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Many Americans have already received their economic stimulus check, and millions more are slated to do so in the weeks to come. The question is: how are you going to spend this check? While the government wants you to spend this money “recklessly” you are under no obligation to do so.

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According to recent polls and expert opinions, there are several areas in which Americans are considering spending their economic stimulus check:

1. Save, save, save. A large number… Continue reading

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The auction is the stage of the foreclosure (The legal process instituted by the lender in a mortgage loan after the borrower’s default.) process in which the default or preforeclosure (A preforeclosure occurs after a homeowner has defaulted on their property, but before it has been sold at auction. )phase of the property has ended. The lender is now seeking to recapture its losses by auctioning the property in a public sale to the highest bidder.

The proceeds from the sale will be disbursed to the lender who initiated the foreclosure action, which in most cases is the lender holding the first mortgage. Once the first mortgage holder’s position has been satisfied, any additional funds will be used to settle any other remaining obligations. If all encumbrances (A charge, claim, or… Continue reading

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In this chapter we will review pre-foreclosures, which represent the first stage in the foreclosure process. In this phase, the homeowner has missed at least one payment and is now considered delinquent on the loan. A pre-foreclosure can also be referred to as a Notice of Default A formal notice to a borrower declaring that a default has occurred and that legal action may be taken.

Also known as a NOD. or Lis Pendens A notice indicating that legal action is pending on a property., which is a formal warning sent to the borrower on a loan regarding the delinquent payment(s)… Continue reading

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While most consumers are familiar with the term foreclosure The legal process instituted by the lender in a mortgage loan after the borrower’s default., very few have a solid understanding of how the process works. The purpose of this chapter is to provide an easy to follow overview of the foreclosure process. Whether you are a first time homebuyer or a real estate investor, it is important that you have a complete understanding of the foreclosure process before you invest your money in this unique market. While different states require different foreclosure procedures, the basic process is the same for all states.

Foreclosure: Foreclosure is the legal procedure that a lender initiates to reclaim ownership of property after the borrower fails to make payments according to the terms of a loan… Continue reading

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Consumers asked to Spend Economy Stimulus Check

As you know by now, millions of Americans will be receiving an economic stimulus payment from the IRS by the end of the summer. If you take a closer look at the phrase “economic stimulus check” what do you see? Simply put, the government wants you to spend this money to stimulate the economy. In other words, if everybody who receives a check puts it into the bank and does nothing, the results will be a total flop. Of course, this is far from realistic. But with that being said: how many people are… Continue reading

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Payday Loan and Bank Overdraft

Remember this; you must protect your finances and your ability to have a good working relationship with your bank. Meaning? Don’t commit to payday loans, or anything else, without certainty that you’ll be able to pay it back.

Payday loan lenders process loans by credits/debits and make it convenient to collect through your bank account. This is much more convenient than having to go to a payday loan office. Make sure you have enough funds in the bank when the loan is to be repaid in order to avoid nsf fees.

Payday Loans for Emergencies

It can happen to anyone, a medical emergency hits the family, a car suddenly breaks down and the cost to repair it is exorbitant, or you simply have run out of money and can’t… Continue reading

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