Do You Know Which Laws Are On Your Side?
You Don’t Have To Be A “Guru” To
Stop Foreclosure And Successfully
Get Out Of Credit Prison…
You Just Have To Know What Laws Are
On Your Side and How to Use Them–Regis Sauger “The Credit Professor”
Read on if….
- You are facing foreclosure
- You have already been through foreclosure
- You want to stop creditor calls
- You want to start the credit recovery process
From: The Credit Professor, Regis Sauger
Re: Options to Foreclosure and then what? Getting Out Of Credit Prison
Dear Homeowner,
No one wants his or her loan to fail, but the sad reality is, many are.
New York Times has estimated that as many as 1 in every 171 people across the United States are facing foreclosure or job loss or both. The bottom line is, Americans are falling further and more heavily into debt.
You can turn the tide. There are steps to avoid foreclosure, but even if that ship has sailed, you’ll want to take steps to recover and ensure a brighter financial future.
You can discover these steps in one of two ways: you can invest your time and money in a game of “trial and error” like you are Thomas Edison (he finally got it right on the 1000th try!) and you might figure it out….the question is, will that be in time to save your home OR prepare you in time to buy a new one with improved credit while the housing market prices are still affordable?
Let’s get down to brass tacks. I want you to learn from someone who has already invested their 1000 tries and has seen the light for themselves. This, by the way, is the easier and wiser of the two.
Pioneer Days Are Over…
Back in the old days (you know, before the Internet…well even before that) pioneers were needed to explore uncharted lands. These trailblazers went out ahead of everyone and they learned the hard way, what dangers and pitfalls were out there.
They cleared the path, noted what should be avoided, figured out ways around obstacles and generally made it easier for those who followed.
There was no need for those who followed to do these things again.
Who in their right mind would go trampling through the wilderness
with its overgrown brush, wild animals and other unforeseen dangers
when they could simply follow a safe trail all the way to their destination?
My mentor, Regis Sauger, is successfully running a Credit Education business since 1990. You can Google his name (Regis Sauger) and learn all about what he does.
I’m not here to impress you with his resume or track record. I’m just here to tell you that he’s already done the pioneering. He learned things the hard way when there was no one around to point him in the right direction.
And he’s going to tell you what he knows about your options to foreclosure and post foreclosure credit recovery.
Regis, The Credit Professor, has put together a 105 page e-book entitled “Get Out of Credit Prison: It’s time to Fight Back, Break Free And Take Control Of Your Life!”
“I took your advice and went down there with my credit report and my book and let them look at the law — and I walked out paid in full. Regis, you are the MAIN MAN.” - Richard, Fort Myers, FL
“I can see clearly now why you are so successful. For the first time, I can see clearly what I need to do with my own finances. This has dramatically changed the way I handle money. I’m shocked that no one else in credit education or financial literacy has taught me what you have.m Regis! I can’t thank you enough for the changes that have already been made.”
- Anna, Cape Coral, FL
When you grab your copy of this full-blown “operations manual” below, here are a few things you’ll learn:
1. Money, Business and Greed
- My First Understanding of Money
- My First Understanding of Banks
- My Introduction to Big Business
- Greed and Golf Courses
2. Credit Past And Present
- The History of Credit
- Bankruptcy Boom
- Credit And Our Nation’s Financial Security
- Household Debt Is Soaring
- Americans Are Over-Leveraged
- Credit Reporting
- Who Reports On My Credit?
- How is A FICO Score Calculated?
- What Does A “Bad” FICO Score Mean?
3. The System – Why They Don’t Want To Help You
- Get Your Dates Straight
- Mortgage Meltdown
- The Mess On Wall Street And You
- The Federal Reserve
- Credit Card Companies
- Collections Agencies
- Why Would “The System” Want Me To Have Bad Credit?
4. The Law Is On Your Side
- Fair Credit Reporting Act
- Statute of Limitations And Time-Barred Debts
- Fair Debt Collections Practices Act
- Truth In Lending Act
- Dirty Tricks
- Aging Your Account
- Restarting Your Credit Prison Clock
- Junk Debt Buyers
5. Dealing With Harassment
- Remember Your Rights
- How To Stop Nasty Letters
- How To Stop Nasty Phone Calls
- When Was The Account First Late?
- Negotiating With Creditors
- Negotiate To Lower The Amount Owed
- Negotiate To Re-Age Or “Cure” Your Account
- Paying A Settled Amount
6. Small Claims Court
- Negotiating In Small Claims Court
- Lawsuits And Judgments
- Lawsuit Threats: They Must Read You Your Rights
- Will They Really Turn My Account Over To An Attorney?
- Statue Of Limitations
- Getting Your Case Thrown Out Or Judgment Removed
- Should You Go To Court?
- A Credit Card Contract Is Not Proof Of Debt
7. Foreclosure
- Home Equity Loans And Adjustable Rate Mortgages
- Facing Foreclosure
- Did you Refinance?
- Defense Against Foreclosure
- Stop Payments Now
- If You Are Being Sued
- Beware Of Foreclosure Saviors!
- The Bank May Not Own Your Home
8. Foreclosure – Refinancing And TILA Violations
- Canceling Your Mortgage
- TILA Audit
- Rescission
- Quiet Title
- What Is The Difference Between Quiet Title And Rescission?
- Look On The Bright Side
9. Auto Repossession
- Was Your Car Sold In a “Commercially Responsible Manner”?
- Was Your Car Damaged Or Stripped On The Way To Auction?
10. Medical Bills And HIPAA
- How HIPAA Can Affect Your Medical Debts
- How To Deal With Medical Collections
11. Cleaning Up Your Credit Report
- Get Copies Of Your Credit Reports
- Review Your Credit Report For Errors
- Multiple Creditors For One Account
- Multiple Account Numbers For One Account
- Removing Same Name Information
- Proving The Debt
- Aging An Account
- Time-Barred Accounts
- Re-Aging Your Account
- Rehabilitating Student Loans
- Getting A Credit Reporting Agency To Correct Your Report
12. Getting Started
- Mental Preparation
- Make Three Piles
- Organization And Planning
- The Dispute Process
- Beware Of “Information Updated” Responses
Download Your Free
Chapter
As you can see, this is useful information with meaningful details that are not publicized much. Just one or two options that Regis shares on what to do if you are facing foreclosure; how to recover from foreclosure; or about the laws that are on your side will prove to be invaluable to your credit score and eligibility for future credit lines or loans.
What this Book is NOT…
This book is not legal advice. It won’t teach you legal loopholes to get out of debts Scot-free. It does not cover how to live on a budget or how to get your house for free.
This report IS ALL ABOUT getting out of your own credit prison: Understanding the foreclosure mess; what your options are when facing foreclosure, what to do in the credit system wherever you currently stand; why the system wants you to have bad credit and what you can do to change your status; what laws are on your side, the untold tactics that creditors use to simultaneously empower themselves and scare you…and so much more.
This book is not a step-by-step guide…It is full of everything that I’ve shared above (and a heck of a lot more) but this isn’t a tutorial that walks you from step one to step two and so forth. It’s well organized, meaty information worth 10 times what I’m charging for sure, and it’s your FIRST move towards financial recovery.
MY HOPE IS THAT EVERY HOMEOWNER AND CONSUMER
ON THE PLANET GETS A COPY OF THIS BOOK
I believe that every homeowner and consumer should have an equal chance to operate within the credit system successfully. I believe that. And because I believe that I’m offering this “operations manual” for only $39.
I consider this to be one of the most helpful, useful courses Regis has ever created to help homeowners and consumers begin their education on credit.
I’d like to have every homeowner and consumer armed with a copy so they can deal with the creditors and lenders from the position of knowledge and therefore, power….Knowledge IS power! That’s why the price is an affordable $39.
Let’s get the job done together. Download your copy now…
P.S. As a bonus I’m including a 26-page Appendix: Statute Of Limitations By State.
This Bonus is chock full of current data that was researched for each of the 50
States. Here are some of the state-specific statistics it contains:
- the highest legal interest rate
- statutes of limitations on a variety of judgment types
- bad check rules
- garnishment of wages regulations
- homestead exemption information
- collections agency requirements and much more!
