Once you have missed a payment the lender is not your friend. Missed payments equal more money for the lender. The more the lender gets, the happier he is. The best way for the lender to get more money out of you is to increase your monthly payment through accrued interest from late payments or missed payments, late fees and penalties. It is a real money maker for the lender. This has always been a fact and all homeowners know it and accept it.
Where the problem currently lies is that the homeowner has been led to believe by both government campaigns and lender lies that the lender is actually going to help him – the homeowner, who has fallen behind. The lender is not going to help you – unless there’s money to be made in it for him. Enough money to make it worth his while – and that means he will actually pretend to help you. In fact, the lender will just string you along with false promises and pretenses for months and months and months, finally you’ll end up in foreclosure and possibly lose your home to public auction.
You, the homeowner have always been nothing more than a loan number to the lending institutions. Sadly, that’s all you’ll ever be. They’re not particularly moved by the fact that your child has special needs, or your mother needs extra care. They don’t really care that your spouse lost their job, or that the home has been in your family for six generations. In fact they have no interest in any of the aspects of your life. The equation is simple: Your money or your home.
What matters is that your loan number has fallen behind and now you are on the very-profitable-for-the-lender road to foreclosure. Soon they will either get a large, normally uncontested “chunk of change” from you-who-represents-your-loan-number, or they’ll get your house – which secures your loan number.
Sure, they have seemingly courteous people on the phone (well some of them do, others use call centers in India or hire brutes to scare, manipulate and threaten you), all who say “stop making your payment and we’ll get you a loan mod,” or “we can’t help you until you are three payments behind,” or we have you in the system for a loan mod, now it will take only 4 months to get you a mod (of course it actually turns out to be 13 to 18 months because they are always losing your paperwork).
Why does a process as simple as a loan mod take so long? Because every missed payment is more money for the lender. Did you know that almost half the homeowners manage somehow to cure their default amount to prevent foreclosure from starting? Sure, but they wiped out every financial resource the homeowner had, and once again, he can’t make his monthly payment!
The homeowner is back in default and on the road to foreclosure in no time at all. Meanwhile the lender made a nice sum and gets to go for round two. The only route left to save the home is bankruptcy – most homeowners think—so they destroy the rest of their credit and dignity in a last ditch effort to save their home. It bought them a bit of time, but it seems the lender still gets the home in the end.
What started all this? Rather, who started all this? It was the lenders themselves. That’s correct, they gave you loans designed to fail. They’ve made billions of dollars at your expense. That’s why it is predatory lending and predatory servicing. Since the day you got your loan you have been preyed upon. You have been told that this is “all your fault,” and the government has “tried to comfort you” with promises of help through President Obama’s HAMP program. That, of course we all know now, is just a great big joke. Most people only give money to the lender for months on end, while none of it goes to their loan, then they get disapproved and foreclosed upon.
And it seems to so many homeowners that everybody is in on their pain for the lender’s gain. Attorney’s won’t take on the homeowner and fight for him when the lender will pay him well to foreclose. Judges don’t really want their courtrooms clogged up with foreclosure cases, so warehouse them through. Lenders ‘warn” homeowners not to get professional help, ‘cuz, well you know, “the lender will help you for free”, yah, sure we all know that lie by now. And saddest of all: politicians are passing laws that prevent homeowners from hiring professionals to help them get their loans modified!
But there is hope, and there is help. Rockingham Associates is there for the homeowner. They conduct forensic loan reviews which reveal all the violations in the loan the lender gave you. They conduct predatory servicing investigations, which reveal all the predatory acts the servicer has committed against you. They use those investigations as the springboard to getting you successful negotiations. Lenders suddenly would rather modify your loan, than deal with investigations.
Homeowners don’t have to stand alone, they don’t have to be abused and preyed upon. They just need a professional on their side and that would be the good people at Rockingham Associates. Visit their website at www.rockinghamassoc.com to learn more about this company and what they can do for you. They are busy rekindling the American Dream. Their goal is to get you complete financial recovery. Consider contacting one of their representatives to begin to unravel your financial dilemmas.
Tags: lender, late payments, default, homeowners, Foreclosure, Loan Mod, Loan Modification, Predatory Loans, Predatory Lenders, Credit Scores, Foreclosure, predatory foreclosure, bankruptcy, Rockingham Associates, Rockingham, borrowers, HAMP, HAMP Program, Obama Plan, Bankruptcies, Predatory Servicing
Despite the mass-media's recent and sudden interest in the subject, the idea that modern Western living produces entire populations of people who are overweight and averse to exercise is also not new. Only this season Research papers online for sale. Get Custom essay service at the lowest price! Unique offer for university students. Indeed, it is an idea that a variety of experts and writers of various kinds have consistently found hard to resist. This is interesting, not least because those who write about the ‘obesity epidemic' often hark back to a quite recent pre-epidemic period. According to these experts, this was a time without televisions and computers when people ate less fattening home cooked meals and did more exercise more often.
Today's 50-60-year-old adult is likely to have walked or cycled to school, played for hours outside the house, was not distracted too much by television, and eventually walked to work - which was probably a manual job. So, any baseline measurements of physical activity or fitness may be misleading, as we know there has been an inexorable decrease in activity levels in all sectors of society over the past 50 years.
Given that children were less sedentary 50 years ago, we believe that by instituting similar lifestyle modifications (watching less TV, eating fewer higher-calorie fast foods, and being more physically active), the current rising physical inactivity and obesity epidemics can be thwarted.
Western culture has a long tradition of suspicious ambivalence towards the process of modernization, with its urban lifestyles and labour-saving technologies, and it is clear the idea that modernization produces 'soft' and under-utilized bodies stretches back much further than the 1950s. Have you ever tried custom written term papers? In concert with what appears to be the almost universal tendency for adults from any period of Western history to see their children as insufficiently physically active, the story of physical decline is, it seems, one we all know. Socrates' often quoted words capture the joining together of these two ideas, such that each generation's allegedly lazy children are seen as a sign that society itself is going downhill.
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PRESS RELEASE
Webster University Grants Honorary Doctorate of Law to Indonesian President Susilo Bambang Yudhoyono
Leiden, the Netherlands, 16 September 2005 -
Webster
University president Richard S. Meyers awarded an honorary Doctor of
Laws degree on September 12 to Indonesian President Susilo Bambang
Yudhoyono. A former military general, Yudhoyono, popularly known as
SBY, graduated from Webster University's campus in Kansas City in 1991
with a Master of Arts in management.
President Yudhoyono spoke
about his country's struggles to obtain democracy, beginning with some
humor: "I come from a country half way around the world: Indonesia.
Around October last year, I got myself a new job: as President of the
Republic of Indonesia. So I hope you find it comforting that Webster
graduates DO get jobs after they leave the University!"
His talk
touched on the similarities and differences in the 230-year-old
American democratic system and the six-year-old Indonesian democracy,
saying that both countries can learn from each other's strengths as
well as from their continuing struggles. "All these lessons are
pertinent for Indonesia as we continue to pursue our own brand of
democratic development. After two successful free and fair elections,
one thing is for certain: democracy has reached a point of no return in
Indonesia. What Indonesia has achieved in its democratic transformation
in the last six years is, I think, no less than remarkable."
He
discussed his views on the importance of democratic governance and
creating strong democratic systems. His speech ended with the question
of diversity and muslim faith being compatible with within democracy in
Indonesia. He said, "A key challenge for Indonesia is no longer how to
become a MULTI-PARTY democracy: it is how to become a solid
MULTI-ETHNIC and MULTI-RACIAL democracy. Given the state of the world
we are in today, this would be true for many other democracies, and
this would probably be one of the keys to harness world peace."
The
ceremony, which took place at Webster University's worldwide
headquarters in St. Louis, Missouri, was attended by elected officials
from Missouri, corporate leaders and faculty, students and staff from
Webster University, and a large delegation from Indonesia as well as
Indonesian diplomats from Washington D.C.
Webster University
President Richard S. Meyers welcomed President Yudhoyono by saying, "It
is with great pride and respect that we welcome Indonesian President
Susilo Bambang Yudhoyono to his alma mater to receive our highest
academic honor. President Yudhoyono is in a remarkable position to
change the world. His strong belief in the value of higher education is
a message we definitely have in common. I am greeting him as an
international leader and a fellow believer in higher education. I know
his Webster University education and experience will serve him well in
the years ahead."
About Susilo Bambang Yudhoyono
Susilo
Bambang Yudhoyono, 56, is Indonesia's sixth president. President
Yudhoyono is the first Indonesian president directly elected by the
people following the collapse of President Suharto's administration in
1998 after 32 years of strict rule.
Born in the East Java
provincial town of Pacitan, President Yudhoyono, who likes writing
poems and short stories, playing music, theater, traveling and martial
arts, wanted to be a soldier even when he was in elementary school. He
entered the military academy in 1970 and was a top graduate in 1973. He
continued his military studies in the United States where, in addition
to his M.A. in management degree from Webster University, President
Yudhoyono attended the Command and General Staff College at Fort
Leavenworth, and trained at the 82nd Airborne Division at Fort Bragg.
His foreign studies also included jungle warfare training in Panama and
an antitank weapons course in Belgium and Germany. He recently received
a doctorate in agriculture from the Bogor Agricultural Institute near
Jakarta.
For the editors:
The
full text of the speeches by Dr Yudhoyono can be found on the Webster
University web site. President Yudhoyono's Convocation Address: http://www.webster.edu/news/curren treleases/sby_convocation.doc , and President Yudhoyono's Remarks at a Welcoming Reception and Breakfast: http://www.webster.edu/news/curren treleases/sby_breakfast.doc . A photograph can be downloaded from: http://www.webster.edu/news/graphi cs/sbyc.jpg
Webster University honorary degrees
Previous recipients of Webster University honorary degrees have included:
Malcolm Forbes, Publisher & Philanthropist, 1984
Carl Hahn, Chairman of the Board, Volkswagen, 1987
Valéry Giscard d'Estaing, Former President of France, 1988
Howard Nemerov, Poet Laureate, 1989
Richard A. Gephardt, Democrat Leader, US House of Representatives, 1993
Eileen Collins, First female Space Shuttle captain, 1996
Simon Wiesenthal, Founder Jewish Documentation Center, Vienna, 1996
Franz König, Cardinal Archbishop of Vienna, 1996
Willem Albeda, Former Minister of Social Affairs, the Netherlands, 1998
George H.W. Bush, 41e President of the United States, 1999
Clark Terry, Jazz musician (trumpet), 2000
Paul M. Kennedy, Historian, 2004
Cees Goekoop, Former Mayor of Leiden, the Netherlands, 2005
About Webster University
Founded
in 1915, Webster University is an accredited, non-profit American
University with 100 locations in ten countries. Currently, there are
20,000 students studying at Webster campuses around the world. Webster
University enjoys an international reputation for teaching and academic
excellence. Renowned for its innovative, accredited educational
programs, Webster meets the needs of students, businesses, and working
adults around the globe.
Webster University in the Netherlands
is one of four international campuses located in Europe. Since Webster
began offering American University degrees in the Netherlands in 1983,
over 1600 students have graduated. Its alumni work for many of the most
prestigious and interesting companies and organizations in the world.
For further information, please contact:
Len Even, Director
Webster University
Boommarkt 1
2311 EA Leiden
The Netherlands
http://www.webster.nl
T: +31 (0)71 516 8000
F: +31 (0)71 516 8001
even@webster.nl
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