W I I M* CP A C

0 M * "COHSUMERADVOCACY" In the News

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Frequently Asked Questions

Hover over a question for a preview, or

click for complete Information.

How long will it take before they sell my house?

Is There a Guarantee?

How Will This Cost Me?

Do I Have to Pay Anything Now?

Is Everyone at the Law Clinic an Attorney?

In General, what does loan modification help cost?

Can I Keep My Home if I File Bankruptcy?

If I Sue My Lender Can I Stop Making Payments on My Home?

What Happens If I Do Not Accept My Lenders Settlement Offer?

Donations Contact Us C PAC Download L oan Mod Kit Le gaII

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Credit and Debt Professionals

Featured productsOur Coalition of professionals Volunteers are

equipped to consult with consumers regarding theirView This Presentation to Learn More aboutnon-mortgage debt repair. Some of These programs

include: Consumer Credit and Debt Repair

Debt Settlement Credit and Debt Re air En l ish

These programs assist the distressed Credit and Debt Re air S anish

.Yhomeowner to repair and consolidate their

consumer debt, enabling them to make more

affordable home mortgage payments. The To Contact our Credit and Debt Repair

consumer are directed to work with Professionals, Fill out the form below and

professionals, including attorneys, whose principal objective is to reduce the monthly

payments for the consumer. Real Estate and Mort a e Professionals

CPAC benefits from a Coalition of

Credit Repair volunteer real estate professionals who

are available to explain the options

Homeowners who have completed the loss mitigation may find themselves in need of available to the distressed homeowner.

credit repair-actually repairing their credit scores that were damaged during the hardship

period. Counselors can evaluate the individual's current credit status, their ability to meet

their current obligations and make recommendations regarding credit repair alternatives. Our attorneys are positioned to provide a

Often homeowners are 'in the dark' as to what they can do to reestablish themselves as full service loss mitigation tailored to the

credit worthy consumers-a little counseling can make a big difference homeowner's unique set of needs.

I.R.S Income Tax Debt Negotiations

Many consumers are burdened with I.R.S income tax debt that they may have

accumulated in past years when the economy was great, now not only is the economy

bad, but it doesn't appear to be improving any time soon. Owing the Government back

taxes can be brutal when you handle and repair it alone. CPAC has professionals

volunteers that are Law Firms and Enrolled Agents licensed to negotiate with the I.R.S to

minimize and some time completely eliminate majority of what you owe the I.R.S with out

all the Stress associated with dealing with them on your own.

Donations Contact Us CPAC Download Loan h1od Kit Legal Solutions

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Real Estate Featured Sewepa

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Lender Abuse Information

Why the abuse will continue! When the Fed first floated its Lender Abuse Examples

new lending regulations last year, it did include a proposal to

limit the practice of lender payoffs to brokers, but that didn' tThis is a good example of why

make it into the final set of regulations.Q .tf I ' ,'~ f e f r ~

lender abuse occurs

Bank Fraud. Bank fraud is the use of fraudulent means to Click the Image for full size

obtain money, assets, or other property owned or held by a view

financial institution. In many instances, bank fraud is a criminal \ f O I •

offense. While the specific elements of a particular banking ' • • >h e - • . e OaV ~ P ' ' •

S~ t S r H 4 S S •

fraud law vary between jurisdictions, the term bank fraud ~ a~ O I L • > 4 , ~ t e •

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applies to actions that employ a scheme or artifice, as opposed 'P~ ' ~ M

to bank robbery or theft. For this reason, bank fraud is

sometimes considered a white-collar crime. This is the brother

of Lender Abuse,

Lender/Servicer Claim Abuse

What is Lender Abuse? More and more we are hearing by Patrick M. Mosley, Esq. Law Clerk to Hon. Catherine Peek McEwen

about foreclosures. Why? The abuse will continue! When theRepresentative Cases I. In re Stewart, 391 B.R. 327 (Bankr.

Fed first floated its new lending regulations last year, it didE.D. La. 2008):

include a proposal to limit the practice of lender payoffs to

brokers, but that didn't make it into the final set of regulations.Read MoreOur proprietary Lender Fraud and Violation Detection Report

identifies and clearly categorizes not only the common review

of standard Federal Truth and Lending, RESPA and HOEPA Representative Cases II. Nosek v. Ameriquest Mortgage Co. (In re Nosek), 386

violations, but also helps identify Predatory Loan Origination, B.R. 374 (Bankr. D. Mass. 2008):

Predatory Loan Servicing, Loan Abuse, Consumer Civil Rights

Violations as well as Contractual misrepresentation and Fraud Read Morein a easy to ready (read) comprehensive summary report that

allows CPAC trained and highly experienced staff or the

competent Attorney that prefers to do the work themselves to Reverse mortgages...exploitation of the elderlydraft custom tailored complaints that are case specific NOT a

cookie cutter complaint that may get ignored by opposing We' ve all see the ads for reverse mortgages aimed at elderly

council. If you think you have been a victim of Lender Abuse, persons who have managed to pay off their homes and remain

or any loan malpractices, please contact us to talk with a in them. Here is the part of the advertisement they don't tell

nonprofit attorney, free of charge. you. All of our elderly are at risk of exploitation not only from

predatory guardianships, but also from predatory lender

abuse..."Safe Harbor" Bill May Lead to More

Lender Abuse Read More

Mortgage researchers are objecting to a new bill aimed at

protecting loan servicers, saying the legislation will only pavePROMISSORY ESTOPPEL CASEthe way for more lender abuse...

One of the new forms of lender abuse we have found. We haveRead More discussed certain issues that has been raised by one client

right now.....(LIM, Chanrotha) wherein the current lender

refused/denied the homeowner modification of their loan

because they were current with the mortgage.....

Read More

For Free Legal Consultations with a non-profit attorney, Click here

You may also contact us toll free at

1-866-773-7864 to set an appointment for consolation or if you would like more

information lender abuse

Donations Contact Us CPAC Download Loan f10d KIt Legal S0Iutions

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Help Fight Foreclosure With Your

Payments or Contribution

Families with small children and the elderly are being

displaced and are also becoming homeless due to wrongful,

even illegal foreclosures. More and more public awareness to

lenders' illegal foreclosures are being admitted by the big

lenders themselves.

Families with small children and the elderly with less than

adequate living conditions, shelter or food are being overlooked.

Meanwhile Wall Street and the banking tycoons receive literally Why am I Contributing or purchasing ProductsBillions of your tax dollars to buy up other banks' loans and from CPAC (DE)?

receive big lavish bonuses, vacations and cash reimbursements

for helping only an insignificant number of folks with voluntary Watch the videos below for more information on the horrors of the

loan mods. foreclosure Holocaust facing families and families with children facing

Your contributions, gifts, purchases and retainer paymentsforeclosure in America.

will go towards modestly priced products and services to help

you as well as other less fortunate families with children and or Maxine Watersthe elderly either for post foreclosure support or for the use of

loan modification bluesthe American court system to make a political statement. It can

To View Video

help you and help families with small children and the elderlyClick Here

stave off foreclosure through civil litigation or other consumer

protection products or services.Homeless Children

Contributions to CPAC (DE) at this time are not yet tax "This story was filmed in my classroom"deductible but are very much helpful and appreciated.

To View Video

Click Here

Activists Help Homeless Families Shop

Around for Foreclosed HousesFor your privacy and protection all payments,To View Video

purchases and contributions are processed through a

third party (PayPal). Click Here

Your Contribution Receipt, including your transaction

ID, will be E-Mailed to you upon confirmation of

processing by PayPal.

For any questions or more information about us or

your contribution to help families with children and the

elderly facing foreclosure, please feel free to use the

CPAC contact data below at any time.

Payments/Contributions

Donations Contact Us CPAC Do4nload fTaPW'to 8 Kit Legal Solutions

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Download Page

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