Our country and its citizens are experiencing financial pains much like the Great Depression. Our government is now Stimulating the Economy with programs to help. This Economy is certainly unpredictable and sometimes good people must make difficult decisions. When those difficulties are preventing you from making your mortgage payments or you just need help with your debt load, we can help. Our services are designed to assist you with your solutions.

Good luck and thanks for stopping by

FACING FORECLOSURE? MAKE ME AN OFFER, NOW!!

In many, many situations we will be able to make you and offer NOW. We will work with your lender so that you will have the best possible chance of avoiding foreclosure if we can catch the process in time.

Fill in the form and submit your information now and we will be in touch.

Here is the scenario:
You bought your home 3 years ago with a low down payment loan. You home is located in an area where prices have depreciated over 20%. You need to sell, but can’t sell for enough money to pay off your loans. You’ve talked with your lender and they want you to make up your delinquency and are threatening to foreclose. Your credit rating is ruined and you just want to start over.

Here’s where we come in. If your home qualifies, we will:
• Make an immediate cash offer on your home.

• Negotiate with your lender to pay off your loans at closing

• You will give us the right to market your home while you continue
oto live in it and before we close our transaction with you.

• Using our advanced marketing and pricing efforts we will secure a lbuyer to
obuy your home from us. You are not involved in this process.

• We are a national company in business for 7 years and purchase over1200
o homes annually with sellers in exactly your situation. We have a lnearly
o perfect record. We have local representatives in all areas of the US.

Even hard-working people can encounter unforeseen situations which may affect their ability to pay their mortgage in a timely manner. Many issues can be contributing factors such as loss of market value of from 10%-50% resulting in you owing more than your home is worth, temporary job loss, medical illness or injury, marital difficulties, unforeseen repairs or high utility rates, tenant problems, or even a death in the family. Just one of these situations can have a direct bearing on making home mortgage payments.

Have you:
• Missed some payments
•You owe the bank more than your house is worth
•Your interest rate is going to adjust to a rate you can’t afford
•You just can’t afford your current payment
• You want to keep you credit score as clean as possible.

Lenders are making unprecedented attempts to help you get back on track. Unfortunately, the lenders will attempt to create the best solution for themselves. Our services will negotiate between yourself and the lender to find the best possible solution and give you a fresh start today. Call at

**What is loan modification?
Loan modification is not a new loan or a refinance. It does not require a credit score, but is an action that the bank will take to modify your original loan, either by reducing the mortgage balance, lowering your interest rate, add missed payments to your loan balance or in some other way reduce your monthly payment.

NEED TO SELL NOW?

Our real estate agents are trained to list and sell SHORT SALES in the shortest amount of time. Our trained professionals negotiate with your lender to allow you a sale even if the bank is not paid off. This does not cost you a dime and we do all the work. This gives you an opportunity to move on with your life and leave your problems with us.

• Worried about listing your home with an inexperienced agents?

• Afraid that you won’t avoid foreclosure

• How do you price your home if the loan balance is greater than value?

• And…if you do avoid foreclosure, will you still owe the bank?

• Worried about the tax implications from a deficiency judgment?

Our professional team of real estate agents are especially trained to work in these tough economic times.They know how to solve these problems.

THE BUYERS ARE OUT THERE. We know how to find them. DON’T SIGN A LISTING CONTRACT WITHOUT TALKING TO US FIRST!!

If your short sale is not conducted by a trained professional, your risk is GREAT and you may find yourself losing your home AND paying back the bank. Fill in the form and submit your application today. You will receive a call and you will be scheduled for an appointment.

Our agents are specially trained and will consult with you to find your best possible solutions. Often these solutions will allow you to stay in your home and not sell at all in which case, we will refer you to our team members that can help. If that happens we hope you will remember us as the good guys and tell your friends about our services.

If your home is currently listed, this is not a solicitation. If your agent would like to talk to us, please ask them to call at

CREDIT CARD DEBT GOT YOU DOWN? WANT TO CLEAR UP YOUR CREDIT RATING?

In today’s economic environment of consumer spending, job layoffs, and high credit card debt, we may be able to help you reduce what you owe on your credit cards and help you avoid bankruptcy (link to below). This is different from consumer counseling which sets up a payment schedule to pay all your bills in full. Our service is designed to assist you when you don’t have enough money to pay all your bills.

Bankruptcy
Types of Bankruptcy 
Chapter 7 Bankruptcy, which is total bankruptcy, stays on your credit report for 10 years. Chapter 13 Bankruptcy, more like a payment plan, stays on your credit report for 7 years. Bankruptcy, however, is for life. Loan applications and many job applications ask if you have ever filed for bankruptcy. Ever. If you lie to get a loan because your bankruptcy is very old, technically you have committed criminal fraud.

Bankruptcy is listed in the top 5 life-altering negative events that we can go through, along with divorce, severe illness, disability, and loss of a loved one. I would never say that bankruptcy is as bad as losing a loved one, but it is life-altering and leaves deep wounds both to the psyche and the credit report.

What happens if you CANNOT avoid bankruptcy? Let us work with you to legally remove those derogatory comments on your credit report.

Can questionable, bad credit be deleted or corrected?
The simple fact is that questionable credit listings are either deleted or corrected by the thousands each and every day through the efforts of individual consumers and organizations like Lexington Law. The proof is very compelling: The efforts of Lexington Law Firm have successfully assisted clients in obtaining deletion and correction of many hundreds of thousands of questionable credit listings being deleted (click here to see it with your own eyes).

It's not necessarily easy or foolproof, and Lexington cannot guarantee success, but the right to improve your credit by challenging questionable items is yours.

Are items such as bankruptcies and foreclosures impossible to remove or correct?
To see how many questionable bankruptcies we removed or corrected during the last quarter please refer to our stats.*

There is not one type of questionable listing that cannot be removed from a credit report if it is inaccurate, untimely, misleading, biased, incomplete or unverifiable (in our work, we refer to such items as "questionable"). While negative items such as bankruptcies or unpaid debts are more difficult to remove from the credit report, this has more to do with the operational systems of the credit bureaus than with the severity of the bad credit item. For example, judgments and tax liens are severely negative listings yet, in Lexington's experience, clients have had more success getting them removed than other types of listings. Whether a questionable item can be corrected or removed has little to do with its severity alone.

Do negative items have to remain listed for 7 years?
When you speak with certain creditors, their typically under-educated staff may tell you the law demands that negative listings appear on your credit report for seven to ten years.

The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. The 7 year term is merely a time limit for reporting negative credit. Some items, like bankruptcies, may stay on a report longer than 7 years.

Does paying off past-due accounts neutralize their negative status?
No. Paid, but once-delinquent, debts still show up as severe negatives. It's important to note that credit reports don't just show your current credit situation, but they also show what your credit situation has been in the past. Therefore, past delinquency, collection activity or a charged off listing does a great deal of damage to the credit score even if it was paid off. This is one of the great ironies of the credit reporting system; paying your past-due debts does little to immediately increase your credit score and may actually make the score worse.