“How To Count The Ways - In Foreclosure Fraud” Lessons In Debt, Credit And Home Ownership

Foreclosures are still rising and families are still walking out of their homes leaving behind possessions, memories and taking only a broken heart and spirit. The housing industry hasn’t hit bottom yet, and is expected to continue dropping for at least the next two years. All of this is not news, however, there is also a growing awareness of the bank fraudulent acts and how home owners can defend themselves. Read on to learn which resources are necessary to help stay in a foreclosed home, and with the right legal defense team can also get compensated for damages.

Forensic auditing is absolutely a must conducted by a professional third party specialist who works directly with knowledgeable mortgage fraud defense attorneys. The key is knowing what the fraudulent acts are and most importantly how to defend the home owner against them using all the governing Federal laws in place to protect the consumer. This evidence is golden to a mortgage defense attorney and to you as a victim because the Federal laws are very specific about the damages you can claim as a victim.

A forensic audit examines all the paper work that came out of your purchase and closing documents. It’s a clerical search for math errors, and it’s also a search for the strict Federal laws governing mortgage and protecting consumer rights.

Spectrum Resources has invested over five years of research in an attempt to provide education to home owners, however, like many things, there are some people who has the ability to surround all of this legal mumble jumble and those could but don’t want to. They are the “Just Fix It !” people and count for many of the clients who turn to a ‘package deal’ of services. Spectrum Resources can help with resources that make a positive difference.

The most important thing is to establish a plan and stick with it. Find out which resources offer what options. Defining priorities and setting time limits on achieving certain goals. Foreclosure is a floater, meaning many things depend upon other people’s actions and reaction, therefore a home owner has to have clear goals yet be very flexible.

Spectrum Resources offers education and options and does not get paid from trusted referrals. Recently we discovered a program that offers experienced mortgage defense attorneys, a forensic audit services supported by a team of attorneys, and a money management software to make better use of whatever money they do have.

Call Spectrum Resources (863)967-0660 Email: SpectrumResources@tampabay.rr.com
Please visit all of our blogs for different lessons. Please join over 16,000 visitors who have read our lessons since March 2009. This is a daily average of over 75 faithful readers, so please refer your friends to: http://MoneySavingTips.PolkVoice.com and http://SpectrumResources.wordpress.com and
http://WomanToWomanMagazine.ning.com and last but not least
http://FinancialEducationAndOptions.blogspot.com And if seeking credit repair,for a 75 Day Credit Makeover, visit: http://CreditJusticeServices.com/?ccc=1242

"Are You Eating Up Your Profits ?"

“Are You Eating Up Your Profits in your home business ? No I am not referring to the regularly perceived ‘home based business’. I am referring to your HOME business. Few people realize your home business is just like a regular store front business. Your home must make a profit to keep it’s doors open. If homes were managed under the same basic business rules as a storefront business, there would be less foreclosures.

Your decisions regarding what, where and how you eat, eats away at your profit. When was the last time you figured the cost of all the drive through fast food meals, or restaurant meals during a 30 day period ? Or the cost of all the ‘carry outs’ simply because you didn’t feel like cooking ? Have you ever stopped and looked at your grocery ticket to see how many expensive frozen and pre-packed food items came into your kitchen instead of you preparing meals from scratch ? Big ticket profit eaters to look for on a grocery receipt are the over-priced non-food items because they were convenient ?

As the family business CEO, you have those things to consider plus many more if you are to keep the family home business secure. It’s all on your shoulders to educate yourself of money saving trends, to be flexible yet solid enough to handle all unexpected cost. You not only must meet current responsibilities like any business but you must also have money left over for future growth such as investments for college, new home, or that super big event coming up.

You have to figure out a budget that will take you through the slow season. Which in your home business might be a seasonal change in income or a seasonal change in expenses. The expense of school is a seasonal change. There is an additional outlay for new clothes, school supplies, fees, etc. Today, there are many employment cutbacks in hours, and benefits, some temporary, some permanent.

You also have to contend with seasonal expenses of taxes, insurance, car maintenance and even house maintenance. Things that rarely get written down on the budget sheet but occur every year such as yearly check up on the A/C, snow removal, and gutter or chimney cleaning. Your home business profitability depends upon how efficiently you plan for all of these seasonal expenses, plus all those that we don’t have on a regular schedule. Who planned on that trip to the emergency room ? Who planned on the terrible storm that hasn’t occurred for the past forty years but came through taking half of the roof off ?

A home business just like any store front business on Main Street, there must be a preventive maintenance plan in place. A family should have an emergency fund. Get with trained experienced counselors at Spectrum Resources to help you structure a personalized plan for your family business. You will be glad you did !
Call (863) 967-0660 or email: SpectrumResources@tampabay.rr.com Tax exempt donations to help us help others with financial literacy are always appreciated and can be mailed to: SRDC 2014 Brentwood Dr. Auburndale, FL. 33823 or use the online processor: www.Checkman.com/pay4it/1295 Remember to visit our other blogs for more lessons in attaining self sufficiency. http://MoneySavingTips.PolkVoice.com and http://SpectrumResources.wordpress.com and come back to http://FinancialEducationAndOptions.blogspot.com