Foreclosures in Montana

Though many people have gone through the process of a lawsuit, most aren’t aware that applying for a lawsuit loan, or cash advance on the lawsuit, can help get them through the hard times!

Imagine this scenario; you’ve had an exhaustive day at work, and your family waits for you at home. You’re stopped at a red light and an eighteen-wheeler rear-ends your car. You’re injured, rushed to the hospital, and out of work for months. Your attorney files a lawsuit against the trucking company and promises you have a good case…you just need to be patient.

But what happens if you can’t? As the sole bread winner, your bills are piling up, the credit card is at its limit, the mortgage payment is due, and Christmas is right around the corner. You need money immediately. That’s where a lawsuit loan can help. A lawsuit loan is structured for people who can’t afford to wait for the defendant’s insurance company to settle.

Insurance companies are in business to make money and bank on the fact that desperate plaintiffs will settle early. That is why a lawsuit loan is a critical solution to those in need. Better yet, the concept of the lawsuit loan is gaining ground and acceptance with attorneys.

If you have you’ve been in an accident, were a victim of a slip and fall, filed a workers compensation claim, or were injured by a faulty product, chances are you have an attorney working hard to settle your lawsuit. Don’t wait…a lawsuit loan can be your salvation.

For more information visit http://www.OasisLegal.com.

With a strong creative writing background, Lisa Colangelo has spent years in the marketing department at Oasis Legal Finance. Through writing press releases, articles, newsletters, web site copy and other creative pieces, Lisa continues to inform the corporate and private sector about the benefits and importance of litigation financing.

In the last few years the real estate title industry has been in the news a lot more and usually it is not because of the good things they are doing. Most of the news has revolved around the illegal kickbacks and gifts they are giving to brokers in return for more business being sent their way. The latest story is from Washington and involves homeowners suing title agencies for providing illegal gifts to brokers and passing on extra charges to the customers, http://seattlepi.nwsource.com/business/289185_title19.html. These stories have become far too common and in the Internet age it is only a matter of time before anyone who is in need of title insurance will be able to find similar stories. Because of the increased knowledge title insurance providers should take heed and change their ways. There is no way to hide this information from consumers and those title companies who are engaging in these illegal practices will pay the price and rightly so.

Before I go any further I need to discuss exactly what Title Insurance is. Title Insurance is an insurance policy to guarantee your ownership against claims, liens or judgments that might arise after your purchase or loan has been completed. Title insurance providers research and certify ownership of real estate before it is bought, sold or refinanced. They search state and municipal public records for the property and persons in the transaction. The investigation is thorough and complete. The title company will notify you and your attorney or lender of any claims that may challenge your ownership or the new loan on the property. Title insurance is a requirement in almost every state in the US and it serves to protect lenders and homeowners against losing their loan or home due to title inaccuracies or deceit.

The problems arise when title companies attempt to buy their business from real estate brokers, attorneys, and/or mortgage brokers. The practice of giving gifts and kickbacks in return for additional business is illegal in every state but many title companies ignore this. This practice has been ingrained in the title industry and the fact that customers were unaware of it has made it highly profitable and difficult to discover. That is until recently. Customers are becoming better educated on the closing process and in turn what title insurance is and how much it should cost. One of the biggest reasons for this is because of the increased availability of information because of the internet. Consumers now have instant access to all the information they want with a couple of clicks of their mouse. Title companies can no longer hide what they are doing from their customers.

In the past most consumers were unaware that they could choose their own title insurance company and instead used the company that their broker or attorney recommended. The fact is that this is just a recommendation and customers have a right to choose who they want to use for their title services. Armed with this knowledge customer have the ability to shop around and find the best price for their title insurance. When looking for a title service customers need to ask for a detailed breakdown of all fees and charges from each company and determine the best price. If a company refuses to give this information or try to tell you it is an estimate and the price may change at closing they are obviously hiding something. These companies should be eliminated immediately. Once the information is obtained from a number of companies the customer should review everything and choose the company they feel most comfortable with. And remember some brokers and attorneys rely on gifts and kickbacks so they may try to convince customers that they can’t choose their own title company or otherwise try to steer them away from the customer’s choice. If that happens they should look closer at the broker or attorney who they are working with because they are being less than honest about this. The customer can have all of the power if they properly educate themselves.

As more and more problems are being exposed in the title industry space is opening up for companies who are willing to change the way the title industry works. Companies like myClosingSPACE (http://www.myclosingspace.com) are trying to change the way consumers view title insurance and closing services by offering services directly to the consumer. They do not rely on leads from brokers or attorneys and as a result they do not need to rely on kickbacks to get increased business. Their goal is to educate the consumer and give them the lowest possible rates and they can do this because they are not adding junk fees to cover the cost of gifts and kickbacks that other title companies have. My Closing Space offers flat fee charges for title and settlement services and the quote that is received on the website is what the consumer pays at closing, there are no hidden charges that pop up during the closing process. What you see is what you get.

As the title industry gains more and more negative exposure title companies who are trying to change the way the business works will see more room for themselves in the market and this will greatly benefit consumers. When consumers are shopping for a home, mortgage, or even a refinance mortgage they do plenty of research to get exactly what they want and title insurance & closing services should be no different. It could mean the difference of thousands at closing. The internet helped consumers find new alternatives when it comes to mortgages and as they become more educated they will realize that they can save a significant amount of money by learning about title insurance and shopping around.

Mark Pilatowski is a title industry insider and has followed the litigation surrounding the title industry for the past few years. Because of the problems with other title companies he joined the team at http://www.myclosingspace.com. My Closing Space offers Title Insurance and closing services direct to the consumer without the junk fees and kickbacks that other title companies charge.

Peter Bill, Editor of the Estates Gazette as well as 7 others experts in UK Commercial Property investing have teamed up to talk about how to successfully invest in UK Commercial Property.

Fiona Goldman recently interviewed Peter Bill, editor of the Estates Gazette.

Asking Peter Bill what his thoughts are on the future of the UK Commercial Property Market gives any prospective commercial property investor a real insight into where the UK market is heading in the next few years.

Fiona asked Peter “Would you say Great Britain is still a buoyant market to invest in with regards to property”

Peter replied “Yes I think it is, as we speak I think its been buoyant now for 8 or 9 years.

Is it slowing down? This we keep saying it’s going to but every year it keeps going up. If you can imagine a very tall glass filled with water on one side of the table and a very short glass filled with water on the other side of the table. The small glass for the amount of property that there is in the world and tall glass for the amount of money chasing it. At the moment there is probably 10x as more water or money as there is to property to buy. So there’s a massive over supply of money to property at the moment so that’s what has been driving it and will continue to drive it, its completely globalised now.”

This is great news for any prospective commercial property investor be they novice, intermediate or advanced investors in residential or commerical property investing in the UK.

To emphasise the benefits of investing in the UK Commercial property market right now, Stuart Law, founder of Assetz Finance, mentions his experiences in UK commercial property investing and why he thinks now is the time to invest in the market. Stuart say “Commercial property could also be new built student halls which are carved up into individual student apartments. That’s a particularly low hassle and a longterm investment and that’s generally high income as well. With commercial property, there really is two ways you can go in. You can go into commercial property by sector, so retail, shops, etc, offices or industrial. But another way of looking at is, whether or not the property is tenanted or untenanted, its very important to understand that with commercial investment its not been done before, but when you buy a property with a tenant in place, you’re paying a premium for the lease. The lease is the promise to pay, each year, four quarterly payments of rent. If you buy a building with out that promise and without that tenant in place, then you are just buying bricks and mortar. And when you buy bricks and mortar with a lease, you pay more.”

Issues such as taxation are important to consider when investing in uk commercial property. Amir Saddiq founder of the Property Tax Portal says “Say somebody purchased a property for £50,000 five years ago and its now worth £150,000 which is quite feasible, they may well have to report property values and they maybe liable to pay tax of upto 40% on the £100,000 profit. They have only got 25% left of equity on the property but they could have tax liablilitys as high as £40,000. So there the kind of areas that Daniel Feingold iin particular would start to get involved as he could help restructure people’s assets and give them the development advice they require”

Daniel Fiengold head of a leading independent tax consultancy in the UK, called Strategy Tax Planning said “Correctly structured, tax is only 22% in the UK. If you borrow to acquire a property you can offset the interest so it starts to slide down from 22% so a lot of people are effectively paying something like 10 or 11% tax on their rental income which is obviously a very attractive rate, a very low rate and in addition paying no capital gains tax. It provides a very, very exciting investment opportunity for them but its all about getting the right structure from the start. If someone comes to me saying I’ve bought a property then alarm bells normally ring but if someone comes to me saying I’m looking, I’m considering, I’m about to, then its normally the point at which I can give the right advice and get them in a position to minimise their UK tax liabilities.

Copyright 2006 Invest UK Publishing

Jason Cohen has interviewed exclusively Peter Bill of the highly respected Estates Gazette and Stuart Law of Assets Finance and Amir Saddiq and Daniel Fiengold of Propety-Tax-Portal as well as many other commercial property experts for the UK Commercial Property Investing Training Course which reveals over 4 hours of audio, the best ways to invest in UK Commercial property even if your a novice, intermediate or advanced property investor.

Illinois foreclosure listings represent the fourth highest in the country. California is at the top of the list with 32,500 followed by Florida with approximately 27,000 listings and Colorado at roughly 11,000 filings. Combined with Illinois, these four states account for 52% of all homes in foreclosure nationwide.

The staggering foreclosure rates in Illinois prompted Governor Rod Blagojevich to file amendments to HB 4050, the Illinois Predatory Lending Database Program. HB4050 protects consumers fight predatory lending practices by shifting focus on the lenders who offer non-traditional types of loans.

Under the proposed rules for HB 4050, Cook County first time homebuyers and owners opting to refinance their primary residence will be recommended for financial counseling if the loan they are considering contains any of the following provisions:

* Permits interest-only payments;
* Allows payments that results in negative amortization;
* Total points and fees payable by the borrower exceed 5% of the amount of the mortgage;
* Approval of the loan relies on the stated income of the borrower;
* A pre-payment penalty is included; or
* The financing transaction includes a second lien on the property, often known as an 80/20 loan.

HB 4050 main purpose is to alert consumers that subprime lending practices can lead to financial ruin. Todays housing market focuses so much on the credit history of the homebuyer, and with some homebuyers who have had past credit issues, spotty employment or not enough funds for a down payment — some lenders have gone to great lengths to get their business. However, this practice is costing the same homebuyer way more than they can afford - without them even realizing it. By enacting HB 4050, these same homebuyers will be instructed and informed regarding the types of loans available, the type of loan they are considering and what it means to their financial future. Many of these items are not currently provided by the lenders who practice subprime loan lending.

Luckily, Governor Blagojevich has an eye on his Illinois homebuyers and the lenders who serve the Illinois residents. Currently, HB 4050 is in the pilot program phase and is being piloted in Cook County. Illinois residents outside of Cook County should expect to see it offered to them also in the near future. The governors’ mission is to see the Illinois foreclosure listings numbers drop and this is a great start to realizing that mission.

Bob Smith is a freelancer but regularly writes for ForeclosureListingsNationWide.com. You can get more information on Illinois foreclosure listings at http://www.foreclosurelistingsnationwide.com.

Perhaps you’ve seen ads for “total debt elimination” and wondered what it is. Well, never forget the old saw: “If it sounds too good to be true, it probably is.” That’s certainly the case here - the kind of debt elimination where slick sales copy or a fast-talking salesman contends you don’t really owe your credit card debts is quite simply a scam designed to part unwary, gullible consumers from their hard-earned cash.

Credit card debt is paralyzing millions of Americans today and sadly, thousands fall prey annually to scammers promising they possess a “secret legal loophole” that forces creditors to forgive their debts without repayment. The so-called secret is special wording used in letters that consumers send to their credit card banks disputing their bills. Of course, the price of these “secret words” is often quite steep, with fees up to $5,000 or more.

Before you trust anyone but a bankruptcy lawyer to help you erase your debts, please do a little research. You will find this “no money lent” method not only doesn’t work, it backfires badly. Creditors have all seen these letters before and react swiftly and harshly to this ridiculous tactic. Think about it for a moment - the economy would collapse if this “secret” were legitimate!

So instead of using what little money you had to pay off your debts, you’ve thrown away hundreds or thousands of dollars to learn a bogus “secret,” and now all of your creditors are suing you. You’ve only made a very bad situation worse, requiring legal representation for repeated court appearances with your various creditors’ attorneys. This translates into potential wage garnishment, repossession of vehicles, foreclosure, i.e., a laundry list of financial disasters for the desperate debtor. Great results, right? Then why do so many people fall prey to this scam?

Probably one of the main reasons is a popular method used to promote it - MLM, or multi-level marketing. Often a friend, neighbor or relative will approach you with a sensational-sounding “amazing discovery of a foolproof method of totally eliminating their debts” and want to share it with you before the price goes up/the Feds crack down/etc., etc. The only amazing aspect of this is how many normally intelligent people fall for the outrageous hype.

Here’s the plain truth. Legitimate debt elimination involves payment in full (on your own or via credit counseling and debt consolidation programs), bankruptcy (increasingly difficult since new bankruptcy legislation was passed in October 2005), or haggling with your creditors to reduce the balances due by 50% or more (debt settlement). Which option is best for you depends on your financial situation. In other words, true debt elimination IS possible. You just have to use the right approach. Don’t be fooled by the scams and be sure to thoroughly research any company you do business with before signing a contract or paying any fees.

Charles J. Phelan has been helping consumers become debt-free without bankruptcy since 1997. A former executive with a national debt settlement firm, he created the Debt Elimination Success Seminar™, a 5-hour audio-CD course that teaches consumers how to choose between debt relief options based on their personal situation. The course focuses on do-it-yourself debt negotiation w/ personal coaching offered. More Info: http://www.zipdebt.com

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