Part 1- Intercepting and Preventing Foreclosure A Facts Based Solution Approach

In Suits at common law, where the value in controversy shall exceed twenty dollars, the right of trial by jury shall be preserved, and no fact tried by a jury, shall be otherwise re-examined in any Court of the United States, than according to the rules of the common law.

- Amendment VII of the United States Constitution

Deciphering Options

Mortgage refinance, Second Mortgage or Equity Line of Credit

Familiarize yourself with the 4 C's in Lending

1- Credit- Since the subprime collapse Banks have tightened their lending guidelines: 700 FICO = 20% down payment or 80% LTV

660 FICO = 40% down payment of 60% LTV 2- Capacity to repay the loan- In order to qualify for a mortgage for which the lender

requires a debt-to-income ratio of 28/36: Max DTI should not exceed 45% example:

Yearly Gross Income = $45,000 / Divided by 12 = $3,750 per month income. $3,750 Monthly Income x .28 = $1,050 allowed for housing expense. $3,750 Monthly Income x .36 = $1,350 allowed for housing expense

plus recurring debt.

3- Collateral – Does your home have equity? How much are the recent comparable sales in your area? Loan To Value (LTV)is a mathematical calculation which expresses the amount of a first mortgage lien as a percentage of the total appraised value of real property.

For instance, if a borrower wants $130,000 to purchase a house worth $150,000, the LTV ratio is $130,000/$150,000 or 87%.

4- Capital- is defined as wealth such as money or property accrued by an individual indicating the amount of money you have saved to cover the down payment or closing costs and includes: Checking and/or Savings Accounts, Insurance Policies, Gifts, IRA, 401k, stocks, proceeds for the sales of existing property, real or personal.

Forbearance Agreement, Loan Modification

Forbearance is an agreement between lender and you that reinstates thedelinquent loan through the payment of a lump sum or scheduled paymentsover a period of time.

Loan Modification is a change in any of the terms of the original note. Thisincludes lowering the interest rate, re-amortizing the remaining balance,extending the term of the loan, or other options (at the lenders discretion) toassist you through a temporary setback.

Ask yourself these questions:

- How can you afford one more payment plan taking into considerationwhy you became delinquent to begin with?

- Would this eliminate long term home loss?

- Do I owe more than the house is worth?

Sell Your Home, Short Sale, Deed in Lieu of Foreclosure

Selling your home as option? Now this gets even better.... whose buying ata time right now? Only “Investors” with a ton of CASH are. For regularfolks like you and me who depend on one or more of the following: a fixedincome, retirement benefits, help from other sources, WOULD never haveaccess to an abundant supply of Bank Repos, Auctions and other too goodto be true home prices that could have been our home originated with asustainable fully amortizing 30 or 40 year fixed rate mortgages.

Deed in Lieu of foreclosure is a voluntary conveyance of title to the lender.In short, you lose your home.

Giving up your home because of regular unforeseeable events ( Job loss,health issues, etc.) is one thing......being subject to Breach of Fiduciary Duty, Deceptive business practicesand outright mortgage fraud is another.

Revelation

Using all the information you have acquired determine the following:

Your TRUE Debt to Income and Loan To Value Ratios...

...then ask yourself this:

Did I meet the minimum requirements for bank approval on my current mortgage?

“Too often we excuse those who build their own lives from the shattered dreams of other human beings”

- Sen. Robert F. Kennedy

We Hold These Truths Be Self Evident

2008, Ontario, Ca. http://youtube.com/watch?v=jmeHiFZUWtE

Loss Causationhttp://www.brillig.com/debt_clock/

U.S. NATIONAL DEBT CLOCK

The Outstanding Public Debt as of 25 Jun 2008 at 09:27:49 PM GMT is:

The estimated population of the United States is 304,241,474so each citizen's share of this debt is $30,832.81.

The National Debt has continued to increase an average of$1.38 billion per day since September 28, 2007!

Concerned? Then tell Congress and the White House!

For Victims of Fraud Waste and Abuse

2 Options that go hand in hand to STOP foreclosure. Anarduous task which require you to learn and be prepared to helpthose in need. This will be your personal test of Faith. Faith inyourself, standing up for what is right, Faith in our Governmentenacted for the people and by the people and lastly Faith inGod for giving you this opportunity of a lifetime to make adifference for your neighbor.

1- Holder In Due Course Doctrine http://www.businessweek.com/magazine/content/07_50/b4062028776327.htm?chan=magazine+channel_news

DEMAND THIS: Show me the NOTE !!!

The complexities of Mortgage Securitization cast a shadow ofdoubt on who has the legal right to Foreclose.

Subprime Derivatives

http://youtube.com/watch?v=0YNyn1XGyWg

Forensic Mortgage Auditing http://avenue-s.us/services.html

“A tiny error made (even innocently) by the lender may be grounds to STOP Foreclosure”

Know your Rights, Know your Options!!!

Do not refinance to get out of a loan you cannot afford to begin with. Do not walk away. Stay in your home.

Arm yourself with knowledge and turn this arduous task into a privilege of a lifetime.

FIGHT BACK!!!

Flash Fraud Alert

Beware of Foreclosure Rescue Scams !!!

You need to be extremely cautious of any claim offering to lower yourmonthly mortgage payment while also promising that in a short timeyou can own your home free and clear of any debt. The con artistclaims to offer or arrange for a new loan but instead tricks thehomeowner into selling the home to the con artist or a third party andagreeing to either lease the home back or purchase it back on a landcontract. The con artist or third party will pay off the existingmortgage or take out a loan. If the scammed homeowner lived in thehome for a number of years, he or she likely built up and issurrendering significant equity. Equity is the market value of the homeminus the value of all mortgages and other liens on the home. The conartist now owns the home and has stripped or taken the equity out ofthe scammed consumer's home.

Z E R O F R A U D T O L E R A N C E A V E N U E S

Mortgage Document Auditing Services

We report all suspicious activity to the following:

FBI- White Collar Crimes Supervisor (Mortgage Fraud Division)IRS-CID (Internal Revenue Service- Criminal Investigation Division)Los Angeles County District Attorney's Office Bureau of Investigation Major Fraud DivisionDepartment of JusticeDepartment of CorporationsDepartment of Real Estate EnforcementOffice of Real Estate AppraiserFederal Trade CommissionOffice of the Federal Housing Enterprise Oversight- HUDYour Lender's Regulatory Bank (OCC, OTS, FDIC)

What we offer:

Forensic analysis of your mortgage loan documents for fraud and predatory lending.Consumer education and assistance in report preparation.Refer you to an Attorney with the highest level of Integrity, Empathy and Affordability.

We do not:

Negotiate a Short Sale with Client's current mortgage lender.Negotiate a Deed in Lieu of Foreclosure with Current mortgage lender.Attempt to negotiate a modification of Client's current mortgage loan including but not limited to reduction in principal balance, reduction in interest rate, reduction in monthly payments, re-amortization of loan for longer term.Provide Legal advice, only your Attorney can represent you in a Court of Law.Give any guarantees whether expressed or implied.

We are not:

A mortgage elimination CompanyA law office or credit repair facilityLegal professionals nor claim to be

Avenue S Forensic Mortgage Loan Auditing

http://www.avenue-s.us http://avenue-s.info(661)860-4978 (661)860-4950