When homeowners get turned down by the bank for a loan modification, a forensic loan audit is the essential tool to use in turning that around. Banks are not and never have been in the business of helping people; they are in the business of making money. The lender sees no good reason to give you a lower payment just because you are experiencing hard times. They are only interested in seeing the loan they gave you “perform” – which equates to monthly payment made on time.
In many cases, when the lender is reviewing your paperwork to see if they will give you a loan mod, calculations will show that they can make more money at less risk if they do not give you a loan modification. That is usually why you find yourself in foreclosure. The Forensic Loan Review is your most essential tool to show that foreclosure is no longer a money-making option for the bank –imagine if there is fraud – now there’s some risk to the bank!
A Forensic Loan Review or Forensic Loan Audit, sometimes also called a Mortgage Audit is a complete investigation of the loan that the bank gave you. The audit is done specifically to find all the Federal Laws that the lender violated.
Tila Solutions is an Audit Company that investigates loans. If you have a predatory loan, you will need a Forensic Loan Audit. If you feel that the lenders, withheld information from you, rushed you, mislead you or perhaps gave you a loan that could contain fraud, then you need to get your loan investigated. It gives you ammunition to stop the bank in their predatory servicing practices. It helps you get that loan mod you’ve been trying so hard to get.
As you may recall, when you signed your loan documents you heard or saw reference to TILA, RESPA, HOEPA and ECOA. Those laws were passed to help prevent you from getting a predatory loan – which is a loan that consumes you financially, and inevitably puts you on the road to foreclosure. These laws are also supposed to ensure that you understand what you are getting before you sign, and give you a choice to back out. Tila Solutions Examiners review all these Federal Laws that protect you as a borrower.
While Tila Examiners are investigating the loan to see if it complies with federal regulating bodi3s and their guidelines as well as TILA, RESPA, HOEPA, and ECOA they are on the lookout for fraud committed by the banks – and their investigations have shown that the banks are guilty of much fraud over the past decade!
Remember this: A performing loan is a loan that has a monthly payment coming in on time every single month. The lender loves that nice profit with hardly any risk. This is all they want, and you will be their valued customer if you do it. If you are not going to give them their money, then the bank will calculate the risk of modifying your loan against other methods of making money. And you will no longer be a valued customer to them!
And that is why you need to get Tila Solutions to perform a forensic loan audit for you. The bank loses much of its firepower against you and no longer has the ability to travel down other money-making avenues if the loan contains federal violations or fraud. Tila Examiners will methodically go through your loan sometimes producing a report numbering in the 40-page range.
Sadly, some people have been told that a Forensic Loan Review will do them no good! This is absolutely false. Once the Forensic Loan Review is done, something effective must be done with it. Because lenders, who often act like they can operate above the law, will tell homeowners it means nothing and that the homeowner just wasted his money! That is why Tila Solutions offers a free service to help negotiate on your behalf once his investigation is completed. The Lenders push borrowers around and mislead them all the time. Borrowers have to remember that it was these people who lied to him in the beginning, and it is these people who are still lying to him today. Tila Solutions Negotiators work on behalf of the homeowner to make sure that you get your loan modification.
There is a homeowner hotline at Tila Solutions that you can call. Their consultants will interview you and help you identify whether or not you have a need to get your loan investigated because of the possibility that you have predatory loan. They can help you determine if your loan is in need of a Forensic Loan Audit.
If you have been turned down for a loan mod then contact a Tila Consultant. If you are nearing or are in foreclosure, a Tila Consultant can help. They can also help people who are current on their loans or those with investment properties. A Forensic Loan Audit helps with commercial loans as well.
You can call a Tila Solutions Consultant at 1 - 3 0 7 -- 4 5 9 --- 0 2 3 2 .
Visit http://www.tilasolutions.com/ to learn more about a Forensic Loan Review and to learn how to take advantage of the free negotiation service offered by Tila Solutions. The Tila Solution website is loaded with information and solutions.
Tags: foreclosure, forensic-loan-audit, loan mod, loan modification, foreclose, foreclosure, Goldman Sachs, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, forensic audit, subprime, mortgage, predatory loan, mortgage fraud, Loan modificationinformation, short sale, 2 stop foreclosure
By Caroline Taylor
The professionals at Truth in Lending Auditors help homeowners stop foreclosure almost daily. The Tila2 staff work directly with your lender and you to show why it is in the best interest of the bank to give you a loan mod. Often people who come to Tila2 have tried for months on end to get the bank to modify their loan.
Why are the staff at Truth in Lending Auditors able to prevent foreclosure so often? Because they specialize in forensic audits. The first step that Truth in Lending Auditors takes when a homeowner needs to get a loan modification is to conduct a complete forensic loan document review of the loan that the lender gave them.
You may wonder why this is the first step: It is because over the past decade lenders have repeatedly violated TILA, RESPA, HOEPA, and ECOA laws. They’ve ignored guidelines set by the OCC, and they have put people into predatory loans that are now wiping them out. Tila2 personnel have found that the best way to get the lenders to the negotiations table and to bring an end to the burning and churning in the lender’s system while desperately hoping for a Loan Mod that normally doesn’t come is to show the lender what he is responsible for.
When you look at the abounding reports of unfair disqualifications, lost paperwork, completed trial modifications followed by trustee auction dates, and “understaffed” loss mitigation departments, it makes no sense to try to get the bank to lower your payments, drop your interest rate, or reduce your principal without first give the banks ample and compelling reasons. Those reasons are found in the forensics. Homeowners who are tired of being scammed come to Tila2.
Lenders, bankers, news media, government officials, and even competitors warn homeowners away from seeking professional services to help you save their financial life and home. . . Why? It is easier to foreclose when the bank doesn’t have any middle man. And it is always easier to get business for your company if you put out false reports about the competition.
Don’t be mislead. The facts speak for themselves. Tila2 uses forensics and the first and most critical step in getting you the successful negotiations you need. If you are at risk of losing your home to foreclosure, then don’t delay. Get Truth in Lending Auditors on your side.
Much information has come to light that begins to suggest that the banks are profiting from foreclosure. The banks see no profitability in loan mods. The Federal Reserve Bank of Boston released their findings on this a year ago.
Are you still wondering if you should trust the bank’s promise to give you that loan mod? Are you still trying to decide if it is time you got a forensic loan audit? No matter what, the facts speak for themselves. What are the facts of your loan? Most probably the facts are a large number of violations. How can those facts help save your home?
It is probably time you contacted tila2 and took matters into your own hands. Just remember this: The bank wants your money and your home. Take action and give yourself a fighting chance. Get a Forensic Loan Review and let the people at Tila2 negotiate new terms for you with the bank.
Truth in Lending Auditors can be contacted at ( 877) - 625--2419. You can find out more about Tila and Forensic Loan Reviews at http://www.tila2.com/.
Tags: Truth in Lending Auditors, Tila, Tila-now, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loans
In most states, foreclosure is initiated after three payments have been missed. In most states, the beginning of foreclosure is a document known as the notice of default. It will be mailed to the property address, and often nailed to the door of the property as well. In some states foreclosure is judicial – meaning the process has to go through the courts, in other states foreclosure is non-judicial and can be done through a trustee, such as a title company or a foreclosure specialist company. Then there are some states that allow for either method.
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.
Tags: loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, predatory loan, notice of default
By Melanie Atherton
Congress has been working on new legislation that is designed to overhaul current financial regulations. This legislation points fingers in key critical areas across the nation’s economy. Important for homeowners is Congress’s plans to form a new agency to crack down on deceptive mortgages and other financial products in the future. It also aims to better protect consumers, tighten the reins on financial institutions and stop rewarding executives for taking reckless risks to fatten their quarterly earnings and bonuses.
However, while this legislation is looking to the future to prevent another financial collapse and stop deceptive practices, the homeowner is not protected from the banks right now. Every day, the banks are misleading people who are in foreclosure with false promises of loan mods. This is why more and more, homeowners are taking matters into their own hands. They are coming to companies like Tila Solutions who provide complete forensic loan audits and use the results to get the banks to finally approve the loan modification.
One by one, American homeowners have fallen prey to the banks that originally mislead them with their deceptive lending practices, despite the laws that protected the borrowers. Let’s not lose sight of the fact that the banks simply chose not to follow those laws. If they had, we wouldn’t be a nation in foreclosure today. It becomes clear that Congress knows the problems exist otherwise they wouldn’t be forming a new agency to prevent future deceptive mortgage practices. But what does the homeowner who is losing his home do now? Most just lose their homes. But they do not have to. The laws that should have protected them when the lenders issued the loan can still protect them now –if the homeowner will reach out to use those laws. Forensic loan audits will reveal what the bank did wrong and open the doors to stopping foreclosure, and finalizing a loan mod.
So why is Congress turning a blind eye to the banks as they currently lie to and mislead the homeowners? Most often done by offering loan mods to them while foreclosing on those very people they said qualified? And why are the banks continuing to turn people down in record numbers?
Could there be any truth to the concerns that many people have expressed? Tila Solutions has received thousands of calls. The homeowner believed the bank’s “offers of help.” They believed it when the lender said they did not have to address the foreclosure process --that it was just a formality or a way for the lender to stay on top of the file. They believed their lender when he said that they could work directly with the lender and get the loan modified --which would automatically bring the foreclosure to a stop. Sadly, far too many of them found that actually yes, the foreclosure did stop: when the lender auctioned off their home.
What would have happened if a homeowner had known that his lender deceived him with the original loan? Would have been so likely to blindly trust that the lender really wasn’t going to auction off his home (even though the lender’s attorney firm provided him with an auction date) and was going to give him a loan mod? Probably not. Do you think the homeowner would have had the courage and wisdom to get his loan investigated?
Many homeowners are doing just that now. The attitude today is to stop trusting the bank. And it comes as no surprise: Countless forensics audits have been done, and consistently they reveal the same thing: Banks ignored the laws: the violations are found in the loan. Foreclosure doesn’t have to end in a disqualification for loan mod and an auction date. In fact, with the use of Forensic Loan Audits, homeowners are saving their homes? The lender stopped foreclosure because he actually took the homeowner seriously and got him the loan mod.
Forensic Loan Audits has been the only thing consistently saving more homes than any other approach. When homeowners get a forensic loan audit done all the TILA, RESPA, HOEPA and ECOA violations are found and revealed. Fraud is also found in 79% of the loans that forensics are conducted on. When people contact Tila Solutions, they get not only a forensic loan audit, but also a free negotiations service. A Tila negotiator provides the results of that audit to the lender and real negotiations get underway. More homes have been saved from foreclosure with the use of a forensic loan audit than any other way currently known. The laws that prevented deceptive lending practices do exist. They existed at the time the bankers went on a free-for-all, carelessly lending money and misleading homeowners. There is no need to be in foreclosure, The federal laws can help you.
Tila Consultants help countless homeowners each month, determining if there is any way that the federal laws which currently do exist can help bring an end to the current deceptive practices that lenders are involved in. A Tila Solutions Consultant can be found by visiting the website at http://www.tilasolutions.com or by calling 1—307- 459—0252.
Tags: foreclosure, Forensic Loan Audit, Loan forensics, loan mod, Loan Modification, predatory loans, scam, Stop Foreclosure, Tila, Tila Solutions, Tila-now
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
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a research paper written by students over an academic term or semester which accounts for a large amount of a grade and makes up much of the course. Term papers are generally intended to describe an event or concept or argue a point. A term paper is A written original work discussing a topic in detail, usually several typed pages in length and is often due at the end of a semester. There is much overlap between the terms "research paper" and "term paper". The phrase "term paper" was originally used to describe a paper (usually a research based paper) that was due at the end of the "term" - either a semester or quarter, depending on which unit of measure a school used. However, the term has fallen out of favor. Common usage has "term paper" and "research paper" as interchangeable, but this is not completely accurate. Not all term papers involve academic research, and not all research papers are term papers.
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Well, the initial obstacle you face when you have to write a dissertation is about selecting a captivating and appealing dissertation topic. And you know you can’t proceed at all if you haven’t gone through the stage of dissertation topics selection. There could be many reasons such as:
Or you night be facing some other problems other than the above mentioned problems. Whatever the problem you are facing, you have landed on the right place where you will get all the solutions to all your dissertation topics problems.
Tip # 1
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Tip # 2
Next thing you have to do is to find out the interest area of your advisor. He/She would rather be willing to help you gladly since they are also interested in your selected dissertation topic.
Tip # 3
Be careful and attentive that the dissertation topic also interests you. If not so then it is more likely that you lose your concentration and interest in writing your own dissertation.
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This is very important that you select a dissertation topic which gives a solution to a certain existing problem and have effects and significance in the current era.
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If you are doing it for you PhD degree, you may also expand your Masters thesis into PhD dissertation.
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Tip # 10
It also bears fruit for you if you read the dissertations written by other students. The previous dissertations make you aware of a lot of dissertation topics and you can expand those ones further to write your own dissertation.
Although police officers are by no means children, the metaphor of childhood is illuminating. A child who cannot depend on the accessibility and stability of a parent has no freedom to risk or explore. Echoes of this persist into adulthood. Although chiefs may have little or no direct relationship to many of their employees, they are related in the employee's mind. When the chief arrives at the scene of a critical incident it almost always carries a symbolic measure of concern and reassurance that far exceeds the chief's ability to influence the situation at hand. If you want to Buy a Custom Paper on the Research Conducted, you may confidently rely on experience of our essay writers! Conversely, weak leadership or constantly changing leadership raises organizational anxiety and interferes with the accomplishment of real work. I witnessed near revolution in an agency in which the officers felt abandoned by their chief. Whereas the line level sought a vote of no confidence, managers talked about ignoring the chief because it was their agency and they could run it despite him or without him. In another agency, line-level staff sought to bring their concerns directly to the city council and to the media because they felt their leadership no longer understood or cared about their welfare. They perceived their leader to be kind and well meaning, but ineffective and politically powerless in a city structure in which other department heads had the strategic acumen needed to lobby for their own. This nice but ineffective chief left his employees feeling as though they were running their own ship without the authority to do so. His staff spent an enormous amount of time worrying and complaining about their uncertain future, feeling like they were riding a rudderless ship through the turbulent macroenvironment of city hall. The technology of critical incident debriefing exemplifies how dependence can be normalized in the service of the task by honoring the universal human need to depend on something larger than oneself in times of stress. These advances were preceded by a cultural reframing of dependence, a normalizing of the range of psychological reactions to stressful aspects of the job, and permission to both offer and accept a container for the exploration of the individual human experience of traumatic stress. Order our Premium custom essay writing services and get your English essay written overnight! One of the most impressive and moving aspects of a critical incident group debriefing, for example, is the affirmation of team members' feelings for each other. The depth of this intense connection is not openly or directly addressed in daily work because of cultural prohibitions (including homophobia) against the open expression of dependency and affection. Discussing this attachment is reassuring in that the group together acknowledges and reinforces how crucial interdependence and collaboration are to their tasks. Although the drama experienced by field personnel is rarely mirrored in the conference room, the ability to collaborate productively around any task is related to the experience individuals have as members of a group.
Police are a holding environment for society. Society depends on police for basic safety needs and to help manage anxiety about the aggressive impulses of others. Reaction to the Rodney King verdict strongly demonstrated the degree to which some members of society regard police as the source of the aggression they are seeking to stop. The perception that they cannot depend on the very social institution created for their protection constitutes a serious deprivation because institutions are social systems that "function as a collective defense against anxiety". Police institutions serve police employees in the same way by providing a collective defense against the anxiety generated by the job itself. If you need help with admission essay writing or want to get Custom written term papers, do not hesitate to buy services at our site! Adults are ambivalent about dependency because dependence threatens deeply held values of autonomy, independence, and free will and is reminiscent of a primitive, childlike aspect of ourselves. This is especially difficult for law enforcers because of cultural projections about police and masculinity that imprison officers as much as they imprison those who create the projections. When individual officers feel disconnected from their institutions, or the institutions themselves disconnect from society, we see disorder within police departments and the increase of basic assumption activity--particularly fight or flight activity--as manifested by vigilantism, brutality, burnout, labor unrest, and the perversion of authority. Although society has every right to expect police to hold to a higher standard, it is also obligated to provide the support necessary to maintain that higher standard. Neither the dependent needs of society nor the dependent needs of officers can be ignored because of their intrinsic relatedness. The process consultant models the holding environment by providing employees a container in which to learn to understand and manage the social and intrapsychic experiences that are attached to police work: despair, ambivalence, fear, dependence, impulsivity, cynicism, anxiety, frustration, and the ongoing dilemma between the humiliation of passivity and remorse for aggression. Get custom critical essay writing online at cheap price! I work with leadership at all levels of the organization to apply the authority of their role to secure the work environment so that it becomes a safe base from which to take risks. Law enforcement takes risks in order to make things secure. Conversely, things must be secure in order to take those risks.
The way in which group dynamics influences individuals and impacts the exercise of leadership and authority was described by Bion. Bion hypothesized the existence of two levels of group functioning: conscious, rational, task-oriented activity known as work, and unconscious, irrational activity known as basic assumption life. Bion described three basic assumptions seen in group activity: dependence (the shared assumption that groups come together to meet their dependency needs rather than to work); fight or flight (the assumption that groups assemble not to work but to fight or flee from the leader or to get the leader to collude with the group in fight or flight activity); and pairing (the assumption that the group is organized to produce a pair who will save the day rather than require the group to collaborate in the solution to a problem). Turquet added a fourth assumption, basic oneness, in which a group operated as if it were all of one mind, and was all the individual members needed to survive in the world. All of these "as if" states of group activity exist along a continuum ranging from universal and normal to exaggerated and pathological and each has its light and dark sides. Looking for advices with English essay writing? Dependency on the leader, for instance, can be seen in team spirit and group loyalty as well as in the tragic consequences of following a Jim Jones or a David Koresh. Dependency is the predominant assumption in the police culture. This contradicts stereotypical views of police as fighters. Although police do fight, of course, they have pressing needs for job security and their predilection for variety and action is best satisfied within a contained holding environment in which they are well cared for. Holding environment is a term borrowed from family therapy to describe the way in which families manage and contain the emotional aspects of family life. The power of holding environments to contain aggression and minister to dependent needs is best seen in the breech. Even small rents in the holding environment generate major shifts into a fight or flight reaction. Shoring up the integrity of the holding environment, normalizing dependency, balancing individual and organizational responsibility, and linking all to effective police work is a critical task for the organization consultant.
Human beings live and work in groups. Our memberships in groups are reassuring when they address our needs and frightening when they threaten to overwhelm our sense of individuality. We hold memberships in many groups at once--work, family, community, and so on--and those groups may be related, sometimes cooperatively, sometimes competitively. It is axiomatic that one cannot take the individual out of the group or the group out of the individual. Organizations are structured, intentional associations of groups with an agreed-on task. Process consultants spend much of their time working with groups and considering the relationship between individuals, groups, leadership, authority, and task. It is safe to custom essay writing at our site! These relationships are uniquely strained in the police culture because individual personality is so often squashed by the standardization of labor, projections from society, and the pressure to conform and bond together against a seemingly hostile public. Understanding how leadership and authority is connected to group behavior is crucial to organizational diagnosis. Often the police chief or manager who has first contacted the consultant is both the source and bearer of the problems the consultant will address. When working with individual leaders, I look at how group and organizational behavior promotes or impedes individuals from exercising personal or vested authority. I ask myself a number of questions: Is leadership related to the whole organization or to certain segments only? Is authority delegated on the basis of competence or other factors like gender, race, or politics? How clear are leaders about the role and task of the agency and its subunits. How knowledgeable is the chief about these dynamic factors in the agency? What is the relationship between overt and covert, formal and informal leadership? Can new leaders emerge? Are current leaders cut off and isolated? What projections do leaders attract and why? How can such projections be returned to the rest of the organization?
The work of the organizational consultant is psychodynamic; phenomenological; systemic in scope; sensitive to issues of race, gender, and authority; and focused more on process than content and more on group relations than individual personality. The consultant's role is that of participant/observer, not expert. The consultant is a mutual learner along with clients, and not a trainer, although occasional training may be necessary. The consultant is not a meeting facilitator, an encounter group leader, a strategist, a planner, or a therapist, although he or she is much interested in the data of individual experience, particularly anxiety, and he or she uses interpretation as an intervention tool. The work of psychodynamic, process-oriented consultation contrasts significantly with interventions that rely predominantly (and optimistically) on conscious, rational thinking for data about the organization. If you seek help with admission essay writing or want to receive Custom written term papers, do not hesitate to request professional writing help at our site! Such interventions tend to focus on well-defined measurable problems (e.g., productivity) or teach specific skills. They are popular with law enforcement because they resonate with aspects of the police culture that emphasize a nonemotional, nonthreatening, control-based, goal-oriented approach to problem solving. Each time participant/observer consultants contract with a client they must study the new culture they are entering. I learned the value of being a participant/observer when I was a drama student observing people at work. My professor had warned me that bad acting resulted from false and romantic assumptions about the character one played. Great actors, he said, understood that Macbeth roamed the halls of his drafty, ill-lit castle wrapped in a stinking bearskin cape for warmth. His life was both corporeal and cerebral. It was not enough to portray only his tortured emotions. For a drama project I took a job in a Times Square dance hall. I observed firsthand that the work was tedious and that business was conducted according to a stringent unwritten etiquette, violation of which brought censure and social expulsion from the dozen or so female dance partners who represented most of the erotic archetypes from ancient and modern history. This was a big surprise, as I was expecting to find only licentiousness and anarchy in such a wanton enterprise. Get customized critical essay help online at the cheapest price! It was also an enduring first lesson in the benefits of immersing myself in the occupational subculture of the workplace. Years of consulting experience have supported the soundness of that unexpected lesson, especially when the occupational culture is distorted by projections and contains values vastly different from one's own. There is no textbook treatment or classroom lecture that can approximate the information, perspective, and credibility one gains from firsthand observation and participation at the worksite. Officers care more about how many hours consultants have spent riding in a patrol car in the middle of the night than where they earned their doctorates.
Among the skeptics were those who thought that organizational theories based on research conducted in business and industry had limited generalizability to human service organizations (HSOs) such as hospitals, social services agencies, schools, and police departments. Kouzes and Mico, for instance, criticized organization development technology because it was industry specific. They believed industry operated from a simple structural paradigm with profit being a clear quantifiable goal and measure of success. The goals of HSOs, on the contrary, were ambiguous, problematic, unclear, intangible, and qualitative. They described HSOs as associations of spheres of influence and control they called domains. The three primary domains-policymaking, management, and service delivery--each operated by contrasting principles, had different views of reality, employed different success measures, and used various modes of work. If you would like to Buy a Custom Paper on the Research Conducted, you may confidently rely on professionalism of our online writers! They believed organization consultation was best utilized to "create opportunities for people to confront the tensions caused by the interactions of these disjunctive domains". The more complex the organizational task, the more subgroups are inclined to substitute their own group task as the defining goal of the organization. This is a familiar scenario in police organizations where the city council, administrators, and line-level personnel seem perpetually at odds over such issues as the definition of their primary mission, the apportionment of scarce resources, and norms of behavior. These same conflicts extend even to the service providers who argue about the relative importance of the many mandated and optional police services; a far cry from the relative simplicity of profit and loss. The 1980s and 1990s saw a move toward purposefully enlarging the domain of collaboration in law enforcement with the creation of community-oriented policing, which can be described as an effort to widen the collaborative domain between police and citizens by maximizing contact with the community, and increasing communication, exposure, and accountability. Problem definition and problem solving are done conjointly with the consumer or customer of police services. Buy our Premium custom essay writing services and get your English essay written at affordable price! Access to city services is restructured and authority redistributed between municipal departments so that the line-level officer can solve a social or community problem by going directly to another city department for assistance. The experience and expertise of private industry is indelibly stamped on community policing through strategies and concepts of customer service, research and development, and a variety of marketing and service delivery techniques. Such collaborative efforts are not always welcome because the existence of an impermeable boundary between police and community can be reas-suring to both sides. Police are concerned that a coalition with the community will result in a civilian review board and the unwelcome intrusion of uninformed, hostile citizen groups into police management. While most communities welcome community policing, some believe the presence of substations and beat officers in their neighborhood is tantamount to living in occupied territory.
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As with the earth’s landscapes, the mindscapes of professional geographers have reflected the cultures and world-views of its sponsors and audiences. Its status as academic discipline has mirrored the fluctuating fortunes of nations and empires, flowering at moments of societal self-confidence, altruism, or expansionary challenge; relaxing in routine-operational tasks of housekeeping and inventory, textbook writing, and functionally specialized research in times of stability or depression. Essay writing help we offer is authentic and in accordance to your requirements. Active participants in a global community of scholars too, geographers have also negotiated their practices within the reigning scientific paradigms of particular periods. In historical perspective, the changing trends in political and intellectual life have only rarely been synchronous; their complex interplay amply revealed within the career trajectories of individual scholars and texts produced within various schools. One of the most important foci for critical discussions among geographers today has been the history and philosophy of the discipline itself. Far from an exercise in memorizing names and dates of the alleged ancestors, this field has become both ‘contextual’ and ‘critical’. The humanist perspective would focus on ideas in practice, interplay of creativity and context, through various periods, and seek to evaluate the implications of such practices for everyday life and landscape. While academic geography in Europe can be traced to Greek and Roman sources, its institutional origins during the modern period are due to the work of geographical societies, particularly those of the nineteenth century. Custom assistance with book reports for students of all levels! Custom written term papers delivered by professional paper writers! The establishment of geography as university department, however, marked explicit political choices made within national Ministries of Education. The discipline’s agenda would henceforth be harmonized with that of its major sponsor, the nation-state. To this day, with some notable exceptions, the practice of geography everywhere has borne a distinctively national character. The most widely circulated texts on world geography were produced by the major imperial and colonizing nations, projecting the world-views and global ambitions of the respective metropole. For a strident nation on the march, it was exceedingly important that the young be socialized in the ideology and expansionary hubris of the home nation, and that some be trained for the ranks of its military, mercantile, or missionary bands eager to conquer and ‘civilize’ the rest of benighted humanity. The geographer was quite useful for colonial conquest in mapping potential scenarios for the administrative regionalization of newly occupied territory. Early colonizers deemed it wise to pack bibles and catechisms as well as geography textbooks and guidelines for survey and inventory of resources. Later imperialists brought the catechisms of capitalistic resource exploitation.
The communication of insight on the relationships between mindscape and landscape, however, poses the critical issue of language. As Goethe described architecture as ‘frozen music’, so Emerson described language as ‘frozen poetry’. The challenge is one which geographers now share with colleagues in literature, philosophy and art. Benefit of coursework help at this site and purchase your coursework written by professional writer. We are available 24/7! It has surely been on questions of language and power, semiotics and symbolism, that some geographers found the most challenging moment of interaction with structuralists. The deconstruction of inherited meanings, as suggested in the work of Derrida, deliberately sought to reveal the multiple and conflicting readings that could be made on particular texts. In the 1980s, Gunnar Olsson pointed towards modernity’s malaise in human geography: ‘Thing yields to process, stability to change, certainty to ambiguity, noun to verb, being to becoming’. In sharp contrast with the previous generation’s deeply held convictions about epistemological certainty and images of the world as complex mechanism, this voice sought to unmask the extent to which la condition humaine ‘is one of the predicaments lived behind prison walls’.
Walls on the lived landscape remain, for the geographer, one basic focus for examining tensions among conflicting human interests. Landscape provides the visible text in which the competing demands of social, economic, and ecological processes are inscribed. Want to Buy Paper about Research? Beyond its literal (bio-physical and artefactual) content, landscape reveals important symbolic meanings in lived experience. The humanist is therefore keen to understand those ‘invisible’ processes underlying conflicts between the ‘frozen’ landscapes of dole and conservation as well as the technologically transformed and homogenized landscapes of production and consumerism.
‘The humanised landscape’, Vidal de la Blache wrote, ‘is a medal struck in the image of a civilisation.’ Goethe referred to architecture as ‘frozen music’. The visible forms of landscape are the texts which geographers read and seek to interpret. To interpret any living landscape geographers seek to understand its underlying processes. General laws of geomorphology and biogeography help explain why certain parts of the earth are habitable or inhospitable. The actual map of population, land uses, and lifestyles, however, defies any suggestion that the bio-physical environment always determines ways of life. To understand the humanized earth one needs to understand cultural diversity among societies: not only their economies and traditional skills, but also the sense of sacred and profane in their perceptions of nature, space, and time. Successive groups have migrated over time from one area to another bringing their talents, images, hopes and prejudices with them. Characteristically, they try to re-create the new landscape in the image of the past, usually an idealized version of it. Contemporary landscapes have all been formed through the sedimentation of many layers of human occupance. Under the geographer’s gaze, there is nothing static on the surface of the earth.
Far more influential than soil, climate, or culture, are the systems of economic and political organization which hold sway within the human world. Most places are connected to wider-scale interests: markets, administrative divisions of territory, communication and transport systems linking places into networks which transcend local and national boundaries. Virtually anywhere one travels today there is landscape evidence of the ‘global economy’—from airports and TV towers, satellites and stock exchange, to computer terminals, Coca-Cola and pommes frites.
Idealistic approaches to the study of landscape, such as those inspired by Collingwood and others, attempt to reconstruct the geographies of past times, seeing landscape through the eyes of those who lived in them. ‘Every landscape is a reflection of the society which first brought it into being and continues to inhabit it’. Why not, then, ‘read’ every landscape as text to be decoded in terms of the vernacular, the environments of the workaday world? Professional assistance with custom written book reports for students of college levels! Among the strongest voices favouring the ‘humanistic’ turn in geography were those of scholars who already acknowledged the hermeneutic value of landscape interpretation. ‘Our human landscape’, Pierce Lewis remarked, ‘is our unwitting autobiography, and all our cultural warts and blemishes, our ordinary day-to-day qualities, are there for anybody who knows how to look for them’. During the 1970s this genre was indeed revitalized. Landscape seen as the ‘sedimentation’ of diverse forms of discourse allowed room for interpretations of various kinds. It invited enquiry into culturally varying modes of symbolic transformation such as those inspired by Vico or Herder, as well as semiotic enquiry into landscape texts and signs as products in their own right.
In most civilizations there has been an attempt to identify basic elements such as fire, air, earth, and water; Plagiarism free paper can be bought here by qualified paper writers; stories of creation woven around the interactions of these elements. The I-Ching, one of the earliest recorded cosmologies identified five elements: earth, fire, wood, water, and metal. Sixth-century Chinese world views are anchored in four cardinal directions corresponding with the elements, seasons, sensory mood and colour; world horizons depicted in orthogonal zones stretching outwards from civilization to barbarism. While Western cosmologies tell of an original emergence of Cosmos from Chaos through the agency of a transcendent God, Indian cosmologies see a continuous process of ongoing creation, divinity immanent in all aspects of nature and environment. Creation myths are all enacted in geographic terms, the story usually involves an original creation, a fall, followed by a flood, and then regeneration. Noah built an ark into which pairs of living creatures were rescued until the waters subsided; on the Ganges, Vishnu gathered living creatures into the flowing water. An enduring difference between Western and other cosmologies is epitomized in our inherited landscapes and politics. While the West has sought to contain the sacred in cathedrals and churches, power within territorially circumscribed domains, and land-use planning in zones, our Indian colleagues persist in maintaining a more fluid attitude towards life: holiness through ritual bathing in flowing water, intermingling of diverse elements, in the ongoing process of life and death. Land-locked geopolitics rather than hydrological cycle? How relevant could such exploration be, a realist might question, in understanding actual experience today? While pragmatic relevance might not hold priority for many a humanist scholar, the salience of symbolism and belief in shaping contemporary political and economic life could scarcely be questioned. Besides, the humanist would argue, the journey towards understanding the Other is a vital step in achieving critical self-understanding. Ultimately without an appreciation of differences in the cultural evaluation of nature, space, and time, the geographer could scarcely elucidate landscape, one of the central explicanda facing the discipline.
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