders and bankers who would use them for their own profit.

Borrowers have so much power and strength when they know their rights and use these laws.  Tila Solutions helps them do this.

Banks are not above the law, but will try to operate as if they are.  You don’t have to take that anymore!  A Tila Solutions Consultant is available for people by telephone at 1- 307—459—0232.  Or you can visit the Tila Solutions website at www.tilasolutions.com.  They will help you and your family.  They are on your side.

Los Angeles, CA.- www.MrsP.com, the popular, award winning kids’ entertainment site, announced today that from September 1 through October 15, 2010, MrsP.com is accepting stories written by children 4 to 13 years old for its second annual “Be A Famous Writer Contest.”

The judges this year are themselves some of the world’s most famous writers: #1 best-selling author Meg Cabot (”The Princess Diaries”); Jim Davis, creator of Garfield, the most popular cartoon strip in the world; and Danny Kallis, creator of the Disney Channel’s “The Suite Life of Zack and Cody” and “The Suite Life on Deck,” television’s top-rated shows for kids.

Two grand-prize winners will have their stories read by Mrs. P (sitcom star Kathy Kinney) in videos featuring original illustrations and produced by a Hollywood production team. The videos will be posted for viewing by a global audience at the website and on iTunes. Each winner will also receive a bound copy of the illustrated story, as well as gift certificates to Powell’s Books (www.Powells.com), the largest independent bookseller in the world and the official sponsor of the writing contest.

Stories submitted for the contest may cover any topic, fiction or nonfiction, and should be between 250 and 1,000 words.

“I’m proud that my website exposes kids to some of the best stories ever written, but I’d also like to encourage kids to create their own stories,” said Kinney, who before Mrs. P was best known as Mimi on “The Drew Carey Show.” ” Encouraging creativity when kids are young helps them to become more successful and fulfilled for the rest of their lives. If Mrs. P can play even a small part in that, she’ll be a very happy redhead.”

MrsP.com is the recipient of The National Parenting Center 2009 Seal of Approval and is an American Library Association “Great Website for Kids.”   The Professor Garfield Foundation learning portal, www.professorgarfield.org, recently added www.MrsP.com to its interactive online environment where children can safely explore, learn and creatively express themselves.

Source:
http://www.1888pressrelease.com/mrs-p/kathy-kinney/mrsp-com-launches-kids-writing-contest-with-top-celebrity-j-pr-237492.html

Beverly Hills, CA; August 20, 2010-John Diaz, a Board Certified Plastic Surgeon in California, just opened a new office in Beverly Hills. The office is located at 436 N Roxbury Drive, Suite 205 in Beverly Hills. The office is located within an area called the “Golden Triangle” of Beverly Hills. This is widely considered one of the most prestigious and coveted locations in the country.

The office is a reflection of his practice. John Diaz runs a boutique practice catering to a small number of patients who seek the most modern techniques. He provides special and personalized care to each of his patients. In order to accomplish this, he designed the office to be an intimate space with a modern, minimalist décor. He schedules only one patient per hour in order to provide uninterrupted attention to each patient. This also ensures privacy for his high profile, celebrity clientele.
About John Diaz

Dr. John Diaz is an Ivy League graduate from Cornell University. He received a scholarship to attend the prestigious Albert Einstein College of Medicine in New York. Dr. Diaz graduated medical school with the highest honors and for this he received the Alpha Omega Alpha Award, which is given to only the top 10% of medical students in the country. He completed his training in Plastic and Reconstructive surgery in N.Y.C. where he had the privilege of working alongside some of the most famous plastic surgeons in the world.

Dr. Diaz is a published author of articles on plastic surgery. He received a degree with Distinction in Plastic Surgery Research for his work. He has received awards from the New York Regional Society of Plastic Surgery, Montefiore Medical Center and the Albert Einstein College of Medicine. Dr. Diaz is a medical staff member of the renowned Cedars Sinai Medical Center in Los Angeles, CA and has a private practice in Beverly Hills.

He serves as a member of the Executive Board of the Los Angeles Society of Plastic Surgery and has presented lectures on plastic surgery throughout the United States. He has appeared in numerous national and international television programs and magazines. He serves as an expert on plastic surgery for various television programs including Montel Williams’ series of “Living Well” shows. Dr. Diaz also serves as director of the Age Defying Institute where he promotes the advancement of health and wellness in patients.

John Diaz specializes in cosmetic surgery. In particular, his focus is on rhinoplasties, breast augmentations, liposuction and tummy tucks. He performs a wide variety of other procedures as well.

For more information contact:

John Diaz
436 N Roxbury Dr. Suite 205
Beverly Hills, CA 90210
310-770-9949
info ( @ ) drjohndiaz dot com
http://www.drjohndiaz.com

http://www. youtube.com/watch?v=3-OpSnkyprM

Source:
http://www.1888pressrelease.com/john-diaz/dr-john-diaz/john-diaz-board-certified-plastic-surgeon-opens-new-office-pr-237148.html

Meanwhile, the Loan Modification department, whose job is to “help” you stay in your home, operates like the three stooges (losing faxes, asking for the same thing over and over, transferring you to multiple untrained personnel – often in India). They just seem to be “unable” to do a job that normally does not take more than a couple weeks completed in less than a year.  Actions speak louder than words.  The actions are to foreclose.

You have heard people say, “Don’t pay a professional to get your loan modified.”  They tell you that you can work with those helpful lenders who got us all into this mess.  They reassure you that you’ll get a great loan mod– but wait—those are the people who are suing you to foreclose on your home!   Since when do people who are suing you really become (honestly now) “helpers”?

Did you know they make far more money if they foreclose on you?  They lose money if they give you a loan mod.  And don’t overlook this little item: many of them are even guaranteed to make money if they foreclose!  Check out this video that made big waves a couple of months back, it revealed one such guarantee by the FDIC and One West Bank. http://vimeo.com/10074664

Seriously, the banks hate to see Tila Solutions involved. They know that if Tila is investigating,  they can’t kick you around.  They know that when Tila Solutions Examiners audit home and commercial property loans they find laws broken and fraud committed.   It really messes up the bank’s game plan!

Tila gives the power to force the bank to do a loan mod or have the tides turned on them, with you being the one suing!  That one suit of yours could become the basis for many others.  Class action suits against the banks are rampant right now.  Bank of America is currently being sued for taking government funds to do loan modifications and then NOT DOING THE MODIFICATIONS.  And remember this:  You are still providing your share of 75 billion dollars to keep the banks afloat so they can pretend to help you while they are actually foreclosing on your home.

Take a look at a couple of the emails that Tila Solutions receive everyday from people needing help.  Below these emails are examples of what the outcome is when Tila Forensic Loan Audits are used with the banks.

Of course, you can try for a loan modification on your own and probably lose your home. Or you can contact a Tila Consultant and ask for a forensic audit on your loan.  They’ll also take over the negotiations for you and in almost all cases they will save your home and cut your payments by 40%-50%.

—–Original Message—–
From:
Sent: Thursday, May 27, 2010 8:39 PM
To: helpdesk@tila-now.com
Subject: Online Application Information

Name:

Phone number:

State:

Email address:

My situation is: In Feb 2009 we began loan modifacation. Home Eq was sold to Quantum and Quantum recommended we do a re finance. GMFS the refi company has had us waiting since last Feb 2010 on the closing. Recieved notice today that if we do not pay 3,000 by tomorrow our home will be forclosed on June 1, 2010. We do not have those funds and are considering short sale or some advice.

_____________________________________________________________________________

—–Original Message—–
From:
Sent: Thursday, May 27, 2010 4:28 PM
To: helpdesk@tila-now.com
Subject: Online Application Information

Name:

Phone number:

State:

Email address:

My situation is: I am an attorney and would like to talk to you about using your service.

_____________________________________________________________________________

From:
Sent: Wednesday, May 26, 2010 11:14 AM
To: helpdesk@tila-now.com
Subject: Online Application Information

Name:

Phone number: State:

Email address:

My situation is: Chase was the 2nd mortgage they paid the 1st off now someone cam to my door and told me that they are her to relocate me HELP

Below are just a few examples of the types of results we get for clients every day at Tila

Loan Modifications & Restructurings:

Perm Loan Mod agreed to:  Step Rate mod starts at 2% in 2010 and moves to 5.25% in 2018 until maturity in July of 2050.  $127,542.71 of the principal balance is being deferred by B of A and interest will not be charged on this amount. Remaining Principal balance of $306,152.73 will be interest bearing.  Regular monthly mortgage payment prior to modification was $3809.58/month.  New monthly payment after mod is $1951.27.

FROM LISA: Thank you very much . Without TILA & Liana I believe loan mod agreement for me would never happen.  Lisa

_____________________________________________________________________________

Dianna G:

Old Terms:  10.750% Adjustable rate interest, $608.00 monthly payment

New Terms:   4.600% Fixed rate interest, $339.36 monthly payment

Lowered interest rate by 6.15%! Changed from Adjustable Rate to Fixed Rate!

Homeowner now current on loan and foreclosure has been stopped!

_____________________________________________________________________________

DOUG  N:

Old Principal Balance:     $161,275.55

New Principal Balance: $156,849.13

Old Terms:   7.57% interest, monthly payment including escrow: $1,729.81

New Terms:  4.68% interest, monthly payment including escrow: $1,567.37

Legal fees and outstanding escrow advances amount waived:   $13,191.59

Lowered Principal balance, lowered interest rate, $13,191.59 of fees waived!

_____________________________________________________________________________

SHORT SALES

JIM T.

Principal loan amount prior to short sale:    $651,111.52

RESULTS:

Short Sale lender Accepted: $447,950 as debt paid in full

Overall debt forgiven:  $203,161.52

Home owner walked away from home with NO outstanding financial liability to lenders.

_____________________________________________________________________________

MARIA D.

Principal loan amounts prior to short sale:  2 Lenders

Senior Short Sale lender: $499,966.69
Junior Short Sale lender: $163,449.09

Results:

Senior Short Sale lender accepted: $365,573.27
Junior Short Sale lender accepted: $    3,250.00

Overall debt forgiven:  $294,592.51

Home owner walked away from home with NO outstanding financial liability to lenders.

_____________________________________________________________________________

Sometimes when you are as effective as Tila Solutions, you get attacked.  Usually by the competition or possibly even by those you investigate (the lenders or their paid attack dogs).   Tila’s results speak for themselves, just look at those permanent mods!  Tila poses a real threat to who have been trying  to take your home!    That is why we are most likely the only firm with an A rating by the BBB.   What is your bank’s rating?  Somewhere between a D and a F-?  Or the competition –will almost always be scoring below a C.  Some have fallen to an F.  Tila restores your dignity and self-respect! Despite the attack dogs, Tila Solutions Saves Homes, lives and families.

You can reach a Tila Solutions Consultant by calling 1 -307 -459 – 0232 or visit their website at  http://www.tilasolutions.com

Dallas, TX – Dr. Samuel Lam, M.D., F.A.C.S., a double board-certified facial plastic surgeon and hair restoration surgeon, and owner of Lam Facial Plastics in Dallas, Texas, will be a keynote lecturer at the XX Congress of the European Association of Cranio-Maxillo-Facial Surgery in Bruges, Belgium. The event, which takes place from September 14 – 17, 2010, offers participants the opportunity to broaden their knowledge and skills in the field of cranio-maxillo-facial surgery. Dr. Lam will be giving a keynote lecture on his philosophy regarding fat transfer, and will also teach a course on his technique for fat grafting.

“I look forward to participating in this year’s cranio-maxillo-facial surgery congress in Belgium”, explains Dr. Lam. “It is a great opportunity to share my philosophy on the topic of fat transfer and its place in the realm of plastic surgery. It also allows other medical professionals to benefit from my experience and expertise in fat grafting techniques through a detailed educational course. By facilitating this exchange of knowledge from medical specialists around the world, all participants of the congress will have the chance to broaden their knowledge base, in medical theory as well as hands-on techniques. That ultimately makes us all better surgeons.”

Dr. Lam offers his fat grafting and fat transfer techniques at his Dallas, Texas facial plastic surgery center, Lam Facial Plastics. He also offers additional plastic surgery procedures, including facial rejuvenation, reconstructive surgery, rhinoplasty, otoplasty, skin resurfacing, laser procedures, hair restoration, and ethnic cosmetic surgery procedures. His medical philosophy, combined with his innovative and effective facial plastic surgery techniques, have earned Dr. Lam the distinction of being a pioneer and leader in the field of facial plastic surgery.

About Dr. Samuel Lam:
Dr. Samuel Lam is author of the international bestselling medical book, “Complementary Fat Grafting”, as well as four other major medical textbooks. He has also written numerous scientific papers and has contributed to chapters in other medical books. Dr. Lam has given over 100 lectures both nationally and internationally, and is a sought-after speaker at many medical conferences and symposiums worldwide. For more information about Dr. Samuel Lam and his practice, Lam Facial Plastics, visit http://www.lamfacialplastics.com .

About the XX Congress of the European Association of Cranio-Maxillo-Facial Surgery:
The XX Congress of the European Association of Cranio-Maxillo-Facial Surgery will take place in Bruges, Belgium from September 14 -17, 2010. The event will offer exposure to a wide range of clinical science, innovative medical techniques and personal exchanges in the field of cranio-maxillo-facial surgery. The congress is celebrating its 20th event, as well as the association’s 40th anniversary. Medical specialists and professionals from around the world will be in attendance. For more information visit EuroFaces.com

Source:
http://www.1888pressrelease.com/fat-transfer/fat-grafting/dr-samuel-lam-texas-plastic-surgeon-keynotes-on-topic-of-pr-236918.html

Forty-ninth state in our union is a wonderland of the lake and the mountains and the rivers and streams. Fly fishing in Alaska is one of the most captivating experiences that fly fishermen can report. In fact, fly fishing in Alaska has become a multi-million dollar industry as anglers flock there to catch prize-winning fish in a beautiful landscape. Where is the best place?

Generally agreed that the Katmai, Alaska is one of the best fly fishing in Alaska. Alaska is a magical place, and the Katmai is one of the most amazing. There are more than 1,000 miles of rivers and streams to fish for prizes such as coho salmon, rainbow trout, and the spear won the award. There are many lodging in parts of Alaska that will provide a guide for you and give you a real adventure to fly fish Alaska! One of the best places for fly fishing in Alaska can be found on Lake Creek northwest of Anchorage.

On this river, you can expect to catch a beautiful king salmon, pink salmon, and rainbow trout. Alagnak River fly fishing another big goal in Alaska. Fly fishing in Alaska known as the abundance of fish. You will have experience beyond your wildest dreams when you’re fly fishing in Alaska. Plan today and fly fishing trip of your dreams a reality – in Alaska!