FIXED INTEREST RATES 4. From Article at GetOutOfDebt.org. O O ll CALL US TODAY! V4IISI 9I1 Secured

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1 - ~ CLS Gruop I Just another WordPress site 3/6/12 5:53 PM Cons<smer Le g al Services Home Terminology Forensic Audit Loan Modification Predatory Lending FAQ Conta, FIXED INTEREST RATES 4 a O O ll R ~ CALL US TODAY! Statistics show that there are over 7,000 foreclosures happening every day. As a result of today's foreclosure crisis, the government is stepping in to help banks recover from these enormous losses. The bailout will aide banks in lending money more freely, but may also lessen their efforts to provide loan modifications to struggling homeowners. This is due to the fact that the bailout will provide banks with funds to recuperate the cost of foreclosures. In the near future, lenders may prefer to foreclose on homeowners, rather than trying to modify their loan. This is why homeowners must act now in order to save their homes while they still can. Clearly, we need The CLS Group now more than ever. What about the homeowners? 8 The CLS Group is dedicated to helping homeowners better their financial situation and obtain safe and secure loan program. Utilizing our experience and knowledge of Federal and Consumer Homeowner Laws, our legal experts can build a case to present to the home retention department of your lender. The purpose of the case is to illustrate to your lender the need to re-write your loan. We have a 100% success rate and our service is guaranteed. Do ou have a hi h fixed rate or an ad'ustable rate mort a e? Do ou owe more than what our home is worth? Are ouhavin trouble makin our mort a e a ments? Are ou sim l 'ust not able to refinance. Are ou contem latin Bankru tc because ou have no other o tions? If you answered YES to one or all of these questions, The CLS Group has the solution. Call now to see you if you qualify for a loan modification TODAY! 30 Years Fixed interest rates as low as 2.99% Principal reductions of S100,000 or more! Cutting your mortgage payments in Half This is an opportunity you do not want to miss. We have a 100% success rate, & we guarantee our service. Call The CLS Group now and talk with one of our mortgage specialists. coual 4cvslMG GPSS'C R 1 uni T r TRVSTe V4IISI 9I1 Secured r ~I D esig~ngrou Our Privac Pled e I Disclaimer Wh use The CLS Grou? http: //theclsgroup.org/ Page 1

2 Terminology I CLS Gruop Consumer Legal Services Real Estate Terminolo y Department of Real Estate. Deed in lieu of foreclosure. Deed of trust. Deficiency. Deficiency suit. Equitable Rescission. Federal Deposit Insurance Corporation. Federal Home Loan Mortgage Corporation (Freddie Mac). Federal Housing Administration. Federal National Mortgage Association (Fannie Mae). Foreclosure. Form Fully-amortized Mortgage. HUD-1. Interest-only mortgage. IRS Form 4506T. Judicial foreclosure. Mortgagor. Notice of Default. Notice of Trustee Sale. RES P Truth in Lending Act. c3 J IL sich, SING v RRC R u ii secured DEB JCN PWNT PROltOTE http: //theclsgroup.org/'? page id =8 Page 1

3 Forensic Audit I CLS Gruop (onsume r L e ga l Services Forensic Audit Reasons to Conduct a Forensic Loan Doc Audit: (Refer to Commonly Used Terminology for clarification of unknown terms) QuaHfied Written Request: Forensic Loan Document Audit: Loan Modification: Notice that "My Realtor Hed to me" and "My loan officer/broker bed to me" is not on this Hst! Keep that in mind when you as the chent are writing their hardship letter. C 3 J IL Ei C E, S I EE G v RRC R J EE S El c u r EE d OEB (ON PEONT PPONOTE http: //theclsgroup.org/'? page id =10 Page 1

4 Loan Modification I CLS Gruop (oosismer L e ga l Services Loan Modification C 3 J IL Ei C E, S I EE G v RRC R J EE S El c u r EE d DEB(ON PEONT PPONOTE http: //theclsgroup.org/'? page id =12 Page 1

5 Predatory Lending I CLS Gruop Consumer Legal Services What is Predatory Lendin '? Predatory Lending practices in Mortgage Origination include: Predatory Lending practices in Mortgage Servicing include: Mortgage Collection Et Foreclosure Predatory Lending practices in Mortgage Collection Et Foreclosure include: C3 J IL Ticl, S IVG v RRC R J ii Sllcursd DEB(ON PTONT PPONOTE http: //theclsgroup.org/'? page id =14 Page 1

6 F AQ Cta 3 O 3I6 I PM cls@ FAQ Qf wht f th th g I d t h lpb g y ng g I QII em b t f I Wh «l t I d QIAIth ghl ' t t ly bh d ~ Hgg py t, l y I bl t k m p w ht h Id rd Qf lfl' d l q t th y rtgg p y t, ht pt d l h I QI I Imt I p pl I» me t h m h Ip ~ h I tho QI I y t gg "I d "t h y rtgm" "I Qf I I k pt m It o m f A QI H d I I f f t ~ d t le at GetOutOfDe Qflf y f I dh g f I th ht l, II yl d ft f th b l QII em b t f I Wh «l t I d QIAIth ghl ' t tly bh d ~ Hgg py t, l y b bl t k p p w ht h Id rd Qf lfl' d l q I th y Hgg p y tmm I pt d l h QI I re lmt r f o m p p l I m gt h m h Ip ~ h I t hm QI I y rtgg "I d "t h y rtgg QI la tbeatto alka ayfrommyproperty flcannolonge makethepaymenta QII l mt I P Pl l» mg t h m h IP ~ h I t he I QI I y rtgg "I d "t h y rtgg" r"i Qfl t k pmy It t t f Qf lf I g tm I p & I t d, h t h pp f i b eq t y f t h f t h h t l I QI H d I I f f t ~ d t A QIH d I I ff t~ bmty t q h th f t Qflf y f I dh g f I th ht l, II yl d ft f th b l QI Ho longdolhambefor Ihamto acatemyforecloaedho QII t b t t Ik y f y p p my f l mg k th p y I :tra ornn 6 o 6 ' o 6 'd=l6 pg

7 I CLS Gruop (oos<smer Legal Services 550, , % Send C 3 J IL Ei C E, S I EE G v RRC R J EE S El c u r EE d DEB(ON PEONT PPONOTE http: //theclsgroup.org/'? page id =19 Page 1

8 Why use The CLS Group'? I CLS Gruop Consismer Legal Services Co tact Resu ts as individual as you are... C 3 J IL Ei C E, S I EE G vrrc R J EE S El c u r EE d DEB(ON PEONT PPONOTE http: //theclsgroup.org/'? page id =65 Page 1

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10 Disclaimer I CLS Gruop (oosismer L e ga l Services Disclaimer C 3 J IL Ei C E, S I EE G v RRC R J EE S El c u r EE d CK: O esig~ngrou OEB (ON PEONT PPONOTE http: //theclsgroup.org/'? page id =62 Page 1