Special Caribbean Cruise Helps Consumers Reinvent Their Lives In Tough Economic Times

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Joseph Hoats, recognized Consumer Advocate, Loan Modification Attorney and founder of Home Stability.com, announced today that he is hosting the "Life Modification Cruise", sailing from Ft Lauderdale, FL to the Western Caribbean on November 15-20, 2009.

Consumers have found themselves with less wealth as real estate and stocks have plummeted, incomes have been reduced, retirement portfolios decimated and lives have been turned upside down. We address all the financial and legal issues with solutions, putting consumers back on the road to prosperity.

Consumer Advocate and Loan Modification Attorney, Joseph Hoats, announced today the first "Life Modification Cruise", scheduled for November 15-20, 2009, departing from Ft Lauderdale, Florida to ports including Georgetown, Cayman Islands and Ocho Rios, Jamaica. This unique 5 day journey aboard the magnificent MSC Poesia will include access to all Life Modification seminars, designed to prepare consumers for life after the recent meltdown of the real estate and financial markets. This is the North American debut of the Poesia, one of the most anticipated new vessels of 2009.

The objective of this unique educational cruise is to mobilize the critical "Financial Survival Tools" required to navigate in our unstable economy. The cruise provides the ideal relaxed setting, without the hectic schedules and interruptions of daily life. According to Joseph Hoats, "Consumers have found themselves with less wealth as real estate and stocks have plummeted, incomes have been reduced, retirement portfolios decimated and lives have been turned upside down. We address all the financial and legal issues with solutions, putting consumers back on the road to prosperity."

Aboard the "Life Mod Cruise", participants will learn new financial and legal strategies from Joseph Hoats and other experts covering topics like Loan Modifications, Total Debt Elimination, Negotiating with the IRS, Creating Budgets That Work, Accelerated Retirement Planning and more. Most important, consumers will depart the cruise with the skills necessary to create a Life Modification Plan that they can follow, providing a "fresh start" on the road to personal success. Hoats commented, "The backdrop of a cruise is the perfect stress-free environment to learn from our team of professionals."

Passengers aboard this potentially "life-changing" cruise event will enjoy all of the normal amenities of a luxury cruise featuring fine-dining, world class entertainment, activities, pampering and much more. In addition, a myriad of special Life Modification events and seminars have been planned, including networking events with legal and financial experts. Tax guru Michael Marshall, one of the expert guests on the cruise stated, "This is a very timely event for consumers, given the current state of affairs in our country. The information people will take away from this event is invaluable, in fact, essential to survive in the new economy."

Hoats commented, "No matter what the problem, reduced income, IRS problems, heavy unsecured debt, asset erosion, even pending Foreclosure…Life Modification Cruise is an event that can help end the pain and give you a plan for the rest of your life. Consumers need to be proactive because these problems will not go away without aggressive action."

Prices for the Life Modification Cruise, including all special events and seminars, start at $499 per person and space is limited. For additional information or to reserve a cabin, go to Life Mod Cruise.

About Joseph Hoats
With over 20 years of experience as an Attorney, Joseph Hoats has worked for the rights of the consumer throughout his career. Working together, his team of dedicated professionals has perfected the Loan Modification process with the introduction of their proprietary Homeowner Stability Solution…a systematic approach responsible for keeping hundreds of distressed Homeowners in their homes and avoiding foreclosure. In addition to Attorney Hoats, his team of top-flight professionals includes licensed real estate brokers, mortgage brokers and owners of mortgage servicing companies.

Joe is a graduate of Vanderbilt University and has practiced law for over two decades. He has litigated in the areas of Real Estate Law, Bankruptcy Law, Foreclosure and Loan Modification, Trust Law, Probate Law, Business Law and has extensive experience with Litigation in State and Federal Courts. He is an active member in good standing with the State Bar of California, State Bar #141599.

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Mike London

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