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Loan Modifications - BewareThe economy today seems to be a subject wrought with much speculation. Where we're headed is anyone's guess. Every other day we hear that "we've seen the worst of it" or "we've hit bottom." The economists don't agree on much other than that we haven't hit bottom yet, and that it could be another year or two before we do.What is our government doing to help the 'average person?' Big businesses like banks, insurance companies and the automobile industry have all received their bailouts. Some have even dipped into the ‘cookie jar’ more than once. An inadequate tax break doesn't do much to assist the person barely making enough to cover his mortgage, utilities, other credit obligations, and then feed his family.Financial ReliefOur government pretends to help by initiating loan modification programs. It's just too bad that most of these programs are buried with more applications than they can adequately address. They just aren't adequately staffed to handle the demand, and unfortunately most aren't properly educated to deal with all the mortgage related issues that come up in the process. In most cases, they're just gathering financial information and forwarding it to the mortgage company with a request for a loan modification. [please contact me for website address] a very passive process on the part of the government-sponsored organization, and passive doesn’t work when dealing with a bank. It’s shockingly ineffective. A simple web search will reveal how appallingly bad these programs have been in providing relief for homeowners.Debt Mortgages & Credit CardThe other alternative presented to a distressed homeowner is to pay a third party company to help them approach their mortgage company to complete a loan mod. This is a better option then entrusting their home with a government employee that until a couple of months ago was working at the Department of Parks and Recreation, but usually considerably more expensive. These programs range in cost from $2000 to $3000, demand that they be paid in full up front, and in many cases come with no guarantee of success.Then there's your mortgage company, they'd rather that you just simply call them and negotiate. Keep in mind that this is the same company that issued the unfavorable loan in the first place. They'd have you believe that they have your best interest at heart, when in reality all they care about is the liquidity of their balance sheet.For Financial Freedom Relief Student LoansFortunately there is a better option. There are nationwide credit organizations that will provide the advocacy that a company charging $3,000 would, but do it for less than $200, and will refund their member’s money if they don’t succeed. Their approach is a total one. They’ll not only complete a loan mod, but also work with their members to re-establish their credit afterwards. It’s refreshing to find an organization that will truly do more for less.By: Aaron HuebnerArticle Directory: [please contact me for website address] Huebner is the Executive Director of Nationwide CreditAlliance, an association that specializes in credit repair and loan modifications for their members. He can be reached at [please contact me for website address] Online Appointment Schedulingfor Local Businesses.Genbook makes it easy for local business owners to offer online appointment scheduling to their clients.So easy that we schedule more than 650,000 appointments per month, helping local businesses earn over $500 million in new revenue each year.It's Your Turn. Start Now!Watch This Video! CODE ~ BEVGordy Financial Relief [please contact me for website address] Gordy ~ Gordy & Associates Pllc ~ Detroit Michigan 48228 ~ 877-657-7275 [please contact me for website address]