The Need For A Forensic Home Loan Audit

By Nikki Vaughn

A Forensic Loan Audit is a comprehensive loan fraud/predatory lending investigation report which will identify infractions and violations committed by your lender and/or broker when they originally funded your loan. Obtaining an audit should be the first step on your quest to successfully modify your home loan. If you are behind on your mortgage payments, facing default or foreclosure the audit is a critical tool that will be used as leverage to argue your case with your Lender(s). Again, it will highlight the laws that were broken, if any, by your broker or by your lender.

According to Marc Bonanni, Attorney for Consumer Debt Advocate ( ‘We now perform a comprehensive Predatory Lending analysis on every client coming through our door who is also looking for a loan modification. In almost 100% of the cases, we find violations in *RESPA, *TILA, and in some cases, egregious *Article 32 Predatory Lending violations.” [RESPA = Real Estate Settlement Procedures Act. TILA = Truth-In-Lending Act. Article 32 Predatory Lending = This law is devoted to identifying certain high-cost, potentially predatory mortgage loans.]

You are not alone in this Nationwide financial crisis. Times are extremely tough for millions of homeowners like you and thankfully there many active laws and consumer groups to protect you. If you are having trouble paying your bills, your income can not support monthly expenses and ultimately are unable to make your mortgage payment(s), the good news is the Federal Government and Credit Industry established Loan Modification Services that will provide relief needed to keep your home. The main goal of a Loan Modification is to stop the foreclosure of your home. Foreclosures do not help or benefit anyone, not even your bank. An Attorney and/or Law office that specializes in loan modifications and debt negotiations is your best option to assist you in this process. An Attorney can make your Lender act on your case in your favor, and a forensic loan audit can only help to successfully restructure your loan.

What is included in my Forensic Loan Audit Report?:

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— Results report of all factual findings of the forensic audit

— Ant and all applicable federal law violations

— The real terms of your loan

— Outline of hidden fees and/or commission earned by your broker and/or lender

— A complete assessment so you can pursue possible legal claims against your broker and/or lender

Loans with illegal terms or conditions are not enforceable. Foreclosures resulting from illegal loans are also not enforceable. The foreclosure process is stopped when litigation on a questionable loan begins. Mortgage payments are not required during the foreclosure or litigation process. Lenders will choose the most rational and fiscally sensible response when presented with the legal facts. When facing their legal options: modifying your loan, foreclosing your home, paying some high-priced attorneys to litigate, or risk stiff federal fines and penalties, many lenders will choose Loan Modification as the most financially sensible option. Don’t wait, time is of the essence.

About the Author: Nikki Vaughn is a seasoned professional concentrating her studies within finance and mortgage. She’s driven to alert and educate by delivering industry news and hot topics and currently writes for

on consumer education pieces and freelance for client’s websites.


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Ontario Votes 2007: Interview with Green candidate Mark Grenier, Welland

Saturday, September 15, 2007

Mark Grenier is running for the Green Party of Ontario in the Ontario provincial election, in the Welland riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

Minor alterations not affecting the content have been made to this interview; the original text is available by clicking on the tab marked “Collaboration” for.

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

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Wikinews interviews Darcy Richardson, Democratic Party presidential challenger to Barack Obama

Friday, November 25, 2011

U.S. Democratic Party presidential candidate Darcy Richardson of Florida took some time to answer a few questions from Wikinews reporter William S. Saturn.

Richardson, 55, is a political activist that helped form the New Democrats in 1989 and founded the progressive Battleground Blog earlier this year. He is also a political historian, and has authored six books covering third parties and presidential elections, including A Nation Divided: The 1968 Presidential Campaign (2002). His current work, The Spirit of ’76: Eugene McCarthy’s Struggle for Open Politics, chronicles the late Democratic Senator Eugene McCarthy’s 1976 presidential campaign for which he volunteered. Richardson admires McCarthy, and served as manager for his 1988 presidential run. Recently, Richardson advised Brian Moore’s Socialist Party USA presidential campaign in 2008.

In addition, Richardson himself has sought political office, albeit unsuccessfully. In 1980, he ran for Pennsylvania Auditor General, and in 1988, vied for one of Pennsylvania’s U.S. Senate seats as a member of the Consumer Party. Last year, he ran for Lieutenant Governor of Florida as the running mate of gubernatorial candidate Farid Khavari.

Richardson has criticized President Barack Obama’s policies for being too similar to those of former President George W. Bush. He hoped to convince several prominent progressives to challenge Obama in the Democratic primaries, but none were available to do so. Last month, Richardson decided to begin a campaign himself and announced through his Battleground Blog that he would challenge Obama in the Democratic Party primaries as a progressive candidate. So far, he has qualified for the New Hampshire primary in January and the Missouri primary in February. In an interview with the Independent Political Report, Richardson proclaimed his campaign slogan as “no fourth term for George W. Bush.”


  • 1 Background
  • 2 Policy
  • 3 Campaign
  • 4 Related news
  • 5 Sources
  • 6 External links
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Media speculate over possible presidential bid by Michael Bloomberg

Wednesday, May 16, 2007

New York City Mayor Michael Bloomberg is prepared to spend one billion dollars of his own money for a 2008 White House bid, the Washington Times reports, citing his friends and “close associates” .

However, Mayor Bloomberg yesterday made light of Senator Chuck Hagel‘s suggestion that Bloomberg could run as an independent with Hagel as running mate. Bloomberg has so far denied that he is running but has not ruled out the possibility either.

Media reports speculate that Bloomberg is considering a run if the Democratic and Republican nominees cater more to the parties’ bases, leaving room for an independent candidate who can attract moderate voters for both camps.

TIME magazine reports that Bloomberg was at first ready to consider spending US$500 million for a presidential run.

Michael Bloomberg could have more money than either party candidates, former FEC chairman Michael E. Toner told the Times. Those funds would come in handy to mobilize the thousands of petitions needed to qualify for a run in some states.

The Washington Times also has reports of a Bloomberg adviser saying some people involved with John McCain‘s Presidential Campaign are prepared to leave and join Bloomberg’s campaign if he does indeed run.

Bloomberg’s advisers have also said that they have been studying and learning from Ross Perot‘s Presidential campaign in 1992. They have called and talked with Perot’s former advisers and campaign workers to learn from their mistakes and experience.

Bloomberg made his fortune with his company Bloomberg L.P., a financial news and data company. Forbes magazine ranked him 44th on a list of wealthiest Americans and 142nd on a list of billionaires worldwide. His net worth is estimated at US$5.5 billion.

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Natural Ways To Lighten Skin

Natural Ways to Lighten Skin


Alexx Scoop

In addition to using skin bleaching creams and gels to lighten your skin, you can also lighten your skin with natural ingredients to enhance and even speed up the lightening process of your skin. One benefit of using natural means of lightening your skin is that you\\’re getting the same vitamins and minerals that you would get in regular skin lightening products, and this would especially be beneficial if you ran out of your regular skin bleaching creams or if you currently aren\\’t able to afford your favorite skin lightening/bleaching products due to a tight budget. And the ingredients you need for natural skin lightening methods can be found right in your kitchen or garden.

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One method is to mix some crushed papaya, crushed pineapple and pumpkin in a blender and apply this mixture to your face every night and let sit for twenty minutes. You can also make a milk recipe for lightening your skin by combining a teaspoon of milk powder, two teaspoons of lemon juice and a teaspoon of coconut oil and mixing in a paste then applying it to your skin and letting it sit for 15 minutes. Taking vitamin C supplements while using skin lightening creams are also great for lightening your skin. If you have licorice extract you can add a few teaspoons of water to it and rub it all over your skin to lighten your skin gradually. You should also exfoliate your skin if you want it to be healthier and lighter because this removes dead skin cells that lead to dark patches on your skin. You can take a half cup of brown sugar and a few teaspoons of lemon juice and scrub all over your face then moisturize it with a face lotion such as Ponds or Oil of Olay. Don\\’t spend too much time in the sun, use sunscreen when out in the sun, eat plenty of fruits and vegetables, and drink plenty of water as this is good for rejuvenating your skin. Flaxseed oil, grape seed extract and fish oil supplements can be taken in addition to the skin lightening cream for effective results in your skin. Another thing you can do is combine egg whites and lemon juice to lighten your skin. A homemade facial mask with cucumber juice, tomato juice and sandalwood paste is also a good way for you to lighten skin naturally in addition to using skin lightening creams. Some other natural ingredients you can use to lighten your skin include alpha hydroxyl acid, kojic acid, glutathione, azelaic acid, nutgrass and mulberry extract. A mixture of lemon juice with honey and oatmeal powder can help lighten your skin as well as a mixture of turmeric, oatmeal powder and lemon juice.

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Blender Foundation launches open movie, open game projects

Monday, June 11, 2007 

The Blender Foundation, which maintains the open source 3D tool Blender, has announced two new projects, codenamed Peach and Apricot. Project Peach will be a new open source movie, following in the footsteps of last year’s Elephants Dream project (which was initially codenamed Orange). Apricot, on the other hand, will use Blender in conjunction with open source 3D framework Crystal Space to create an open game, thereby showcasing both technologies.

The Blender Foundation published the plans on its website on Sunday. In order to support these and future projects, it will also set up a permanent studio called the “Blender Institute”, where software developers and artists can work together in a single location.

The Peach movie project will be headed by Sacha “Sago” Goedegebure from the Netherlands and Lyubomir Kovachev from Bulgaria. Goedegebure is well known in the Blender community for the “Man in Man” animation, which won the 2006 Suzanne Award for Character Animation. Where the theme of Elephants Dream was dark and industrial, Peach will be “funny and furry”, according to the project announcement. The project is to be completed within 6 months, beginning October 1.

Blender’s open game project is still at an earlier planning stage, and details will be announced at the Crystal Space Conference in July. According to the published plans, the project will also be completed within 6-8 months, and it will have a budget of more than 50,000 Euros.

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Chinese hostage rescued in the Philippines

Tuesday, July 6, 2010 

A Filipino police official said that Xili Wu, a Chinese buinessman held by al-Qaida-linked militants on a southern island for one and a half years, has been rescued.

Amil Banaan, Chief Inspector of Sulu provincial police, says Wu was under the name Peter Go to hide his illegal status in the country before he was kidnapped by a terrorist organisation, the Abu Sayyaf.

The police said the Abu Sayyaf abducted Wu in 2008, from his appliance store in Jolo township that he had opened after immigrating from China.

The police claimed that no people were hurt during the fight between them and the Abu Sayyaf that took place during the rescue operation.

The Abu Sayyaf group is on the US government’s list of foreign terrorist organisations and is well known for staging kidnappings for ransom in the Southern Philippines.

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Tamil Nadu Elections: DMK, AIADMK promise freebies

Thursday, March 24, 2011 

Both the Dravida Munnetra Kazhagam (DMK) and the All India Anna Dravida Munnetra Kazhagam (AIADMK) parties have announce “freebies” as part of their election manifestos in the lead-up to the vote in the south Indian state of Tamil Nadu. Freebies have been a success from the 2006 Tamil Nadu elections when DMK lured voters by announcing free colour televisions to households. That triumph led the major opposition AIADMK to announce similar freebies in their manifesto published Thursday.

DMK has announced free laptops to college students, kitchen appliances and modern networks to rural regions. The AIADMK, publishing their manifesto later, expanded on each of the promises of the DMK, plus offering 4g gold mangalsutra for the poor, monetary help for rural households and fishermen, free rice, and more.

AIADMK manifesto addresses larger issues, such as taking on the near-monopoly of the cable industry television industry, starting new Power generation plants to address power shortages in recent years.

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How Could Easily Get Benefit Coming From Recycling Outdated Phones

Submitted by: Steve Peter

It is possible to hear plainly anybody around the opposite series, even any time driving along with doing other items. There is normally that Jabra style of Audiovox cell telephone accent, a headset to offer hands-free phoning. Jabra may be small, brighter that several other headsets in addition to stylish; also, it functions to be a speaker cell phone thereby can be a functional gadget for the cellular phone. Samsung cell telephone accent including headsets in addition to ear glove produce a hands-free cell telephone function that will assist you keep the hands on the wheels. This will surely avoid accidents because of one part driving in addition to decreased consideration while venturing.

Additionally, the about ear light hands-free kit from the wide choice of Audiovox cell telephone accent range furthermore functions to supply hands zero cost telephony in addition to having an inside feature that may reduces certification noise. Sell Samsung galaxy s2 phones use a distinct utilize for individuals. Now, minor video game a cell telephone being a functional exhibit, they ponder over it part making use of their wardrobe in addition to flaunt getting this modern-day gadget because room complete escape bid.

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Nonetheless, it’s not the goal of cellular telephone in the organization would certainly. They’re necessities however, not forgetting fashionable. Because inside the varied efficiency of cellular phones and the increasing need and wish to have uncomplicated connection, manufacturers are often quick to be able to reap some great benefits of this increasing industry. Phones and also cellular cell phone accessories at present flood industry industry together with distinct models and different functionalities. Various cell telephone models in addition to accessories such as Audiovox cell telephone accessory can be chosen in beautiful in addition to functional styles. Cellular phones are receiving to function as most useful modern-day gizmos. They have got evolved from being a luxurious toy doll for tiny professional proper necessity inside the multi dimensional living of these kinds of young advantages.

If you desire functionality in the cellular phone, try to find an Audiovox cell telephone along with your matching samsung cell phone earphone accessory for starters communication calls for. Sell my iphones 4s and also Audiovox cell telephone accessory could be such well-designed and also incorporates models which were lightweight in addition to of wonderful designs. Audiovox cell telephone accent including quality cord can be a new adapter cord is sold with cellular cell phone conditioning prospective. Audiovox cell telephone accent adds any fashionable show holder in which. There are often other antennas that may limit their functions if you’re ever mobile, not the antennae from the Audiovox cell telephone accent range. This Audiovox cell telephone accessory style of the antennae will be incredibly useful related to travelers in addition to corporate companies.

This is attached to get a car whilst you travel, and sure its capabilities well in the event you talk to an alternative person in the other line when you move the automobile is action. All these types of phones that may accessory array are well-designed and also computer move forward. Sell my iphone 4s accessory can be a multi-functional inclusion, it can function efficiently with Audiovox cell telephone but this could also execute their capabilities using some other cellular cell phone brands.

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How To Obtain The Most Effective Bra For Your Outfits

Submitted by: Elvinmr Elliott

No subject the dimensions these bras will depart a woman feeling guarded and supported.

There are so a lot of companies creating not only bras devoid of straps, but also bras that can be converted to strapless. These multiway bras are a wonderful way to incorporate the look and feel of a strapless bra when desired with that of a practical bra that can be worn daily. Multiway bras are wonderful entry-degree bras for many gals wanting to turn out to be secure and self-confident with a strapless look.

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Full bras are a buxom woman’s ideal friend. These sorts of bras present what is undoubtedly the greatest assistance and fullest protection of any bra sort, and do extra than any other bra to supply excellent support to fragile breast tissue. Adult females of any bust dimensions would be wise to continue to keep a full bra or two in their lingerie drawer for large-breasted ladies, they are a necessity.

There are numerous kinds of complete bras normally available in shops and on the Web. Very first, however, a word about bra measurements: the very best bras in the globe will not aid you if they are the incorrect dimensions! Just about every lady ought to measure her bra size at least as soon as per year adolescents will need to measure themselves (or get professionally measured) every single time they buy a bra, since their bodies are modifying so rapidly. Most ladies can measure themselves correctly using a measuring tape and recommendations observed on the World wide web however, quite buxom females generally locate it far more handy to have a second pair of hands for this.

Once armed with the suitable sizing facts, it is really time to go bra searching. There are quite a few types of total bras to think about. A single of the most well-liked is the minimizer bra these brassieres are accessible from department merchants and lingerie stores everywhere you go, and are made to compress the breasts so that they look about an individual cup dimensions smaller than they are. Minimizers normally have broad, secure straps and thick lessen bands for maximum comfort, and are produced in a vast array of materials. Cotton and satin are the most common possibilities choose a bra with lined cups to make sure that your nipples remain invisible.

One more common design of complete bra is the sports activities bra. This is a necessity for females who want to engage in sports or workout the sports activities bra keeps breasts compressed and supported in order to decrease unpleasant jiggling and bouncing for the duration of jogging and aerobics. There are two principal types of sports activities bra: the two-cup design, and the elastic band style. Gals who are a C cup and previously mentioned need to get a two-cup sports activities bra this sort of garment retains the breasts in separate compartments, avoiding sweat from constructing up in the cleavage place and preserving a feminine silhouette beneath clothing.

Full bras in the balconette type provide alluring support and cleavage. These bras, which practically usually attribute molded underwire cups, offer lift that most other bras for buxom females simply just are not able to. A lot of balconette bras for smaller sized-busted gals are termed demi cup bras, simply because the cups stop right above the nipple.

About the Author: To examine more on Bras For Huge Busted Women head to the writers internet site which is stuffed with 100 % free articles, critiques and wonderful distinctive presents.


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