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Feb 25, 2009 Garfield = US Fed Government? www.youtube.com ***** update ****** Want some real insight? Look at the third part of DebTruth’s investigation of the Auto Bailout. And watch the other parts to see how it connects… Awesome work!!! Who really benefits from the GM Chrysler Bailout? Part Three – I’m furious!!!: www.youtube.com (Go DebTruth – you are the archetype of a mellowing Rock Chick, and I love it! Rock On Girl!!!) ******************* Fraud squad raids offices of Anglo Irish Bank: www.independent.co.uk Collapse in business investment puts economy into a spin: www.independent.co.uk Murdoch – “We are in the midst of a phase of history in which nations will be redefined.” Chernin Bids News Corp. Farewell: Departure Memos and Details: seekingalpha.com German CDS debt spreads hit record as economy crumbles: www.telegraph.co.uk Ukraine Ratings Cut to CCC+ by S&P on IMF Loan Risk www.bloomberg.com Japan’s exports nearly halve in one year: www.telegraph.co.uk Depression in the east points the way for the rest of the world: www.guardian.co.uk Researchers: 32 Illinois banks at risk for failure: www.chicagobreakingnews.com STATE BUDGET TROUBLES WORSEN: www.cbpp.org American Express pays some cardholders US$300 to close accounts: www.financialpost.com No more water for California farmers (Expect price rises): www.dairyherd.com Nasa rocket crash is big setback to knowledge of climate change: www.timesonline.co.uk Google e-mail crash hits millions and raises fears over …

(1975)Michael Schultz (CAR WASH, GREASED LIGHTNING) directs this refreshing coming-of-age picture, focusing on the lives of two 1964 Chicago high school seniors as they prepare for adulthood. Cochise (Lawrence Hilton-Jacobs) is a basketball star and Preach (Glynn Turman) is his scholarly best friend. Together, with their pals Willie, Pooter, and Tyrone, the boys spend their days running around the city, pulling off an endless string of harmless scams. But when they agree to go for a joyride in a car that Stone (Sherman Smith) and Robert (Norman Gibson) have stolen, their previously carefree existence takes a turn for the dramatic. This also threatens Preach’s relationship with the beautiful Brenda (Cynthia Davis), who he has finally begun to woo. By the time their actions have caught up with them (in the form of the police, as well as Stone and Robert), it might be too late to escape. Schultz’s film, which owes an obvious debt to AMERICAN GRAFFITI (and which also inspired the television series WHAT’S HAPPENING?), boasts an unforgettable vintage Motown soundtrack. It also features a standout ensemble performance, including two sparkling performances by Turman and Hilton-Jacobs in the lead roles. Filmed on location in Chicago, Illinois.

(1975)Michael Schultz (CAR WASH, GREASED LIGHTNING) directs this refreshing coming-of-age picture, focusing on the lives of two 1964 Chicago high school seniors as they prepare for adulthood. Cochise (Lawrence Hilton-Jacobs) is a basketball star and Preach (Glynn Turman) is his scholarly best friend. Together, with their pals Willie, Pooter, and Tyrone, the boys spend their days running around the city, pulling off an endless string of harmless scams. But when they agree to go for a joyride in a car that Stone (Sherman Smith) and Robert (Norman Gibson) have stolen, their previously carefree existence takes a turn for the dramatic. This also threatens Preach’s relationship with the beautiful Brenda (Cynthia Davis), who he has finally begun to woo. By the time their actions have caught up with them (in the form of the police, as well as Stone and Robert), it might be too late to escape. Schultz’s film, which owes an obvious debt to AMERICAN GRAFFITI (and which also inspired the television series WHAT’S HAPPENING?), boasts an unforgettable vintage Motown soundtrack. It also features a standout ensemble performance, including two sparkling performances by Turman and Hilton-Jacobs in the lead roles. Filmed on location in Chicago, Illinois.

(1975)Michael Schultz (CAR WASH, GREASED LIGHTNING) directs this refreshing coming-of-age picture, focusing on the lives of two 1964 Chicago high school seniors as they prepare for adulthood. Cochise (Lawrence Hilton-Jacobs) is a basketball star and Preach (Glynn Turman) is his scholarly best friend. Together, with their pals Willie, Pooter, and Tyrone, the boys spend their days running around the city, pulling off an endless string of harmless scams. But when they agree to go for a joyride in a car that Stone (Sherman Smith) and Robert (Norman Gibson) have stolen, their previously carefree existence takes a turn for the dramatic. This also threatens Preach’s relationship with the beautiful Brenda (Cynthia Davis), who he has finally begun to woo. By the time their actions have caught up with them (in the form of the police, as well as Stone and Robert), it might be too late to escape. Schultz’s film, which owes an obvious debt to AMERICAN GRAFFITI (and which also inspired the television series WHAT’S HAPPENING?), boasts an unforgettable vintage Motown soundtrack. It also features a standout ensemble performance, including two sparkling performances by Turman and Hilton-Jacobs in the lead roles. Filmed on location in Chicago, Illinois.

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The first loan modification that I did was for myself in 2007 and I have been assisting homeowners ever since with this sometimes frustrating process. You absolutely can successfully get a loan modification on your own and anyone who tells you differently has an eye on your wallet. That said, it will be very frustrating, even all-consuming, to try to complete this process on your own.

The lender is willing to work with you and the government even has free loan counseling but your best advocate is someone working on your behalf, not the lenders or for some non-profit. I don’t mean pay a large upfront fee, don’t do that. I suggest hiring a real estate attorney with a small upfront retainer that only charges for success and not submissions.

A good starting point in Illinois is through the free online evaluation at illinoismortgagemods.com If you hire a third party to represent you then you should expect the lender to recognize the third party agreement within 48 hours. The lender should also acknowledge receipt of a full loan modification submission with 48 hours of your providing the third party all the requested documentation. You should contact your lender directly even after hiring a representative (Trust but Verify) and make sure the rep has established a relationship on your behalf and has submitted a FULL MODIFICATION PACKAGE promptly.

Be very alarmed if your representative suggests intentionally getting further delinquent on your mortgage when you can in fact pay. The Making Home Affordable program can provide payment relief for borrowers that have NEVER been late. Lastly, these modifications no longer take that long so 2-4 weeks is now a reasonable response time, if your rep is telling you something different then your file is just sitting in the pile.

The clock is ticking on this 75 Billion dollar government subsidy so don’t wait to apply and get impatient if nothing seems to be happening. This program will end sooner than you think and many homeowners that continue to make their agreed payments are plenty jealous to see others get bailed out while they are on the hook. If you think you might qualify for the generous program then at least do the fee online evaluation. This is the opposite of a normal refinance. In this program- Bad credit is good, low income is better than high income, delinquency is better than timely payments so now you will qualify if you would normally be turned down.

A church deacon, Truman McGill, came to me about modification possibilities after he had already lost his foreclosure hearing and had a sale date 3 weeks away. His servicer was Litton Loan Servicing and they amazingly agreed to stop the sale process once they received a complete modification request with all the supporting documents. Litton won’t hold things up for clients that make half-hearted attempts but this client was motivated and Litton proved sincere. He ended up shaving over 30% off his mortgage payment and was reset to “current” without any makeup payments. Please visit illinoismortgagemods.com to review even more actual loan mods delivered through us. Truman actually lives in Florida (Our Attorney is licensed in Illinois and Florida) but for details on a couple of local mods continue reading below.

A West Chicago man that lost his foreclosure hearing and had a sale date scheduled is still in his home after not making a payment for 24 months! His lender is Countrywide and once I got his file into the loss mitigation department they cancelled the sale date. There are now working on qualifying him for the Making Home Affordable program and he is likely to keep his home. He is capable of making payments going forward but can’t make up the 24 months past due. I have been able to help clients avoid upfront forbearance payments on all my loan modifications so 24 months without a payment is really 24 months without a payment!

A Des Plaines couple came to me seeking a loan modification on their first mortgage even though their lender (West Suburban) didn’t receive any TARP funds and isn’t participating in Making Home Affordable. When a non-participating lender makes a modification they don’t get any offsetting subsidy from the government so it is much more difficult for them to help homeowners out. I was very impressed as West Suburban lowered their 6.25% loan to 4% for 1 year, 5% for second year, and 5.5% for remaining term. This was a good result however it leaves them with a payment well over 31% of their income and is more likely to re-default then loans done within the Making Home Affordable program. The key will be how well the husband does in his new career, if his income rises then this will be a good save.

Home mortgage lenders have never been as willing to work with homeowners on modifying mortgage terms as they are today. That said, if your mortgage lender has filed a foreclosure action against you that means they are fed up with trying to keep you in the home and are willing to assume the legal costs and potential capital loss of taking your home and selling it at auction. The Making Home Affordable “MHA” loan modification program is very powerful and many homeowners are able to successfully apply for this payment relief on their own.

However, if you are past the foreclosure initiation point then it is advisable to hire a qualified Real Estate attorney before it is too late. If the clock is ticking on you then get a free online evaluation at: illinoismortgagemods.com and you will at least learn what options are realistic. Even if you have failed again and again on your own it is still quite possible that you meet the program guidelines and proper representation would turn that No into a Yes.

A good Real Estate attorney with experience in Making Home Affordable loan modification submissions can be retained for as little as $500 upfront with any/all remaining funds due AFTER a loan modification has been offered to you. Do not pay ANY upfront loan modification fees to ANYONE that isn’t an attorney licensed to practice law in Illinois. Retain an attorney and pay for results!

If you don’t Qualify or just Want Out!

Not everyone wants or will qualify for the “Making Home Affordable” program. If your home is worth seriously less than what you owe or you have other non-mortgage debt that is making keeping the home undesirable then there are better solutions for you. The most common other loss mitigation resolutions are: Short-Sale, Deed-in-Lieu and Forbearance. Not keeping the home can mean walking away from the debt, income tax relief and even receiving cash-for-keys! Please submit the same free online evaluation at www.illinoismortgagemods.com or just call them at 630-687-5012.

Almost every lender/servicer cautions homeowners against paying third parties to assist with their loan modification applications. Every participating lender in the Making Home Affordable (MHA) loan modification program is capable of working directly with their borrowers to process these applications without third party assistance.

There is also free government loan counseling help for homeowners that are struggling to work directly with their lenders. On the other hand, many of my clients first tried unsuccessfully on their own and were then surprised at how much quicker and better the results were when I was advocating for their application. I have a Bartlett client that was told he did not qualify for a MHA loan modification by both his servicer (National City) and a government counselor. I was able to get him into the MHA program in less than a week.

I was able to get a Des Plaines client a mortgage modification with Washington Mutual on their rental home in Florida even though rental properties aren’t even included in the MHA program. Whichever route you go, make sure not to pay large upfront fees and that loan modification charges are for obtaining a loan modification not submitting your application. In Illinois, make sure that any upfront fees are for retaining a real estate attorney. If you want to explore retaining a real estate attorney to process your mortgage modification application correctly then use the free online evaluation at:www.illinoismortgagemods.com

The auto industries 3 Billion dollar bucket of money is almost gone and mortgage servicers have really gotten their act together on participating in MHA so even the much larger 75 billion dollar bucket will tap out. There are gotchas within MHA guidelines just like there were with Cash-for-Clunkers but qualifying candidates should come out of it with a payment at 31% of their gross income even if that means a 6 month delinquent borrower gets reset as low as 2% on a 40 year amortization! If you want to see if you may qualify for a MHA loan modification then contact your mortgage servicer, a real estate attorney or use the free online evaluation at: www.illinoismortgagemods.com

Are you having difficulty getting your mortgage servicer to work with you on a Making Home Affordable (MHA) loan modification? The below list of 37 mortgage servicers have committed by signed contract to this program. In addition, all servicers for mortgage loans owned by Fannie Mae and Freddie Mac are required to participate! If your home is in Illinois and you want to investigate whether you qualify for the home loan equivalent of “Cash for Clunkers” then contact a real estate attorney or use the free online evaluation at illinoismortgagemods.com

The MHA program is the first real loan modification program that is making worthwhile modifications whereby homeowners come out of it with a payment they can afford. These modifications are proving to have a much lower re-default rate than previous half-hearted efforts that amounted to not much more than forbearance plans.

Those stingy initial loss mitigation efforts resulted in such high re-default rates that the notion of continuing to modify mortgages at all became in serious doubt. Thankfully, the MHA program came along with a balanced view of lender, investor and finally HOMEOWNER interest in mind. Examine the list of 37 servicers we know are participating.

Your mortgage may also qualify if Fannie or Freddie own it. American Home Mortgage Servicing, Aurora Loan Services, Bank of America, Bayview Loan Servicing, CCO Mortgage Services, Chase Financial, CitiMortgage, Citizens First Wholesale Mortgage, Countrywide Home Loans, Farmers State Bank, First Bank, First Federal Savings and Loan, GMAC mortgage, Green Tree Servicing, Home Loan Services, IBM Southeast Employees Federal Credit Union, Lake National Bank, Mission Federal Credit Union, MorEquity, Mortgage Center, National City Bank, Nationstar Mortgage, Ocwen Financial Corp, PNC Bank, Purdue Employees Federal Credit Union, RG Mortgage Corp, Residential Credit Solutions, Saxon Mortgage Services, Select Portfolio Servicing, ShoreBank, Technology Credit Union, Wachovia Mortgage, Wachovia Bank, Wells Fargo, Wescom Central Credit Union, Wilshire Credit Corp.

Apartments for rent are running more for temporary stay in comparison to hotels and motels nowadays. Hotels always come with huge bills of per night stay and restaurant while there is only one room allotted for stay. If you are planning to stay in apartments for rent then you will get three benefits.

* The first one is affordable and limited rent.
* The second one is wide space with minimum two extra rooms.
* The third is kitchen facility to save the heavy food expenses.

When the apartments on rent are so beneficial then why to spend heavy amount of expenses on the hotels? Hotels are too costly when you are with your family, as you need to book minimum two rooms for accommodation. While in apartments for rent you can stay with your family in a single apartment. An apartment for rent also brings the home feelings which we miss during our vacations. The tourist places are now filled with apartments for rent along with hotels. These apartments for rent are even in expensive than the large hotel bills.

People usually prefer hotels seeing the comforts and location. But let me tell you apartments for rent are also having all comforts and are even better located in the city and tourist attraction sides. Apartments for rent are facilitating with LCD TV, internet facility, washing machine, Dryer and dish washer etc. They are fully furnished and are made up of original wooden floors. Apartments for rent are also having kitchen facility with most of the utensils and oven, stove, pipe line etc. We miss these special facilities in the hotel. Location wise also you will find these apartments more safe and secured. Some of the apartments for rent also give security facility.

Locations like resort places and beaches are mostly found for apartments for rent. It is easy to decide your stay now; you can go online and take the preview of the apartment also. Apartments for rent are categorized as per location and size. You can have a look and book them online. Apartments for rent are always a better option than staying away from city in a hotel which is of waste of money and time. You will feel more comfort, space and relief in the apartments for rent during your vacations or stay rather than hotels. You can find every detail of the apartments for rent online.

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