Rita and Ferris Browner Bankruptcy Preparer/Legal Assistant

The United States is on the verge of witnessing the largest bankruptcy filings in recorded history. One of the reasons is due to the new Mortgage Restructuring Bill (now named The Helping Families Save Their Homes Act of 2009) passed by the House of Representatives on Thursday, March 5, 2009 with a vote of 234 to 191.

The "Helping Families Save Their Homes Act of 2009 allows bankruptcy judges to alter the mortgage terms so as to assist homeowners in avoiding foreclosure. Think about it folks! If you lost your job (like millions of Americans) and you could file bankruptcy and save your home; what would you do? You would file bankruptcy, of course. This will blow the doors wide open for those homeowners who are "under water". This is true "Relief" for many hurting families.

Homeowner's must renegotiate their current principle loan with their lender before filing bankruptcy. This may be difficult for some people and we offer foreclosure mediation services which will be required to complete this first stage at least 30 days before filing bankruptcy.

Once your bankruptcy case is filed, the judge will make the determination, based on your income against the payments made before deciding whether an interest rate or principal reduction will be applied. The value of the home will be determined by using federally approved appraisal guidelines.

If you thought the filings in 2005 (before the law changed) pushed the envelope to historical proportions you can't imagine what's going to occur within the next few weeks and continue for many months and years to come. President Obama announced last week that the economic crisis has caused a bankruptcy filing every 30 seconds! It is to your advantage to get the training you need to work in the field of debtor bankruptcy law so you will be in a position to earn a good living while helping others.

Interested in becoming a "VBA" Virtual Bankruptcy Assistant?

Not Just February 14th

Cut out 365 pink, red and white hearts from copy paper. Set out on the daunting yet loving task of placing a special message on each one (Examples) . . .

Some scripture notes from the Bible to give encouragement or verses that are special. Some date notes: movie of your choice, dinner out, dinner fixed by me, a drive to the beach, etc. Some chore or help notes: I do the dishes for a week, I'll clean the bathrooms, I'll watch the baby this weekend, etc. And some sweet nothings: back rub, take a long bath, take a nap while I take the baby, let's look at our wedding photos and reminisce...

Once all the hearts have a message, fold and place each in a large jar decorated with appropriate Valentine's colors and shapes. Wrap her/her special gift, which she/he will open and then place on the counter where she/he could reach for each day's note, to be used at her/his discretion.

It is a simple yet wonderful way to keep us aware of each others needs

Against all odds, Barack Obama persuaded a majority of Americans to believe in their own better natures and, by electing him President, the people helped make it true.

We've just elected this country's first Black President, Barack Obama--a leader who will work to serve all Americans. It's a profound moment many of us thought we'd never see. What makes it even more special is that it couldn't have happened without all of us.

And we feel great--we were personally inspired by Obama and witnessed history we never thought we'd see. We moved our friends and family to get involved in the political process and made new friendships along the way that will last far beyond November.

What an incredible night for America! We're filled with joy. We're sure you are just excited and looking forward to the Obama era. Many of you sent us messages about what you've done for this election. We are proud to know you.

Our fight is not over.

If you're looking to take advantage of lower home prices and historically low interest rates, credit is still widely available for borrowers who qualify. Qualifying for mortgages today simply means being prepared to provide documentation that supports your application. If you do have credit issues, you might want to consider government loans offered by the FHA, USDA, and VA.

If you're a first-time home buyer (someone who hasn't owned a home in the last 3 years), you may qualify for the new $7,500 tax credit. This incentive could be a valuable tool in helping you reach your homeownership dreams in today's buyer's market. There is one catch - This incentive is temporary, and expires in 2009, so don't wait.

It's important to note that Congress recently passed other legislation banning certain down-payment assistance programs, There are some VA and USDA loans that are insured by the government and allow for 100% financing to qualified borrowers. There's currently a bill in the House to overturn the ban but Congress ihas been too busy and may not get to it before the end of the year. This bill may never pass, so don't count on the government's help when you're planning your future.

If you are trying to sell, it's important to understand there are a lot of potential buyers looking to buy a home who may need creative financing options to get the deal closed. We can help and you won't have to lower your home prices. Call us we can help!

What kind of issues or problems are you facing?

"Job creation" is always a winning political phrase, but it's especially powerful in tough times like these. And though the campaigns may vary on strategy, one thing is clear in the U.S. and around the world: green jobs are booming. A new study predicts 4.2 million domestics jobs in renewable energy by 2038.

The Renewable Energy Job Creation Act of 2008, as the tax credit measure was previously known, is one of the few real pieces of economic encouragement that got bundled into the early-October package.

The world's wealthiest investors are invested in green markets.

Our national renewable energy policy got a nudge towards those goals in the bailout bill that passed last week. A separate measure to expand a more than $17 billion renewable energy tax credit program for solar, wind, and other sources was included in the financial rescue plan.

$148 billion was invested in the renewable energy sector last year. Are you getting your share of those profits?