Leading Loan Modification Attorney Announces New Program to Save Homes of Cash-Strapped Americans and Stop Foreclosure
Joseph Hoats, a leading Loan Modification Attorney and founder of Home Stability.com, announces his proprietary Homeowner Stability Solution, providing an affordable and effective legal strategy to protect American homeowners from losing their homes to foreclosure.
Long Beach, CA (PRWEB) May 4, 2009 -- Consumer advocate and Loan Modification Attorney, Joseph Hoats, announced today the launch of his new Homeowner Stability Solution, available immediately for qualifying homeowners at Homeowner Stability Loan Modifications. This cutting-edge program protects the rights of financially distressed consumers by reducing monthly mortgage payments while avoiding the painful process of foreclosure. Unlike refinancing programs, the solution does not require credit checks, high FICO scores, appraisals, down payments or closing costs.
According to Mr Hoats, "Our typical client has experienced some financial hardship…a job loss, income reduction, divorce or medical problem that makes it difficult to pay the monthly mortgage payment. In some cases, the mortgage may have adjusted to a higher interest rate. Furthermore, the home value may have dropped significantly while the current economic crisis has caused the homeowner to miss one or more loan payments. These are good, hard-working, family-oriented Americans who have fallen on hard times, through no fault of their own, and they need compassion, help, and a legal game plan to save their home".
Once a client has qualified, a custom Homeowner Stability Solution is initiated, exercising the client's legal rights and dealing directly with the lender's legal department. Almost immediately, the client will note that harassing phone calls cease, as Attorney Hoats takes over direct contact with all lenders encumbering the property. With an Attorney involved, the lenders take the client's Loan Modification request seriously, as the Home Stability team reviews all original loan documents to identify lending violations and predatory lending practices. As Joe Hoats says, "Our job is to leave no stone unturned, as we protect the rights of our clients. As a result, the outcome is often amazing…lower payments, fixed terms, back payments and penalties often forgiven, plus no fees or finance charges".
With the recent announcement of President Obama's $75 billion Loan Modification plan, the Homeowner Stability and Affordability Initiative, Attorney Hoats believes the need for consumer legal assistance has become even more pronounced. Hoats commented, "While we welcome new efforts by the President and Congress to address the foreclosure problem, the Homeowner Stability and Affordability Initiative falls short, because it does not mandate that a lender do anything to help the consumer in distress. Without legal representation, consumers will continue to be manipulated and mislead by lenders and collection agents. Home Stability is focused on solutions that are in the best interest of the consumer, not the lender's best interest."
Additional information about Joseph Hoats and qualifying procedures for the new Homeowner Stability Solution are available at Homeowner Stability Loan Modifications.
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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