Save Your Home From Foreclosure With A Loan Modification And Join Financial Experts On A Complimentary Cruise

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Joseph Hoats, a recognized Loan Modification Attorney and founder of Home, announced today that his proprietary Loan Modification Program will include complimentary tickets aboard the "Life Modification Cruise", sailing from Fort Lauderdale to the Western Caribbean on November 10-15, 2009.

Consumer advocate and Loan Modification Attorney, Joseph Hoats, announced today the first "Life Modification Cruise", scheduled for November 10-15, 2009, departing from Ft Lauderdale Florida to ports including Georgetown, Cayman Islands and Ocho Rios, Jamaica. This unique 5-day journey aboard the fabulous, new MSC Poesia will include access to all Life Modification Seminars, designed to prepare consumers for life after a successful Loan Modification from Home Stability. According to Joseph Hoats, "Our objective is to provide Loan Modifications that consumers can afford, providing them with the foundation to reclaim their life. We have found that most people need additional tools to live in the new economy and our Life Modification Cruise is just the ticket. We will provide complimentary passage for two for all consumers retaining our Loan Modification Services, while supplies last."

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. While the Loan Modification is a crucial step to attain financial stability, the addition of the Life Modification Cruise program greatly improves chances of sustained success."

Joseph Hoats and his company, Home Stability has helped consumers around the country avoid the painful sting of Foreclosure by providing Loan Modification solutions that work. Unlike refinancing programs, the Home Stability process 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 Loan Modification 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 begin to dissipate, as Attorney Hoats and his team takes over direct contact with all lenders encumbering the property. As one satisfied homeowner, Elva Loera of California, puts it, "After months of stalemate with a "so-called" national Loan Modification Company, a friend told me about Joseph Hoats. Within weeks of retaining Mr. Hoats, my lender responded with a 30 year fixed rate loan at 3.689%. My family and I will always be grateful to Joe for saving our home and giving us a new start."

According to Hoats, "There has never been a better time for a Loan Modification and the complimentary inclusion of the Life Modification Cruise makes it even simpler for consumers to turn their lives around. I encourage anyone who is struggling making their mortgage payment or facing Foreclosure to act quickly and end the pain."

Additional information about Joseph Hoats, Loan Modification services and details regarding the Life Modification Cruise are available at

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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