Kellie Helps Homeowners - Foreclosure Saver

Bank of America Foreclosure lawyer apology letter by my cousin Jason Flores- Williams

Fri, 15 Oct 2010 12:36:04 GMT

Bank of America Foreclosure lawyer apology letter by my cousin Jason Flores- Williams

Every morning since I’ve set up my little law practice here in Santa Fe, I’ve gotten absolutely terrified phone calls from Northern New Mexicans about to lose their homes to foreclosure. They tell me that they’ve spent hours, days, months on the phone with Bank of America, pleading their case, faxing and/or mailing bank statements, W-2s’s, proof of title, mortgage, insurance and notarized affidavits concerning deferred income retirement that had to be mailed and/or faxed again, and then again, and then three more times, because they couldn’t get the same “customer service” agent on the phone and thus had to explain their story for the hundredth time in order to get their loan modification approved and be reinstated, which they actually somehow did, heroically, but only after borrowing money from family to pay thousands of dollars in banking penalties, collection penalties, and most all, attorney’s fees, that they shouldn’t have had to pay to begin with because they only missed one installment three years ago after they got sick and have since made every single mortgage payment on time.

Yet, despite doing everything right, there she’d be on the phone with me at 7:45 am: single mom with a baby in one arm, daughter crying in the background, asking me why she’s gotten a letter from some law office in Albuquerque saying that they’re going to throw her out in 30 days….And what I found time after time, foreclosure after foreclosure, was that it wasn’t just some law office in Albuquerque, but one or two particular law offices that were handling Bank of America foreclosures in Northern New Mexico.

So, I called them. I wrote them emails. I wrote them letters. I even offered to drive down and buy them lunch. I figured that they didn’t want to see innocent New Mexico families lose their homes. After all, they were just people like me who happened to go to law school. If they knew about the kind of damage that they were doing, then they would stop the machine. But I never once heard back from them. I couldn’t even make it past their personal secretaries. Here were children about to be thrown out onto the streets and I couldn’t even get a two-minute conversation with one of my esteemed colleagues. They couldn’t be bothered. They didn’t seem to care. With every foreclosure complaint that they filed, with every piece of paper that they sent out, with every document that they allegedly reviewed, they were getting rich. They were making big time Bank of America money. Hundreds of dollars per hour off the suffering of others, getting wealthy by destroying lives.

Accordingly, now that Bank of America has openly admitted to making mistakes and frozen foreclosures in 23 states, I would like to know something: should the Albuquerque law offices that handled all those foreclosures give the money that they made back to the people whose lives they ruined? Should they be forced to give that Bank of America cash back to the people whose lives they turned into a living hell? And not just the Albuquerque law offices, but all the law offices across the country that worked for Bank of America during this foreclosure crisis?

They can plead ignorance, but corporate lawyers specialize in paper trails. They knew what was going on. They can say that they were just following orders, just doing their jobs – a hall of fame justification if there ever was one—but lawyers are people who make ethical choices just like you and me. In fact, we’re held to a higher standard. At the first sign of trouble, they should have gone back to Bank of America, said there was a problem and fought for fairness, justice, due process and the people and families of New Mexico. But they did nothing other than keep raking in that cash. Up until the day Bank of America stopped foreclosures, they were sending out civil action notices and trying to take people’s homes. What does that say about you, if at the end of the day, we can say that Bank of America is more ethical than you are?

Lawyers aren’t supposed to criticize each other within the profession. But from the Patriot Act to the Foreclosure Crisis, there has been an immoral silence within the bar. As long as we’re making money, then everything is okay. Well, some of us don’t believe that lawyers should allow themselves to be complicit in the destruction of the American dream. None of us are perfect—far from it—but we should stand for something more. So, for whatever it’s worth: To all the families who have suffered at the hands of Bank of America and its herd of lawyers , please accept this letter as an apology on behalf of those of us who would never have done this to you.

To contact Jason Flores- Williams drop me an email at brokerkellie@inreach.com

Available Foreclosure or Shortsales in Cambria, Morro Bay and Cayucos as of 10/15/10

Fri, 15 Oct 2010 12:26:46 GMT

Available Foreclosure or Shortsales in Cambria, Morro Bay and Cayucos as of 10/15/10

Active	349,000	1880 Cardiff Dr	Cambria	3	4	1346
Active	363,000	2537 Pierce Ave	Cambria	2	2	1655
Active	369,000	410 Weymouth St	Cambria	2	2	1500
Active	409,900	2137 Pitt Pl	Cambria	3	4	2149
Active	475,000	5587 Oakhurst Dr	Cambria	4	3	2849
Active	479,900	2494 Malvern Ave	Cambria	4	3	2201
Active	489,000	5897 Sunbury Ave	Cambria	2	2	1316
Active	564,000	1061 Hartford St	Cambria	3	3	2820
Active	649,000	1399 Burton Dr	Cambria	3	4	1978
Active	749,000	1906 Oxford Ave	Cambria	3	2	1813
Active	749,000	1983 Oxford Ave	Cambria	4	3	1924
Active	825,000	3250 Cabrillo Hwy	Cambria	3	3	2310
Active	987,000	303 Castle St	Cambria	3	3	2132
Active	1,295,000	2075 Sherwood Dr	Cambria	3	2	1824
Active	480,000	144 Cayucos Dr	Cayucos	3	2	1321
Active	649,000	2632 Richard St	Cayucos	3	3	1851
Active	775,000	3132 Shearer Ave	Cayucos	3	3	2555
Active	224,900	1177 Main St	Morro Bay	2	1	852
Active	324,900	331 Jamaica St	Morro Bay	3	2	1437
Active	325,000	481 Mindoro St	Morro Bay	2	2	1152
Active	399,000	911 Mesa St	Morro Bay	2	1	954
Active	414,900	465 Chorro Creek Rd	Morro Bay	4	2	2188
Active	499,000	240 Andros St	Morro Bay	3	2	1491
Active	525,000	680 Avalon St	Morro Bay	3	2	2346
Active	629,900	2757 Indigo Cir	Morro Bay	4	4	2553
Active	729,300	221 Driftwood St	Morro Bay	2	3	2293
Active	925,000	351 Piney Way	Morro Bay	4	5	4300
Active	1,099,900	2680 Nutmeg Ave	Morro Bay	4	4	3500
Active	1,475,000	219 Main St	Morro Bay	3	4	2350

	Presented By: Kellie Williams Lic: 01200642 / Breen Realty Phone: 805-927-2269Lic: 01012589
	Featured properties may not be listed by the office/agent presenting this brochure.
	Information has not been verified, is not guaranteed, and is subject to change. Copyright © 2010 by the following Associations of REALTORS®

Kellie Williams Recent Successful/ closed short sale listings

Thu, 19 Aug 2010 18:12:17 GMT

Kellie's Recent Successful/ SOLD short sale listings

6063 Brighton Lane, Cambria IN ESCROW $399,000

1849 Berwick Drive, Cambria SOLD SHORT SALE $300,000

401 Orlando Drive, Cambria SOLD SHORT SALE $420,000

575 Weymouth, Cambria SOLD SHORT SALE $870,000

1240 Clarabelle, Morro Bay SOLD SHORT SALE $360,000

1722 Stillwater Court, Paso Robles SOLD SHORT SALE $290,000

225 Hastings Cambria, SOLD SHORT SALE $850,000

Hi Everyone!

Wed, 11 Aug 2010 09:13:07 GMT

Welcome to my new blog. Thanks for visiting, I hope I was able to provide you with useful information!

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send."

I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

Foreclosure Vs. Short Sale

As a Certified Distressed Property Expert, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately I've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why I'm glad you're here. To help, I’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

Kellie Williams
(805) 927-2269

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Are you eligible?

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Cash for Short Sales

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Simply fill out your information below for details on the program and how you would benefit.

Please read this report to learn the facts, and contact me to start exploring solutions.

Credit Score Issues

Don't Let Your Credit Score Drop Unnecessarily

Avoiding foreclosure now could make or break your attempts to get a loan in the near future and determine whether you can get affordable interest rates.

That's why I've made this site available for anyone in our community struggling with mortgage payments. Foreclosure alternatives like short sales and deeds-in-lieu allow homeowners to avoid many of the damaging effects of foreclosure. In addition, short sales may have less of an impact on credit scores than foreclosure.

To get all the information on how these options affect your credit score, fill out the form below and click "Send". If you need immediate assistance, contact me right away.

I'm here to assist you.

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

Caution: Protect Yourself Against Mortgage Relief Scams

The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim.

As a CDPE, I am fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well.

In fact, I’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love.

If you are facing an unaffordable mortgage and need help from someone you can trust, please contact me today.

I’m here to help.

Crushing You

Is the Strain of Foreclosure Crushing You? You have options!

A lot has changed since you bought your home.

If you or someone you know are among the 10 million homeowners who are falling further behind every month because of an unmanageable mortgage payment, then that weight may feel unbearable. But there is actually some encouraging news:

You have options, and foreclosure is not one of them!

As a real estate professional with the Certified Distressed Property Expert (CDPE) designation, I offer all of my clients the benefit of the best expertise and insights when it comes to foreclosure avoidance.

Take a look at my site and download a copy of my free report entitled "Is the Strain of Foreclosure Crushing You?" Then contact me for a free, confidential consultation.

At the End of Your Rope?

Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment.

Millions of homeowners across the nation are experiencing difficulties paying their mortgages. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the report found on this website.

As a Certified Distressed Property Expert (CDPE), I've been extensively trained to counsel and guide homeowners through their options. There are dignified solutions available to help people get back on path to financial stability. My clients have found strength in the knowledge that they are able to take an active role in avoiding foreclosure.

They know that avoiding foreclosure is key in providing for a brighter future. Foreclosure can wreak havoc on credit and affect current and future employment status in addition to many other long-lasting side effects. In the report, I demonstrate just how harmful foreclosure is in comparison to an extremely effective alternative called a short sale.

I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let's work together to put you back on the path of financial stability.

Feeling Trapped by Your Mortgage?

Feeling trapped by your mortgage?

Education is the Key

If you or someone you know feels like a prisoner to unaffordable mortgage payments, you should know that education may be the key to financial freedom. You have options available that can help ease the worry of making payments or losing your home to foreclosure.

To find out more about the options you have to choose from, download the free report I've created at the bottom of this page.

In fact, this entire website has been created exclusively for homeowners like you who need a trusted source for viable solutions to foreclosure.

If you have questions about the information you find here, or would like to get started in creating a plan, call me today.

The more proactive we are, the better chance you'll have in finding financial freedom and stability.

Your Ticket to Freedom from Mortgage Frustration

In the news, there is talk of a housing recovery. Experts feel more optimistic about the state of the housing industry in America. However, if you or someone you know is one of the millions of homeowners who is stuck with a home on which you owe more than the property is worth, however, the feeling of helplessness can be overwhelming and frustrating.

CLAIM YOUR TICKET TO FREEDOM!

As a Certified Distressed Property Expert (CDPE), I make it my business to know all of the ins-and-outs of the options that are available for people who are in danger of losing their homes and help the challenges head-on.

Take a look at the information on this site and then Contact me today to schedule a free, confidential consultation.

Mortgage Debt Relief

Not All Sunsets are Beautiful...

In 2007, the Mortgage Debt Relief Act was passed in an attempt to help the millions of homeowners who, due to the housing crisis and economic crash, suddenly found themselves in danger of losing their home to foreclosure.

The act gave homeowners relief from the tax responsibility that accompanied forgiven debt or short sales. Often, these taxes would be more than most distressed homeowners could afford.

At the end of 2012, the act will expire. There is a bill in Congress that would extend it, but it is unclear if it will pass. Homeowners who wait could miss this once-in-a-lifetime chance to save themselves tens of thousands of dollars while freeing themselves from an unmanageable mortgage.

The clock is ticking, but there is still time to change your financial situation and avoid foreclosure. As a Certified Distressed Property Expert (CDPE), I am uniquely qualified to guide you through your options and help you find the right one for your situation.

Take a look around my site and read the free reports that are available. Write down any questions you have and then call me today for your free, confidential consultation.

Tipping the Scales Toward Foreclosure?

Fear of foreclosure is a national epidemic.

Millions of homeowners fell behind on their mortgage payments last year, and then proceeded to fall further behind every month.

These are tough times and there are no easy answers.

The fact is, major lenders, the federal government, and local agencies across the country have stepped up their efforts to stem the tide of foreclosures. More help is available than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am knowledgeable and adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

Looking to learn more? Check out my free report: "Tipping the Scales Toward Foreclosure? Resolve to Shed the Weight of an Unmanageable Mortgage in 2012."

And if you, or someone you care about is looking to tip the scales back into financial solvency, contact me today for a confidential consultation!

Short Sale Incentives

Short Sale Incentives: Why Banks will Give You Money to Sell the Home You Can't Afford

In the past, homeowners enduring these challenges had very few options, and most of them would either be forced to lose their home to foreclosure.

Today, however, there are more options. The government and the banks have created a multitude of programs and foreclosure alternatives that can help people in these circumstances find a dignified solution for their problems without crippling their financial future. These options include loan modifications, refinancing, or short sales.

The most amazing development in today's market, however, is one simple fact: Banks are now willing to give cash to homeowners to sell the home they can't afford.

Take a look at my site, read the free reports, and write down any questions you have. Then, call me today for your free, confidential consultation.

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.

Loan Mod Secrets

Loan Modification Secrets

For some homeowners in danger of losing their home to foreclosure, there has been a lot of incomplete information out there. For example, many believe that a loan modification is a "cure-all" for distressed homeowners. While it is true that it can be a good option for some people, it isn't always the best solution.

There are many more options available to homeowners.

As a real estate professional with the Certified Distressed Property Expert (CDPE) designation, I have put together a list of 5 questions that anyone who is in danger of losing a home should ask before they make a decision.

Take a look at the information on this site and download a copy of my report entitled "Loan Modification Secrets." Then Contact me today and schedule your free, confidential consultation.

Struggling to Make Your Mortgage

Get Paid to Sell the Home You Can't Afford!

When the housing market crashed in 2008, millions of homeowners suddenly found themselves in danger of losing their homes to foreclosure. To help these homeowners, in 2009 the U.S. Treasury launched the Making Home Affordable (MHA) program, which is comprised of several subprograms designed to help distressed homeowners avoid foreclosure.

One of the most talked about elements of the MHA program is the Home Affordable Foreclosure Alternatives program, or HAFA. The HAFA program creates options for homeowners who owe more on their mortgage than the property is worth and don't know what to do. Even better, it allows relocation assistance of $3,000 to be paid to eligible homeowners in this situation.

To learn more, you can download my free report entitled "Struggling to Make Your Mortgage? Uncle Sam May Pay You to Sell Your House!"by filling out the form below.

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

7 Short Sale Myths

There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place.

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I’ve prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths:

The Bank Would Rather Foreclose Than Bother With A Short Sale
You Must Be Behind On Your Mortgage To Negotiate A Short Sale
There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
Listing My Home As A Short Sale Is An Embarrassment
Short Sales Are Impossible And Never Get Approved
Banks Are Waiting On A Bailout And Not Accepting Short Sales
Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. I hope you’ll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.

Kellie Williams
(805) 927-2269

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

Kellie Williams
(805) 927-2269

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.