United Finance Group
United Finance Group |
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Request Loan Help A Forensic Mortgage Audit is the comprehensive review of all your loan documents and other evidence pertaining to your home loan. A Forensic Mortgage Audit identifies any illegalities performed by the lender in conjunction with the mortgage. During the audit process, skilled professionals review all documents and communications received from your lender to find violations of your consumer rights.  The Loan Modification Program is designed to achieve affordable and sustainable mortgage payments for borrowers and to increase the value of distressed mortgages by rehabilitating them into performing loans. Absolutely not! The fact is, the lender doesn’t want your house. What they want is for you to pay your mortgage, and if they can help you do that, many lenders will.
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What Does Bankruptcy Mean ?In most cases, bankruptcy is the absolute last resort in the process to save your house. Nevertheless, in certain circumstances this may be the only viable alternative for your clients. If United Finance Group completes our analysis of your financial situation and we determine a Loan Modification is not a viable solution for your unique circumstances, we may recommend this as an alternative to get you the protection you need.In its most basic form bankruptcy is a consumer protection law. It is a federal process which allows consumers to have their qualifying debts forgiven. The law recognizes that bad things sometimes happen to good people, and consumers sometimes simply do not have the ability to comply with creditors' repayment demands. California bankruptcy laws are based on forgiveness rather than punishment. Bankruptcy does not seek to deter or regulate certain behavior as other laws do; it simply recognizes that there are sometimes circumstances beyond the consumer's control which can only be addressed through the cancellation of debt. Filing for bankruptcy puts into effect an automatic stay, which stops creditors from trying to collect any debt from you. The automatic stay immediately stops creditor phone calls, collection letters, wage garnishments, lawsuits, bank levies, and all other types of harassment, intimidation and scare tactics by creditors. Once a bankruptcy case is successfully completed, the consumer receives discharge information from the Bankruptcy Court. A Discharge is a legal release from debts. Creditors are left with no legal cause to contact you or pursue debts listed in the bankruptcy documents. There are two common ways for the typical consumer to file for bankruptcy, Chapter 7 and Chapter 13 . Chapter 7 is the most common type of bankruptcy. It allows a consumer to discharge debts completely through a relatively short process. Chapter 13 is a federal debt consolidation plan which allows you to rearrange your financial affairs and repay just a portion of your debts. In most cases, the idea is to allow you time to get back on your feet. If United Finance Group cannot file your Bankruptcy, we will be happy to refer you to our network of experienced and quality Bankruptcy Experts who can handle your issue. |