Hi again Richard, I look forward to hearing from you daily.Your informtion lessen my load of credit card debts.I am awaiting an answer from the previous e-mail that I sent after I viewed that video. My question was if you approach 1 credit card and try to ask for a way to reduce the interet rate or lesson the monthly payment will they in turn ask back for the credit card or suspend my usage.Also will they notify my other credit card companies or I guess when the other company checks my credit report they will see that on my credit report, and perhaps send me a letter, referring to me trying to work a payment plan with the first credit card company and stop any future usage for my other credit cards.Please let me know. Thank You, Matthew Angelias ( By the way where are the sample forms or letter heads that we may use.I believe before purchasing this program, that it would be included in the $149.00 purchase.)

Hi, thanks for the question. If you are going to approach a card company to negotiate, if you are still making the payments they won't deal with you in any meaningful way. No they generally won't notify other card companies but if you stop paying of course that will show up soon and may affect your interest rates on your other cards. And yes there are sample forms in the course.

–Richard

RICHARD, WE HAVE LITTON MORTGAGE FORMALLY AVELEO THEY ARE A COLLECTION COMPANY FOR DEBT ON BEHALF OF THE INVESTOR CURRENTLY GOLDMAN AND SACHS. BOTH MY HUSBAND AND I ARE RECENTLY UNEMPLOYED. WE ARE TWO, ALMOST THREE MONTHS BEHIND IN OUR MORTGAGE. WE HAVE HAD EVENTS OUT OF OUR CONTROL HAPPEN INCLUDING A LOSS OF OUR SON. THIS SET US BACK ABOUT 7500.00 DOLLARS DUE TO FUNERAL EXPENSES. WE DO HAVE A VACANT LOT FREE AND CLEAR AND WANT TO KNOW IF THERE IS ANYONE OUT THERE WHO WOULD BUY OR LOAN AS A PERSONAL SECURE LOAN TO HELP US GET THROUGH THIS. I FEEL WE SHOULD TRY TO SHORT SALE OUR CURRENT RESIDENTS. I WOULD LIKE YOUR HELP. I CANT PAY YOU NOW BUT I WILL LIKE TO BE ABLE TO IN THE FUTURE IF YOU SHOULD AND WOULD BE WILLING TO DO SO. WHAT CONCERNS ME ABOUT MOVING ARE MY REMAINING CHILDREN HERE WITH ME. HOWEVER, I WILL HELP THEM GET THROUGH THIS IF I COULD SELL MY HOUSE IN NINE DAYS. KIND REGARDS, KIMBERLEE GOTT

Hi Kimberlee, I don't know what you should do but I would probably consider a short sale. The 9 Day House Sale is a good way to go if you can swing it. Using a good agent and pricing your house to sell it quickly is another alternative. Then use a good short sale negotiator or handle those negotiations with the lender yourself. There are always alternatives. I am so sorry about your loss of your son.  Can you sell the vacant lot to raise cash? That might be more realistic than trying to borrow.

warmly

–Richard

Richard, Great parctical info.
I always look forward to learn and help others with your practical solutions.
Thanks and be there always.

Richard: Thanks to be honest and hellpfull with others….Blesses to you

I spent all day and night reading the Mortgage Relief and loan modification programs. There is a lot of priceless information. I have been Realtor for 9 years an became one to help people not to get taken advantage of. I was born in D.C. and raisedin Virginia. After college I moved to Missouri. I am going to impliment the programs. Thank you very much.

Hello Richard, Even though your readers don't know me from a hill of beans I want to absolutely concur with you about the evils of the fractional reserve banking system known as the Federal Reserve. Since it is a private corporation it is no more a government agency than is Federal Express. And since the money is literally created with the stroke of a pen or a computer data entry there are no reserves in the sense one would normally think. The really evil part is that when they create this money from nothing they don't create the money that is necessary to service the interest part of the loan. Talk about a scam that creates a never ending cycle of debt. One of the best videos I have ever seen that explains all this in very simple language is called "Money As Debt" and can be found on YouTube or Google video. While I don't have any of your courses yet it is clear that if your material can do as claimed when acted upon you will be doing a great service to ones needing to get out from under the Federal Reserve beast. Kudos to you on developing this plan and making it available for others to join you on this crusade. Best regards, Jerome p.s. Does your course materials offer tips on developing this as a business?

Thanks for the kind words, Jerome. My Loan Mod Magic course teaches you how to do loan mods for profit. And my Short Sale Secrets course and the Secrets of the 9 Day House Sale teach how to make money in today's market. I think this is a huge opportunity and I have proteges of my program doing extremely well, better than they ever have in their life.

http://www.GetLoanModSecrets.org

http://www.GetShortSaleSecrets.org

warmly

–Richard

Hi Richard,
I purchased your Short Sale Secrets yesterday. I have tried to watch your video on short sales, but it says I am already a subscriber and I cannot get into watch the video. I am in the process of trying to short sale a second home that we are upside down on and I am anxiously waiting for your course to arrive in order to have a step-by-step procedure as you promised. How long does it take for me to receive it as I live in Colorado? Also do I need a user name and password? I thought I read that you would be sending that to me via e-mail.

Imy Doerfler

Hi Richard, just letting people know I am a relator and have been consulting people on short sales in every which way I love doing them and willing to help people out there who need help.

I own two rentals in Lehigh Acres,FL that are upside down & of course I can't sell them now. If I do a short sale on them both, will they come after our assets to satisfy the shortages?

How badly will our credit be dinged & how long will it be to rebuild. Also how many payments do i need to miss?

thanks Richard,

Joan

Hey Richard, I am now one of the many unemployed auto workers in America. I am very interested in the courses you offer. I would love to start a business and I am wandering which system may be simpler or quicker to earn a profit. With loan mods do you simply charge a fee? My father is a semi-retired Realtor. I have always been interested in alternative financing and real estate ideas but, he seems to think short sales are too difficult to complete. Should I go on my own with loan mods or take advantage of my fathers experience and reputation in the real estate circles. We have a great relationship and I would like to show him a way to move houses in today's market. Can I profit from either of your systems in 6 - 8 months? I can go at it full time for that period of time but will have to find a job if it will take much longer. Thanks for the info, David

I would try to learn as much as possible about loan mods and short sales and the 9 Day House Sale. Here's why.

When you do loan mods, you will also find that you get a good share of business that comes in that doesn't qualify for a loan mod. So someone needs to help those folks with a short sale.

You can get your feet wet by getting into this, finding folks who need help, and having an expert do some of the actual work while you look over their shoulder, so to speak. Then you can get into it all the way. Good luck!

warmly

–Richard

Richard I have a question regarding the money i'm savig by not paying my credit cards. I really thal u for freeing me….But i have a concern can credit card companies freeze your bank accounts or take your savings in any way?

Let me be clear that I do not ever ask or suggest that someone stop making payments. But if you are in a position that you are carrying around enormous credit card debt, I encourage people to settle and move on with their life. Usually bankruptcy is not necessary and settling your own debts is far less expensive and gives everyone including creditors more than they would otherwise get.

So I congratulate you on being realistic about your situation and taking positive action to right it. I don't know how long you've been carrying these balances, but so many of us have been carrying them for years, paying all our surplus money to the banks and having nothing left over for our retirement, familes, and future.

Your question is so good. I will make a video that answers because I think it is vitally important and I get this question a lot.

warmly

–Richard

My question concerns short sales. Is there an entity that will handle the lender negotiations for me provided that I have a motivated seller willing to participate in a short sale? Thanks Ray

I work with Law Office of Mark Bello, 248.948.1800, Jeff Bortnick, Short Sale Legal Services.

Hello Richard, I just bought your loan mod magic and anxious to get it so I can start helping people I'm a Realtor in arizona.

I so appreciate the trust you put in me. I want to hear about your progress. And please post on the private on line forum, the Free and Clear Club.

warmly

–Richard

Richard,
I have learned so much from your videos and emails. My house just went on the market this past monday and I received an offer above what it was listed for les than 24 hours later! I am in the process of putting together the specific package of documents that my lender needs and using a short sale specialist to take it from there from negotiating with my lender to procuring a letter releasing me of liability.
Thank you so much for your time and support and your quirky way of passing on this information. You are helping so many folks.

I will let you know if i beat the 9 day mark.

My best to you,
Stacey Wooley

Richard, you are awsome with all this infomation! I keep learning more and more and this IS honest help. Thank you for being such a helpful, honest person.
God Bless you!
By the way how did you stop your allergies and asthma?

Thanks YOU!

I viewed your video on debt settlement and followed along w/ the charts and am very thankful to have access to this information now. I am not a real estate agent or broker of any sort but I am bery interested in purchasing properties through your instruction and helping others as well. I am very excited about this information and the opportunities that will come along with it. I k now that it will take some study, but I like what you said about mastering these skills, I believe that it is very achievable. I can't wait to recieve my cash machine and mortgage formula information in the mail. Richard, you are doing a wonderfrul thing and helping so many people by your simple method of sharing information. I look forward to being a "success story".

Please send me video on how to short sell your house thank you

I was thinking about doing a short sale on my home, but was told today that I would have to stop making payments to do so. I have no debt but the first and second loans. I just found out that I have a five year balloon to the tune of 35000 and I will not be able to come up with that amount in 8 months when it is due. I have been paying off my debt for 14 months and now find this out. And I was also told that they might not forgive the debt even if they agree to the short sale after not paying for a couple months. We are so underwater in the house and I feel like we are just throwing money away. Do you think Wells Fargo would take a settlement on the 35000 and what would be a fair offer? Then I might be able to refi the first which is 147000 and then rent my place out or sell it at a minimum loss. IF they would take a settlement, do I ask them to report it as "paid-satisfied" to avoid a reduction in my credit score or is that even avoidable?
Thanks for your advice.
Kelli in Ga

Hey Richard, I love the idea of doing loan mods and yes ther is an unlimited amount of then.. but unless you have a way around it that I am missing, It is 100% illegal in the state of Georgia. I read the law myself and it says you can't place, refer, negotiate, offer, give advice.. NOTHING unless you are a lic mortgage broker. Even if you were charging zero it is still a big no-no. I would bet other states have similar laws. How are you getting around that? You ARE great and I love your info..

Got to follow all the laws. Can't get around them. I haven't read the law in Georgia but if it says that you have to work with a broker, then you do. That means you have to do the work and procure the client on the broker's behalf and arrange a compensation agreement that is fair and legal. Not a problem. You can go to a lawyer and do the same thing and lawyers have the right to do loan mods generally and they charge more also, so they can pay better.

warmly

–Richard

Hi Richard,
My husband and I can no longer pay our mortgage on our house because of my health issues and my loss of income. We are not late on any payments and have depleted our savings keeping it current. We contacted the bank and asked for a deed in lieu of foreclosure. The bank wants to do a short sale involving a realtor. This is not going to work because there are 150 homes for sale within a 2 mile radius of us in the price range of our home. The high real estate commissions of 6% plus in this city near a military base, the seller usually includes the closing costs of 4% in the price of the home. We can't afford this and would cost us several thousand dollars to sell the home that we simply do not have. The house is vacant. We did a very thorough deep cleaning on it so it's in move in condition. We have moved back into a manufactured home that we own and was using as a rental property. Do you have any suggestions as to what we can do? We do not want to rent it out as another realtor suggested. We just want this house and this debt out of our life forever.

We have lost income and am disabled long run and now have home in Short Sale w/good rel'r and living in home. My next move is to get cc debt situation changed. Have about 33k total and want to keep only one of 4 cards. I am up to date with them and my plan is to start paying about 50% of payment due and write a letter to each and ask for reduction of interest to 6%. I will be at that payment putting about the same on the principal each month. I'm 70+ and probably never see this out. However, I want to leave it open that if I'm able down the road to pay each off completely but not at an increased RofInterest. I am also going to ask for paid/satisfactory. With no dings on credit rating. Any suggestions or cautions appreciated. john