Foreclosure: Are you Losing Your Home? Do You Owe More than your House is Worth?

There is no shame in falling down... The only shame is in not getting back up.  Socrates     If you're falling... ASN Can Help!         You Don't Have to Lose Your Home!  Already in foreclosure?  Is there already a Foreclosure Sale Date?   We can and will stop it without Bankruptcy! You Don't Have to be Burdened with Exorbitant House Payments! You Don't Have to Be Stuck With High Interest Rates You Don't Have to be Saddled with a Home that's Worth Less than You Owe And You Don't Have to Refinance or File Bankruptcy to Do It!	Real Issues... Need Real People... Call Us TOLL FREE For a Free No Obligation Consultation 877 604 6636 Ext 601 When calling, please reference Service ID # OS73204
The Solutions Network

Are you Losing Your Home?  Do You Owe More than your House is Worth?

Our Goal is Simple... To Solve Your Issue.

Our overarching objective is to solve your Mortgage and Real Estate Issues in a manner

that fits your needs and at a cost you can afford.

• Are your payments are Behind?  We can get them current...

• Payments too high?  We can lower them.

• Are you in default?  If Necessary, we can pull you out.

• Do You Owe Too Much?  We can probably even reduce your balances! 

And we'll do it without the need for a new loan, refinance or bankruptcy!

We want what you want...  an outcome that is Good for You and Good for Your Family--

It's a Tragic Fact!

The government has put in place financial programs that allow millions of families to save their homes, lower their payments, wipe out tens of thousands of dollars on their mortgages...

So, What's the Tragedy? 

Actual statistics show that 75% of these MILLIONS of struggling families;  families who are fighting to but still losing their homes actually qualify for this life changing program.   Entire families plunging into foreclosure while continuing to vainly attempt to make outrageous house payments...  They are fighting and losing their homes simply because they don't know help exists or don't know they qualify. 

 

Following a few of our scores of customer testimonials:

(Other than hilighting, each is exactly as provided by our customer... typos and all!)

Anthony was not only behind in payments... but a his foreclosure sale date had actually been set! Anthony M. I would like to thank you for the work you did on my home loan modification! We must say that your expertise you exhibited not only let us keep our home but lowered our interest rate from 5% fixed to 3.1% fixed for 30 years! This literally lowered my payments by over $300.00! Thank you so much! ****************************** Willie and Katherine G. ASN Mortgage negotiations/foreclosure prevention services are the absolute best. My wife and I were going through difficult financial circumstances, and they put our mind at ease, and allowed us to get another chance, and get back on the right track. We strongly recommend their services. We would also like to personally thank Lisa for all of her hard work and dedication. This company is a God send, and if you ever get in a situation like ours, I wouldn't hesiate to utlize them. Willie & Katherine G.06/2016 Homeowners ****************************** Stu L. Thank you so much!!! I lost my job, got behind on my house payments.  I finally got another job but for less money so I still couldn't make my payments.  I tried to negotiate with my lender on my own but got nowhere.  I was depressed, foreclusure was on the way and just knew I was going to lose everything.  Then a good friend referred me to your company   I really didn't have much hope but I thought, " don't I at least have to try?". I still can't believe what you guys did! You lowered my payments by over $700 a month.  I didn't have to worry about my back payments because they were put to the end of my loan, I didn't have to start my new payments for 30 days, and my loan balance was lowered by $50,000 dollars! I still don't know how you did it, but you did.  Thank you! ****************************** .  Brad W. Thank you for taking away the stress and uncertainty of a bad financial situation. When you don't really know where to turn ASN Financial Services is the place. Having a knowledgeable advocate on your side is a great asset when dealing with financial institutions. You have shaved over $500 off our mortgage and helped to get us back on the right track to financial stability. If you need help with a new mortgage, refinancing, renegotiation, taxes, bankruptcy or any financial situation I strongly recommend ASN Financial Services!!! ****************************** Mark L. Thank you for all of your help, Lisa! You just don't know how much of a relief it has been to have you going to bat for me so I could concentrate on work and family.  You lowered my payment by over $600 a month!  I won't hesitate to tell all my friends and family about this and your other financial services.  What a concept, a company I can trust.

 

THERE IS ALMOST ALWAYS A SOLUTION... OUR JOB IS TO FIND IT!

True Story of a True Recent Client:

One of our recent clients, Stuart S, due to our weak economy like millions of others:

• Lost his job

• Got behind on his payments

  • By the time he found another job... it was for less money, so...

• He was was unable to make up the back payments...

• He no longer earned enough to even afford his normal monthly payments, let alone make up arrearages!

He contacted his lender and went through all the steps in an attempt to have his loan terms adjusted so as to save his home.  Because it was new to him and he was unfamiliar the proper steps, desired debt to income ratios, programs and the most effective strategies, it was denied and so he resigned himself to losing his home.

Then a friend of his, one of our members, told him about ASN services.  Even though skeptical, because he had already been turned down, he contacted us... 

 

WHAT WAS THE RESULT?

• We reduced Stu's mortgage payment from $1,500 per month to about $800

• We were able to postpone his next payment for an additional 30 days.

• We rolled his past payments back into his loan balance, making him current without a penny out of pocket.

• Even with the arrearages added back into the loan amount, we were able to reduce his mortgage balance by more than $50,000 dollars!

We were able to stop foreclosure, save his home, postpone his next payment, cut his monthly payments almost in half, and reduce the amount owed by more than $50.000 dollars!...

WHAT WERE OUR FEES?

Even though other companies charge from $3,500 to $5,000 or more for this type of service and require full payment up front, we did all of this for only $1,500 and we even let him to make payments.

At ASN, we have a saying...

"A solution you can't afford, is not a solution"

We truly are here to help.

If you or someone you know is burdened with unaffordable house payments.

If you are buried and owe thousands more than it's worth...

If you or someone you know is in need... LET US HELP!

877 604 6636  Ext 603

When calling, please reference

Service ID #

OS73204

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A Solution that's Not Affordable... Is No Solution at All.

 Whatever your issue, house payments, credit card debt, bad credit, etc... in most cases, our synergy of professions can facilitate an outcome that provides an all inclusive resolution. 

Depending on your circumstances and needs, our services and solutions can include the saving of your home (if you so choose), or the postponement of foreclosure for the maximum term, often while living rent  free (up to two years from your first missed payment), then upon vacating the property, financial restitution to you-- all in conjunction with a concurrent resurrection of credit status, while freeing yourself of debt.

 

HOW CAN WE DO THIS WHEN OTHERS CAN'T?

Because, we are a network of professionals spanning many financial fields, below are a few of them... 

SERVICE	OTHER FIRM'S FEES	OUR FEES
Mortgage Negotiation	$3,500 or more	$ 1,500 payment plan available
Bankruptcy	$1,500 - $5,000	$295 - with payment plan available
Credit Repair	$1,200 or more	$ 400  approximately
Tax Preparation	Varies with Complexity	Always about half to two third's of competitor fees
And we pride ourselves on finding the hard to find deductions that minimize liability and maximize Refunds.

 

 This gives us an unparalleled synergy that allows for the types of unique, creative and effective strategic solutions that are imperative for today's complicated issues.  Additionally, our financial and business diversity affords us the luxury, of having no incentive to do anything other than provide the very best solutions and strategies for addressing your situation no matter what is may be.

 

For example, when faced with identical problems:

                The real estate agent will tell you to "short sale" your home.

                The loan officer will tell you to refinance your home.

                The bankruptcy attorney will tell you to file a chapter 13.

                The debt negotiator will tell you to attempt a restructuring of your debt.

 We have only one goal... to solve your problem!

Unlike companies that provide only one particular service and therefore have a financial interest in convincing you that their service is the answer to your problems... Our Network provides all relevant viable services and options to credit, debt, real estate, family and many other issues... 

 

Our diversity affords us the luxury of giving you the straight, unadulterated truth as to what your best course of action should be. 

 

The fact is that the best solution to your situation might be a combination of the above.

However, as long as the "expert" has an incentive or knowledge base that is insufficient to provide anything other than their particular service, it's not always possible to know that you are getting an objective, accurate opinion...  an opinion that truly has your best interests at heart...

 

You simply can not know that you are being provided with the analysis and strategy that is truly effective based on the dictates of your unique situation.  Because we handle all aspects of real estate and financial issues, we have the luxury of being able to give you the best strategy based on the dictates of your situation with no fear of losing business.  Why?

Whatever the needs of your situation require, our Network of Professionals provides it.

 There is a Solution and We Will Find It and Solve it at a Cost that is affordable...

Following is a quick comparison of services and fees.

Solutions Network Financial Services

Our Network of business and finance professionals run the gamut of Court and Financial Related Services, thus providing a creativity and flexibility, heretofore unheard of.  These areas of expertise include but not limited to...

 

SERVICE	OTHER FIRM'S FEES	OUR FEES
Mortgage Negotiation	$3,500 or more	$ 1,500 payment plan available
Bankruptcy	$1,500 - $5,000	$295 - payment plan available
Credit Repair	$1,200 or more	$ 400  approximately
Tax Preparation	Varies with Complexity	Always about half to two third's of competitor fees
And we pride ourselves on finding the hard to find deductions that minimize liability and maximize Refunds.

 

Our diversity eliminates the natural tendency of many companies towards a "one solution fits all problems" bias. Always an Honest Evaluation of What's Best for You!

 We have no incentive to sway you in one direction or another. 

We analyze the facts, offer our opinions and options, then let you decide, based on an objective analysis of all viable options.

And what's more, regarding every service we provide, we are dedicated to making them affordable.

 

We often hear...

"That attorney told me his fees were $1,800 dollars...  heck... if I had $1,800 dollars I wouldn't have to file Bankruptcy!"  You will never feel compelled to make that statement to...  or about us.

 

There is a Solution and We Will Help You Find It.

The perfect solution, the best strategy is always dependent upon the full details of your situation... 

Are you current, behind, how far behind, has a notice of default been filed? Is there a sale date, do you owe more than the home is worth? Do you have equity, if so how much?

 

And of course, what are you actually trying to accomplish?  Save the home?  Stay there as long as possible without making payments, keep the home, but lower the payments, lower the principle balance?

 

 Our goal is not to look out for the interests of your creditors, your lender or anyone else...  We have one goal, one objective to create the best strategy to accomplish your objectives given the facts at hand.

Let us know, about your situation and what you are trying to accomplish. 

We'll give you an honest assessment of what can and can't be done.  Then formulate a strategy that is guaranteed to create the very best possible outcome.

 

We are committed to the Best Service and Lowest Fees.

SERVICE	OTHER FIRM'S FEES	OUR FEES
Mortgage Negotiation	$3,500 or more	$ 1,500 payment plan available
Bankruptcy	$1,500 - $5,000	$295 - payment plan available
Credit Repair	$1,200 or more	$ 400  approximately
Tax Preparation	Varies with Complexity	Always about half to two third's of competitor fees
And we pride ourselves on finding the hard to find deductions that minimize liability and maximize Refunds.

 

The Solutions Network-- Real People Solving Real Problems.

 Call us Toll Free for a Free No Obligation Consultation

 877 604 6636 ext 601

            When calling, please reference Service ID#

 OS73204

 

In spite of what you may have heard or thought. 

There is light at the end of the tunnel.  

We're there to help you find it.

 

Preventing the loss of your home could be easier than you think. A little financial expertise can solve many of the major problems that lead to foreclosure. It includes the art of negotiating with your current lender on your behalf to address problems which would otherwise cause you to lose your home. The best strategy for using mortgage negotiation service depends largely on which of these problems is your greatest challenge.

1. Are your mortgage payments too high?
If your payments are too high, it could be due either to the loan balance or to your interest rate. If it's because of your loan balance, it may be possible to lower your payments by reducing the principal loan balance.

2. Is your interest rate too high?
Maybe your payments are too high primarily because of the interest rate. If you find the interest rate overly high - even if you are current on payments - the bank may be willing to consider lowering your interest rate.

3. Do you owe more than the home is worth? Or is there too little equity to refinance?
This is a common problem: particularly in hard hit states like Ohio, Florida, and California and some major cities like Baltimore, MD. If you have been turned down for a refinance recently because you didn't have enough equity, There's good news: a mortgage negotiator can help persuade the lender to work out an agreeable solution.

4. Are you behind on your mortgage payments?
Depending on the situation, your lender may not take your case seriously until you are several months behind. However, there are certain other solutions available to you only if you are current on your mortgage payments. Hence the importance of enlisting this service as early on as possible. You need help to keep all your options open as long as possible. 

5. Are you are recovering from a crisis?
Were you recently between jobs, or are you recovering from an illness that caused you to fall behind on your mortgage payments? Do you believe you could keep up with your mortgage payments and other bills from now on? Your lender may be willing to work out agreeable terms to keep you in your home.

6. Are you retired, on a fixed income?
Were you turned down recently for a reverse mortgage? Were you told that you don't have enough equity? It may be possible to overcome these hurdles and qualify for a reverse mortgage after all!

 

7. Has your refinance been denied?
No matter the reason, it may be possible to work something out with the lender on the current loan so that the terms become tolerable and there is no longer the pressing need to refinance. New government loan program requirements may deem you eligible for refinance once again. Your negotiator should be able to point you to the right mortgage broker with expertise in this area.

 

 See more information and form below:

Go to the web page here.
  

Do You Need a Will?

Free Will information and services regarding Why are wills important.   Are wills  important?  Wills, trusts and estate planning is absolutely  vital  to the future security and protection of your family. Don't underestimate the importance of wills and proper estate planning.

10 GOOD REASONS WHY WE SHOULD HAVE A WILL OR LIVING TRUST

Living Trust

If you've been putting off making a will because the thought of your own demise is too much to bear, stop, and think of the consequences to your family, when the courts step in and decide how to deal with your assets.

Make sure your assets are distributed as per your wishes...

not whims of a Judge who nothing of you or your preferences.

Below are ten of the most compelling reasons why it's so important to your family that you take the action that insures you decide and control  you worked for is ultimately distributed amongst those you love...  If you don't,  Who will? 

If you die without a will...

1. The court will appoint an administrator, for a fee.
The administrator will distribute your money and your belongings according to state law. You don't want this to happen because a court-appointed administrator won't know your personal interests and keep your needs in mind. With a will, you choose the person, called an executor, who sees to it that your property is distributed according to your specific wishes.

If you die without a will...

2. Your spouse may end up with less than s/he needs.
Your surviving spouse may not have enough funds to make ends meet because, for example, more money may go to your children than you wanted. In your will, you can make sure that your spouse gets enough money to live comfortably.

  If you die without a will...

3. Your assets may be divided equally among your heirs.
If there is no surviving spouse, your assets will be parceled out equally among your heirs. You may not want this to happen. For example, you won't be able to protect your assets from an adult child's creditors or the financial ravages of a divorce decree. Or, one adult child may be well off and not need the money while another child really could use some financial assistance. Also, you may have another family member or friend you want to help and, without a will, it won't be possible.

 If you die without a will...

4. Your grandchildren may not get a cent.
When no beneficiaries have been specified, most state courts will grant an estate's assets first to a surviving spouse, then children, often leaving out the generation after. With a will you can allocate assets to go to grandchildren and, through a trust, you can name a guardian to manage their financial affairs until they're ready to do so on their own.

If you die without a will...

5. Your stepchildren may get nothing.
Because most states define heirs as "blood" relatives, stepchildren may not be recognized as heirs. An exception may be made when a stepchild has been legally adopted. A will, however, can insure stepchildren are not left out.

 

If you die without a will...

6. You can't name a guardian for minor children.
Without a will, you may not get the guardian you want for minor children. With neither parent alive, the grandparents are the natural guardians of minor children, but it may be up to a court to decide which set of grandparents.

 
 If you die without a will...

7. You won't be able to minimize estate taxes your children or other heirs might have to pay.
You and a spouse can shelter as much as $1.3 million of assets from federal estate taxes by setting up trusts within your wills. You'll need the help of an experienced professional to draft the wills for you.

If you die without a will...

8. You can't leave your favorite things to your favorite people.
With a will, and an adjoining letter of intent, you can specify who gets what. It's a good way to avoid family fights. A letter of intent is like a laundry list of items with the corresponding beneficiary. (Note: In some states, letters of intent can be changed from time to time without having to re-do the will).

If you die without a will...

9. You can't leave contributions to a church or charity.
State laws do not consider religious and charitable institutions as heirs. Only a will can spell out how your money can be passed to non-heirs and insure your favorite charity gets a donation.

 If you die without a will...

10. Your loved one could lose his/her benefits.
You may cause a problem if money ends up going to a parent or other family member who's being cared for by Medicaid in a nursing facility. Medicaid has strict income qualifications. The added income may disqualify your loved one for continuing to receive benefits.

 

In today's society and with today's government, which has the general mindset, that it knows better than you, what is best for you.  It has never been more important than now, to be certain that you are the person making the decisions that will affect your family, friends and loved ones for years after you are gone.

Do you need an attorney?  Probably not.

   The will has been around in substantially the same form for about 500 years.  For the first 450 years, self-help was the rule and lawyer assistance the exception.  They were prepared by laypersons and were perfectly effective.  What has changed?  Virtually nothing-- other than good campaigning by attorneys.  Over the past 50 years they have done a great job of convincing the public that it is dangerous to draft a will without their "expertise" like performing your own brain surgery (they charge about the same) --  (And I have first hand knowledge of this-- Click here for a bit about me).  The reality is that the basic laws (statute of wills) that govern wills has undergone little change.  And lawyers simply are not necessary-- unless....

     Do you have a relatively large estate? Do you want to engage in some sophisticated tax planning?  If this is the case, it may be wise to consult with someone who has knowledge and experience in wills and estate planning.  Otherwise, save your money!  

   Remember, the hardest part is figuring out what you own and who you want it to go to.  Provide us with that information and we do the rest and insure that your will conforms to the minor variations from state to state to insure that you not the state determines who gets your property.

 

 

Devoice Solutions

 

Divorce Solutions Unfortunately, separation or divorce creates much more than hurt feelings...  Two incomes becoming only one often creates tax issues, the need for Credit Repair, Mortgage Reduction or even Bankruptcy.    OWN A HOME?, often it must be sold, or there may be a need for a quick refinance to pay off court allocated debts or buy out the other spouse.  NOTHING IS BETTER than the spouses being able to agree and amicably handle the myriad of issues on their own.  Unfortunately, that is usually not how it works.   IF PROFESSIONAL HELP IS NEEDED...  Divorce and the related that come with it  can be handled more quickly, effectively, and inexpensively when handled under the umbrella of one company that handles these many issues and knows your COMPLETE  SITUATION.  This avoids the problems that are inevitable when the right hand does not know what the left hand is doing. It is our sincerest hope that you don't need help.  But if you do... Our Network of Professionals are here for you!  Click for Related Legal Services.

Free Divorce Help, Consultations, Information or Assistance is not always easy to find.  But to minimize the financial as well as emotional strain of the process-- to those in need, we provide subsidized and even free Divorce help and preparation--

Free Child Support calculations, Click for Child Support Calculators

 

Online Support Modifications, Free Consultations, and we always strive to make your divorce as affordable as possible.   It is our goal to make this sometimes necessary life event as stress free and simple as possible.  We know that even though sometimes divorce is the best and only solution to marital problems, it's never an easy one. So, try not to make it harder than it needs to be. Below are 10 tips on how to have a successful divorce.

BY SHERRY AMATENSTEIN

1. THERE ARE NO WINNERS IN DIVORCE. Stop trying to 'best' him/or her.. Even if you get full custody of the kids and the lion's share of the assets, you haven't won. Dr. Jane Greer, author of How Could You Do This to Me? Learning to Trust After Betrayal (Doubleday), says, "You've both lost!  You each lost a partner, being married and dreams of happily ever after..." Kathleen Turner and Michael Douglas may have gotten vengeful kicks 'abusing' each other in War of the Roses, but in the end they both crashed and burned.

 

2. DON'T GO BACK TO RELATIONSHIP SORE SPOTS. Ceaselessly picking at old wounds -- 'You weren't there to pick me up at the hospital after the baby was born'  Doing that will prolong your mutual agony. If you paid attention to me after the baby was born...  Keeping guilt and anger alive keeps you connected, but only in mutual pain. Look at it this way: His flaws aren't your headache anymore.

  Important point from Bruce Castro ASN owner:  

Realize, what happened in the past, is the past.  It is impossible to effectively more forward if you are constantly looking behind you.  I know it's tough, but you have to let it go.

 

3. DON'T USE THE KIDS AS PAWNS OR A WEAPON. A biggie. Divorce is tough enough on the kids without inflicting dysfunctional divorcing parental head trips upon them. Dr. Greer advises, "Do what's best for the children in terms of custody, visitation, and emotional health issues." Meaning, don't keep the kids from seeing their father or visa versa.  . And don't ask them incessant questions about daddy's or mommy's new girlfriend, or which parent they love best. 

   Important point from Bruce Castro ASN owner:  

   Do you want what's best for your children?... PROTECT THEM FROM YOUR ISSUES!  I've seen children of divorcing parents go from happy straight "A" students, to morose "D" students.  Even the best case divorce  dramatically impacts your children...  Bringing them into your issues makes it a hundred times worse. 

 

4. DON'T ALIENATE YOUR EX'S FAMILY. When you married the son/daughter, you became their daughter/son. And through the children, you still have ties which will be much harder to maintain if you constantly belittle and complain about your ex to the people who raised him. That's what friends are for.

 

5. DON'T PROLONG THE SETTLEMENT PROCESS. In a just world, you'd get what's coming to you. And so would your ex.. But life (and settlements) aren't always fair. Obviously, don't let the ex stick it to you over important financial issues. But when it comes to the heirloom lamp that was a wedding gift from his or her aunt but you always liked more, let it go if you must. "Evaluate how necessary something is to you," Dr. Greer says. If you or he keep arguing, stalling, or nickel-and-diming one another, you'll never get the prime benefit of divorce i.e. being rid of the person who most drives you crazy. 

  Important point from Bruce Castro ASN owner- 

The more you fight over assets, the less you each receive.  Even if you win... you probably lost, with the only real winner being the attorneys!  I've seen couples mutually spend $2,000 over a $500 couch! 

 

6. DON'T EXPECT EMOTIONAL RESOLUTION. See tip #5. Life is messy, with numerous loose ends. The "injustices" you've experienced might never be righted the way you need them to be. If you wait for full closure to get on with your life, you might be waiting an awfully long time.

 

7. BE CIVIL AND COOPERATIVE. "Stay focused on your goals," suggests Dr. Greer. You might have to work as hard at communicating as you did during the marriage, but at least it doesn't have to be on the same exhausting level. Greer adds, "Just reach some common ground on the issues you need to address together, and try to be pleasant about it."

 

8. ERECT HEALTHY BOUNDARIES. You're not married anymore. You don't have to (and shouldn't) tell each other everything. Greer says, "Some exes can be friends, others are better off talking just about the kids. Be wary of sharing too-personal details. Stay out of each other's sex life." Which leads to #9:

 

9. DON'T BECOME EACH OTHER'S SEX LIFE. You're both lonely, scared, vulnerable. The fear and anxiety attracts you to the familiar. Remember Eve and the apple. Don't bite.

 

10. REVENGE IS OVERRATED. Dr. Greer puts it this way: "Being mired in revenge plots keeps you stuck in the relationship. You're angry and obsessed with the past instead of trying to build your future."

 

In short, if you're determined to make him miserable and to be miserable yourself, you might as well stay married."

 

For Child Support Calculator, please choose your state below: Click the link and the calculator is towards the middle of the page. Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

 

Also see:

• Books on Marriage Problems at Amazon