Shock Program

This man has spent “hundreds” of hours researching what others have done. Here are some “very” surprising facts!

Most lenders do “NOT” own your home. E-mail me for some “free” copies of actual cases where the Judge’s have thrown attorneys out of court because they did NOT have your mortgage note.

Read how some homeowners have not paid on their mortgage and have saved that money to put down on another home. You have to be kidding me. Naw, that is true.

Don’t pay any foreclosure “scam artists” one dime. They charge thousands and cannot help you. Read my articles for FREE and learn what you can do.

WHAT IS SHOCK? The majority of Americans are in shock because of their situation with their mortgage, the excessive surprise interest hike on their credit cards and a myriad of expenses. Shock is a system designed by a “74” year old credit expert, author and speaker that has seen how banks, credit card companies and others take advantage of you.

IT IS THE ALTERNATIVE TO HIGH PRICED LOAN MODIFICATIONS: It is ludicrous to think that someone would charge $3,000 - $5,000 to modify a loan when in fact with the information that we extract with our proprietary questions to your lender, will cause them to do the calculations to modify your mortgage at a price and with a reduction of principal that you can afford. This is a service that lenders do for FREE. We simply provide the “ammunition” to prod them to working faster and at a solution that fits your qualified results that we present.

HOW DOES SHOCK WORK? Shock will do a complete analysis of your loan files, your credit card accounts, your household bills and provide for you a recommendation that you can use to lower your credit card debt by 50% and lower your mortgage interest and principal WITHOUT paying thousands to have a loan modification company do it.

WHAT INFORMATION WILL I BE PROVIDED WITH TO REDUCE MY MORTGAGE PAYMENTS? The SHOCK system will author on your behalf a directive to your lender to provide for you information that you are legally entitled to under RESPA Federal Law

Review the loan application of your mortgage and look for in-cons
Review the HUD 1 which is the compilation of all mortgage costs and look for expenses that you should not have been charged for. Example: Lets say you were charged a courier fee even though you lived over (200) miles from the closing. You probably received your documents in the mail and it was called a “mail away” by registered mail. It would have been impossible to have a courier drive (200) miles to sign documents.istencies which could be the basis to have your loan balance reduced.
Review the costs of the closing and search for being charged twice for some items. This will be a cause to deal with the lender because you were overcharged which is a violation of RESPA.
Prepare and author a personal letter on your behalf to your lender using the strength of the Real Estate Settlement Procedures Act that will provide us with the information we need to dis-arm your lender. We can and will prove that your lender has already been paid and that by foreclosing they are attempting to collect twice. This very valuable information is totally different than a loan modification company that simply negotiates a better deal.
Under the SHOCK program, you MIGHT not have to pay for loan modification as our system MAKES THE BANK do the compilations and work for your benefit.
Analyze and review closely your credit card and merchant accounts to see if their have been any, violations of the Credit Card Billing Act.
Your credit card balance will be analyzed and you will be offered an opportunity to settle your un-secured debt for one-half of what is owed. This can be done by being able to make payments, ending the high cost of interest. Once you have completed this program you will have NO MORE debt.
Your age and mileage of your automobiles will be looked at along with a list of repairs within the last (121) months. This will determine whether or not you MIGHT be facing some un-expected expenses in the up-coming year
Your insurance portfolio will be analyzed. If, you are paying on a twenty pay life policy and it has cash value, we will point out that perhaps the cost of borrowing from your cash values might be a lot less than borrowing from a bank and with that cash you can demand to pay off some credit card balances for a lot less than what is owed.
The Company will look at your credit report and provide you with an extensive credit report analysis and make qualified recommendations on how to raise your credit scores.
The Company will analyze your medical bills and provide the information you need to eliminate those nasty phone calls from collection agencies
If, you have been served legal papers or your house has been scheduled for sale because of foreclosure, we will provide you with the link to legal templates to file to protect your family.
If, you need legal protection in any fashion, we will recommend qualified attorneys, point out your problem and in this manner save both the attorney and yourself un-necessary research time as we have already completed that.
The Company will provide you with a “menu” of how to get out of debt, reduce your mortgage balance, lower your house payments.

View the Shock Program Pricing

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You must be able to substantiate your income. If you are self employed, you will need sufficient bank statements that will prove the fiscal management and ability of the business to prosper.

If, you are an investor, you will have to present for close examination all rental records, copies of leases and history of the properties. This information supports your ability to pay the new loan amounts.

You will need a letter from your employer or the human resources department that provides the lender with the information that you are an actual employee and have worked in your job and have worked satisfactorily according to company standards.

You MUST fill out every question on our lengthy client data sheet. IF, you don’t think you have time or the patience to do this, than DO NOT ENTER into the program. It IS YOUR HOUSE that we are trying to save.

If, you do not provide a truthful application, you will be rejected from the program and your money will be forfeited.

View the Shock Program Pricing

You have to enroll with the person or company that provided you this information or go to our website and find that authorized company that has been trained to work with you.

You will have to furnish to the Company a copy of your last (4) pay stubs and your copies of your 2007 -2008 income tax returns.

You will have to furnish to the company a copy of your auto insurance certificate.

You will have to furnish a copy of your drivers license and a copy of any utility bill showing your current address.

You will have to go to www.annualcreditreport.com and get a copy of your most recent credit report. This will have to be forwarded to the company so that our credit experts can analyze your credit report and issues.

We review the documents to see if you qualify and then charge you accordingly.