(938,1,'2011-06-13 19:20:16','2011-06-13 19:20:16','<h2 style=\"text-align: left; padding-left: 30px;\"><strong>Chris Sommer of Hope for Homeowners Consulting and  Michael Owen of Christmas &amp; Spano discussing foreclosure defense,  legal strategies for foreclosure and how to avoid deficiency judgments.</strong></h2>\r\n<h3 style=\"padding-left: 60px;\"><strong><a href=\"http://www.youtube.com/watch?v=n0WnkY58YHg\" target=\"_blank\">Part 1 - Legal Expert Discussion on Foreclosure Suspensions &amp; Defense Strategies</a></strong></h3>\r\n<h3 style=\"padding-left: 60px;\"><strong><a href=\"http://www.youtube.com/watch?v=H5GwKAEbvrs&amp;feature=related\" target=\"_self\">Part 2 - Legal Expert Discusion on Foreclosure Suspensions &amp; Defense Strategies</a></strong></h3>\r\n<h3 style=\"padding-left: 60px;\"><strong><a href=\"http://www.youtube.com/watch?v=tEiLuiEnZ60&amp;feature=related\" target=\"_blank\">Part 3 - Legal Expert Discussion on Foreclosure Suspensions &amp; Defense Strategies</a></strong></h3>\r\n<h2 style=\"text-align: left; padding-left: 30px;\"><strong>Chris Sommer of Hope for Homeowners and Scott Hundley of CPA Tax Services discuss how to eliminate your housing tax debt.</strong></h2>\r\n<h3 style=\"padding-left: 60px;\"><a href=\"http://www.youtube.com/watch?v=21AKPBvCgMA&amp;feature=related\" target=\"_self\">Part 1 - How to Eliminate your Housing Tax Debt, with Expert CPA</a></h3>\r\n<h3 style=\"padding-left: 60px;\"><a href=\"http://www.youtube.com/watch?v=7sk14g8FKHM&amp;feature=related\" target=\"_self\">Part  2- How to Eliminate your Housing Tax Debt, with Expert CPA</a></h3>\r\n<h3 style=\"padding-left: 60px;\"><a href=\"http://www.youtube.com/watch?v=BTdITGkitX0&amp;feature=related\" target=\"_self\">Part 3 - How to Eliminate your Housing Tax Debt, with Expert CPA</a></h3>\r\n<p style=\"text-align: justify;\"><strong> </strong></p>\r\n\r\n<h2 style=\"padding-left: 30px;\"><strong>Chris Sommer of Hope for Homeowners Consulting and  Mortgage Broker Rob Sullivan discuss the latest mortgage guidelines.</strong></h2>\r\n<p style=\"padding-left: 60px;\"><strong><a title=\"Latest mortgage guidelines, rates &amp; time frames for loans after settlements Part 1\" href=\"http://www.youtube.com/watch?v=-YgHUfxnWnY&amp;feature=relmfu\" target=\"_blank\">Part 1 - Latest mortgage guidelines, rates &amp; time frames for loans after settlement</a></strong></p>\r\n<p style=\"padding-left: 60px;\"><strong><a title=\"Latest mortgage guidelines, rates &amp; time frames for loans after settlement, Part 2\" href=\"http://www.youtube.com/watch?v=3gOCrc6Lxwc&amp;feature=relmfu\" target=\"_blank\">Part 2 - Latest mortgage guidelines, rates &amp; time frames for loans after settlement</a></strong></p>\r\n\r\n<h2 style=\"padding-left: 30px;\"><strong>Additional Live Chats</strong></h2>\r\n<p style=\"padding-left: 60px;\"><strong><a title=\"Best Practices in Short Saes\" href=\"http://www.youtube.com/watch?v=nZMG3pIMS7A\" target=\"_blank\">Best Practices in processing Short Sales</a></strong></p>\r\n<p style=\"padding-left: 60px;\"><strong><a title=\"New Florida Statute allowing HOA\'s to collect Rents directly from Tenants\" href=\"http://www.youtube.com/watch?v=oAOy2-jg7g4&amp;feature=channel_video_title\" target=\"_blank\">Discussion on the New Florida Statute allowing HOA\'s to collect Rents directly from Tenants</a></strong></p>\r\n<strong> </strong><span style=\"color: #333300;\"><strong><a title=\"Best Practices in Short Saes\" href=\"http://www.youtube.com/watch?v=nZMG3pIMS7A\" target=\"_blank\"></a></strong></span><strong> </strong>','Live Chat ','','inherit','open','open','','763-revision-v1','','','2011-06-13 19:20:16','2011-06-13 19:20:16','',763,'http://h4hconsulting.com/cms/938/763-revision-28/',0,'revision','',0),(942,1,'2011-06-13 19:25:59','2011-06-13 19:25:59','<h1 style=\"text-align: center;\"><strong>Questions about foreclosure? <a href=\"http://h4hconsulting.com/cms/about/contact-us/\"><img class=\"alignright size-full wp-image-924\" title=\"free-consultationblue\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/free-consultationblue.png\" alt=\"\" width=\"148\" height=\"149\" /></a></strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Watch our Foreclosure Defense Webinar!</strong></h1>\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div id=\"_mcePaste\">\r\n<div style=\"line-height: 1.8em;\">\r\n<div><span style=\"font-family: Consolas, Monaco, \'Courier New\', Courier, monospace;\"><span style=\"line-height: 22px;\"><a href=\"http://h4hconsulting.com/cms/video-library/request-password/\" target=\"_blank\"><img class=\"aligncenter size-large wp-image-659\" title=\"chris stil shot for webinar\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/chris-stil-shot-for-webinar-1024x440.png\" alt=\"\" width=\"645\" height=\"277\" /></a></span></span></div>\r\n</div>\r\n<div style=\"line-height: 1.8em;\">\r\n<ul>\r\n	<li>Are you upside down on your home?</li>\r\n</ul>\r\n<ul>\r\n	<li>Do you know what a<a href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\"> Deficiency Judgment</a> is and how it could harm you financially?</li>\r\n</ul>\r\n<ul>\r\n	<li>What is a <a title=\"What is a strategic default?\" href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default/\">strategic default</a> and why should it concern you?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\">\r\n<ul>\r\n	<li style=\"text-align: left;\">Are you, or do you know an investor with multiple properties who\'s losing money?</li>\r\n</ul>\r\n<ul>\r\n	<li style=\"text-align: left;\">Have you recently lost a job and fallen behind on your mortgage?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>If you\'re considering short sale, foreclosure or walking away - DON\'T! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>Until you talk to the experts at Hope for Homeowners Consulting! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>\r\n</strong></div>\r\n<div style=\"line-height: 1.8em; text-align: left;\">Let us help you:</div>\r\n<div style=\"line-height: 1.8em; text-align: left;\">\r\n\r\n<strong> </strong>\r\n\r\n[caption id=\"attachment_536\" align=\"aligncenter\" width=\"300\" caption=\"Steps Process\"]<strong><strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3.jpg\"><img class=\"size-medium wp-image-536\" title=\"Your Steps to Success\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" /></a></strong></strong>[/caption]\r\n\r\n<strong> </strong>\r\n\r\n</div>\r\n</div>\r\n<div id=\"_mcePaste\"><em><strong>\r\n</strong></em></div>\r\n<div style=\"text-align: center;\"><em><strong>THERE IS HOPE FOR HOMEOWNERS!</strong></em></div>\r\n<div style=\"height: 2.2em; visibility: hidden;\">.</div>\r\n<div style=\"height: 1.2em; visibility: hidden;\">.</div>\r\n<div id=\"_mcePaste\">\r\n\r\n<em><strong> </strong></em>\r\n\r\n</div>\r\n<div><a href=\"http://h4hconsulting.com/cms/?page_id=48\"><img class=\"aligncenter size-full wp-image-58\" style=\"margin-top: 20px; margin-bottom: 20px;\" title=\"Fight Back &amp; Get Started Now!\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/start.png\" alt=\"\" width=\"300\" height=\"73\" /></a></div>','Home','','inherit','open','open','','5-revision-v1','','','2011-06-13 19:25:59','2011-06-13 19:25:59','',5,'http://h4hconsulting.com/cms/942/5-revision-104/',0,'revision','',0),(943,1,'2011-06-13 19:28:08','2011-06-13 19:28:08','<h1 style=\"text-align: center;\"><strong>Questions about foreclosure? <a href=\"http://h4hconsulting.com/cms/about/contact-us/\"><img class=\"alignright size-full wp-image-924\" title=\"free-consultationblue\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/free-consultationblue.png\" alt=\"\" width=\"148\" height=\"149\" /></a></strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Watch our Foreclosure Defense Webinar!</strong></h1>\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div id=\"_mcePaste\">\r\n<div style=\"line-height: 1.8em;\">\r\n<div><span style=\"font-family: Consolas, Monaco, \'Courier New\', Courier, monospace;\"><span style=\"line-height: 22px;\"><a href=\"http://h4hconsulting.com/cms/video-library/request-password/\" target=\"_blank\"><img class=\"aligncenter size-large wp-image-659\" title=\"chris stil shot for webinar\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/chris-stil-shot-for-webinar-1024x440.png\" alt=\"\" width=\"645\" height=\"277\" /></a></span></span></div>\r\n</div>\r\n<div style=\"line-height: 1.8em;\">\r\n<ul>\r\n	<li>Are you upside down on your home?</li>\r\n</ul>\r\n<ul>\r\n	<li>Do you know what a<a href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\"> Deficiency Judgment</a> is and how it could harm you financially?</li>\r\n</ul>\r\n<ul>\r\n	<li>What is a <a title=\"What is a strategic default?\" href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default/\">strategic default</a> and why should it concern you?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\">\r\n<ul>\r\n	<li style=\"text-align: left;\">Are you, or do you know an investor with multiple properties who\'s losing money?</li>\r\n</ul>\r\n<ul>\r\n	<li style=\"text-align: left;\">Have you recently lost a job and fallen behind on your mortgage?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>If you\'re considering short sale, foreclosure or walking away - DON\'T! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>Until you talk to the experts at Hope for Homeowners Consulting! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>\r\n</strong></div>\r\n<div style=\"line-height: 1.8em; text-align: left;\">Let us help you:</div>\r\n<div style=\"line-height: 1.8em; text-align: left;\">\r\n\r\n<strong> </strong>\r\n\r\n[caption id=\"attachment_536\" align=\"aligncenter\" width=\"300\" caption=\"Steps Process\"]<strong><strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3.jpg\"><img class=\"size-medium wp-image-536\" title=\"Your Steps to Success\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" /></a></strong></strong>[/caption]\r\n\r\n<strong> </strong>\r\n\r\n</div>\r\n</div>\r\n<div id=\"_mcePaste\"><em><strong>\r\n</strong></em></div>\r\n<div style=\"text-align: center;\"><em><strong>THERE IS HOPE FOR HOMEOWNERS!</strong></em></div>\r\n<div style=\"height: 2.2em; visibility: hidden;\">.</div>\r\n<div style=\"height: 1.2em; visibility: hidden;\">.</div>\r\n<div id=\"_mcePaste\">\r\n\r\n<em><strong> </strong></em>\r\n\r\n</div>\r\n<div><a href=\"http://h4hconsulting.com/cms/?page_id=48\"><img class=\"aligncenter size-full wp-image-58\" style=\"margin-top: 20px; margin-bottom: 20px;\" title=\"Fight Back &amp; Get Started Now!\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/start.png\" alt=\"\" width=\"300\" height=\"73\" /></a></div>','Home','','inherit','open','open','','5-revision-v1','','','2011-06-13 19:28:08','2011-06-13 19:28:08','',5,'http://h4hconsulting.com/cms/943/5-revision-105/',0,'revision','',0),(945,1,'2011-06-13 19:33:50','2011-06-13 19:33:50','<strong>Written Action Plan</strong> - a case specific, created just for you strategic analysis of your financial situation with a Cash Flow and Net Worth Assessment. The Written Action Plan starts with your goals &amp; objectives and evaluates your options according to your personal circumstances. Let the experts at Hope for Homeowners tell you which options and programs are available and which you could qualify for while striving to meet your goals as best we can.  You will be provided a, b, &amp; c options and will know what each entails. Depending on your circumstances, as each option is completed, your plan will lead you to the next favorable alternative.\r\n\r\nHope for Homeowners provides a recommended plan worksheet as well as a detailed time line to be executed by yourself or Hope for Homeowners. This time line will clarify and limit the time involved to limit your expenses while working towards your settlement plan. You will learn short term - right now - specific action items you can do to improve your situation <em>immediately</em>. We tell you what to do, how to do it, why it needs to be done and the time frame it needs to be done in. Your ‘WAP’ plan will deal with debts in both the Short &amp; Long Terms and provide milestones to when you should expect certain action items to be complete.\r\n\r\n<em>Members who enroll in Packages A&amp;B will get an abbreviated version of the Written Action Plan that is more general in nature.</em>\r\n\r\nPLEASE NOTE: We are the only consultants who create a detailed time line in writing because we believe that strongly in the process!\r\n\r\n<strong>Unlimited Email Support</strong> - Don’t rely on one specific industry expert to help you. Take advantage of the knowledge our industry wide experts have on all facets of the distressed property and foreclosure process. Our knowledgeable team will be available to answer your questions throughout the process.\r\n\r\n<strong>Mortgage Judicial Foreclosure Law Summary</strong><strong> </strong>– basic judicial foreclosure time line providing information specific to how the judicial foreclosure process works in the state of Florida.\r\n\r\n<strong>Do Not Call Letters</strong> – customizable letters in accordance with the Fair Debt Collection Practices Act to stop harassing collection calls.\r\n\r\n<strong>Monthly Newsletter</strong> – receive our monthly email with brief, useful updates that provide \"what you can do\" information about the distressed housing industry.\r\n\r\n<strong>Attorney Network &amp; Discounts</strong> – get legal information and great discounts on one-on-one phone consultations with attorneys in our network.\r\n\r\n<strong>Qualified Written Request</strong> –Created by one of the leading foreclosure attorneys in the country. Under the Real Estate Settlement Procedures Act, your mortgage company is required, under penalty for non-compliance, to answer questions pertaining to your loan. This One of a kind document can be customized to your situation and once sent to your lender, will provide full and immediate disclosure including copies of all pertinent information related to your loan. PLEASE NOTE: Once the QWR is sent to your loan company, the servicer cannot provide information to any credit agency regarding any overdue payment during the 60 day period given to the mortgage holder in accordance with the QWR.\r\n\r\n<strong>Free Consultation w/CPA</strong> – get the expertise you need with a tax law CPA as it relates to taxes and tax liability for your situation.\r\n\r\n<strong>Frequent Monitoring &amp; Status Updates – </strong>Hope for Homeowners Consulting will keep you up to date on any changes in applicable laws &amp; programs as well as follow-up to ensure you reach your goals.\r\n\r\n<strong>SCC Unit &amp; Collection Letters - </strong>Harassing phone calls from debt collectors can not only disrupt your personal life, they can impact your professional life as well. The SCC Unit is a device we lease to you that connects directly to your home phones. Our SCC Unit will manually take over collection calls and advise the caller you have retained a representative to address the purpose of their call and provide them a number to contact for future inquiries. This device will forward all collection calls to a call center where specific language will be read to caller that will initiate and reiterate the Member’s rights under FDCPA.  The creditor will be advised not to call you again as that may be considered harassment per federal and/or state law, now that the caller knows payments can be recovered. Our system also keeps a log of the creditors/collectors for you. The ‘Do Not Call’ letter will contain language to initiate protections provided to individual under the FDCP, which is designed to protect borrowers from unjust collections practices. <em>In short, you will once again be able to answer your home phone with confidence, knowing that you never have to talk to debt collectors again.</em>\r\n\r\n<strong>HAMP Loan Modification Estimate - </strong>The Home Affordable Modification Program requires a calculation of the net present value (NPV) of a modification using a formula developed by the Department of the Treasury. Hope for Homeowners uses this calculation to input certain financial information about your income and the loan. When combined with other data in the Treasury model, these inputs allow us to determine if you would qualify for a loan modification, to estimate what your loan modification savings would be and help you decide if it’s a viable option for you.\r\n\r\n<strong>Personal Consultation – </strong>Be CAREFUL – you could exclude yourself from certain options if you work on your own or with individuals not aware of all the programs and options available. Not everyone has knowledge of all of the scopes of successful settlement.  Real estate agents do real estate, bankruptcy attorneys do bankruptcy; they may not be not familiar with all of the outside industries available to call upon to assist you in the settlement process.   With Hope for Homeowners Consulting you receive all in one industry wide knowledge on all facets of the distressed housing industry, including how each area works individually and cohesively to help you maximize settlement.  There are specific  realistic expectations we <em>know</em> can be done within a certain time frame – if you’re not on that same page, you could end up delaying the process unnecessarily, and any oversights could actually come at your financial expense. With our Personal Consultation Package you gain access to our best relationships in the industry - with network discounts.  At Hope for Homeowners, we provide superior analysis due to the very unique knowledge and skill set of our expert consultants.  You will receive personal consulting to accomplish the best solution for your individual situation, including a comparative market analysis and assessment of your current financial condition. H4H Consulting will complete a detailed Written Action Plan (see Written Action Plan), develop short and long term strategies for you, and expedite the exit strategy that is best for you.\r\n\r\n<strong>Loan Modification Kit – </strong>maximize your best chance for  success under the HAMP Program. Be prepared with all the forms you need  before you go into negotiations. Learn the Best Practices &amp; Tips  from an industry expert on working through a loan modification. Let us  help you be more confident by using the all-inclusive package including:   4506 T, Financial Statement,  Loss Mitigation Phone Numbers 1 &amp; 2,  Alternatives to Foreclosure , Do Not Contact by Phone, Hardship Letter  and Guidelines, Instructions and Best Practices, Loan Modification  Checklist,  and No Tax Returns No Pay Stubs No Bank Statements Form.\r\n\r\nUse Hope for Homeowners Personal Consultation Package to save as much as you can and get the best results you can within the most realistic time frames!<strong> </strong>','Service Details','','inherit','open','open','','162-revision-7','','','2011-06-13 19:33:50','2011-06-13 19:33:50','',162,'http://h4hconsulting.com/cms/945/162-revision-7/',0,'revision','',0),(947,1,'2011-06-13 19:48:00','2011-06-13 19:48:00','','writtenactionplan2spiral','','inherit','open','open','','writtenactionplan2spiral-2','','','2011-06-13 19:48:00','2011-06-13 19:48:00','',27,'http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg',0,'attachment','image/jpeg',0),(962,1,'2011-06-13 20:42:41','2011-06-13 20:42:41','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 20:42:41','2011-06-13 20:42:41','',27,'http://h4hconsulting.com/cms/962/27-revision-44/',0,'revision','',0),(951,1,'2011-06-13 19:51:55','2011-06-13 19:51:55','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"121\" height=\"133\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a>Consulting - Hope for Homeowners Consulting provides homeowners with</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 19:51:55','2011-06-13 19:51:55','',27,'http://h4hconsulting.com/cms/951/27-revision-34/',0,'revision','',0),(948,1,'2011-06-13 18:46:21','2011-06-13 18:46:21','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 18:46:21','2011-06-13 18:46:21','',27,'http://h4hconsulting.com/cms/948/27-revision-31/',0,'revision','',0),(949,1,'2011-06-13 19:49:59','2011-06-13 19:49:59','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a>Consulting - Hope for Homeowners Consulting provides homeowners with</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-medium wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-225x300.jpg\" alt=\"\" width=\"225\" height=\"300\" /></a></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 19:49:59','2011-06-13 19:49:59','',27,'http://h4hconsulting.com/cms/949/27-revision-32/',0,'revision','',0),(950,1,'2011-06-13 19:51:44','2011-06-13 19:51:44','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"121\" height=\"133\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a>Consulting - Hope for Homeowners Consulting provides homeowners with</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-medium wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-225x300.jpg\" alt=\"\" width=\"225\" height=\"300\" /></a></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 19:51:44','2011-06-13 19:51:44','',27,'http://h4hconsulting.com/cms/950/27-revision-33/',0,'revision','',0),(952,1,'2011-06-13 19:53:26','2011-06-13 19:53:26','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"121\" height=\"133\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a>Consulting - Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 19:53:26','2011-06-13 19:53:26','',27,'http://h4hconsulting.com/cms/952/27-revision-35/',0,'revision','',0),(953,1,'2011-06-13 19:53:37','2011-06-13 19:53:37','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"121\" height=\"133\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a>Consulting - Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 19:53:37','2011-06-13 19:53:37','',27,'http://h4hconsulting.com/cms/953/27-revision-36/',0,'revision','',0),(954,1,'2011-06-13 19:54:34','2011-06-13 19:54:34','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"121\" height=\"133\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><span style=\"text-decoration: underline;\"><strong>Consulting </strong></span>- Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 19:54:34','2011-06-13 19:54:34','',27,'http://h4hconsulting.com/cms/954/27-revision-37/',0,'revision','',0),(955,1,'2011-06-13 19:56:47','2011-06-13 19:56:47','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"456\" height=\"169\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"110\" height=\"133\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><span style=\"text-decoration: underline;\"><strong>Consulting </strong></span>- Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 19:56:47','2011-06-13 19:56:47','',27,'http://h4hconsulting.com/cms/955/27-revision-38/',0,'revision','',0),(1011,1,'2011-06-22 15:33:21','2011-06-22 15:33:21','JPMorgan Chase &amp; Co. has agreed to pay $153.6 million to settle  civil fraud charges that it misled buyers of complex mortgage  investments just before the housing market collapsed.\r\n\r\nThe  settlement with the Securities and Exchange Commission announced Tuesday  is one of the most significant legal actions targeting Wall Street\'s  role in the 2008 financial crisis. It comes a year after Goldman Sachs  &amp; Co. paid $550 million to settle similar charges....<a title=\"JPMorgan to pay $153 million to settle fraud charges\" href=\"http://www2.tbo.com/news/real-estate-news/2011/jun/21/jpmorgan-to-pay-153-million-to-settle-fraud-charge-ar-238901/\" target=\"_blank\">Read More</a>','JPMorgan to pay $153 million to settle fraud charges','','publish','open','open','','rss-text-size-print-share-this-jpmorgan-to-pay-153-million-to-settle-fraud-charges','','','2011-06-22 15:34:58','2011-06-22 15:34:58','',0,'http://h4hconsulting.com/cms/?p=1011',0,'post','',0),(956,1,'2011-06-13 20:27:44','2011-06-13 20:27:44','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"456\" height=\"169\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"110\" height=\"133\" /></a></td>\r\n<td><strong>Consulting </strong>- Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 20:27:44','2011-06-13 20:27:44','',27,'http://h4hconsulting.com/cms/956/27-revision-39/',0,'revision','',0),(957,1,'2011-06-13 20:28:35','2011-06-13 20:28:35','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"456\" height=\"169\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td style=\"text-align: justify;\" width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"110\" height=\"133\" /></a></td>\r\n<td style=\"text-align: justify;\"><strong>Consulting </strong>- Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 20:28:35','2011-06-13 20:28:35','',27,'http://h4hconsulting.com/cms/957/27-revision-40/',0,'revision','',0),(958,1,'2011-06-13 20:29:21','2011-06-13 20:29:21','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"456\" height=\"169\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td style=\"text-align: left;\" width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"110\" height=\"133\" /></a></td>\r\n<td style=\"text-align: left;\"><strong>Consulting </strong>- Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 20:29:21','2011-06-13 20:29:21','',27,'http://h4hconsulting.com/cms/958/27-revision-41/',0,'revision','',0),(960,1,'2011-06-13 20:36:23','2011-06-13 20:36:23','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"456\" height=\"312\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td style=\"text-align: left;\" width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"110\" height=\"133\" /></a></td>\r\n<td style=\"text-align: left;\"><span style=\"color: #4682b4;\"><strong>Consulting </strong>-</span> Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 20:36:23','2011-06-13 20:36:23','',27,'http://h4hconsulting.com/cms/960/27-revision-43/',0,'revision','',0),(959,1,'2011-06-13 20:30:38','2011-06-13 20:30:38','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"456\" height=\"312\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td style=\"text-align: left;\" width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1.jpg\"><img class=\"alignleft size-thumbnail wp-image-947\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral1-150x150.jpg\" alt=\"\" width=\"110\" height=\"133\" /></a></td>\r\n<td style=\"text-align: left;\"><span style=\"color: #4682b4;\"><strong>Consulting </strong>-</span> Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 20:30:38','2011-06-13 20:30:38','',27,'http://h4hconsulting.com/cms/959/27-revision-42/',0,'revision','',0),(963,1,'2011-06-13 20:51:41','2011-06-13 20:51:41','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral.jpg\"><img class=\"alignnone size-medium wp-image-946\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral-225x300.jpg\" alt=\"\" width=\"108\" height=\"144\" /></a></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 20:51:41','2011-06-13 20:51:41','',27,'http://h4hconsulting.com/cms/963/27-revision-45/',0,'revision','',0),(964,1,'2011-06-13 20:53:31','2011-06-13 20:53:31','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral.jpg\"><img class=\"alignnone size-medium wp-image-946\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral-225x300.jpg\" alt=\"\" width=\"108\" height=\"144\" /></a></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td>Consulting - Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 20:53:31','2011-06-13 20:53:31','',27,'http://h4hconsulting.com/cms/964/27-revision-46/',0,'revision','',0),(966,1,'2011-06-13 21:03:38','2011-06-13 21:03:38','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral.jpg\"><img class=\"alignnone size-medium wp-image-946\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral-225x300.jpg\" alt=\"\" width=\"108\" height=\"144\" /></a></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=13\">Consulting</a> </strong>- Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 21:03:38','2011-06-13 21:03:38','',27,'http://h4hconsulting.com/cms/966/27-revision-48/',0,'revision','',0),(965,1,'2011-06-13 20:56:08','2011-06-13 20:56:08','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral.jpg\"><img class=\"alignnone size-medium wp-image-946\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral-225x300.jpg\" alt=\"\" width=\"108\" height=\"144\" /></a></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=13\">Consulting</a> </strong>- Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> </a>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.<a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-97\" title=\"services_14\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_14.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></strong></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"> Credit Repair</a></strong> Your situation is unique. And our personal approach to credit repair utilizes the widest range of tools available to address your requirements - and insure that you get the results you deserve. We will evaluate your credit reports and develop a plan based on your needs. And as we continue to manage your account we will tailor our services to events as they arise.  Whether you need to clean up your credit reports, rebuild your credit, boost your credit scores, or deal with active collection accounts, we offer the most appropriate and efficient solution.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td>Consulting - Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td width=\"125\" valign=\"top\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img title=\"services_07\" src=\"../wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong></strong></a><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Loan Modification</strong></a> A mortgage modification generally occurs when both parties (borrower  and lender) to a problem loan mutually agree to work out the issues by  creating new and better loan terms. The hope is that the new improved  mortgage will enable the borrower to meet their obligations and avoid  foreclosure. But is a loan modification the best solution? We can help  you find the best option for your situation.</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-06-13 20:56:08','2011-06-13 20:56:08','',27,'http://h4hconsulting.com/cms/965/27-revision-47/',0,'revision','',0),(967,1,'2011-06-13 18:42:25','2011-06-13 18:42:25','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>Located in South Tampa, Florida, Hope for Homeowners Consulting is an attorney backed, OFR vetted distressed property and foreclosure consulting company run by a team of real estate and legal experts with over 23 years of combined experience. It is the objective of Hope for Homeowners Consulting to empower homeowners who purchased their homes at the peak of the real estate market to take control of their financial future.\r\nCo-Founders Chris Sommer and Matt Mitcham, Esq. began with the goal of helping homeowners navigate through the distressed property/foreclosure process and understand foreclosure consequences by providing tools, resources, affordable legal and tax help, support and peace of mind.  Since 2009, Hope for Homeowners Consulting has helped many homeowners prepare and strategically navigate through the distressed property and foreclosure process.&nbsp;\r\n\r\nWe strive to help homeowners understand their rights and know their options by  developing a personalized plan for our members who seek assistance through their distressed property/foreclosure situation. We help members understand and minimize foreclosure consequences, while offering unlimited support and individual attention. Helping homeowners on the front lines of this market and economy, Hope for Homeowners Consulting is the one of the leading authorities on foreclosure laws &amp; consequences.\r\n\r\n<strong>Management Team</strong><strong> </strong>\r\n\r\n<strong>Chris Sommer</strong>\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/Chris-small-S.-BUS-crd-pic-e1279124034397.jpg\"><img class=\"size-thumbnail wp-image-240 alignleft\" title=\"Chris small S. BUS crd pic\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/Chris-small-S.-BUS-crd-pic-e1279124034397-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>Chris Sommer has been Managing Director of Hope for Homeowner’s Consulting, LLC since 2009.  He is a Mortgage Broker and Licensed Realtor under Mark Campbell at Tampa Real Estate Services.  With over fourteen years combined experience in banking, finance, real estate and legal services, Chris realized that with this deep recession and housing crisis many homeowners were being taken advantage of by the lenders or those who were attempting to help them.  He routinely witnessed homeowners excluding themselves from certain options by working on their own or with individuals not aware of all the programs and options available. Real estate agents do real estate, bankruptcy attorneys do bankruptcy; they may not be not familiar with all of the outside industries available to call upon to assist you in the settlement process.  Not everyone has knowledge of all of the scopes of successful settlement.  Chris realized that there was an enormous lack of good information available to homeowners.  With that understanding and entrepreneurial drive, Chris helped form Hope for Homeowners Consulting by developing an affordable business model that allows homeowners to know and understand their rights, understand foreclosure consequences, leverage industry knowledge &amp; programs, and use the law to their advantage.\r\n\r\nChris Sommer and his wife are proud parents to a beautiful baby girl!\r\n\r\n<strong>Mortgage Broker Lic# 380111</strong>\r\n\r\n<img src=\"file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/moz-screenshot-10.png\" alt=\"\" />\r\n\r\n<img src=\"file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/moz-screenshot-8.png\" alt=\"\" />\r\n\r\n<img src=\"file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/moz-screenshot-9.png\" alt=\"\" />\r\n\r\n<img src=\"file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/moz-screenshot-7.png\" alt=\"\" />\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/NMLS-Logo.thumbnail.jpg\"><img class=\"size-full wp-image-899 alignnone\" title=\"NMLS Logo.thumbnail\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/NMLS-Logo.thumbnail.jpg\" alt=\"\" width=\"80\" height=\"51\" /></a><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/realtor-s1.gif\"><img class=\"alignnone size-full wp-image-900\" title=\"realtor-s\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/realtor-s1.gif\" alt=\"\" width=\"50\" height=\"50\" /></a>\r\n\r\n<strong>Matt Mitcham, Esq.</strong>\r\n\r\n<strong> </strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/Matt-picture-cropped22.png\"><img class=\"alignleft size-thumbnail wp-image-247\" title=\"Matt picture cropped2\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/Matt-picture-cropped22-150x150.png\" alt=\"\" width=\"150\" height=\"150\" /></a>Matt Mitcham is an owner and general counsel of Hope for Homeowners Consulting.  Matt focuses his practice on FORECLOSURE DEFENSE, DEFENSE FROM CREDITORS, LOSS MITIGATION, MOTIONS (for early termination of probation, modifications of terms and conditions), FAMILY LAW (contested/uncontested divorces, post judgment matters).\r\n- Son of retired criminal circuit court Judge B. Anderson Mitcham\r\n- Graduated from Jesuit High School 1995\r\n- Graduated with B.A. degree from University of Florida 1998\r\n- Graduated with Juris Doctorate degree from Stetson College of Law 2001\r\n- Certified legal intern with the Hillsborough County State Attorney\'s Office\r\n- Admitted to Florida Bar 2001\r\n- Admitted to the Supreme Court of Florida 2001\r\n- Admitted to the United States Supreme Court 2005\r\n- Admitted to the United States Middle District of Florida Court 2005\r\n- Former Assistant State Attorney with the Hillsborough County State Attorney\'s Office handling DUI, traffic, misdemeanor, juvenile, felony cases - 13th Judicial Circuit - Hillsborough County\r\n- Graduated from Florida Prosecuting Attorney\'s DUI &amp; Advanced DUI Schools\r\n- Adjunct professor at Southwest Florida College\r\n\r\nMatt was born and raised in Tampa, Florida.\r\n\r\n&nbsp;</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','About Us','','inherit','open','open','','2-revision-v1','','','2011-06-13 18:42:25','2011-06-13 18:42:25','',2,'http://h4hconsulting.com/cms/967/2-revision-29/',0,'revision','',0),(968,1,'2011-06-13 21:05:13','2011-06-13 21:05:13','<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td>Located in South Tampa, Florida, Hope for Homeowners Consulting is an attorney backed, Office of Financial Regulation vetted distressed property and foreclosure consulting company run by a team of real estate and legal experts with over 23 years of combined experience. It is the objective of Hope for Homeowners Consulting to empower homeowners who purchased their homes at the peak of the real estate market to take control of their financial future.\r\nCo-Founders Chris Sommer and Matt Mitcham, Esq. began with the goal of helping homeowners navigate through the distressed property/foreclosure process and understand foreclosure consequences by providing tools, resources, affordable legal and tax help, support and peace of mind.  Since 2009, Hope for Homeowners Consulting has helped many homeowners prepare and strategically navigate through the distressed property and foreclosure process.&nbsp;\r\n\r\nWe strive to help homeowners understand their rights and know their options by  developing a personalized plan for our members who seek assistance through their distressed property/foreclosure situation. We help members understand and minimize foreclosure consequences, while offering unlimited support and individual attention. Helping homeowners on the front lines of this market and economy, Hope for Homeowners Consulting is the one of the leading authorities on foreclosure laws &amp; consequences.\r\n\r\n<strong>Management Team</strong><strong> </strong>\r\n\r\n<strong>Chris Sommer</strong>\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/Chris-small-S.-BUS-crd-pic-e1279124034397.jpg\"><img class=\"size-thumbnail wp-image-240 alignleft\" title=\"Chris small S. BUS crd pic\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/Chris-small-S.-BUS-crd-pic-e1279124034397-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>Chris Sommer has been Managing Director of Hope for Homeowner’s Consulting, LLC since 2009.  He is a Mortgage Broker and Licensed Realtor under Mark Campbell at Tampa Real Estate Services.  With over fourteen years combined experience in banking, finance, real estate and legal services, Chris realized that with this deep recession and housing crisis many homeowners were being taken advantage of by the lenders or those who were attempting to help them.  He routinely witnessed homeowners excluding themselves from certain options by working on their own or with individuals not aware of all the programs and options available. Real estate agents do real estate, bankruptcy attorneys do bankruptcy; they may not be not familiar with all of the outside industries available to call upon to assist you in the settlement process.  Not everyone has knowledge of all of the scopes of successful settlement.  Chris realized that there was an enormous lack of good information available to homeowners.  With that understanding and entrepreneurial drive, Chris helped form Hope for Homeowners Consulting by developing an affordable business model that allows homeowners to know and understand their rights, understand foreclosure consequences, leverage industry knowledge &amp; programs, and use the law to their advantage.\r\n\r\nChris Sommer and his wife are proud parents to a beautiful baby girl!\r\n\r\n<strong>Mortgage Broker Lic# 380111</strong>\r\n\r\n<img src=\"file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/moz-screenshot-10.png\" alt=\"\" />\r\n\r\n<img src=\"file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/moz-screenshot-8.png\" alt=\"\" />\r\n\r\n<img src=\"file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/moz-screenshot-9.png\" alt=\"\" />\r\n\r\n<img src=\"file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/moz-screenshot-7.png\" alt=\"\" />\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/NMLS-Logo.thumbnail.jpg\"><img class=\"size-full wp-image-899 alignnone\" title=\"NMLS Logo.thumbnail\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/NMLS-Logo.thumbnail.jpg\" alt=\"\" width=\"80\" height=\"51\" /></a><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/realtor-s1.gif\"><img class=\"alignnone size-full wp-image-900\" title=\"realtor-s\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/realtor-s1.gif\" alt=\"\" width=\"50\" height=\"50\" /></a>\r\n\r\n<strong>Matt Mitcham, Esq.</strong>\r\n\r\n<strong> </strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/Matt-picture-cropped22.png\"><img class=\"alignleft size-thumbnail wp-image-247\" title=\"Matt picture cropped2\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/Matt-picture-cropped22-150x150.png\" alt=\"\" width=\"150\" height=\"150\" /></a>Matt Mitcham is an owner and general counsel of Hope for Homeowners Consulting.  Matt focuses his practice on FORECLOSURE DEFENSE, DEFENSE FROM CREDITORS, LOSS MITIGATION, MOTIONS (for early termination of probation, modifications of terms and conditions), FAMILY LAW (contested/uncontested divorces, post judgment matters).\r\n- Son of retired criminal circuit court Judge B. Anderson Mitcham\r\n- Graduated from Jesuit High School 1995\r\n- Graduated with B.A. degree from University of Florida 1998\r\n- Graduated with Juris Doctorate degree from Stetson College of Law 2001\r\n- Certified legal intern with the Hillsborough County State Attorney\'s Office\r\n- Admitted to Florida Bar 2001\r\n- Admitted to the Supreme Court of Florida 2001\r\n- Admitted to the United States Supreme Court 2005\r\n- Admitted to the United States Middle District of Florida Court 2005\r\n- Former Assistant State Attorney with the Hillsborough County State Attorney\'s Office handling DUI, traffic, misdemeanor, juvenile, felony cases - 13th Judicial Circuit - Hillsborough County\r\n- Graduated from Florida Prosecuting Attorney\'s DUI &amp; Advanced DUI Schools\r\n- Adjunct professor at Southwest Florida College\r\n\r\nMatt was born and raised in Tampa, Florida.\r\n\r\n&nbsp;</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','About Us','','inherit','open','open','','2-revision-v1','','','2011-06-13 21:05:13','2011-06-13 21:05:13','',2,'http://h4hconsulting.com/cms/968/2-revision-30/',0,'revision','',0),(970,1,'2011-06-15 20:22:56','2011-06-15 20:22:56','he author of a study claiming the U.S. housing collapse is now worse  than during the Great Depression warned Wednesday that the market likely  will continue to fall for the rest of the year before going stagnant.\n<div>Read more: <a href=\"http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/#ixzz1PNVf5XjD\">http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/#ixzz1PNVf5XjD</a></div>','Study Shows Housing Collapse Steeper Than During Great Depression  ','','inherit','open','open','','969-revision','','','2011-06-15 20:22:56','2011-06-15 20:22:56','',969,'http://h4hconsulting.com/cms/970/969-revision/',0,'revision','',0),(971,1,'2011-06-15 20:23:38','2011-06-15 20:23:38','he author of a study claiming the U.S. housing collapse is now worse  than during the Great Depression warned Wednesday that the market likely  will continue to fall for the rest of the year before going stagnant.\r\n<div>Read more:<a title=\"Study shows Housing Collapse Steeper Than During Great Depression\" href=\"http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/\" target=\"_blank\"> http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/#ixzz1PNVf5XjD</a></div>','Study Shows Housing Collapse Steeper Than During Great Depression  ','','inherit','open','open','','969-revision-2','','','2011-06-15 20:23:38','2011-06-15 20:23:38','',969,'http://h4hconsulting.com/cms/971/969-revision-2/',0,'revision','',0),(972,1,'2011-06-15 20:23:56','2011-06-15 20:23:56','The author of a study claiming the U.S. housing collapse is now worse  than during the Great Depression warned Wednesday that the market likely  will continue to fall for the rest of the year before going stagnant.\n<div>Read more:<a title=\"Study shows Housing Collapse Steeper Than During Great Depression\" href=\"http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/\" target=\"_blank\"> http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/#ixzz1PNVf5XjD</a></div>','Study Shows Housing Collapse Steeper Than During Great Depression  ','','inherit','open','open','','969-revision-3','','','2011-06-15 20:23:56','2011-06-15 20:23:56','',969,'http://h4hconsulting.com/cms/972/969-revision-3/',0,'revision','',0),(973,1,'2011-06-15 20:24:33','2011-06-15 20:24:33','The author of a study claiming the U.S. housing collapse is now worse  than during the Great Depression warned Wednesday that the market likely  will continue to fall for the rest of the year before going stagnant.\r\n<div>Read more:<a title=\"Study shows Housing Collapse Steeper Than During Great Depression\" href=\"http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/\" target=\"_blank\"> http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/#ixzz1PNVf5XjD</a></div>','Study Shows Housing Collapse Steeper Than During Great Depression  ','','inherit','open','open','','969-revision-4','','','2011-06-15 20:24:33','2011-06-15 20:24:33','',969,'http://h4hconsulting.com/cms/973/969-revision-4/',0,'revision','',0),(1016,1,'2011-06-23 15:09:53','2011-06-23 15:09:53','Ok so we know this has nothing to do with homes or mortgages or even foreclosures....But it does have something to do with family and at Hope for Homeowners Consulting family is very important to us.  Read the article below on why you should keep your loved ones away from the hospital in July!\r\n\r\nTypically, medical students graduate in June and begin their first year  of residency training — internship — in July. This group of eager new  interns invades the hospital to learn, care for patients, and make  medical decisions. One problem. They don’t know what they’re doing.  <a title=\"Why you should never go to the hospital in July\" href=\"http://thechart.blogs.cnn.com/2011/06/22/why-you-should-never-go-to-the-hospital-in-july/\" target=\"_blank\">Read More..</a>','Why you should never go to the hospital in July','','publish','open','open','','why-you-should-never-go-to-the-hospital-in-july','','','2011-06-23 15:10:48','2011-06-23 15:10:48','',0,'http://h4hconsulting.com/cms/?p=1016',0,'post','',0),(975,1,'2011-06-15 20:28:14','2011-06-15 20:28:14','The author of a study claiming the U.S. housing collapse is now worse  than during the Great Depression warned Wednesday that the market likely  will continue to fall for the rest of the year before going stagnant.\n<div>Read more:<a title=\"Study shows Housing Collapse Steeper Than During Great Depression\" href=\"http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/\" target=\"_blank\"> http://www.foxnews.com/politics/2011/06/15/housing-collapse-steeper-than-during-great-depression-analyst-says/#ixzz1PNVf5XjD</a></div>','Study Shows Housing Collapse Steeper Than During Great Depression  ','','inherit','open','open','','969-autosave','','','2011-06-15 20:28:14','2011-06-15 20:28:14','',969,'http://h4hconsulting.com/cms/975/969-autosave/',0,'revision','',0),(977,1,'2011-06-16 16:14:40','2011-06-16 16:14:40','<a title=\"No license required for saltwater fishing this weekend\" href=\"http://www.abcactionnews.com/dpp/news/state/florida-saltwater-fishing-to-be-free-this-weekend\" target=\"_blank\">The Florida Fish and Wildlife Conservation Commission on Wednesday  announced that no license will be required Saturday and Sunday, which is  Father\'s Day....Read More</a>','No Fishing Licensed required for Saltwater Fishing this Weekend for Father\'s Day!','','inherit','open','open','','976-revision','','','2011-06-16 16:14:40','2011-06-16 16:14:40','',976,'http://h4hconsulting.com/cms/977/976-revision/',0,'revision','',0),(978,1,'2011-06-16 16:14:46','2011-06-16 16:14:46','<a title=\"No license required for saltwater fishing this weekend\" href=\"http://www.abcactionnews.com/dpp/news/state/florida-saltwater-fishing-to-be-free-this-weekend\" target=\"_blank\">The Florida Fish and Wildlife Conservation Commission on Wednesday  announced that no license will be required Saturday and Sunday, which is  Father\'s Day....Read More</a>','No Fishing Licensed required for Saltwater Fishing this Weekend for Father\'s Day!','','inherit','open','open','','976-revision-2','','','2011-06-16 16:14:46','2011-06-16 16:14:46','',976,'http://h4hconsulting.com/cms/978/976-revision-2/',0,'revision','',0),(979,1,'2011-06-16 16:15:45','2011-06-16 16:15:45','<a title=\"No license required for saltwater fishing this weekend\" href=\"http://www.abcactionnews.com/dpp/news/state/florida-saltwater-fishing-to-be-free-this-weekend\" target=\"_blank\">The Florida Fish and Wildlife Conservation Commission on Wednesday  announced that no license will be required Saturday and Sunday, which is  Father\'s Day....Read More</a>','No Fishing Licensed required for Saltwater Fishing this Weekend for Father\'s Day!','','inherit','open','open','','976-revision-3','','','2011-06-16 16:15:45','2011-06-16 16:15:45','',976,'http://h4hconsulting.com/cms/979/976-revision-3/',0,'revision','',0),(980,1,'2011-06-16 17:40:03','2011-06-16 17:40:03','Last year, the total of large-scale floods, tornadoes, hurricanes and  the like climbed to 81. Few states are immune to natural disasters, and  each event affects thousands of homeowners who are forced to cope with  the physical and emotional damage, as well as the prospect of perhaps  not being able to manage their mortgage payments....<a title=\"Do you have to pay your mortgage if your house is destroyed?\" href=\"http://library.hsh.com/articles/homeowners-repeat-buyers/do-you-have-to-pay-your-mortgage-if-your-house-is-destroyed.html?WT.qs_osrc=fxb\" target=\"_blank\">Read More...</a>','Do you have to pay your mortgage if your house is destroyed?','','publish','open','open','','do-you-have-to-pay-your-mortgage-if-your-house-is-destroyed','','','2011-06-16 17:40:03','2011-06-16 17:40:03','',0,'http://h4hconsulting.com/cms/?p=980',0,'post','',0),(981,1,'2011-06-16 17:39:24','2011-06-16 17:39:24','Last year, the total of large-scale floods, tornadoes, hurricanes and  the like climbed to 81. Few states are immune to natural disasters, and  each event affects thousands of homeowners who are forced to cope with  the physical and emotional damage, as well as the prospect of perhaps  not being able to manage their mortgage payments....<a title=\"Do you have to pay your mortgage if your house is destroyed?\" href=\"http://library.hsh.com/articles/homeowners-repeat-buyers/do-you-have-to-pay-your-mortgage-if-your-house-is-destroyed.html?WT.qs_osrc=fxb\" target=\"_blank\">Read More...</a>','Do you have to pay your mortgage if your house is destroyed?','','inherit','open','open','','980-revision','','','2011-06-16 17:39:24','2011-06-16 17:39:24','',980,'http://h4hconsulting.com/cms/981/980-revision/',0,'revision','',0),(982,1,'2011-06-16 17:39:29','2011-06-16 17:39:29','Last year, the total of large-scale floods, tornadoes, hurricanes and  the like climbed to 81. Few states are immune to natural disasters, and  each event affects thousands of homeowners who are forced to cope with  the physical and emotional damage, as well as the prospect of perhaps  not being able to manage their mortgage payments....<a title=\"Do you have to pay your mortgage if your house is destroyed?\" href=\"http://library.hsh.com/articles/homeowners-repeat-buyers/do-you-have-to-pay-your-mortgage-if-your-house-is-destroyed.html?WT.qs_osrc=fxb\" target=\"_blank\">Read More...</a>','Do you have to pay your mortgage if your house is destroyed?','','inherit','open','open','','980-revision-2','','','2011-06-16 17:39:29','2011-06-16 17:39:29','',980,'http://h4hconsulting.com/cms/982/980-revision-2/',0,'revision','',0),(983,1,'2011-06-20 15:26:51','2011-06-20 15:26:51','Homebuyers who have a credit score of 580 or better and a down payment  of at least 3.5 percent of the home\'s purchase price might seem like  good candidates for an FHA loan, insured by the Federal Housing  Administration. But whether these borrowers will qualify for such a loan  isn\'t quite so simple....<a title=\"Federal Housing Administration gets tough on FHA loans\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/WMAR_federal-housing-administration-gets-tough-on-fha-loans1307460694408\" target=\"_blank\">Read More.</a>','Federal Housing Administration gets tough on FHA loans','','publish','open','open','','federal-housing-administration-gets-tough-on-fha-loans','','','2011-06-20 15:26:51','2011-06-20 15:26:51','',0,'http://h4hconsulting.com/cms/?p=983',0,'post','',0),(984,1,'2011-06-20 15:26:04','2011-06-20 15:26:04','Homebuyers who have a credit score of 580 or better and a down payment  of at least 3.5 percent of the home\'s purchase price might seem like  good candidates for an FHA loan, insured by the Federal Housing  Administration. But whether these borrowers will qualify for such a loan  isn\'t quite so simple....<a title=\"Federal Housing Administration gets tough on FHA loans\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/WMAR_federal-housing-administration-gets-tough-on-fha-loans1307460694408\" target=\"_blank\">Read More.</a>','Federal Housing Administration gets tough on FHA loans','','inherit','open','open','','983-revision','','','2011-06-20 15:26:04','2011-06-20 15:26:04','',983,'http://h4hconsulting.com/cms/984/983-revision/',0,'revision','',0),(985,1,'2011-06-20 15:26:13','2011-06-20 15:26:13','Homebuyers who have a credit score of 580 or better and a down payment  of at least 3.5 percent of the home\'s purchase price might seem like  good candidates for an FHA loan, insured by the Federal Housing  Administration. But whether these borrowers will qualify for such a loan  isn\'t quite so simple....<a title=\"Federal Housing Administration gets tough on FHA loans\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/WMAR_federal-housing-administration-gets-tough-on-fha-loans1307460694408\" target=\"_blank\">Read More.</a>','Federal Housing Administration gets tough on FHA loans','','inherit','open','open','','983-revision-2','','','2011-06-20 15:26:13','2011-06-20 15:26:13','',983,'http://h4hconsulting.com/cms/985/983-revision-2/',0,'revision','',0),(986,1,'2011-06-20 15:27:59','2011-06-20 15:27:59','Homebuyers who have a credit score of 580 or better and a down payment  of at least 3.5 percent of the home\'s purchase price might seem like  good candidates for an FHA loan, insured by the Federal Housing  Administration. But whether these borrowers will qualify for such a loan  isn\'t quite so simple....<a title=\"Federal Housing Administration gets tough on FHA loans\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/WMAR_federal-housing-administration-gets-tough-on-fha-loans1307460694408\" target=\"_blank\">Read More.</a>','Federal Housing Administration gets tough on FHA loans','','inherit','open','open','','983-autosave','','','2011-06-20 15:27:59','2011-06-20 15:27:59','',983,'http://h4hconsulting.com/cms/986/983-autosave/',0,'revision','',0),(991,1,'2011-06-20 16:20:04','2011-06-20 16:20:04','<div style=\"line-height: 1.8em;\">\r\n<ul>\r\n	<li>Are you upside down on your home?\r\n<h1 style=\"text-align: center;\"><strong><strong><a href=\"http://h4hconsulting.com/cms/about/contact-us/\"><img class=\"alignright size-full wp-image-924\" title=\"free-consultationblue\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/free-consultationblue.png\" alt=\"\" width=\"148\" height=\"149\" /></a></strong></strong></h1>\r\n</li>\r\n</ul>\r\n<ul>\r\n	<li>Do you know what a<a href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\"> Deficiency Judgment</a> is and how it could harm you financially?</li>\r\n</ul>\r\n<ul>\r\n	<li>What is a <a title=\"What is a strategic default?\" href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default/\">strategic default</a> and why should it concern you?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\">\r\n<ul>\r\n	<li style=\"text-align: left;\">Are you, or do you know an investor with multiple properties who\'s losing money?</li>\r\n</ul>\r\n<ul>\r\n	<li style=\"text-align: left;\">Have you recently lost a job and fallen behind on your mortgage?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>If you\'re considering short sale, foreclosure or walking away - DON\'T! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>Until you talk to the experts at Hope for Homeowners Consulting! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>\r\n</strong></div>\r\nLet us help you:\r\n\r\n[caption id=\"attachment_536\" align=\"aligncenter\" width=\"300\" caption=\"Steps Process\"]<strong><strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3.jpg\"><img class=\"size-medium wp-image-536\" title=\"Your Steps to Success\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" /></a></strong></strong>[/caption]\r\n<h1 style=\"text-align: center;\"><strong>Questions about foreclosure? </strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Watch our Foreclosure Defense Webinar!</strong></h1>\r\n&nbsp;\r\n<div id=\"_mcePaste\">\r\n<div style=\"line-height: 1.8em;\">\r\n<div><span style=\"font-family: Consolas, Monaco, \'Courier New\', Courier, monospace;\"><span style=\"line-height: 22px;\"><a href=\"http://h4hconsulting.com/cms/video-library/request-password/\" target=\"_blank\"><img class=\"aligncenter size-large wp-image-659\" title=\"chris stil shot for webinar\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/chris-stil-shot-for-webinar-1024x440.png\" alt=\"\" width=\"645\" height=\"277\" /></a></span></span></div>\r\n</div>\r\n<strong> </strong>\r\n\r\n</div>\r\n<div style=\"text-align: center;\"><em><strong>THERE IS HOPE FOR HOMEOWNERS!</strong></em></div>\r\n<div style=\"height: 2.2em; visibility: hidden;\">.</div>\r\n<div style=\"height: 1.2em; visibility: hidden;\">.</div>\r\n<div id=\"_mcePaste\">\r\n\r\n<em><strong> </strong></em>\r\n\r\n</div>\r\n<div><a href=\"http://h4hconsulting.com/cms/?page_id=48\"><img class=\"aligncenter size-full wp-image-58\" style=\"margin-top: 20px; margin-bottom: 20px;\" title=\"Fight Back &amp; Get Started Now!\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/start.png\" alt=\"\" width=\"300\" height=\"73\" /></a></div>','Home','','inherit','open','open','','5-revision-v1','','','2011-06-20 16:20:04','2011-06-20 16:20:04','',5,'http://h4hconsulting.com/cms/991/5-revision-110/',0,'revision','',0),(990,1,'2011-06-20 16:19:49','2011-06-20 16:19:49','<div style=\"line-height: 1.8em;\">\r\n<ul>\r\n	<li>Are you upside down on your home?\r\n<h1 style=\"text-align: center;\"><strong><strong><a href=\"http://h4hconsulting.com/cms/about/contact-us/\"><img class=\"alignright size-full wp-image-924\" title=\"free-consultationblue\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/free-consultationblue.png\" alt=\"\" width=\"148\" height=\"149\" /></a></strong></strong></h1>\r\n</li>\r\n</ul>\r\n<ul>\r\n	<li>Do you know what a<a href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\"> Deficiency Judgment</a> is and how it could harm you financially?</li>\r\n</ul>\r\n<ul>\r\n	<li>What is a <a title=\"What is a strategic default?\" href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default/\">strategic default</a> and why should it concern you?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\">\r\n<ul>\r\n	<li style=\"text-align: left;\">Are you, or do you know an investor with multiple properties who\'s losing money?</li>\r\n</ul>\r\n<ul>\r\n	<li style=\"text-align: left;\">Have you recently lost a job and fallen behind on your mortgage?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>If you\'re considering short sale, foreclosure or walking away - DON\'T! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>Until you talk to the experts at Hope for Homeowners Consulting! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>\r\n</strong></div>\r\nLet us help you:\r\n\r\n[caption id=\"attachment_536\" align=\"aligncenter\" width=\"300\" caption=\"Steps Process\"]<strong><strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3.jpg\"><img class=\"size-medium wp-image-536\" title=\"Your Steps to Success\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" /></a></strong></strong>[/caption]\r\n<h1 style=\"text-align: center;\"></h1>\r\n<h1 style=\"text-align: center;\"><strong>Questions about foreclosure? </strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Watch our Foreclosure Defense Webinar!</strong></h1>\r\n&nbsp;\r\n<div id=\"_mcePaste\">\r\n<div style=\"line-height: 1.8em;\">\r\n<div><span style=\"font-family: Consolas, Monaco, \'Courier New\', Courier, monospace;\"><span style=\"line-height: 22px;\"><a href=\"http://h4hconsulting.com/cms/video-library/request-password/\" target=\"_blank\"><img class=\"aligncenter size-large wp-image-659\" title=\"chris stil shot for webinar\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/chris-stil-shot-for-webinar-1024x440.png\" alt=\"\" width=\"645\" height=\"277\" /></a></span></span></div>\r\n</div>\r\n<strong> </strong>\r\n\r\n</div>\r\n<div style=\"text-align: center;\"><em><strong>THERE IS HOPE FOR HOMEOWNERS!</strong></em></div>\r\n<div style=\"height: 2.2em; visibility: hidden;\">.</div>\r\n<div style=\"height: 1.2em; visibility: hidden;\">.</div>\r\n<div id=\"_mcePaste\">\r\n\r\n<em><strong> </strong></em>\r\n\r\n</div>\r\n<div><a href=\"http://h4hconsulting.com/cms/?page_id=48\"><img class=\"aligncenter size-full wp-image-58\" style=\"margin-top: 20px; margin-bottom: 20px;\" title=\"Fight Back &amp; Get Started Now!\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/start.png\" alt=\"\" width=\"300\" height=\"73\" /></a></div>','Home','','inherit','open','open','','5-revision-v1','','','2011-06-20 16:19:49','2011-06-20 16:19:49','',5,'http://h4hconsulting.com/cms/990/5-revision-109/',0,'revision','',0),(992,1,'2011-06-20 16:20:19','2011-06-20 16:20:19','<div style=\"line-height: 1.8em;\">\r\n<ul>\r\n	<li>Are you upside down on your home?\r\n<h1 style=\"text-align: center;\"><strong><strong><a href=\"http://h4hconsulting.com/cms/about/contact-us/\"><img class=\"alignright size-full wp-image-924\" title=\"free-consultationblue\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/free-consultationblue.png\" alt=\"\" width=\"148\" height=\"149\" /></a></strong></strong></h1>\r\n</li>\r\n</ul>\r\n<ul>\r\n	<li>Do you know what a<a href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\"> Deficiency Judgment</a> is and how it could harm you financially?</li>\r\n</ul>\r\n<ul>\r\n	<li>What is a <a title=\"What is a strategic default?\" href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default/\">strategic default</a> and why should it concern you?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\">\r\n<ul>\r\n	<li style=\"text-align: left;\">Are you, or do you know an investor with multiple properties who\'s losing money?</li>\r\n</ul>\r\n<ul>\r\n	<li style=\"text-align: left;\">Have you recently lost a job and fallen behind on your mortgage?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>If you\'re considering short sale, foreclosure or walking away - DON\'T! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>Until you talk to the experts at Hope for Homeowners Consulting! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>\r\n</strong></div>\r\nLet us help you:\r\n\r\n[caption id=\"attachment_536\" align=\"aligncenter\" width=\"300\" caption=\"Steps Process\"]<strong><strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3.jpg\"><img class=\"size-medium wp-image-536\" title=\"Your Steps to Success\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" /></a></strong></strong>[/caption]\r\n<h1 style=\"text-align: center;\"><strong>Questions about foreclosure? </strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Watch our Foreclosure Defense Webinar!</strong></h1>\r\n&nbsp;\r\n<div id=\"_mcePaste\">\r\n<div style=\"line-height: 1.8em;\">\r\n<div><span style=\"font-family: Consolas, Monaco, \'Courier New\', Courier, monospace;\"><span style=\"line-height: 22px;\"><a href=\"http://h4hconsulting.com/cms/video-library/request-password/\" target=\"_blank\"><img class=\"aligncenter size-large wp-image-659\" title=\"chris stil shot for webinar\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/chris-stil-shot-for-webinar-1024x440.png\" alt=\"\" width=\"645\" height=\"277\" /></a></span></span></div>\r\n</div>\r\n<strong> </strong>\r\n\r\n</div>\r\n<div style=\"text-align: center;\"><em><strong>THERE IS HOPE FOR HOMEOWNERS!</strong></em></div>\r\n<div style=\"height: 2.2em; visibility: hidden;\">.</div>\r\n<div style=\"height: 1.2em; visibility: hidden;\">.</div>\r\n<div id=\"_mcePaste\">\r\n\r\n<em><strong> </strong></em>\r\n\r\n</div>\r\n<div><a href=\"http://h4hconsulting.com/cms/?page_id=48\"><img class=\"aligncenter size-full wp-image-58\" style=\"margin-top: 20px; margin-bottom: 20px;\" title=\"Fight Back &amp; Get Started Now!\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/start.png\" alt=\"\" width=\"300\" height=\"73\" /></a></div>','Home','','inherit','open','open','','5-revision-v1','','','2011-06-20 16:20:19','2011-06-20 16:20:19','',5,'http://h4hconsulting.com/cms/992/5-revision-111/',0,'revision','',0),(994,1,'2011-06-20 16:22:15','2011-06-20 16:22:15','<div style=\"line-height: 1.8em;\">\r\n<ul>\r\n	<li>Are you upside down on your home?\r\n<h1 style=\"text-align: center;\"><strong><strong><a href=\"http://h4hconsulting.com/cms/about/contact-us/\"><img class=\"alignright size-full wp-image-924\" title=\"free-consultationblue\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/free-consultationblue.png\" alt=\"\" width=\"148\" height=\"149\" /></a></strong></strong></h1>\r\n</li>\r\n</ul>\r\n<ul>\r\n	<li>Do you know what a<a href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\"> Deficiency Judgment</a> is and how it could harm you financially?</li>\r\n</ul>\r\n<ul>\r\n	<li>What is a <a title=\"What is a strategic default?\" href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default/\">strategic default</a> and why should it concern you?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\">\r\n<ul>\r\n	<li style=\"text-align: left;\">Are you, or do you know an investor with multiple properties who\'s losing money?</li>\r\n</ul>\r\n<ul>\r\n	<li style=\"text-align: left;\">Have you recently lost a job and fallen behind on your mortgage?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>If you\'re considering short sale, foreclosure or walking away - DON\'T! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>Until you talk to the experts at Hope for Homeowners Consulting! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>\r\n</strong></div>\r\nLet us help you:\r\n\r\n[caption id=\"attachment_536\" align=\"aligncenter\" width=\"300\" caption=\"Steps Process\"]<strong><strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3.jpg\"><img class=\"size-medium wp-image-536\" title=\"Your Steps to Success\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" /></a></strong></strong>[/caption]\r\n<h1 style=\"text-align: center;\"><strong>Questions about foreclosure? </strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Watch our Foreclosure Defense Webinar!</strong></h1>\r\n&nbsp;\r\n<div id=\"_mcePaste\">\r\n<div style=\"line-height: 1.8em;\">\r\n<div><span style=\"font-family: Consolas, Monaco, \'Courier New\', Courier, monospace;\"><span style=\"line-height: 22px;\"><a href=\"http://h4hconsulting.com/cms/video-library/request-password/\" target=\"_blank\"><img class=\"aligncenter size-large wp-image-659\" title=\"chris stil shot for webinar\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/chris-stil-shot-for-webinar-1024x440.png\" alt=\"\" width=\"645\" height=\"277\" /></a></span></span></div>\r\n</div>\r\n<strong> </strong>\r\n\r\n</div>\r\n<div style=\"text-align: center;\"><em><strong>THERE IS HOPE FOR HOMEOWNERS!</strong></em></div>\r\n<div style=\"height: 2.2em; visibility: hidden;\">.</div>\r\n<div style=\"height: 1.2em; visibility: hidden;\">.</div>\r\n<div id=\"_mcePaste\">\r\n\r\n<em><strong> </strong></em>\r\n\r\n</div>\r\n<div><a href=\"http://h4hconsulting.com/cms/?page_id=48\"><img class=\"aligncenter size-full wp-image-58\" style=\"margin-top: 20px; margin-bottom: 20px;\" title=\"Fight Back &amp; Get Started Now!\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/start.png\" alt=\"\" width=\"300\" height=\"73\" /></a></div>','Home','','inherit','open','open','','5-revision-v1','','','2011-06-20 16:22:15','2011-06-20 16:22:15','',5,'http://h4hconsulting.com/cms/994/5-revision-113/',0,'revision','',0),(995,1,'2011-06-20 16:33:27','2011-06-20 16:33:27','<div style=\"line-height: 1.8em;\">\r\n<ul>\r\n	<li>Are you upside down on your home?\r\n<h1 style=\"text-align: center;\"><strong><strong><a href=\"http://h4hconsulting.com/cms/about/contact-us/\"><img class=\"alignright size-full wp-image-924\" title=\"free-consultationblue\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/free-consultationblue.png\" alt=\"\" width=\"148\" height=\"149\" /></a></strong></strong></h1>\r\n<h1 style=\"text-align: center;\"><strong><strong> </strong></strong></h1>\r\n</li>\r\n</ul>\r\n<ul>\r\n	<li>Do you know what a<a href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\"> Deficiency Judgment</a> is and how it could harm you financially?</li>\r\n</ul>\r\n<ul>\r\n	<li>What is a <a title=\"What is a strategic default?\" href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default/\">strategic default</a> and why should it concern you?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\">\r\n<ul>\r\n	<li style=\"text-align: left;\">Are you, or do you know an investor with multiple properties who\'s losing money?</li>\r\n</ul>\r\n<ul>\r\n	<li style=\"text-align: left;\">Have you recently lost a job and fallen behind on your mortgage?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>If you\'re considering short sale, foreclosure or walking away - DON\'T! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>Until you talk to the experts at Hope for Homeowners Consulting! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>\r\n</strong></div>\r\nLet us help you:\r\n\r\n[caption id=\"attachment_536\" align=\"aligncenter\" width=\"300\" caption=\"Steps Process\"]<strong><strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3.jpg\"><img class=\"size-medium wp-image-536\" title=\"Your Steps to Success\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" /></a></strong></strong>[/caption]\r\n<h1 style=\"text-align: center;\"><strong>Questions about foreclosure? </strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Watch our Foreclosure Defense Webinar!</strong></h1>\r\n&nbsp;\r\n<div id=\"_mcePaste\">\r\n<div style=\"line-height: 1.8em;\">\r\n<div><span style=\"font-family: Consolas, Monaco, \'Courier New\', Courier, monospace;\"><span style=\"line-height: 22px;\"><a href=\"http://h4hconsulting.com/cms/video-library/request-password/\" target=\"_blank\"><img class=\"aligncenter size-large wp-image-659\" title=\"chris stil shot for webinar\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/chris-stil-shot-for-webinar-1024x440.png\" alt=\"\" width=\"645\" height=\"277\" /></a></span></span></div>\r\n</div>\r\n<strong> </strong>\r\n\r\n</div>\r\n<div style=\"text-align: center;\"><em><strong>THERE IS HOPE FOR HOMEOWNERS!</strong></em></div>\r\n<div style=\"height: 2.2em; visibility: hidden;\">.</div>\r\n<div style=\"height: 1.2em; visibility: hidden;\">.</div>\r\n<div id=\"_mcePaste\">\r\n\r\n<em><strong> </strong></em>\r\n\r\n</div>\r\n<div><a href=\"http://h4hconsulting.com/cms/?page_id=48\"><img class=\"aligncenter size-full wp-image-58\" style=\"margin-top: 20px; margin-bottom: 20px;\" title=\"Fight Back &amp; Get Started Now!\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/start.png\" alt=\"\" width=\"300\" height=\"73\" /></a></div>','Home','','inherit','open','open','','5-revision-v1','','','2011-06-20 16:33:27','2011-06-20 16:33:27','',5,'http://h4hconsulting.com/cms/995/5-revision-114/',0,'revision','',0),(996,1,'2011-06-20 16:34:19','2011-06-20 16:34:19','<div style=\"line-height: 1.8em;\">\r\n<ul>\r\n	<li>Are you upside down on your home?\r\n<h1 style=\"text-align: center;\"><strong><strong><a href=\"http://h4hconsulting.com/cms/about/contact-us/\"><img class=\"alignright size-full wp-image-924\" title=\"free-consultationblue\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/free-consultationblue.png\" alt=\"\" width=\"148\" height=\"149\" /></a></strong></strong></h1>\r\n<h1 style=\"text-align: center;\"><strong><strong> </strong></strong></h1>\r\n</li>\r\n</ul>\r\n<ul>\r\n	<li>Do you know what a<a href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\"> Deficiency Judgment</a> is and how it could harm you financially?</li>\r\n</ul>\r\n<ul>\r\n	<li>What is a <a title=\"What is a strategic default?\" href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default/\">strategic default</a> and why should it concern you?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\">\r\n<ul>\r\n	<li style=\"text-align: left;\">Are you, or do you know an investor with multiple properties who\'s losing money?</li>\r\n</ul>\r\n<ul>\r\n	<li style=\"text-align: left;\">Have you recently lost a job and fallen behind on your mortgage?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>If you\'re considering short sale, foreclosure or walking away - DON\'T! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>Until you talk to the experts at Hope for Homeowners Consulting! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>\r\n</strong></div>\r\nLet us help you:\r\n\r\n[caption id=\"attachment_536\" align=\"aligncenter\" width=\"300\" caption=\"Steps Process\"]<strong><strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3.jpg\"><img class=\"size-medium wp-image-536\" title=\"Your Steps to Success\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" /></a></strong></strong>[/caption]\r\n<h1 style=\"text-align: center;\"><strong>Questions about foreclosure? </strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Watch our Foreclosure </strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Defense Webinar!</strong></h1>\r\n&nbsp;\r\n<div id=\"_mcePaste\">\r\n<div style=\"line-height: 1.8em;\">\r\n<div><span style=\"font-family: Consolas, Monaco, \'Courier New\', Courier, monospace;\"><span style=\"line-height: 22px;\"><a href=\"http://h4hconsulting.com/cms/video-library/request-password/\" target=\"_blank\"><img class=\"aligncenter size-large wp-image-659\" title=\"chris stil shot for webinar\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/chris-stil-shot-for-webinar-1024x440.png\" alt=\"\" width=\"645\" height=\"277\" /></a></span></span></div>\r\n</div>\r\n<strong> </strong>\r\n\r\n</div>\r\n<div style=\"text-align: center;\"><em><strong>THERE IS HOPE FOR HOMEOWNERS!</strong></em></div>\r\n<div style=\"height: 2.2em; visibility: hidden;\">.</div>\r\n<div style=\"height: 1.2em; visibility: hidden;\">.</div>\r\n<div id=\"_mcePaste\">\r\n\r\n<em><strong> </strong></em>\r\n\r\n</div>\r\n<div><a href=\"http://h4hconsulting.com/cms/?page_id=48\"><img class=\"aligncenter size-full wp-image-58\" style=\"margin-top: 20px; margin-bottom: 20px;\" title=\"Fight Back &amp; Get Started Now!\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/start.png\" alt=\"\" width=\"300\" height=\"73\" /></a></div>','Home','','inherit','open','open','','5-revision-v1','','','2011-06-20 16:34:19','2011-06-20 16:34:19','',5,'http://h4hconsulting.com/cms/996/5-revision-115/',0,'revision','',0),(997,1,'2011-06-20 16:35:43','2011-06-20 16:35:43','<div style=\"line-height: 1.8em;\">\r\n<ul>\r\n	<li>Are you upside down on your home?\r\n<h1 style=\"text-align: center;\"><strong><strong><a href=\"http://h4hconsulting.com/cms/about/contact-us/\"><img class=\"alignright size-full wp-image-924\" title=\"free-consultationblue\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/free-consultationblue.png\" alt=\"\" width=\"148\" height=\"149\" /></a></strong></strong></h1>\r\n<h1 style=\"text-align: center;\"><strong><strong> </strong></strong></h1>\r\n</li>\r\n</ul>\r\n<ul>\r\n	<li>Do you know what a<a href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\"> Deficiency Judgment</a> is and how it could harm you financially?</li>\r\n</ul>\r\n<ul>\r\n	<li>What is a <a title=\"What is a strategic default?\" href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default/\">strategic default</a> and why should it concern you?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\">\r\n<ul>\r\n	<li style=\"text-align: left;\">Are you, or do you know an investor with multiple properties who\'s losing money?</li>\r\n</ul>\r\n<ul>\r\n	<li style=\"text-align: left;\">Have you recently lost a job and fallen behind on your mortgage?</li>\r\n</ul>\r\n</div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>If you\'re considering short sale, foreclosure or walking away - DON\'T! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>Until you talk to the experts at Hope for Homeowners Consulting! </strong></div>\r\n<div style=\"line-height: 1.8em; text-align: center;\"><strong>\r\n</strong></div>\r\nLet us help you:\r\n\r\n[caption id=\"attachment_536\" align=\"aligncenter\" width=\"300\" caption=\"Steps Process\"]<strong><strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3.jpg\"><img class=\"size-medium wp-image-536\" title=\"Your Steps to Success\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/steps-1-2-3-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" /></a></strong></strong>[/caption]\r\n<h1 style=\"text-align: center;\"><strong>Questions about foreclosure? </strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Watch our Foreclosure </strong></h1>\r\n<h1 style=\"text-align: center;\"><strong>Defense Webinar!</strong></h1>\r\n&nbsp;\r\n<div id=\"_mcePaste\">\r\n<div style=\"line-height: 1.8em;\">\r\n<div><span style=\"font-family: Consolas, Monaco, \'Courier New\', Courier, monospace;\"><span style=\"line-height: 22px;\"><a href=\"http://h4hconsulting.com/cms/video-library/request-password/\" target=\"_blank\"><img class=\"aligncenter size-large wp-image-659\" title=\"chris stil shot for webinar\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/chris-stil-shot-for-webinar-1024x440.png\" alt=\"\" width=\"645\" height=\"277\" /></a></span></span></div>\r\n</div>\r\n<strong> </strong>\r\n\r\n</div>\r\n<div style=\"text-align: center;\"><em><strong>THERE IS HOPE FOR HOMEOWNERS!</strong></em></div>\r\n<div style=\"height: 2.2em; visibility: hidden;\">.</div>\r\n<div style=\"height: 1.2em; visibility: hidden;\">.</div>\r\n<div id=\"_mcePaste\">\r\n\r\n<em><strong> </strong></em>\r\n\r\n</div>\r\n<div><a href=\"http://h4hconsulting.com/cms/?page_id=48\"><img class=\"aligncenter size-full wp-image-58\" style=\"margin-top: 20px; margin-bottom: 20px;\" title=\"Fight Back &amp; Get Started Now!\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/start.png\" alt=\"\" width=\"300\" height=\"73\" /></a></div>','Home','','inherit','open','open','','5-revision-v1','','','2011-06-20 16:35:43','2011-06-20 16:35:43','',5,'http://h4hconsulting.com/cms/997/5-revision-116/',0,'revision','',0),(998,1,'2010-08-12 15:56:06','2010-08-12 15:56:06','<em>\r\n</em>\r\n\r\nChris -\r\n\r\nJust a quick line to <strong>THANK YOU</strong> for the clients  you’ve referred to us over the last several months. You’ve been  instrumental in the growth and success of our Foreclosure Defense  Practice. I look forward to helping you grow your business, and to many  years of friendship and mutual business advantage in the years to come.\r\n\r\nRoss Spano\r\n\r\n<strong>Christmas &amp; Spano, P.A.</strong>\r\n\r\n<strong>\r\n</strong>\r\n\r\n<em>Chris,</em>\r\n\r\n<em>I just wanted to take a few moments to thank you and update you  on what has transpired in my practice since adding Foreclosure defense  to my practice with your assistance. </em>\r\n\r\n<em>The economy had effected my practice like most in Florida, and I  needed to expand my services, with little alternatives that could  quickly add value.  After talking to you, and seeing your well sourced,  complete list of documents and materials, I was able to quickly setup my  Foreclosure services, and effectively market them to my clients.</em>\r\n\r\n<em>Thanks again! It was just the shot in the arm we needed…..</em>\r\n\r\n<em>Matt Mitcham, Esq. (Tampa, FL)</em>','Attorney Testimonials','','inherit','open','open','','363-revision-4','','','2010-08-12 15:56:06','2010-08-12 15:56:06','',363,'http://h4hconsulting.com/cms/998/363-revision-4/',0,'revision','',0),(999,1,'2011-06-20 16:43:40','2011-06-20 16:43:40','Chris -\r\n\r\nJust a quick line to <strong>THANK YOU</strong> for the clients  you’ve referred to us over the last several months. You’ve been  instrumental in the growth and success of our Foreclosure Defense  Practice. I look forward to helping you grow your business, and to many  years of friendship and mutual business advantage in the years to come.\r\n\r\nRoss Spano\r\n\r\n<strong>Christmas &amp; Spano, P.A.</strong>\r\n\r\n<strong>\r\n</strong>\r\n\r\n<em>Chris,</em>\r\n\r\n<em>I just wanted to take a few moments to thank you and update you  on what has transpired in my practice since adding Foreclosure defense  to my practice with your assistance. </em>\r\n\r\n<em>The economy had effected my practice like most in Florida, and I  needed to expand my services, with little alternatives that could  quickly add value.  After talking to you, and seeing your well sourced,  complete list of documents and materials, I was able to quickly setup my  Foreclosure services, and effectively market them to my clients.</em>\r\n\r\n<em>Thanks again! It was just the shot in the arm we needed…..</em>\r\n\r\n<em>Matt Mitcham, Esq. (Tampa, FL)</em>','Attorney Testimonials','','inherit','open','open','','363-revision-5','','','2011-06-20 16:43:40','2011-06-20 16:43:40','',363,'http://h4hconsulting.com/cms/999/363-revision-5/',0,'revision','',0),(1000,1,'2011-06-20 16:47:39','2011-06-20 16:47:39','Chris -\n\nJust a quick line to <strong>THANK YOU</strong> for the clients  you’ve referred to us over the last several months. You’ve been  instrumental in the growth and success of our Foreclosure Defense  Practice. I look forward to helping you grow your business, and to many  years of friendship and mutual business advantage in the years to come.\n\nRoss Spano\n\n<strong>Christmas &amp; Spano, P.A.</strong>\n\n<strong>\n</strong>\n\n<em>Chris,</em>\n\n<em>I just wanted to take a few moments to thank you and update you  on what has transpired in my practice since adding Foreclosure defense  to my practice with your assistance. </em>\n\n<em>The economy had effected my practice like most in Florida, and I  needed to expand my services, with little alternatives that could  quickly add value.  After talking to you, and seeing your well sourced,  complete list of documents and materials, I was able to quickly setup my  Foreclosure services, and effectively market them to my clients.</em>\n\n<em>Thanks again!  It was just the shot in the arm we needed…..</em>\n\n<em>Matt Mitcham, Esq. (Tampa, FL)</em>','Attorney Testimonials','','inherit','open','open','','363-autosave','','','2011-06-20 16:47:39','2011-06-20 16:47:39','',363,'http://h4hconsulting.com/cms/1000/363-autosave/',0,'revision','',0),(1001,1,'2011-06-20 16:43:52','2011-06-20 16:43:52','Chris -\r\n\r\nJust a quick line to <strong>THANK YOU</strong> for the clients  you’ve referred to us over the last several months. You’ve been  instrumental in the growth and success of our Foreclosure Defense  Practice. I look forward to helping you grow your business, and to many  years of friendship and mutual business advantage in the years to come.\r\n\r\nRoss Spano\r\n\r\n<strong>Christmas &amp; Spano, P.A.</strong>\r\n\r\n<strong>\r\n</strong>\r\n\r\n<em>Chris,</em>\r\n\r\n<em>I just wanted to take a few moments to thank you and update you  on what has transpired in my practice since adding Foreclosure defense  to my practice with your assistance. </em>\r\n\r\n<em>The economy had effected my practice like most in Florida, and I  needed to expand my services, with little alternatives that could  quickly add value.  After talking to you, and seeing your well sourced,  complete list of documents and materials, I was able to quickly setup my  Foreclosure services, and effectively market them to my clients.</em>\r\n\r\n<em>Thanks again! It was just the shot in the arm we needed…..</em>\r\n\r\n<em>Matt Mitcham, Esq. (Tampa, FL)</em>','Attorney Testimonials','','inherit','open','open','','363-revision-6','','','2011-06-20 16:43:52','2011-06-20 16:43:52','',363,'http://h4hconsulting.com/cms/1001/363-revision-6/',0,'revision','',0),(1002,1,'2011-06-20 16:45:43','2011-06-20 16:45:43','Chris -\r\n\r\nJust a quick line to <strong>THANK YOU</strong> for the clients  you’ve referred to us over the last several months. You’ve been  instrumental in the growth and success of our Foreclosure Defense  Practice. I look forward to helping you grow your business, and to many  years of friendship and mutual business advantage in the years to come.\r\n\r\nRoss Spano\r\n\r\n<strong>Christmas &amp; Spano, P.A.</strong>\r\n\r\n<strong>\r\n</strong>\r\n\r\n<em>Chris,</em>\r\n\r\n<em>I just wanted to take a few moments to thank you and update you  on what has transpired in my practice since adding Foreclosure defense  to my practice with your assistance. </em>\r\n\r\n<em>The economy had effected my practice like most in Florida, and I  needed to expand my services, with little alternatives that could  quickly add value.  After talking to you, and seeing your well sourced,  complete list of documents and materials, I was able to quickly setup my  Foreclosure services, and effectively market them to my clients.</em>\r\n\r\n<em>Thanks again! It was just the shot in the arm we needed…..</em>\r\n\r\n<em>Matt Mitcham, Esq. (Tampa, FL)</em>','Attorney Testimonials','','inherit','open','open','','363-revision-7','','','2011-06-20 16:45:43','2011-06-20 16:45:43','',363,'http://h4hconsulting.com/cms/1002/363-revision-7/',0,'revision','',0),(1003,1,'2011-06-20 16:46:34','2011-06-20 16:46:34','Chris -\r\n\r\nJust a quick line to <strong>THANK YOU</strong> for the clients  you’ve referred to us over the last several months. You’ve been  instrumental in the growth and success of our Foreclosure Defense  Practice. I look forward to helping you grow your business, and to many  years of friendship and mutual business advantage in the years to come.\r\n\r\nRoss Spano\r\n\r\n<strong>Christmas &amp; Spano, P.A.</strong>\r\n\r\n<strong>\r\n</strong>\r\n\r\n<em>Chris,</em>\r\n\r\n<em>I just wanted to take a few moments to thank you and update you  on what has transpired in my practice since adding Foreclosure defense  to my practice with your assistance. </em>\r\n\r\n<em>The economy had effected my practice like most in Florida, and I  needed to expand my services, with little alternatives that could  quickly add value.  After talking to you, and seeing your well sourced,  complete list of documents and materials, I was able to quickly setup my  Foreclosure services, and effectively market them to my clients.</em>\r\n\r\n<em>Thanks again!  It was just the shot in the arm we needed…..</em>\r\n\r\n<em>Matt Mitcham, Esq. (Tampa, FL)</em>','Attorney Testimonials','','inherit','open','open','','363-revision-8','','','2011-06-20 16:46:34','2011-06-20 16:46:34','',363,'http://h4hconsulting.com/cms/1003/363-revision-8/',0,'revision','',0),(1004,1,'2010-10-27 16:54:33','2010-10-27 16:54:33','At H4H Consulting, we have an experienced team of professionals and relationships with some of the area’s best real estate agents, property managers and attorneys.\r\n\r\nWith the three \'Homeowner Rescue\' package options that we have put together, you will be provided with  all the tools necessary to solve your specific challenge. All three options begin with an in depth personal consultation, and a written action plan which will act as your road map to solving your specific challenges! The three options provide an increasing level of service, culminating with Package \'C\' which gives you the opportunity to utilize any/all options needed to put you back on the path to financial stability! Order Package A or B above, and upgrade anytime!\r\n<h1 style=\"text-align: center;\"><span style=\"color: #000080;\"><em><strong><a title=\"Order Online Today!\" href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\" target=\"_blank\">TO ORDER TODAY CLICK HERE!</a></strong></em></span></h1>\r\n<div style=\"height: 1em; visibility: hidden;\">.</div>','Homeowners','','inherit','open','open','','48-revision-23','','','2010-10-27 16:54:33','2010-10-27 16:54:33','',48,'http://h4hconsulting.com/cms/1004/48-revision-23/',0,'revision','',0),(1005,1,'2010-08-17 14:48:25','2010-08-17 14:48:25','Do you think a Foreclosure Defense practice can’t be profitable? <strong><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/Sales-Book-Complete.pdf\">Think Again….</a></strong>\r\n\r\n* Six million families are more than two months behind with their payments.\r\n* 200,000 more families receive foreclosure notices each month.\r\n\r\nOf those, only 1% are being defended in FL\r\n\r\nWhat’s missing? Attorneys. Why?\r\n\r\n1. Homeowners assume attorneys are too expensive.\r\n2. Attorneys assume too much liability with little chance of success.\r\n\r\nObviously, there is a large virtually untapped market available. In our conversations with attorneys we have found their concerns can be summarized into four areas; profit, liability, marketing &amp; success.  With H4H Consulting handling all the day to day paperwork and communication, the attorney’s are largely shielded. And our proven marketing plan and knowledge of fees and costs for defending foreclosure cases help expand your practice while increasing profitability.\r\n\r\nHope4Homeowners Consulting can provide you with all the documents you need, as well as the pricing of these services to assure an immediate impact to your bottom line. The average defense can last 12 to 18 months or more. The homeowner may not be able to afford their mortgage, but they certainly can take the money that is not going toward their home, to afford your services. Don’t mistakenly assume foreclosure equals no money!\r\n\r\nH4H Consulting can partner with you to grow your business. We can show you how to succeed.<a href=\"http://h4hconsulting.com/cms/attorneys/\"></a>','Attorneys & Foreclosure Defense ','','inherit','open','open','','380-revision-11','','','2010-08-17 14:48:25','2010-08-17 14:48:25','',380,'http://h4hconsulting.com/cms/1005/380-revision-11/',0,'revision','',0),(1006,1,'2010-08-16 19:06:39','2010-08-16 19:06:39','To learn the TRUTH about Loan Modifications and receive our <strong>free download</strong>, \"Loan Modification: Tips and Best Practices\", please submit the form below.','Free Download Request','','inherit','open','open','','238-revision-6','','','2010-08-16 19:06:39','2010-08-16 19:06:39','',238,'http://h4hconsulting.com/cms/1006/238-revision-6/',0,'revision','',0),(1007,1,'2010-08-12 14:45:46','2010-08-12 14:45:46','<strong>1. </strong><strong>Commitment to Clients</strong>\r\n\r\nThe primary responsibility of Hope for Homeowners Consulting is to provide high-quality counseling services to existing homeowners. Hope for Homeowners Consulting will act on behalf of a client and observe his/her best interests.\r\n\r\n<strong>2. </strong><strong>Client Decision-Making</strong>\r\n\r\nHope for Homeowners Consulting will provide necessary tools, resources and information to assist their clients in making decisions about finances, based on the client’s needs and preferences.  In instances when clients experience literacy or language challenges, Hope for Homeowners Consulting will take steps to ensure our clients’ comprehension.  This shall include arranging for a qualified interpreter or translator.\r\n\r\n<strong>3. </strong><strong>Competence</strong>\r\n\r\nHope for Homeowners Consulting will provide services only within the boundaries of their relevant professional experience.  Referrals will be provided to clients when essential services are beyond the scope of the individual or company to provide.  Hope for Homeowners Consulting shall be culturally competent in their service area and sensitive to cultural differences and needs.\r\n\r\n<strong>4. </strong><strong>Conflicts of Interest</strong>\r\n\r\nHope for Homeowners Consulting will avoid actual and the appearance of conflicts of interest. They will inform clients when a real or potential conflict of interest arises and take all necessary steps to resolve the issue in a manner that makes the clients’ interests primary and protects clients’ interests.  In some cases, protecting clients’ interests may require termination of the professional relationship with proper referral of the client.  Hope for Homeowners Consulting will not take unfair advantage of any professional relationship or exploit others to further their personal, religious, political or business interests.   Any potential conflicts of interest will be disclosed to clients in a written disclosure document.\r\n\r\n<strong>5. </strong><strong>Privacy and Confidentiality</strong>\r\n\r\nHope for Homeowners Consulting will respect clients’ right to privacy.  Private information will not be requested from clients unless it is critical to providing services.  Once private Information is shared, privacy laws apply as well as client confidentiality.  Hope for Homeowners Consulting will disclose confidential information only as specified by a valid written consent of client.  Hope for Homeowners Consulting will not discuss confidential information in any setting unless privacy can be ensured.  Counselors will abide by privacy laws and keep information confidential and protected.  Hope for Homeowners Consulting will not disclose clients’ information, including their identity, when responding to requests from members of the media without the client’s express consent.  Hope for Homeowners Consulting will protect the confidentiality of clients’ written and electronic records and other sensitive information.  Clients’ records shall be stored in a secure location and not made available to others who are not authorized to have access.  Hope for Homeowners Consulting will take precautions to ensure and maintain the confidentiality of information transmitted to other parties through the use of computers, electronic mail, facsimile machines, telephones and telephone answering machines, and other electronic or computer technology.  Disclosure of identifying information will be avoided unless specifically permitted by client.  Hope for Homeowners Consulting will dispose of clients’ records in a manner that protects clients’ confidentiality and is consistent with state statutes governing records.  Hope for Homeowners Consulting will be familiar with relevant local, regional and national laws regarding privacy and confidentiality.\r\n\r\n<strong>6. </strong><strong>Professional Behavior</strong>\r\n\r\nHope for Homeowners Consulting will not practice, condone, facilitate, or collaborate with any form of discrimination on the basis of race, ethnicity, national origin, sex, sexual orientation, age, marital status, political belief, religion, or mental or physical disability. Hope for Homeowners Consulting will not use derogatory language in their written or verbal communications to or about clients.  Accurate and respectful language will be used in all communications to and about clients.  Hope for Homeowners Consulting will not participate in, condone, or be associated with dishonesty, fraud or deception. Hope for Homeowners Consulting will not permit their private conduct to interfere with their ability to fulfill their professional responsibilities.\r\n\r\n<strong> </strong>\r\n\r\n<strong>7. </strong><strong>Payment for Services</strong>\r\n\r\nWhen setting fees, Hope for Homeowners Consulting will ensure that the fees are fair, reasonable and commensurate with the services performed.  Clients will be informed of any applicable fees prior to the delivery of any services.\r\n\r\n<strong>8. </strong><strong>Discontinuation of Services</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will close files and discontinue services to clients when such services are no longer required or no longer serve the clients’ needs or interests.\r\n\r\n<strong> </strong>\r\n\r\n<strong>9. </strong><strong>Consultation</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will seek the advice and counsel of more experienced colleagues whenever such consultation is in the best interests of clients.  Consultation will only be sought from colleagues who have demonstrated knowledge, expertise and competence related to the subject of the consultation.  When consulting with colleagues about clients, Hope for Homeowners Consulting will disclose the least amount of information necessary to achieve the purposes of the consultation. Client information will only be shared with other colleagues with the written consent of the client.\r\n\r\n<strong>10. </strong><strong>Referrals</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will limit services to those within their training and expertise and refrain from giving legal, tax or accounting advice unless licensed to do so.\r\n\r\n<strong>11. </strong><strong>Integrity of Hope for Homeowners Consulting</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will work toward the maintenance and promotion of high standards of practice for the industry.  Hope for Homeowners Consulting will uphold and advance the values, ethics, knowledge and mission of the profession.  They will protect, enhance and improve the integrity of the profession through service development, partnerships and active participation in the industry.  Hope for Homeowners Consulting will contribute time and professional expertise to activities that promote respect for the value, integrity and competence of their profession.','Our Code of Ethics','','inherit','open','open','','118-revision-11','','','2010-08-12 14:45:46','2010-08-12 14:45:46','',118,'http://h4hconsulting.com/cms/1007/118-revision-11/',0,'revision','',0),(1008,1,'2011-06-20 16:50:45','2011-06-20 16:50:45','<strong>1. </strong><strong>Commitment to Clients</strong>\r\n\r\nThe primary responsibility of Hope for Homeowners Consulting is to provide high-quality counseling services to existing homeowners. Hope for Homeowners Consulting will act on behalf of a client and observe his/her best interests.\r\n\r\n<strong>2. </strong><strong>Client Decision-Making</strong>\r\n\r\nHope for Homeowners Consulting will provide necessary tools, resources and information to assist their clients in making decisions about finances, based on the client’s needs and preferences.  In instances when clients experience literacy or language challenges, Hope for Homeowners Consulting will take steps to ensure our clients’ comprehension.  This shall include arranging for a qualified interpreter or translator.\r\n\r\n<strong>3. </strong><strong>Competence</strong>\r\n\r\nHope for Homeowners Consulting will provide services only within the boundaries of their relevant professional experience.  Referrals will be provided to clients when essential services are beyond the scope of the individual or company to provide.  Hope for Homeowners Consulting shall be culturally competent in their service area and sensitive to cultural differences and needs.\r\n\r\n<strong>4. </strong><strong>Conflicts of Interest</strong>\r\n\r\nHope for Homeowners Consulting will avoid actual and the appearance of conflicts of interest. They will inform clients when a real or potential conflict of interest arises and take all necessary steps to resolve the issue in a manner that makes the clients’ interests primary and protects clients’ interests.  In some cases, protecting clients’ interests may require termination of the professional relationship with proper referral of the client.  Hope for Homeowners Consulting will not take unfair advantage of any professional relationship or exploit others to further their personal, religious, political or business interests.   Any potential conflicts of interest will be disclosed to clients in a written disclosure document.\r\n\r\n<strong>5. </strong><strong>Privacy and Confidentiality</strong>\r\n\r\nHope for Homeowners Consulting will respect clients’ right to privacy.  Private information will not be requested from clients unless it is critical to providing services.  Once private Information is shared, privacy laws apply as well as client confidentiality.  Hope for Homeowners Consulting will disclose confidential information only as specified by a valid written consent of client.  Hope for Homeowners Consulting will not discuss confidential information in any setting unless privacy can be ensured.  Counselors will abide by privacy laws and keep information confidential and protected.  Hope for Homeowners Consulting will not disclose clients’ information, including their identity, when responding to requests from members of the media without the client’s express consent.  Hope for Homeowners Consulting will protect the confidentiality of clients’ written and electronic records and other sensitive information.  Clients’ records shall be stored in a secure location and not made available to others who are not authorized to have access.  Hope for Homeowners Consulting will take precautions to ensure and maintain the confidentiality of information transmitted to other parties through the use of computers, electronic mail, facsimile machines, telephones and telephone answering machines, and other electronic or computer technology.  Disclosure of identifying information will be avoided unless specifically permitted by client.  Hope for Homeowners Consulting will dispose of clients’ records in a manner that protects clients’ confidentiality and is consistent with state statutes governing records.  Hope for Homeowners Consulting will be familiar with relevant local, regional and national laws regarding privacy and confidentiality.\r\n\r\n<strong>6. </strong><strong>Professional Behavior</strong>\r\n\r\nHope for Homeowners Consulting will not practice, condone, facilitate, or collaborate with any form of discrimination on the basis of race, ethnicity, national origin, sex, sexual orientation, age, marital status, political belief, religion, or mental or physical disability. Hope for Homeowners Consulting will not use derogatory language in their written or verbal communications to or about clients.  Accurate and respectful language will be used in all communications to and about clients.  Hope for Homeowners Consulting will not participate in, condone, or be associated with dishonesty, fraud or deception. Hope for Homeowners Consulting will not permit their private conduct to interfere with their ability to fulfill their professional responsibilities.\r\n\r\n<strong> </strong>\r\n\r\n<strong>7. </strong><strong>Payment for Services</strong>\r\n\r\nWhen setting fees, Hope for Homeowners Consulting will ensure that the fees are fair, reasonable and commensurate with the services performed.  Clients will be informed of any applicable fees prior to the delivery of any services.\r\n\r\n<strong>8. </strong><strong>Discontinuation of Services</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will close files and discontinue services to clients when such services are no longer required or no longer serve the clients’ needs or interests.\r\n\r\n<strong> </strong>\r\n\r\n<strong>9. </strong><strong>Consultation</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will seek the advice and counsel of more experienced colleagues whenever such consultation is in the best interests of clients.  Consultation will only be sought from colleagues who have demonstrated knowledge, expertise and competence related to the subject of the consultation.  When consulting with colleagues about clients, Hope for Homeowners Consulting will disclose the least amount of information necessary to achieve the purposes of the consultation. Client information will only be shared with other colleagues with the written consent of the client.\r\n\r\n<strong>10. </strong><strong>Referrals</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will limit services to those within their training and expertise and refrain from giving legal, tax or accounting advice unless licensed to do so.\r\n\r\n<strong>11. </strong><strong>Integrity of Hope for Homeowners Consulting</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will work toward the maintenance and promotion of high standards of practice for the industry.  Hope for Homeowners Consulting will uphold and advance the values, ethics, knowledge and mission of the profession.  They will protect, enhance and improve the integrity of the profession through service development, partnerships and active participation in the industry.  Hope for Homeowners Consulting will contribute time and professional expertise to activities that promote respect for the value, integrity and competence of their profession.','Our Code of Ethics','','inherit','open','open','','118-revision-12','','','2011-06-20 16:50:45','2011-06-20 16:50:45','',118,'http://h4hconsulting.com/cms/1008/118-revision-12/',0,'revision','',0),(1009,1,'2011-06-20 16:50:51','2011-06-20 16:50:51','<strong>1. </strong><strong>Commitment to Clients</strong>\r\n\r\nThe primary responsibility of Hope for Homeowners Consulting is to provide high-quality counseling services to existing homeowners. Hope for Homeowners Consulting will act on behalf of a client and observe his/her best interests.\r\n\r\n<strong>2. </strong><strong>Client Decision-Making</strong>\r\n\r\nHope for Homeowners Consulting will provide necessary tools, resources and information to assist their clients in making decisions about finances, based on the client’s needs and preferences.  In instances when clients experience literacy or language challenges, Hope for Homeowners Consulting will take steps to ensure our clients’ comprehension.  This shall include arranging for a qualified interpreter or translator.\r\n\r\n<strong>3. </strong><strong>Competence</strong>\r\n\r\nHope for Homeowners Consulting will provide services only within the boundaries of their relevant professional experience.  Referrals will be provided to clients when essential services are beyond the scope of the individual or company to provide.  Hope for Homeowners Consulting shall be culturally competent in their service area and sensitive to cultural differences and needs.\r\n\r\n<strong>4. </strong><strong>Conflicts of Interest</strong>\r\n\r\nHope for Homeowners Consulting will avoid actual and the appearance of conflicts of interest. They will inform clients when a real or potential conflict of interest arises and take all necessary steps to resolve the issue in a manner that makes the clients’ interests primary and protects clients’ interests.  In some cases, protecting clients’ interests may require termination of the professional relationship with proper referral of the client.  Hope for Homeowners Consulting will not take unfair advantage of any professional relationship or exploit others to further their personal, religious, political or business interests.   Any potential conflicts of interest will be disclosed to clients in a written disclosure document.\r\n\r\n<strong>5. </strong><strong>Privacy and Confidentiality</strong>\r\n\r\nHope for Homeowners Consulting will respect clients’ right to privacy.  Private information will not be requested from clients unless it is critical to providing services.  Once private Information is shared, privacy laws apply as well as client confidentiality.  Hope for Homeowners Consulting will disclose confidential information only as specified by a valid written consent of client.  Hope for Homeowners Consulting will not discuss confidential information in any setting unless privacy can be ensured.  Counselors will abide by privacy laws and keep information confidential and protected.  Hope for Homeowners Consulting will not disclose clients’ information, including their identity, when responding to requests from members of the media without the client’s express consent.  Hope for Homeowners Consulting will protect the confidentiality of clients’ written and electronic records and other sensitive information.  Clients’ records shall be stored in a secure location and not made available to others who are not authorized to have access.  Hope for Homeowners Consulting will take precautions to ensure and maintain the confidentiality of information transmitted to other parties through the use of computers, electronic mail, facsimile machines, telephones and telephone answering machines, and other electronic or computer technology.  Disclosure of identifying information will be avoided unless specifically permitted by client.  Hope for Homeowners Consulting will dispose of clients’ records in a manner that protects clients’ confidentiality and is consistent with state statutes governing records.  Hope for Homeowners Consulting will be familiar with relevant local, regional and national laws regarding privacy and confidentiality.\r\n\r\n<strong>6. </strong><strong>Professional Behavior</strong>\r\n\r\nHope for Homeowners Consulting will not practice, condone, facilitate, or collaborate with any form of discrimination on the basis of race, ethnicity, national origin, sex, sexual orientation, age, marital status, political belief, religion, or mental or physical disability. Hope for Homeowners Consulting will not use derogatory language in their written or verbal communications to or about clients.  Accurate and respectful language will be used in all communications to and about clients.  Hope for Homeowners Consulting will not participate in, condone, or be associated with dishonesty, fraud or deception. Hope for Homeowners Consulting will not permit their private conduct to interfere with their ability to fulfill their professional responsibilities.\r\n\r\n<strong> </strong>\r\n\r\n<strong>7. </strong><strong>Payment for Services</strong>\r\n\r\nWhen setting fees, Hope for Homeowners Consulting will ensure that the fees are fair, reasonable and commensurate with the services performed.  Clients will be informed of any applicable fees prior to the delivery of any services.\r\n\r\n<strong>8. </strong><strong>Discontinuation of Services</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will close files and discontinue services to clients when such services are no longer required or no longer serve the clients’ needs or interests.\r\n\r\n<strong> </strong>\r\n\r\n<strong>9. </strong><strong>Consultation</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will seek the advice and counsel of more experienced colleagues whenever such consultation is in the best interests of clients.  Consultation will only be sought from colleagues who have demonstrated knowledge, expertise and competence related to the subject of the consultation.  When consulting with colleagues about clients, Hope for Homeowners Consulting will disclose the least amount of information necessary to achieve the purposes of the consultation. Client information will only be shared with other colleagues with the written consent of the client.\r\n\r\n<strong>10. </strong><strong>Referrals</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will limit services to those within their training and expertise and refrain from giving legal, tax or accounting advice unless licensed to do so.\r\n\r\n<strong>11. </strong><strong>Integrity of Hope for Homeowners Consulting</strong>\r\n\r\n<strong> </strong>\r\n\r\nHope for Homeowners Consulting will work toward the maintenance and promotion of high standards of practice for the industry.  Hope for Homeowners Consulting will uphold and advance the values, ethics, knowledge and mission of the profession.  They will protect, enhance and improve the integrity of the profession through service development, partnerships and active participation in the industry.  Hope for Homeowners Consulting will contribute time and professional expertise to activities that promote respect for the value, integrity and competence of their profession.','Our Code of Ethics','','inherit','open','open','','118-revision-13','','','2011-06-20 16:50:51','2011-06-20 16:50:51','',118,'http://h4hconsulting.com/cms/1009/118-revision-13/',0,'revision','',0),(1010,1,'2010-08-12 14:49:20','2010-08-12 14:49:20','<strong><a href=\"http://h4hconsulting.com/cms/video-library/faq/deficiency-judgment/\" target=\"_blank\">Do you know what a Deficiency Judgment is and how it could harm you financially?</a>\r\n</strong>\r\n\r\n<a href=\"http://h4hconsulting.com/cms/video-library/faq/strategic-default\" target=\"_blank\"><strong>What is a Strategic Default and is it for me?</strong></a>','Definitions','','inherit','open','open','','218-revision-v1','','','2010-08-12 14:49:20','2010-08-12 14:49:20','',218,'http://h4hconsulting.com/cms/1010/218-revision-30/',0,'revision','',0),(1012,1,'2011-06-22 14:57:19','2011-06-22 14:57:19','JPMorgan Chase &amp; Co. has agreed to pay $153.6 million to settle  civil fraud charges that it misled buyers of complex mortgage  investments just before the housing market collapsed.\n\nThe  settlement with the Securities and Exchange Commission announced Tuesday  is one of the most significant legal actions targeting Wall Street\'s  role in the 2008 financial crisis. It comes a year after Goldman Sachs  &amp; Co. paid $550 million to settle similar charges....<a title=\"JPMorgan to pay $153 million to settle fraud charges\" href=\"http://www2.tbo.com/news/real-estate-news/2011/jun/21/jpmorgan-to-pay-153-million-to-settle-fraud-charge-ar-238901/\" target=\"_blank\">Read More</a>','RSS Text Size Print Share This JPMorgan to pay $153 million to settle fraud charges','','inherit','open','open','','1011-revision','','','2011-06-22 14:57:19','2011-06-22 14:57:19','',1011,'http://h4hconsulting.com/cms/1012/1011-revision/',0,'revision','',0),(1013,1,'2011-06-22 15:32:39','2011-06-22 15:32:39','JPMorgan Chase &amp; Co. has agreed to pay $153.6 million to settle  civil fraud charges that it misled buyers of complex mortgage  investments just before the housing market collapsed.\r\n\r\nThe  settlement with the Securities and Exchange Commission announced Tuesday  is one of the most significant legal actions targeting Wall Street\'s  role in the 2008 financial crisis. It comes a year after Goldman Sachs  &amp; Co. paid $550 million to settle similar charges....<a title=\"JPMorgan to pay $153 million to settle fraud charges\" href=\"http://www2.tbo.com/news/real-estate-news/2011/jun/21/jpmorgan-to-pay-153-million-to-settle-fraud-charge-ar-238901/\" target=\"_blank\">Read More</a>','RSS Text Size Print Share This JPMorgan to pay $153 million to settle fraud charges','','inherit','open','open','','1011-revision-2','','','2011-06-22 15:32:39','2011-06-22 15:32:39','',1011,'http://h4hconsulting.com/cms/1013/1011-revision-2/',0,'revision','',0),(1014,1,'2011-06-22 15:33:21','2011-06-22 15:33:21','JPMorgan Chase &amp; Co. has agreed to pay $153.6 million to settle  civil fraud charges that it misled buyers of complex mortgage  investments just before the housing market collapsed.\r\n\r\nThe  settlement with the Securities and Exchange Commission announced Tuesday  is one of the most significant legal actions targeting Wall Street\'s  role in the 2008 financial crisis. It comes a year after Goldman Sachs  &amp; Co. paid $550 million to settle similar charges....<a title=\"JPMorgan to pay $153 million to settle fraud charges\" href=\"http://www2.tbo.com/news/real-estate-news/2011/jun/21/jpmorgan-to-pay-153-million-to-settle-fraud-charge-ar-238901/\" target=\"_blank\">Read More</a>','RSS Text Size Print Share This JPMorgan to pay $153 million to settle fraud charges','','inherit','open','open','','1011-revision-3','','','2011-06-22 15:33:21','2011-06-22 15:33:21','',1011,'http://h4hconsulting.com/cms/1014/1011-revision-3/',0,'revision','',0),(1015,1,'2011-06-22 15:33:30','2011-06-22 15:33:30','JPMorgan Chase &amp; Co. has agreed to pay $153.6 million to settle  civil fraud charges that it misled buyers of complex mortgage  investments just before the housing market collapsed.\r\n\r\nThe  settlement with the Securities and Exchange Commission announced Tuesday  is one of the most significant legal actions targeting Wall Street\'s  role in the 2008 financial crisis. It comes a year after Goldman Sachs  &amp; Co. paid $550 million to settle similar charges....<a title=\"JPMorgan to pay $153 million to settle fraud charges\" href=\"http://www2.tbo.com/news/real-estate-news/2011/jun/21/jpmorgan-to-pay-153-million-to-settle-fraud-charge-ar-238901/\" target=\"_blank\">Read More</a>','RSS Text Size Print Share This JPMorgan to pay $153 million to settle fraud charges','','inherit','open','open','','1011-revision-4','','','2011-06-22 15:33:30','2011-06-22 15:33:30','',1011,'http://h4hconsulting.com/cms/1015/1011-revision-4/',0,'revision','',0),(1017,1,'2011-06-23 15:07:32','2011-06-23 15:07:32','Ok so we know this has nothing to do with homes or mortgages or even forclosures....But it does have something to do with family and at Hope for Homeowners Consulting family is very important to us.  Read the article below on why you should keep your loved ones away from the hospital in July!\n\nTypically, medical students graduate in June and begin their first year  of residency training — internship — in July. This group of eager new  interns invades the hospital to learn, care for patients, and make  medical decisions. One problem. They don’t know what they’re doing.  <a title=\"Why you should never go to the hospital in July\" href=\"http://thechart.blogs.cnn.com/2011/06/22/why-you-should-never-go-to-the-hospital-in-july/\" target=\"_blank\">Read More..</a>','Why you should never go to the hospital in July','','inherit','open','open','','1016-revision','','','2011-06-23 15:07:32','2011-06-23 15:07:32','',1016,'http://h4hconsulting.com/cms/1017/1016-revision/',0,'revision','',0),(1018,1,'2011-06-23 15:08:12','2011-06-23 15:08:12','Ok so we know this has nothing to do with homes or mortgages or even forclosures....But it does have something to do with family and at Hope for Homeowners Consulting family is very important to us.  Read the article below on why you should keep your loved ones away from the hospital in July!\r\n\r\nTypically, medical students graduate in June and begin their first year  of residency training — internship — in July. This group of eager new  interns invades the hospital to learn, care for patients, and make  medical decisions. One problem. They don’t know what they’re doing.  <a title=\"Why you should never go to the hospital in July\" href=\"http://thechart.blogs.cnn.com/2011/06/22/why-you-should-never-go-to-the-hospital-in-july/\" target=\"_blank\">Read More..</a>','Why you should never go to the hospital in July','','inherit','open','open','','1016-revision-2','','','2011-06-23 15:08:12','2011-06-23 15:08:12','',1016,'http://h4hconsulting.com/cms/1018/1016-revision-2/',0,'revision','',0),(1019,1,'2011-06-23 15:09:33','2011-06-23 15:09:33','Ok so we know this has nothing to do with homes or mortgages or even forclosures....But it does have something to do with family and at Hope for Homeowners Consulting family is very important to us.  Read the article below on why you should keep your loved ones away from the hospital in July!\r\n\r\nTypically, medical students graduate in June and begin their first year  of residency training — internship — in July. This group of eager new  interns invades the hospital to learn, care for patients, and make  medical decisions. One problem. They don’t know what they’re doing.  <a title=\"Why you should never go to the hospital in July\" href=\"http://thechart.blogs.cnn.com/2011/06/22/why-you-should-never-go-to-the-hospital-in-july/\" target=\"_blank\">Read More..</a>','Why you should never go to the hospital in July','','inherit','open','open','','1016-revision-3','','','2011-06-23 15:09:33','2011-06-23 15:09:33','',1016,'http://h4hconsulting.com/cms/1019/1016-revision-3/',0,'revision','',0),(1020,1,'2011-06-23 15:09:53','2011-06-23 15:09:53','Ok so we know this has nothing to do with homes or mortgages or even forclosures....But it does have something to do with family and at Hope for Homeowners Consulting family is very important to us.  Read the article below on why you should keep your loved ones away from the hospital in July!\r\n\r\nTypically, medical students graduate in June and begin their first year  of residency training — internship — in July. This group of eager new  interns invades the hospital to learn, care for patients, and make  medical decisions. One problem. They don’t know what they’re doing.  <a title=\"Why you should never go to the hospital in July\" href=\"http://thechart.blogs.cnn.com/2011/06/22/why-you-should-never-go-to-the-hospital-in-july/\" target=\"_blank\">Read More..</a>','Why you should never go to the hospital in July','','inherit','open','open','','1016-revision-4','','','2011-06-23 15:09:53','2011-06-23 15:09:53','',1016,'http://h4hconsulting.com/cms/1020/1016-revision-4/',0,'revision','',0),(1022,1,'2011-06-23 15:31:49','2011-06-23 15:31:49','Ok so we know this has nothing to do with homes or mortgages or even foreclosures....But it does have something to do with family and at Hope for Homeowners Consulting family is very important to us.  Read the article below on why you should keep your loved ones away from the hospital in July!\n\nTypically, medical students graduate in June and begin their first year  of residency training — internship — in July. This group of eager new  interns invades the hospital to learn, care for patients, and make  medical decisions. One problem. They don’t know what they’re doing.  <a title=\"Why you should never go to the hospital in July\" href=\"http://thechart.blogs.cnn.com/2011/06/22/why-you-should-never-go-to-the-hospital-in-july/\" target=\"_blank\">Read More..</a>','Why you should never go to the hospital in July','','inherit','open','open','','1016-autosave','','','2011-06-23 15:31:49','2011-06-23 15:31:49','',1016,'http://h4hconsulting.com/cms/1022/1016-autosave/',0,'revision','',0),(1041,1,'2011-07-05 15:02:53','2011-07-05 15:02:53','Fewer than 5,000 homeowners have taken advantage of an Obama administration program that aids “underwater” homeowners, reflecting banks’ resistance to offer such principal write-downs....<a title=\"Little Help From Government for ‘Underwater’ Homeowners\" href=\"http://blogs.wsj.com/developments/2011/07/01/little-help-from-government-for-underwater-homeowners/?KEYWORDS=foreclosure+crisis\" target=\"_blank\">Read More..</a>','Little Help From Government for ‘Underwater’ Homeowners','','publish','open','open','','little-help-from-government-for-%e2%80%98underwater%e2%80%99-homeowners','','','2011-07-05 15:02:53','2011-07-05 15:02:53','',0,'http://h4hconsulting.com/cms/?p=1041',0,'post','',0),(1025,1,'2011-06-27 18:49:42','2011-06-27 18:49:42','<a href=\"http://www.foxbusiness.com/topics/business/real-estate/foreclosures.htm\">Foreclosures</a>. Short Sales. Unemployment. Tight <a id=\"KonaLink0\" href=\"http://www.foxbusiness.com/personal-finance/2011/06/27/why-housing-crash-remains-wreck/#\"><span style=\"color: blue;\">credit</span></a>.  Overbuilding. Those are but some of the reasons housing markets in many  parts of the country remain stubbornly depressed, even while activity  in other economic sectors has begun to rebound.\r\n\r\nNew-home building and sales of existing  homes historically have been leading economic indicators, pointing the  way to robust recovery after a downturn. In the current cycle, however,  that hasn\'t happened, says Lawrence Yun, chief economist at the <a href=\"http://www.foxbusiness.com/topics/business/real-estate/national-association-of-realtors.htm\">National Association of Realtors. </a><a title=\"Why the Housing Crash Remains A Wreck\" href=\"http://www.foxbusiness.com/personal-finance/2011/06/27/why-housing-crash-remains-wreck/#ixzz1QVHsPZGt\" target=\"_blank\">Read more </a>','Why the Housing Crash Remains a Wreck','','publish','open','open','','why-the-housing-crash-remains-a-wreck','','','2011-06-27 18:49:42','2011-06-27 18:49:42','',0,'http://h4hconsulting.com/cms/?p=1025',0,'post','',0),(1026,1,'2011-06-27 18:48:07','2011-06-27 18:48:07','<a href=\"http://www.foxbusiness.com/topics/business/real-estate/foreclosures.htm\">Foreclosures</a>. Short Sales. Unemployment. Tight <a id=\"KonaLink0\" href=\"http://www.foxbusiness.com/personal-finance/2011/06/27/why-housing-crash-remains-wreck/#\"><span style=\"color: blue;\">credit</span></a>.  Overbuilding. Those are but some of the reasons housing markets in many  parts of the country remain stubbornly depressed, even while activity  in other economic sectors has begun to rebound.\n\nNew-home building and sales of existing  homes historically have been leading economic indicators, pointing the  way to robust recovery after a downturn. In the current cycle, however,  that hasn\'t happened, says Lawrence Yun, chief economist at the <a href=\"http://www.foxbusiness.com/topics/business/real-estate/national-association-of-realtors.htm\">National Association of Realtors. </a><a title=\"Why the Housing Crash Remains A Wreck\" href=\"http://www.foxbusiness.com/personal-finance/2011/06/27/why-housing-crash-remains-wreck/#ixzz1QVHsPZGt\" target=\"_blank\">Read more </a>','Why the Housing Crash Remains a Wreck','','inherit','open','open','','1025-revision','','','2011-06-27 18:48:07','2011-06-27 18:48:07','',1025,'http://h4hconsulting.com/cms/1026/1025-revision/',0,'revision','',0),(1027,1,'2011-06-27 18:48:34','2011-06-27 18:48:34','<a href=\"http://www.foxbusiness.com/topics/business/real-estate/foreclosures.htm\">Foreclosures</a>. Short Sales. Unemployment. Tight <a id=\"KonaLink0\" href=\"http://www.foxbusiness.com/personal-finance/2011/06/27/why-housing-crash-remains-wreck/#\"><span style=\"color: blue;\">credit</span></a>.  Overbuilding. Those are but some of the reasons housing markets in many  parts of the country remain stubbornly depressed, even while activity  in other economic sectors has begun to rebound.\r\n\r\nNew-home building and sales of existing  homes historically have been leading economic indicators, pointing the  way to robust recovery after a downturn. In the current cycle, however,  that hasn\'t happened, says Lawrence Yun, chief economist at the <a href=\"http://www.foxbusiness.com/topics/business/real-estate/national-association-of-realtors.htm\">National Association of Realtors. </a><a title=\"Why the Housing Crash Remains A Wreck\" href=\"http://www.foxbusiness.com/personal-finance/2011/06/27/why-housing-crash-remains-wreck/#ixzz1QVHsPZGt\" target=\"_blank\">Read more </a>','Why the Housing Crash Remains a Wreck','','inherit','open','open','','1025-revision-2','','','2011-06-27 18:48:34','2011-06-27 18:48:34','',1025,'http://h4hconsulting.com/cms/1027/1025-revision-2/',0,'revision','',0),(1051,1,'2011-07-07 18:30:45','2011-07-07 18:30:45','Three South Florida mortgage professionals conspired with a Pittsburgh title agent to defraud senior citizens through a reverse mortgage scam, according to allegations unveiled Wednesday by U.S. Attorney Wifredo Ferrer.\r\n\r\nThrough 1st Continental Mortgage Company, which has offices in Fort Lauderdale and Boca Raton, the group processed 14 reverse mortgages across the country and did not use the mortgage money to pay off the existing loans, the U.S. attorney charges.\r\n\r\nLouis Gendason, John Incadela, Marcos Echevarria of 1st Continental, and Kimberly Mackey, a title agent in Pittsburgh, obtained $2.5 million in reverse mortgage loans from Genworth Financial between 2009 and 2010....<a title=\"Reverse Mortgage Scam Targeted Seniors\" href=\"http://www.miamiherald.com/2011/07/06/2302886/reverse-mortgage-scam-targeted.html\" target=\"_blank\">Read More.</a>','Reverse mortgage scam targeted seniors','','publish','open','open','','reverse-mortgage-scam-targeted-seniors','','','2011-07-07 18:30:45','2011-07-07 18:30:45','',0,'http://h4hconsulting.com/cms/?p=1051',0,'post','',0),(1029,1,'2011-06-29 19:30:15','2011-06-29 19:30:15','New Port Richey city officials are trying to give the code enforcement  department the ability to hold owners of these types of properties  accountable. The City Commission approved a foreclosure registry  effective immediately...<a title=\"Pasco County city to add new ordinance to clean up messy foreclosure homes\" href=\"http://www.abcactionnews.com/dpp/news/region_pasco/new_port_richey/new-ordinance-aims-to-clean-up-foreclosure-mess\" target=\"_blank\">Read more.</a>','Pasco County city to add new ordinance to clean up messy foreclosure homes','','publish','open','open','','pasco-county-city-to-add-new-ordinance-to-clean-up-messy-foreclosure-homes','','','2011-06-29 19:30:15','2011-06-29 19:30:15','',0,'http://h4hconsulting.com/cms/?p=1029',0,'post','',0),(1030,1,'2011-06-29 19:28:22','2011-06-29 19:28:22','New Port Richey city officials are trying to give the code enforcement  department the ability to hold owners of these types of properties  accountable. The City Commission approved a foreclosure registry  effective immediately...<a href=\"http://www.abcactionnews.com/dpp/news/region_pasco/new_port_richey/new-ordinance-aims-to-clean-up-foreclosure-mess\" target=\"_blank\">Read more.</a>','Pasco County city to add new ordinance to clean up messy foreclosure homes','','inherit','open','open','','1029-revision','','','2011-06-29 19:28:22','2011-06-29 19:28:22','',1029,'http://h4hconsulting.com/cms/1030/1029-revision/',0,'revision','',0),(1031,1,'2011-06-29 19:28:43','2011-06-29 19:28:43','New Port Richey city officials are trying to give the code enforcement  department the ability to hold owners of these types of properties  accountable. The City Commission approved a foreclosure registry  effective immediately...<a title=\"Pasco County city to add new ordinance to clean up messy foreclosure homes\" href=\"http://www.abcactionnews.com/dpp/news/region_pasco/new_port_richey/new-ordinance-aims-to-clean-up-foreclosure-mess\" target=\"_blank\">Read more.</a>','Pasco County city to add new ordinance to clean up messy foreclosure homes','','inherit','open','open','','1029-revision-2','','','2011-06-29 19:28:43','2011-06-29 19:28:43','',1029,'http://h4hconsulting.com/cms/1031/1029-revision-2/',0,'revision','',0),(1032,1,'2011-06-29 19:29:29','2011-06-29 19:29:29','New Port Richey city officials are trying to give the code enforcement  department the ability to hold owners of these types of properties  accountable. The City Commission approved a foreclosure registry  effective immediately...<a title=\"Pasco County city to add new ordinance to clean up messy foreclosure homes\" href=\"http://www.abcactionnews.com/dpp/news/region_pasco/new_port_richey/new-ordinance-aims-to-clean-up-foreclosure-mess\" target=\"_blank\">Read more.</a>','Pasco County city to add new ordinance to clean up messy foreclosure homes','','inherit','open','open','','1029-revision-3','','','2011-06-29 19:29:29','2011-06-29 19:29:29','',1029,'http://h4hconsulting.com/cms/1032/1029-revision-3/',0,'revision','',0),(1033,5,'2011-06-30 20:14:57','2011-06-30 20:14:57','New Port Richey city officials are trying to give the code enforcement  department the ability to hold owners of these types of properties  accountable. The City Commission approved a foreclosure registry  effective immediately...<a title=\"Pasco County city to add new ordinance to clean up messy foreclosure homes\" href=\"http://www.abcactionnews.com/dpp/news/region_pasco/new_port_richey/new-ordinance-aims-to-clean-up-foreclosure-mess\" target=\"_blank\">Read more.</a>','Pasco County city to add new ordinance to clean up messy foreclosure homes','','inherit','open','open','','1029-autosave','','','2011-06-30 20:14:57','2011-06-30 20:14:57','',1029,'http://h4hconsulting.com/cms/1033/1029-autosave/',0,'revision','',0),(1054,1,'2011-07-11 15:26:00','2011-07-11 15:26:00','<h2>A growing number of home owners are opting for shorter loans with higher monthly payments. But that\'s not always smart.  For homeowners frightened by debt, paying off a mortgage has taken on new urgency -- so much so that they\'re opting for higher monthly payments just to be debt-free sooner. But with interest rates at record lows and property values still in flux, that may not be as admirable a goal as it appears...<a title=\"When Refinancing Doesn\'t Make Sense\" href=\"http://www.smartmoney.com/spend/real-estate/when-should-you-pay-down-your-mortgage-1310163869377/\" target=\"_blank\">Read More..</a></h2>','When Refinancing Doesn\'t Make Sense','','publish','open','open','','when-refinancing-doesnt-make-sense','','','2011-07-11 15:26:00','2011-07-11 15:26:00','',0,'http://h4hconsulting.com/cms/?p=1054',0,'post','',0),(1040,1,'2011-06-30 20:13:54','2011-06-30 20:13:54','<a href=\"http://www.foxbusiness.com/topics/business/real-estate/foreclosures.htm\">Foreclosures</a>. Short Sales. Unemployment. Tight <a id=\"KonaLink0\" href=\"http://www.foxbusiness.com/personal-finance/2011/06/27/why-housing-crash-remains-wreck/#\"><span style=\"color: blue;\">credit</span></a>.  Overbuilding. Those are but some of the reasons housing markets in many  parts of the country remain stubbornly depressed, even while activity  in other economic sectors has begun to rebound.\n\nNew-home building and sales of existing  homes historically have been leading economic indicators, pointing the  way to robust recovery after a downturn. In the current cycle, however,  that hasn\'t happened, says Lawrence Yun, chief economist at the <a href=\"http://www.foxbusiness.com/topics/business/real-estate/national-association-of-realtors.htm\">National Association of Realtors. </a><a title=\"Why the Housing Crash Remains A Wreck\" href=\"http://www.foxbusiness.com/personal-finance/2011/06/27/why-housing-crash-remains-wreck/#ixzz1QVHsPZGt\" target=\"_blank\">Read more </a>','Why the Housing Crash Remains a Wreck','','inherit','open','open','','1025-autosave','','','2011-06-30 20:13:54','2011-06-30 20:13:54','',1025,'http://h4hconsulting.com/cms/1040/1025-autosave/',0,'revision','',0),(1042,1,'2011-07-05 15:01:11','2011-07-05 15:01:11','Fewer than 5,000 homeowners have taken advantage of an Obama administration program that aids “underwater” homeowners, reflecting banks’ resistance to offer such principal write-downs....Read More..','Little Help From Government for ‘Underwater’ Homeowners','','inherit','open','open','','1041-revision','','','2011-07-05 15:01:11','2011-07-05 15:01:11','',1041,'http://h4hconsulting.com/cms/1042/1041-revision/',0,'revision','',0),(1043,1,'2011-07-05 15:01:32','2011-07-05 15:01:32','Fewer than 5,000 homeowners have taken advantage of an Obama administration program that aids “underwater” homeowners, reflecting banks’ resistance to offer such principal write-downs....<a title=\"Little Help From Government for ‘Underwater’ Homeowners\" href=\"http://blogs.wsj.com/developments/2011/07/01/little-help-from-government-for-underwater-homeowners/?KEYWORDS=foreclosure+crisis\" target=\"_blank\">Read More..</a>','Little Help From Government for ‘Underwater’ Homeowners','','inherit','open','open','','1041-revision-2','','','2011-07-05 15:01:32','2011-07-05 15:01:32','',1041,'http://h4hconsulting.com/cms/1043/1041-revision-2/',0,'revision','',0),(1065,1,'2011-07-14 14:40:29','2011-07-14 14:40:29','While they are fighting for our nation overseas, some military personnel are losing their houses to foreclosure here at home. In the thick of battle, in the heat of the fight, it\'s the last thing a GI should have to worry about.  While Coast Guardsman Keith Johnson was fighting for our country overseas, he was losing a battle here at home, for his home. ...<a title=\"Banks find it easy to skirt federal laws protecting servicemembers from foreclosure\" href=\"http://www.abcactionnews.com/dpp/news/local_news/investigations/Banks-find-it-easy-to-skirt-federal-laws-protecting-servicemembers-from-foreclosure\" target=\"_blank\">Read More</a>','Banks find it easy to skirt federal laws protecting servicemembers from foreclosure','','publish','open','open','','banks-find-it-easy-to-skirt-federal-laws-protecting-servicemembers-from-foreclosure','','','2011-07-14 14:40:29','2011-07-14 14:40:29','',0,'http://h4hconsulting.com/cms/?p=1065',0,'post','',0),(1048,1,'2011-07-06 16:31:35','2011-07-06 16:31:35','After going out of town, an 82-year-old man returned home to find his house emptied out.  Even the trash was gone.  He found a padlocked door and a sign for a company that cleans out properties in foreclosure....<a title=\"Tampa retiree says he lost belongings in foreclosure blunder\" href=\"http://www.tampabay.com/news/courts/civil/tampa-retiree-says-he-lost-belongings-in-foreclosure-blunder/1177248\" target=\"_blank\">Read More.</a>','Tampa retiree says he lost belongings in foreclosure blunder','','publish','open','open','','tampa-retiree-says-he-lost-belongings-in-foreclosure-blunder-2','','','2011-07-06 16:31:35','2011-07-06 16:31:35','',0,'http://h4hconsulting.com/cms/?p=1048',0,'post','',0),(1049,1,'2011-07-06 16:29:43','2011-07-06 16:29:43','','Tampa retiree says he lost belongings in foreclosure blunder','','inherit','open','open','','1048-revision','','','2011-07-06 16:29:43','2011-07-06 16:29:43','',1048,'http://h4hconsulting.com/cms/1049/1048-revision/',0,'revision','',0),(1050,1,'2011-07-06 16:30:44','2011-07-06 16:30:44','After going out of town, an 82-year-old man returned home to find his house emptied out. Even the trash was gone.\r\n\r\nHe found a padlocked door and a sign for a company that cleans out properties in foreclosure....<a title=\"Tampa retiree says he lost belongings in foreclosure blunder\" href=\"http://www.tampabay.com/news/courts/civil/tampa-retiree-says-he-lost-belongings-in-foreclosure-blunder/1177248\" target=\"_blank\">Read More.</a>','Tampa retiree says he lost belongings in foreclosure blunder','','inherit','open','open','','1048-revision-2','','','2011-07-06 16:30:44','2011-07-06 16:30:44','',1048,'http://h4hconsulting.com/cms/1050/1048-revision-2/',0,'revision','',0),(1052,1,'2011-07-07 18:26:55','2011-07-07 18:26:55','Three South Florida mortgage professionals conspired with a Pittsburgh title agent to defraud senior citizens through a reverse mortgage scam, according to allegations unveiled Wednesday by U.S. Attorney Wifredo Ferrer.\n\nThrough 1st Continental Mortgage Company, which has offices in Fort Lauderdale and Boca Raton, the group processed 14 reverse mortgages across the country and did not use the mortgage money to pay off the existing loans, the U.S. attorney charges.\n\nLouis Gendason, John Incadela, Marcos Echevarria of 1st Continental, and Kimberly Mackey, a title agent in Pittsburgh, obtained $2.5 million in reverse mortgage loans from Genworth Financial between 2009 and 2010.','Reverse mortgage scam targeted seniors','','inherit','open','open','','1051-revision','','','2011-07-07 18:26:55','2011-07-07 18:26:55','',1051,'http://h4hconsulting.com/cms/1052/1051-revision/',0,'revision','',0),(1053,1,'2011-07-07 18:29:39','2011-07-07 18:29:39','Three South Florida mortgage professionals conspired with a Pittsburgh title agent to defraud senior citizens through a reverse mortgage scam, according to allegations unveiled Wednesday by U.S. Attorney Wifredo Ferrer.\r\n\r\nThrough 1st Continental Mortgage Company, which has offices in Fort Lauderdale and Boca Raton, the group processed 14 reverse mortgages across the country and did not use the mortgage money to pay off the existing loans, the U.S. attorney charges.\r\n\r\nLouis Gendason, John Incadela, Marcos Echevarria of 1st Continental, and Kimberly Mackey, a title agent in Pittsburgh, obtained $2.5 million in reverse mortgage loans from Genworth Financial between 2009 and 2010....<a title=\"Reverse Mortgage Scam Targeted Seniors\" href=\"http://www.miamiherald.com/2011/07/06/2302886/reverse-mortgage-scam-targeted.html\" target=\"_blank\">Read More.</a>','Reverse mortgage scam targeted seniors','','inherit','open','open','','1051-revision-2','','','2011-07-07 18:29:39','2011-07-07 18:29:39','',1051,'http://h4hconsulting.com/cms/1053/1051-revision-2/',0,'revision','',0),(1055,1,'2011-07-11 15:25:24','2011-07-11 15:25:24','<h2>A growing number of home owners are opting for shorter loans with higher monthly payments. But that\'s not always smart.  For homeowners frightened by debt, paying off a mortgage has taken on new urgency -- so much so that they\'re opting for higher monthly payments just to be debt-free sooner. But with interest rates at record lows and property values still in flux, that may not be as admirable a goal as it appears...<a title=\"When Refinancing Doesn\'t Make Sense\" href=\"http://www.smartmoney.com/spend/real-estate/when-should-you-pay-down-your-mortgage-1310163869377/\" target=\"_blank\">Read More..</a></h2>','When Refinancing Doesn\'t Make Sense','','inherit','open','open','','1054-revision','','','2011-07-11 15:25:24','2011-07-11 15:25:24','',1054,'http://h4hconsulting.com/cms/1055/1054-revision/',0,'revision','',0),(1056,1,'2011-07-11 15:25:27','2011-07-11 15:25:27','<h2>A growing number of home owners are opting for shorter loans with higher monthly payments. But that\'s not always smart.  For homeowners frightened by debt, paying off a mortgage has taken on new urgency -- so much so that they\'re opting for higher monthly payments just to be debt-free sooner. But with interest rates at record lows and property values still in flux, that may not be as admirable a goal as it appears...<a title=\"When Refinancing Doesn\'t Make Sense\" href=\"http://www.smartmoney.com/spend/real-estate/when-should-you-pay-down-your-mortgage-1310163869377/\" target=\"_blank\">Read More..</a></h2>','When Refinancing Doesn\'t Make Sense','','inherit','open','open','','1054-revision-2','','','2011-07-11 15:25:27','2011-07-11 15:25:27','',1054,'http://h4hconsulting.com/cms/1056/1054-revision-2/',0,'revision','',0),(1069,1,'2011-07-19 20:14:37','2011-07-19 20:14:37','Paying your bills on time, having stable income and boasting a good credit score won\'t get you a mortgage loan if your lender determines that you live too close to the edge.\r\n\r\nIn the mortgage lending world, your distance from the edge is measured by your debt-to-income ratio, which, simply put, is a comparison of your housing expenses and monthly debt obligations versus how much you earn...<a title=\"You really should know your debt to income ration\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/you-really-should-know-your-debt-to-income-ratio-wptv1311003693213\" target=\"_blank\">Read more..</a>','You really should know your debt to income ratio ','','publish','open','open','','you-really-should-know-your-debt-to-income-ratio','','','2011-07-19 20:26:48','2011-07-19 20:26:48','',0,'http://h4hconsulting.com/cms/?p=1069',0,'post','',0),(1058,1,'2011-07-12 14:39:05','2011-07-12 14:39:05','Home buyers who have a credit score of 580 or better and a down payment of at least 3.5 percent of the home\'s purchase price might seem like good candidates for an FHA loan, insured by the Federal Housing Administration. But whether these borrowers will qualify for such a loan isn\'t quite so simple.\r\n\r\nOn paper, the FHA allows a minimum credit score of 500 if the borrower makes a down payment of at least 10 percent of the purchase price. Borrowers whose scores are 580 or higher can qualify with a 3.5 percent down payment...<a title=\"Federal Housing Administration gets tough on FHA loans\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/WMAR_federal-housing-administration-gets-tough-on-fha-loans1307460694408\" target=\"_blank\">Read More</a>','Federal Housing Administration gets tough on FHA loans','','publish','open','open','','federal-housing-administration-gets-tough-on-fha-loans-2','','','2011-07-12 14:39:23','2011-07-12 14:39:23','',0,'http://h4hconsulting.com/cms/?p=1058',0,'post','',0),(1059,1,'2011-07-12 14:38:10','2011-07-12 14:38:10','Homebuyers who have a credit score of 580 or better and a down payment of at least 3.5 percent of the home\'s purchase price might seem like good candidates for an FHA loan, insured by the Federal Housing Administration. But whether these borrowers will qualify for such a loan isn\'t quite so simple.\n\nOn paper, the FHA allows a minimum credit score of 500 if the borrower makes a down payment of at least 10 percent of the purchase price. Borrowers whose scores are 580 or higher can qualify with a 3.5 percent down payment...Read More','Federal Housing Administration gets tough on FHA loans','','inherit','open','open','','1058-revision','','','2011-07-12 14:38:10','2011-07-12 14:38:10','',1058,'http://h4hconsulting.com/cms/1059/1058-revision/',0,'revision','',0),(1060,1,'2011-07-12 14:38:30','2011-07-12 14:38:30','Homebuyers who have a credit score of 580 or better and a down payment of at least 3.5 percent of the home\'s purchase price might seem like good candidates for an FHA loan, insured by the Federal Housing Administration. But whether these borrowers will qualify for such a loan isn\'t quite so simple.\r\n\r\nOn paper, the FHA allows a minimum credit score of 500 if the borrower makes a down payment of at least 10 percent of the purchase price. Borrowers whose scores are 580 or higher can qualify with a 3.5 percent down payment...<a title=\"Federal Housing Administration gets tough on FHA loans\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/WMAR_federal-housing-administration-gets-tough-on-fha-loans1307460694408\" target=\"_blank\">Read More</a>','Federal Housing Administration gets tough on FHA loans','','inherit','open','open','','1058-revision-2','','','2011-07-12 14:38:30','2011-07-12 14:38:30','',1058,'http://h4hconsulting.com/cms/1060/1058-revision-2/',0,'revision','',0),(1061,1,'2011-07-12 14:39:05','2011-07-12 14:39:05','Homebuyers who have a credit score of 580 or better and a down payment of at least 3.5 percent of the home\'s purchase price might seem like good candidates for an FHA loan, insured by the Federal Housing Administration. But whether these borrowers will qualify for such a loan isn\'t quite so simple.\r\n\r\nOn paper, the FHA allows a minimum credit score of 500 if the borrower makes a down payment of at least 10 percent of the purchase price. Borrowers whose scores are 580 or higher can qualify with a 3.5 percent down payment...<a title=\"Federal Housing Administration gets tough on FHA loans\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/WMAR_federal-housing-administration-gets-tough-on-fha-loans1307460694408\" target=\"_blank\">Read More</a>','Federal Housing Administration gets tough on FHA loans','','inherit','open','open','','1058-revision-3','','','2011-07-12 14:39:05','2011-07-12 14:39:05','',1058,'http://h4hconsulting.com/cms/1061/1058-revision-3/',0,'revision','',0),(1062,1,'2011-07-13 14:57:16','2011-07-13 14:57:16','Remember how we all blamed investor/flippers using faulty financing for the housing crash?\r\n\r\nYou know, these are all the bad guys who ran up home prices to their own profit, with no concern for the inevitable fallout; they colluded with overzealous, borderline blind, lenders who gave anybody and everybody a loan with no attention paid to their ability to repay said loan.<a title=\"Fannie Mae Changes all-cash financing options\" href=\"http://www.usatoday.com/money/economy/2011-07-10-CNBC-fannie-mae_n.htm\" target=\"_blank\"> Read More..</a>','Fannie Mae changes all-cash financing options','','publish','open','open','','fannie-mae-changes-all-cash-financing-options','','','2011-07-13 14:57:16','2011-07-13 14:57:16','',0,'http://h4hconsulting.com/cms/?p=1062',0,'post','',0),(1063,1,'2011-07-13 14:50:41','2011-07-13 14:50:41','Remember how we all blamed investor/flippers using faulty financing for the housing crash?\n\nYou know, these are all the bad guys who ran up home prices to their own profit, with no concern for the inevitable fallout; they colluded with overzealous, borderline blind, lenders who gave anybody and everybody a loan with no attention paid to their ability to repay said loan. Read More..','Fannie Mae changes all-cash financing options','','inherit','open','open','','1062-revision','','','2011-07-13 14:50:41','2011-07-13 14:50:41','',1062,'http://h4hconsulting.com/cms/1063/1062-revision/',0,'revision','',0),(1064,1,'2011-07-13 14:54:09','2011-07-13 14:54:09','Remember how we all blamed investor/flippers using faulty financing for the housing crash?\n\nYou know, these are all the bad guys who ran up home prices to their own profit, with no concern for the inevitable fallout; they colluded with overzealous, borderline blind, lenders who gave anybody and everybody a loan with no attention paid to their ability to repay said loan.<a title=\"Fannie Mae Changes all-cash financing options\" href=\"http://www.usatoday.com/money/economy/2011-07-10-CNBC-fannie-mae_n.htm\" target=\"_blank\"> Read More..</a>','Fannie Mae changes all-cash financing options','','inherit','open','open','','1062-revision-2','','','2011-07-13 14:54:09','2011-07-13 14:54:09','',1062,'http://h4hconsulting.com/cms/1064/1062-revision-2/',0,'revision','',0),(1067,1,'2011-07-14 14:36:52','2011-07-14 14:36:52','While they are fighting for our nation overseas, some military personnel are losing their houses to foreclosure here at home. In the thick of battle, in the heat of the fight, it\'s the last thing a GI should have to worry about.  While Coast Guardsman Keith Johnson was fighting for our country overseas, he was losing a battle here at home, for his home. ...<a title=\"Banks find it easy to skirt federal laws protecting servicemembers from foreclosure\" href=\"http://www.abcactionnews.com/dpp/news/local_news/investigations/Banks-find-it-easy-to-skirt-federal-laws-protecting-servicemembers-from-foreclosure\" target=\"_blank\">Read More</a>','Banks find it easy to skirt federal laws protecting servicemembers from foreclosure','','inherit','open','open','','1065-revision-2','','','2011-07-14 14:36:52','2011-07-14 14:36:52','',1065,'http://h4hconsulting.com/cms/1067/1065-revision-2/',0,'revision','',0),(1075,1,'2011-07-22 19:43:01','2011-07-22 19:43:01','The story of Shawn Hill\'s battle for his Tampa house starts with a knock on the door.   \"He said, \'I\'m here to serve you a notice of foreclosure,\'\" Hill recounted.   Hill remembers that day in 2008 like it was yesterday.   \"You know, you have the wind knocked out of you,\" he said.  Fortunately, Hill was able to negotiate with his bank. He says they canceled the sale and approved loan modification.  Then, eleven days ago, he answered another knock at the door.   \"He says, I\'m an investor and I wanted to take a look at the property. The property is up for foreclosure this morning at the Hillsborough County Courthouse,\'\"Hill explained.  Hill thought he and his bank had reached an agreement. He says he was making payments and believed he was on track to save his home....<a title=\"More mistakes on horizon as foreclosures climb\" href=\"http://www.abcactionnews.com/dpp/news/region_tampa/north_tampa/attorney%3A-more-mistakes-on-horizon-as-foreclosures-climb-after-brief-lull\" target=\"_blank\">Read More.....</a>','More mistakes on horizon as foreclosures climb after brief lull','','publish','open','open','','more-mistakes-on-horizon-as-foreclosures-climb-after-brief-lull','','','2011-07-22 19:43:03','2011-07-22 19:43:03','',0,'http://h4hconsulting.com/cms/?p=1075',0,'post','',0),(1070,1,'2011-07-19 20:11:34','2011-07-19 20:11:34','Paying your bills on time, having stable income and boasting a good credit score won\'t get you a mortgage loan if your lender determines that you live too close to the edge.\n\nIn the mortgage lending world, your distance from the edge is measured by your debt-to-income ratio, which, simply put, is a comparison of your housing expenses and monthly debt obligations versus how much you earn...Read more..','You really should know your debt to income ratio ','','inherit','open','open','','1069-revision','','','2011-07-19 20:11:34','2011-07-19 20:11:34','',1069,'http://h4hconsulting.com/cms/1070/1069-revision/',0,'revision','',0),(1071,1,'2011-07-19 20:11:56','2011-07-19 20:11:56','Paying your bills on time, having stable income and boasting a good credit score won\'t get you a mortgage loan if your lender determines that you live too close to the edge.\r\n\r\nIn the mortgage lending world, your distance from the edge is measured by your debt-to-income ratio, which, simply put, is a comparison of your housing expenses and monthly debt obligations versus how much you earn...<a title=\"You really should know your debt to income ration\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/you-really-should-know-your-debt-to-income-ratio-wptv1311003693213\" target=\"_blank\">Read more..</a>','You really should know your debt to income ratio ','','inherit','open','open','','1069-revision-2','','','2011-07-19 20:11:56','2011-07-19 20:11:56','',1069,'http://h4hconsulting.com/cms/1071/1069-revision-2/',0,'revision','',0),(1086,1,'2011-08-15 02:22:46','2011-08-15 02:22:46','When dealing with a Tampa foreclosure or short sale a lot of questions arise and one of them might be \"What is a deficiency judgment and how does it impact me?\"\r\n\r\nWell, a deficiency judgment is an unsecured money judgment against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full.\r\n\r\nThe availability of a deficiency judgment depends on whether the lender has a recourse or non recourse loan, which is largely a matter of state law. In some jurisdictions, first mortgages are non-recourse loans, but second and subsequent ones are recourse loans.\r\n\r\nDealing with foreclosures and short sales can be confusing and overwhelming, so go and see our <a title=\"Tampa foreclosure\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video </a>about deficiency judgments and how it could impact you.','Tampa Foreclosures and deficiency judgment explained.','','publish','open','open','','tampa-foreclosures-and-deficiency-judgment-explained','','\nhttp://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/','2011-08-26 00:45:17','2011-08-26 00:45:17','',0,'http://h4hconsulting.com/cms/?p=1086',0,'post','',0),(1074,1,'2011-07-19 20:14:37','2011-07-19 20:14:37','Paying your bills on time, having stable income and boasting a good credit score won\'t get you a mortgage loan if your lender determines that you live too close to the edge.\r\n\r\nIn the mortgage lending world, your distance from the edge is measured by your debt-to-income ratio, which, simply put, is a comparison of your housing expenses and monthly debt obligations versus how much you earn...<a title=\"You really should know your debt to income ration\" href=\"http://www.abcactionnews.com/dpp/money/personal_finance/you-really-should-know-your-debt-to-income-ratio-wptv1311003693213\" target=\"_blank\">Read more..</a>','You really should know your debt to income ratio ','','inherit','open','open','','1069-revision-3','','','2011-07-19 20:14:37','2011-07-19 20:14:37','',1069,'http://h4hconsulting.com/cms/1074/1069-revision-3/',0,'revision','',0),(1076,1,'2011-07-22 19:40:03','2011-07-22 19:40:03','The story of Shawn Hill\'s battle for his Tampa house starts with a knock on the door.   \"He said, \'I\'m here to serve you a notice of foreclosure,\'\" Hill recounted.   Hill remembers that day in 2008 like it was yesterday.   \"You know, you have the wind knocked out of you,\" he said.  Fortunately, Hill was able to negotiate with his bank. He says they canceled the sale and approved loan modification.  Then, eleven days ago, he answered another knock at the door.   \"He says, I\'m an investor and I wanted to take a look at the property. The property is up for foreclosure this morning at the Hillsborough County Courthouse,\'\"Hill explained.  Hill thought he and his bank had reached an agreement. He says he was making payments and believed he was on track to save his home....Read More.....','Attorney: More mistakes on horizon as foreclosures climb after brief lull','','inherit','open','open','','1075-revision','','','2011-07-22 19:40:03','2011-07-22 19:40:03','',1075,'http://h4hconsulting.com/cms/1076/1075-revision/',0,'revision','',0),(1077,1,'2011-07-22 19:41:40','2011-07-22 19:41:40','The story of Shawn Hill\'s battle for his Tampa house starts with a knock on the door.   \"He said, \'I\'m here to serve you a notice of foreclosure,\'\" Hill recounted.   Hill remembers that day in 2008 like it was yesterday.   \"You know, you have the wind knocked out of you,\" he said.  Fortunately, Hill was able to negotiate with his bank. He says they canceled the sale and approved loan modification.  Then, eleven days ago, he answered another knock at the door.   \"He says, I\'m an investor and I wanted to take a look at the property. The property is up for foreclosure this morning at the Hillsborough County Courthouse,\'\"Hill explained.  Hill thought he and his bank had reached an agreement. He says he was making payments and believed he was on track to save his home....<a title=\"More mistakes on horizon as foreclosures climb\" href=\"http://www.abcactionnews.com/dpp/news/region_tampa/north_tampa/attorney%3A-more-mistakes-on-horizon-as-foreclosures-climb-after-brief-lull\" target=\"_blank\">Read More.....</a>','Attorney: More mistakes on horizon as foreclosures climb after brief lull','','inherit','open','open','','1075-revision-2','','','2011-07-22 19:41:40','2011-07-22 19:41:40','',1075,'http://h4hconsulting.com/cms/1077/1075-revision-2/',0,'revision','',0),(1078,1,'2011-07-22 19:43:01','2011-07-22 19:43:01','The story of Shawn Hill\'s battle for his Tampa house starts with a knock on the door.   \"He said, \'I\'m here to serve you a notice of foreclosure,\'\" Hill recounted.   Hill remembers that day in 2008 like it was yesterday.   \"You know, you have the wind knocked out of you,\" he said.  Fortunately, Hill was able to negotiate with his bank. He says they canceled the sale and approved loan modification.  Then, eleven days ago, he answered another knock at the door.   \"He says, I\'m an investor and I wanted to take a look at the property. The property is up for foreclosure this morning at the Hillsborough County Courthouse,\'\"Hill explained.  Hill thought he and his bank had reached an agreement. He says he was making payments and believed he was on track to save his home....<a title=\"More mistakes on horizon as foreclosures climb\" href=\"http://www.abcactionnews.com/dpp/news/region_tampa/north_tampa/attorney%3A-more-mistakes-on-horizon-as-foreclosures-climb-after-brief-lull\" target=\"_blank\">Read More.....</a>','More mistakes on horizon as foreclosures climb after brief lull','','inherit','open','open','','1075-revision-3','','','2011-07-22 19:43:01','2011-07-22 19:43:01','',1075,'http://h4hconsulting.com/cms/1078/1075-revision-3/',0,'revision','',0),(1079,1,'2011-07-25 18:39:00','2011-07-25 18:39:00','A Hillsborough County judge seeking to tame a backlog of thousands of foreclosure lawsuits is raising questions from critics who wonder whether she should be hearing foreclosure cases at all.  Judge Martha J. Cook has an ownership interest in Community Bank, where her husband, William H. Sedgeman Jr., serves as chairman and chief executive, public documents show.\r\nThe bank, known formally as Community Bank of Manatee, has 17 locations throughout the Tampa Bay area. The bank has been hard-hit by the foreclosure crisis and has struggled to shed troubled assets.  Like most banks, Community Bank often finds itself as a plaintiff against homeowners in foreclosure cases...<a title=\"Critics: Judge with interest in bank shouldn\'t hear foreclosures\" href=\"http://www2.tbo.com/business/business/2011/jul/22/menewso1-critics-judge-with-interest-in-bank-shoul-ar-245609/\" target=\"_blank\">Read More and tell us what you think. </a>','Critics: Judge with interest in bank shouldn\'t hear foreclosures','','publish','open','open','','critics-judge-with-interest-in-bank-shouldnt-hear-foreclosures','','','2011-07-25 18:39:00','2011-07-25 18:39:00','',0,'http://h4hconsulting.com/cms/?p=1079',0,'post','',0),(1080,1,'2011-07-25 18:37:59','2011-07-25 18:37:59','A Hillsborough County judge seeking to tame a backlog of thousands of foreclosure lawsuits is raising questions from critics who wonder whether she should be hearing foreclosure cases at all.  Judge Martha J. Cook has an ownership interest in Community Bank, where her husband, William H. Sedgeman Jr., serves as chairman and chief executive, public documents show.\nThe bank, known formally as Community Bank of Manatee, has 17 locations throughout the Tampa Bay area. The bank has been hard-hit by the foreclosure crisis and has struggled to shed troubled assets.  Like most banks, Community Bank often finds itself as a plaintiff against homeowners in foreclosure cases...<a title=\"Critics: Judge with interest in bank shouldn\'t hear foreclosures\" href=\"http://www2.tbo.com/business/business/2011/jul/22/menewso1-critics-judge-with-interest-in-bank-shoul-ar-245609/\" target=\"_blank\">Read More and tell us what you think. </a>','Critics: Judge with interest in bank shouldn\'t hear foreclosures','','inherit','open','open','','1079-revision','','','2011-07-25 18:37:59','2011-07-25 18:37:59','',1079,'http://h4hconsulting.com/cms/1080/1079-revision/',0,'revision','',0),(1081,1,'2011-07-25 18:38:01','2011-07-25 18:38:01','A Hillsborough County judge seeking to tame a backlog of thousands of foreclosure lawsuits is raising questions from critics who wonder whether she should be hearing foreclosure cases at all.  Judge Martha J. Cook has an ownership interest in Community Bank, where her husband, William H. Sedgeman Jr., serves as chairman and chief executive, public documents show.\r\nThe bank, known formally as Community Bank of Manatee, has 17 locations throughout the Tampa Bay area. The bank has been hard-hit by the foreclosure crisis and has struggled to shed troubled assets.  Like most banks, Community Bank often finds itself as a plaintiff against homeowners in foreclosure cases...<a title=\"Critics: Judge with interest in bank shouldn\'t hear foreclosures\" href=\"http://www2.tbo.com/business/business/2011/jul/22/menewso1-critics-judge-with-interest-in-bank-shoul-ar-245609/\" target=\"_blank\">Read More and tell us what you think. </a>','Critics: Judge with interest in bank shouldn\'t hear foreclosures','','inherit','open','open','','1079-revision-2','','','2011-07-25 18:38:01','2011-07-25 18:38:01','',1079,'http://h4hconsulting.com/cms/1081/1079-revision-2/',0,'revision','',0),(1082,1,'2011-07-25 18:38:10','2011-07-25 18:38:10','A Hillsborough County judge seeking to tame a backlog of thousands of foreclosure lawsuits is raising questions from critics who wonder whether she should be hearing foreclosure cases at all.  Judge Martha J. Cook has an ownership interest in Community Bank, where her husband, William H. Sedgeman Jr., serves as chairman and chief executive, public documents show.\r\nThe bank, known formally as Community Bank of Manatee, has 17 locations throughout the Tampa Bay area. The bank has been hard-hit by the foreclosure crisis and has struggled to shed troubled assets.  Like most banks, Community Bank often finds itself as a plaintiff against homeowners in foreclosure cases...<a title=\"Critics: Judge with interest in bank shouldn\'t hear foreclosures\" href=\"http://www2.tbo.com/business/business/2011/jul/22/menewso1-critics-judge-with-interest-in-bank-shoul-ar-245609/\" target=\"_blank\">Read More and tell us what you think. </a>','Critics: Judge with interest in bank shouldn\'t hear foreclosures','','inherit','open','open','','1079-revision-3','','','2011-07-25 18:38:10','2011-07-25 18:38:10','',1079,'http://h4hconsulting.com/cms/1082/1079-revision-3/',0,'revision','',0),(1083,1,'2011-07-25 18:38:24','2011-07-25 18:38:24','A Hillsborough County judge seeking to tame a backlog of thousands of foreclosure lawsuits is raising questions from critics who wonder whether she should be hearing foreclosure cases at all.  Judge Martha J. Cook has an ownership interest in Community Bank, where her husband, William H. Sedgeman Jr., serves as chairman and chief executive, public documents show.\r\nThe bank, known formally as Community Bank of Manatee, has 17 locations throughout the Tampa Bay area. The bank has been hard-hit by the foreclosure crisis and has struggled to shed troubled assets.  Like most banks, Community Bank often finds itself as a plaintiff against homeowners in foreclosure cases...<a title=\"Critics: Judge with interest in bank shouldn\'t hear foreclosures\" href=\"http://www2.tbo.com/business/business/2011/jul/22/menewso1-critics-judge-with-interest-in-bank-shoul-ar-245609/\" target=\"_blank\">Read More and tell us what you think. </a>','Critics: Judge with interest in bank shouldn\'t hear foreclosures','','inherit','open','open','','1079-revision-4','','','2011-07-25 18:38:24','2011-07-25 18:38:24','',1079,'http://h4hconsulting.com/cms/1083/1079-revision-4/',0,'revision','',0),(1087,1,'2011-08-15 02:18:27','2011-08-15 02:18:27','When dealing with a Tampa foreclosure or short sale a lot of questions arise and one of them might be \"What is a deficiency judgment and how does it impact me?\"\n\nWell, a deficiency judgment is an unsecured money judgment against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full.\n\nThe availability of a deficiency judgment depends on whether the lender has a recourse or nonrecourse loan, which is largely a matter of state law. In some jurisdictions, first mortgages are non-recourse loans, but second and subsequent ones are recourse loans.\n\nDealing with foreclosures and short sales can be confusing and overwhelming, so go and see our <a title=\"Tampa foreclosure\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video </a>about deficiency judgements and how it could impact you.','Tampa Foreclosures and deficiency judgment explained.','','inherit','open','open','','1086-revision','','','2011-08-15 02:18:27','2011-08-15 02:18:27','',1086,'http://h4hconsulting.com/cms/1087/1086-revision/',0,'revision','',0),(1088,1,'2011-08-15 02:22:01','2011-08-15 02:22:01','When dealing with a Tampa foreclosure or short sale a lot of questions arise and one of them might be \"What is a deficiency judgment and how does it impact me?\"\r\n\r\nWell, a deficiency judgment is an unsecured money judgment against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full.\r\n\r\nThe availability of a deficiency judgment depends on whether the lender has a recourse or nonrecourse loan, which is largely a matter of state law. In some jurisdictions, first mortgages are non-recourse loans, but second and subsequent ones are recourse loans.\r\n\r\nDealing with foreclosures and short sales can be confusing and overwhelming, so go and see our <a title=\"Tampa foreclosure\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video </a>about deficiency judgements and how it could impact you.','Tampa Foreclosures and deficiency judgment explained.','','inherit','open','open','','1086-revision-2','','','2011-08-15 02:22:01','2011-08-15 02:22:01','',1086,'http://h4hconsulting.com/cms/1088/1086-revision-2/',0,'revision','',0),(1090,1,'2011-08-26 00:45:05','2011-08-26 00:45:05','When dealing with a Tampa foreclosure or short sale a lot of questions arise and one of them might be \"What is a deficiency judgment and how does it impact me?\"\n\nWell, a deficiency judgment is an unsecured money judgment against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full.\n\nThe availability of a deficiency judgment depends on whether the lender has a recourse or non recourse loan, which is largely a matter of state law. In some jurisdictions, first mortgages are non-recourse loans, but second and subsequent ones are recourse loans.\n\nDealing with foreclosures and short sales can be confusing and overwhelming, so go and see our <a title=\"Tampa foreclosure\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video </a>about deficiency judgments and how it could impact you.','Tampa Foreclosures and deficiency judgment explained.','','inherit','open','open','','1086-autosave','','','2011-08-26 00:45:05','2011-08-26 00:45:05','',1086,'http://h4hconsulting.com/cms/1090/1086-autosave/',0,'revision','',0),(1092,1,'2011-08-16 01:33:16','2011-08-16 01:33:16','When dealing with a Tampa foreclosure or short sale a lot of questions arise and one of them might be \"What is a deficiency judgment and how does it impact me?\"\r\n\r\nWell, a deficiency judgment is an unsecured money judgment against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full.\r\n\r\nThe availability of a deficiency judgment depends on whether the lender has a recourse or non recourse loan, which is largely a matter of state law. In some jurisdictions, first mortgages are non-recourse loans, but second and subsequent ones are recourse loans.\r\n\r\nDealing with foreclosures and short sales can be confusing and overwhelming, so go and see our <a title=\"Tampa foreclosure\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video </a>about deficiency judgments and how it could impact you.','Tampa Foreclosures and deficiency judgment explained.','','inherit','open','open','','1086-revision-4','','','2011-08-16 01:33:16','2011-08-16 01:33:16','',1086,'http://h4hconsulting.com/cms/1092/1086-revision-4/',0,'revision','',0),(1091,1,'2011-08-15 02:22:46','2011-08-15 02:22:46','When dealing with a Tampa foreclosure or short sale a lot of questions arise and one of them might be \"What is a deficiency judgment and how does it impact me?\"\r\n\r\nWell, a deficiency judgment is an unsecured money judgment against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full.\r\n\r\nThe availability of a deficiency judgment depends on whether the lender has a recourse or nonrecourse loan, which is largely a matter of state law. In some jurisdictions, first mortgages are non-recourse loans, but second and subsequent ones are recourse loans.\r\n\r\nDealing with foreclosures and short sales can be confusing and overwhelming, so go and see our <a title=\"Tampa foreclosure\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video </a>about deficiency judgements and how it could impact you.','Tampa Foreclosures and deficiency judgment explained.','','inherit','open','open','','1086-revision-3','','','2011-08-15 02:22:46','2011-08-15 02:22:46','',1086,'http://h4hconsulting.com/cms/1091/1086-revision-3/',0,'revision','',0),(1093,1,'2011-08-16 01:34:44','2011-08-16 01:34:44','When dealing with a Tampa foreclosure or short sale a lot of questions arise and one of them might be \"What is a deficiency judgment and how does it impact me?\"\r\n\r\nWell, a deficiency judgment is an unsecured money judgment against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full.\r\n\r\nThe availability of a deficiency judgment depends on whether the lender has a recourse or non recourse loan, which is largely a matter of state law. In some jurisdictions, first mortgages are non-recourse loans, but second and subsequent ones are recourse loans.\r\n\r\nDealing with foreclosures and short sales can be confusing and overwhelming, so go and see our <a title=\"Tampa foreclosure\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video </a>about deficiency judgments and how it could impact you.','Tampa Foreclosures and deficiency judgment explained.','','inherit','open','open','','1086-revision-5','','','2011-08-16 01:34:44','2011-08-16 01:34:44','',1086,'http://h4hconsulting.com/cms/1093/1086-revision-5/',0,'revision','',0),(1096,1,'2011-08-26 01:43:32','2011-08-26 01:43:32','Let’s take a closer look at what deficiency judgments are now.\r\n\r\nSo when you default on a loan and the lender repossesses your property, the value of the property may not pay off the loan.\r\nFor example, you might owe $100,000 on your home, but it only sells for $80,000. You’re $20,000 short.\r\n\r\nBecause the lender wants all of the money back, they may take further legal action against you. Legal action to collect the remaining amount is called a deficiency judgment.\r\n\r\nA deficiency then, is the difference between the fair market value of the property and the amount received, providing the amount received is less than the amount owed.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-e1314322698106.jpg\"><img class=\"alignleft size-thumbnail wp-image-1101\" title=\"deficiency judgement Tampa\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>\r\n\r\nWhether the bank can pursue a deficiency judgment after a foreclosure or short sale depends in part on whether a promissory note makes the seller personally liable for the debt. Some states allow for personal liability.\r\n\r\nLearn more about all of this from Chris and his guest in\r\n\r\nthis <a title=\"deficiency judgement Tampa\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video</a>.','Tampa Foreclosure information about deficiency judgements continued...','','publish','open','open','','tampa-foreclosure-information-about-deficiency-judgements-continued','','\nhttp://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/','2011-08-26 01:44:38','2011-08-26 01:44:38','',0,'http://h4hconsulting.com/cms/?p=1096',0,'post','',0),(1095,1,'2011-08-16 01:38:02','2011-08-16 01:38:02','When dealing with a Tampa foreclosure or short sale a lot of questions arise and one of them might be \"What is a deficiency judgment and how does it impact me?\"\r\n\r\nWell, a deficiency judgment is an unsecured money judgment against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full.\r\n\r\nThe availability of a deficiency judgment depends on whether the lender has a recourse or non recourse loan, which is largely a matter of state law. In some jurisdictions, first mortgages are non-recourse loans, but second and subsequent ones are recourse loans.\r\n\r\nDealing with foreclosures and short sales can be confusing and overwhelming, so go and see our <a title=\"Tampa foreclosure\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video </a>about deficiency judgments and how it could impact you.','Tampa Foreclosures and deficiency judgment explained.','','inherit','open','open','','1086-revision-6','','','2011-08-16 01:38:02','2011-08-16 01:38:02','',1086,'http://h4hconsulting.com/cms/1095/1086-revision-6/',0,'revision','',0),(1097,1,'2011-08-26 01:27:10','2011-08-26 01:27:10','deficency judgement Tampa','deficency judgement Tampa','','inherit','open','open','','deficency-judgement','','','2011-08-26 01:27:10','2011-08-26 01:27:10','',1096,'http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficency-judgement.png',0,'attachment','image/png',0),(1098,1,'2011-08-26 01:26:04','2011-08-26 01:26:04','Let’s take a closer look at what deficiency judgments are now.\n\nSo when you default on a loan and the lender repossesses your property, the value of the property may not pay off the loan.\nFor example, you might owe $100,000 on your home, but it only sells for $80,000. You’re $20,000 short.\n\nBecause the lender wants all of the money back, they may take further legal action against you. Legal action to collect the remaining amount is called a deficiency judgment.\n\nA deficiency then, is the difference between the fair market value of the property and the amount received, providing the amount received is less than the amount owed.\n\nWhether the bank can pursue a deficiency judgment after a foreclosure or short sale depends in part on whether a promissory note makes the seller personally liable for the debt. Some states allow for personal liability.\n\nLearn more about all of this from Chris and his guest in this video. (http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/)','Tampa Foreclosure information about deficiency judgements continued...','','inherit','open','open','','1096-revision','','','2011-08-26 01:26:04','2011-08-26 01:26:04','',1096,'http://h4hconsulting.com/cms/1098/1096-revision/',0,'revision','',0),(1099,1,'2011-08-26 01:34:40','2011-08-26 01:34:40','','deficiency judgement Tampa','','inherit','open','open','','deficiency-judgement','','','2011-08-26 01:34:40','2011-08-26 01:34:40','',1096,'http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement.jpg',0,'attachment','image/jpeg',0),(1100,1,'2011-08-26 01:35:59','2011-08-26 01:35:59','','deficiency judgement Tampa','','inherit','open','open','','deficiency-judgement-2','','','2011-08-26 01:35:59','2011-08-26 01:35:59','',1096,'http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement1.jpg',0,'attachment','image/jpeg',0),(1101,1,'2011-08-26 01:37:55','2011-08-26 01:37:55','','deficiency judgement Tampa','','inherit','open','open','','deficiency-judgement-3','','','2011-08-26 01:37:55','2011-08-26 01:37:55','',1096,'http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2.jpg',0,'attachment','image/jpeg',0),(1102,1,'2011-08-26 01:30:05','2011-08-26 01:30:05','Let’s take a closer look at what deficiency judgments are now.\n\nSo when you default on a loan and the lender repossesses your property, the value of the property may not pay off the loan.\nFor example, you might owe $100,000 on your home, but it only sells for $80,000. You’re $20,000 short.\n\nBecause the lender wants all of the money back, they may take further legal action against you. Legal action to collect the remaining amount is called a deficiency judgment.\n\nA deficiency then, is the difference between the fair market value of the property and the amount received, providing the amount received is less than the amount owed.\n\nWhether t<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficency-judgement.png\"><img class=\"size-thumbnail wp-image-1097 alignleft\" title=\"deficency judgement Tampa\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficency-judgement-150x150.png\" alt=\"\" width=\"150\" height=\"150\" /></a>he bank can pursue a deficiency judgment after a foreclosure or short sale depends in part on whether a promissory note makes the seller personally liable for the debt. Some states allow for personal liability.\nLearn more about all of this from Chris and his guest in this video. (http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/)','Tampa Foreclosure information about deficiency judgements continued...','','inherit','open','open','','1096-revision-2','','','2011-08-26 01:30:05','2011-08-26 01:30:05','',1096,'http://h4hconsulting.com/cms/1102/1096-revision-2/',0,'revision','',0),(1103,1,'2011-08-26 01:40:14','2011-08-26 01:40:14','Let’s take a closer look at what deficiency judgments are now.\r\n\r\nSo when you default on a loan and the lender repossesses your property, the value of the property may not pay off the loan.\r\nFor example, you might owe $100,000 on your home, but it only sells for $80,000. You’re $20,000 short.\r\n\r\nBecause the lender wants all of the money back, they may take further legal action against you. Legal action to collect the remaining amount is called a deficiency judgment.\r\n\r\nA deficiency then, is the difference between the fair market value of the property and the amount received, providing the amount received is less than the amount owed.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-e1314322698106.jpg\"><img class=\"alignleft size-thumbnail wp-image-1101\" title=\"deficiency judgement Tampa\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>Whether the bank can pursue a deficiency judgment after a foreclosure or short sale depends in part on whether a promissory note makes the seller personally liable for the debt. Some states allow for personal liability.\r\n\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\nLearn more about all of this from Chris and his guest in this video. (http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/)','Tampa Foreclosure information about deficiency judgements continued...','','inherit','open','open','','1096-revision-3','','','2011-08-26 01:40:14','2011-08-26 01:40:14','',1096,'http://h4hconsulting.com/cms/1103/1096-revision-3/',0,'revision','',0),(1104,1,'2011-08-26 01:40:43','2011-08-26 01:40:43','Let’s take a closer look at what deficiency judgments are now.\r\n\r\nSo when you default on a loan and the lender repossesses your property, the value of the property may not pay off the loan.\r\nFor example, you might owe $100,000 on your home, but it only sells for $80,000. You’re $20,000 short.\r\n\r\nBecause the lender wants all of the money back, they may take further legal action against you. Legal action to collect the remaining amount is called a deficiency judgment.\r\n\r\nA deficiency then, is the difference between the fair market value of the property and the amount received, providing the amount received is less than the amount owed.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-e1314322698106.jpg\"><img class=\"alignleft size-thumbnail wp-image-1101\" title=\"deficiency judgement Tampa\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>\r\n\r\nWhether the bank can pursue a deficiency judgment after a foreclosure or short sale depends in part on whether a promissory note makes the seller personally liable for the debt. Some states allow for personal liability.\r\n\r\n\r\nLearn more about all of this from Chris and his guest in this video. (http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/)','Tampa Foreclosure information about deficiency judgements continued...','','inherit','open','open','','1096-revision-4','','','2011-08-26 01:40:43','2011-08-26 01:40:43','',1096,'http://h4hconsulting.com/cms/1104/1096-revision-4/',0,'revision','',0),(1105,1,'2011-08-26 01:41:52','2011-08-26 01:41:52','Let’s take a closer look at what deficiency judgments are now.\r\n\r\nSo when you default on a loan and the lender repossesses your property, the value of the property may not pay off the loan.\r\nFor example, you might owe $100,000 on your home, but it only sells for $80,000. You’re $20,000 short.\r\n\r\nBecause the lender wants all of the money back, they may take further legal action against you. Legal action to collect the remaining amount is called a deficiency judgment.\r\n\r\nA deficiency then, is the difference between the fair market value of the property and the amount received, providing the amount received is less than the amount owed.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-e1314322698106.jpg\"><img class=\"alignleft size-thumbnail wp-image-1101\" title=\"deficiency judgement Tampa\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>\r\n\r\nWhether the bank can pursue a deficiency judgment after a foreclosure or short sale depends in part on whether a promissory note makes the seller personally liable for the debt. Some states allow for personal liability.\r\n\r\n\r\nLearn more about all of this from Chris and his guest in this <a title=\"deficiency judgement Tampa\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video</a>.','Tampa Foreclosure information about deficiency judgements continued...','','inherit','open','open','','1096-revision-5','','','2011-08-26 01:41:52','2011-08-26 01:41:52','',1096,'http://h4hconsulting.com/cms/1105/1096-revision-5/',0,'revision','',0),(1106,1,'2011-08-26 01:43:32','2011-08-26 01:43:32','Let’s take a closer look at what deficiency judgments are now.\r\n\r\nSo when you default on a loan and the lender repossesses your property, the value of the property may not pay off the loan.\r\nFor example, you might owe $100,000 on your home, but it only sells for $80,000. You’re $20,000 short.\r\n\r\nBecause the lender wants all of the money back, they may take further legal action against you. Legal action to collect the remaining amount is called a deficiency judgment.\r\n\r\nA deficiency then, is the difference between the fair market value of the property and the amount received, providing the amount received is less than the amount owed.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-e1314322698106.jpg\"><img class=\"alignleft size-thumbnail wp-image-1101\" title=\"deficiency judgement Tampa\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>\r\n\r\nWhether the bank can pursue a deficiency judgment after a foreclosure or short sale depends in part on whether a promissory note makes the seller personally liable for the debt. Some states allow for personal liability.\r\n\r\nLearn more about all of this from Chris and his guest in\r\n\r\nthis <a title=\"deficiency judgement Tampa\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video</a>.','Tampa Foreclosure information about deficiency judgements continued...','','inherit','open','open','','1096-revision-6','','','2011-08-26 01:43:32','2011-08-26 01:43:32','',1096,'http://h4hconsulting.com/cms/1106/1096-revision-6/',0,'revision','',0),(1109,1,'2011-09-06 14:42:22','2011-09-06 14:42:22','Did you know that there a way to avoid deficiency judgments?\r\nYes. If you can stop foreclosure, you can avoid the judgment.\r\n\r\nIn case you’re having difficulty in making mortgage payments and a foreclosure is imminent, you can look for various loss mitigation options like loan modification, deed in lieu (DIL), etc.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1.jpg\"><img class=\"alignleft size-thumbnail wp-image-1111\" title=\"More foreclosure information in Florida or Wesley Chapel\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>A loan modification can reduce your mortgage payments and help you save the home.\r\n\r\nA deed in lieu does not help you retain the home. But it waives off the lender’s right to collect the deficiency. This helps you avoid a judgment.\r\n\r\n&nbsp;\r\n\r\nHowever, you should not believe in verbal agreements. If the deficiency is forgiven, always ask your lender to give it in writing before you proceed with the deed in lieu.\r\n\r\nHope this information on foreclosures in Wesley Chapel has shed some light on this very sensitive topic.\r\n\r\nFind out more about what a loan modification is, in this <a href=\"http://h4hconsulting.com/cms/video-library/what-is-a-loan-modification/\" target=\"_blank\">video</a>.','More foreclosure information in Florida or Wesley Chapel...','','publish','open','open','','more-foreclosure-information-in-florida-or-wesley-chapel','','\nhttp://h4hconsulting.com/cms/video-library/what-is-a-loan-modification/','2011-09-06 14:48:46','2011-09-06 14:48:46','',0,'http://h4hconsulting.com/cms/?p=1109',0,'post','',0),(1108,1,'2011-08-26 02:00:46','2011-08-26 02:00:46','Let’s take a closer look at what deficiency judgments are now.\n\nSo when you default on a loan and the lender repossesses your property, the value of the property may not pay off the loan.\nFor example, you might owe $100,000 on your home, but it only sells for $80,000. You’re $20,000 short.\n\nBecause the lender wants all of the money back, they may take further legal action against you. Legal action to collect the remaining amount is called a deficiency judgment.\n\nA deficiency then, is the difference between the fair market value of the property and the amount received, providing the amount received is less than the amount owed.\n\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-e1314322698106.jpg\"><img class=\"alignleft size-thumbnail wp-image-1101\" title=\"deficiency judgement Tampa\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/08/deficiency-judgement2-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>\n\nWhether the bank can pursue a deficiency judgment after a foreclosure or short sale depends in part on whether a promissory note makes the seller personally liable for the debt. Some states allow for personal liability.\n\nLearn more about all of this from Chris and his guest in\n\nthis <a title=\"deficiency judgement Tampa\" href=\"http://h4hconsulting.com/cms/video-library/how-will-a-deficiency-judgment-impact-me/\" target=\"_blank\">video</a>.','Tampa Foreclosure information about deficiency judgements continued...','','inherit','open','open','','1096-autosave','','','2011-08-26 02:00:46','2011-08-26 02:00:46','',1096,'http://h4hconsulting.com/cms/1108/1096-autosave/',0,'revision','',0),(1110,1,'2011-09-06 14:24:24','2011-09-06 14:24:24','','crossroads','','inherit','open','open','','crossroads','','','2011-09-06 14:24:24','2011-09-06 14:24:24','',1109,'http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads.jpg',0,'attachment','image/jpeg',0),(1111,1,'2011-09-06 14:25:16','2011-09-06 14:25:16','','More foreclosure information in Florida or Wesley Chapel','','inherit','open','open','','crossroads-2','','','2011-09-06 14:25:16','2011-09-06 14:25:16','',1109,'http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1.jpg',0,'attachment','image/jpeg',0),(1112,1,'2011-09-06 14:41:34','2011-09-06 14:41:34','Did you know that there a way to avoid deficiency judgments?\nYes. If you can stop foreclosure, you can avoid the judgment.\n\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1.jpg\"><img class=\"alignleft size-thumbnail wp-image-1111\" title=\"More foreclosure information in Florida or Wesley Chapel\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>In case you’re having difficulty in making mortgage payments and a foreclosure is imminent, you can look for various loss mitigation options like loan modification, deed in lieu (DIL), etc.\n\nA loan modification can reduce your mortgage payments and help you save the home.\n\nA deed in lieu does not help you retain the home. But it waives off the lender’s right to collect the deficiency. This helps you avoid a judgment.\n\nHowever, you should not believe in verbal agreements. If the deficiency is forgiven, always ask your lender to give it in writing before you proceed with the deed in lieu.\n\nHope this information on foreclosures in Wesley Chapel has shed some light on this very sensitive topic.','More foreclosure information in Florida or Wesley Chapel...','','inherit','open','open','','1109-revision','','','2011-09-06 14:41:34','2011-09-06 14:41:34','',1109,'http://h4hconsulting.com/cms/1112/1109-revision/',0,'revision','',0),(1113,1,'2011-09-06 14:42:22','2011-09-06 14:42:22','Did you know that there a way to avoid deficiency judgments?\r\nYes. If you can stop foreclosure, you can avoid the judgment.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1.jpg\"><img class=\"alignleft size-thumbnail wp-image-1111\" title=\"More foreclosure information in Florida or Wesley Chapel\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>In case you’re having difficulty in making mortgage payments and a foreclosure is imminent, you can look for various loss mitigation options like loan modification, deed in lieu (DIL), etc.\r\n\r\nA loan modification can reduce your mortgage payments and help you save the home.\r\n\r\nA deed in lieu does not help you retain the home. But it waives off the lender’s right to collect the deficiency. This helps you avoid a judgment.\r\n\r\nHowever, you should not believe in verbal agreements. If the deficiency is forgiven, always ask your lender to give it in writing before you proceed with the deed in lieu.\r\n\r\nHope this information on foreclosures in Wesley Chapel has shed some light on this very sensitive topic.','More foreclosure information in Florida or Wesley Chapel...','','inherit','open','open','','1109-revision-2','','','2011-09-06 14:42:22','2011-09-06 14:42:22','',1109,'http://h4hconsulting.com/cms/1113/1109-revision-2/',0,'revision','',0),(1114,1,'2011-09-06 14:43:17','2011-09-06 14:43:17','Did you know that there a way to avoid deficiency judgments?\r\nYes. If you can stop foreclosure, you can avoid the judgment.\r\n\r\nIn case you’re having difficulty in making mortgage payments and a foreclosure is imminent, you can look for various loss mitigation options like loan modification, deed in lieu (DIL), etc.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1.jpg\"><img class=\"alignleft size-thumbnail wp-image-1111\" title=\"More foreclosure information in Florida or Wesley Chapel\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>A loan modification can reduce your mortgage payments and help you save the home.\r\n\r\nA deed in lieu does not help you retain the home. But it waives off the lender’s right to collect the deficiency. This helps you avoid a judgment.\r\n\r\nHowever, you should not believe in verbal agreements. If the deficiency is forgiven, always ask your lender to give it in writing before you proceed with the deed in lieu.\r\n\r\nHope this information on foreclosures in Wesley Chapel has shed some light on this very sensitive topic.','More foreclosure information in Florida or Wesley Chapel...','','inherit','open','open','','1109-revision-3','','','2011-09-06 14:43:17','2011-09-06 14:43:17','',1109,'http://h4hconsulting.com/cms/1114/1109-revision-3/',0,'revision','',0),(1115,1,'2011-09-06 14:49:52','2011-09-06 14:49:52','Did you know that there a way to avoid deficiency judgments?\nYes. If you can stop foreclosure, you can avoid the judgment.\n\nIn case you’re having difficulty in making mortgage payments and a foreclosure is imminent, you can look for various loss mitigation options like loan modification, deed in lieu (DIL), etc.\n\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1.jpg\"><img class=\"alignleft size-thumbnail wp-image-1111\" title=\"More foreclosure information in Florida or Wesley Chapel\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>A loan modification can reduce your mortgage payments and help you save the home.\n\nA deed in lieu does not help you retain the home. But it waives off the lender’s right to collect the deficiency. This helps you avoid a judgment.\n\n&nbsp;\n\nHowever, you should not believe in verbal agreements. If the deficiency is forgiven, always ask your lender to give it in writing before you proceed with the deed in lieu.\n\nHope this information on foreclosures in Wesley Chapel has shed some light on this very sensitive topic.\n\nFind out more about what a loan modification is, in this <a href=\"http://h4hconsulting.com/cms/video-library/what-is-a-loan-modification/\" target=\"_blank\">video</a>.','More foreclosure information in Florida or Wesley Chapel...','','inherit','open','open','','1109-autosave','','','2011-09-06 14:49:52','2011-09-06 14:49:52','',1109,'http://h4hconsulting.com/cms/1115/1109-autosave/',0,'revision','',0),(1116,1,'2011-09-06 14:43:42','2011-09-06 14:43:42','Did you know that there a way to avoid deficiency judgments?\r\nYes. If you can stop foreclosure, you can avoid the judgment.\r\n\r\nIn case you’re having difficulty in making mortgage payments and a foreclosure is imminent, you can look for various loss mitigation options like loan modification, deed in lieu (DIL), etc.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1.jpg\"><img class=\"alignleft size-thumbnail wp-image-1111\" title=\"More foreclosure information in Florida or Wesley Chapel\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>A loan modification can reduce your mortgage payments and help you save the home.\r\n\r\nA deed in lieu does not help you retain the home. But it waives off the lender’s right to collect the deficiency. This helps you avoid a judgment.\r\n\r\n&nbsp;\r\n\r\nHowever, you should not believe in verbal agreements. If the deficiency is forgiven, always ask your lender to give it in writing before you proceed with the deed in lieu.\r\n\r\nHope this information on foreclosures in Wesley Chapel has shed some light on this very sensitive topic.','More foreclosure information in Florida or Wesley Chapel...','','inherit','open','open','','1109-revision-4','','','2011-09-06 14:43:42','2011-09-06 14:43:42','',1109,'http://h4hconsulting.com/cms/1116/1109-revision-4/',0,'revision','',0),(1117,1,'2011-09-06 14:46:50','2011-09-06 14:46:50','Did you know that there a way to avoid deficiency judgments?\r\nYes. If you can stop foreclosure, you can avoid the judgment.\r\n\r\nIn case you’re having difficulty in making mortgage payments and a foreclosure is imminent, you can look for various loss mitigation options like loan modification, deed in lieu (DIL), etc.\r\n\r\n<a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1.jpg\"><img class=\"alignleft size-thumbnail wp-image-1111\" title=\"More foreclosure information in Florida or Wesley Chapel\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2011/09/crossroads1-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" /></a>A loan modification can reduce your mortgage payments and help you save the home.\r\n\r\nA deed in lieu does not help you retain the home. But it waives off the lender’s right to collect the deficiency. This helps you avoid a judgment.\r\n\r\n&nbsp;\r\n\r\nHowever, you should not believe in verbal agreements. If the deficiency is forgiven, always ask your lender to give it in writing before you proceed with the deed in lieu.\r\n\r\nHope this information on foreclosures in Wesley Chapel has shed some light on this very sensitive topic.\r\n\r\nFind out more about what a loan modification is, in this <a href=\"http://h4hconsulting.com/cms/video-library/what-is-a-loan-modification/\" target=\"_blank\">video</a>.','More foreclosure information in Florida or Wesley Chapel...','','inherit','open','open','','1109-revision-5','','','2011-09-06 14:46:50','2011-09-06 14:46:50','',1109,'http://h4hconsulting.com/cms/1117/1109-revision-5/',0,'revision','',0),(1119,1,'2011-09-12 01:00:50','2011-09-12 01:00:50','This  live chat with Cheryl Johnson from Mason Title discussing best practices provides some short sale help for Tampa residents.\r\n\r\n<object width=\"560\" height=\"345\"><param name=\"movie\" value=\"http://www.youtube.com/v/nZMG3pIMS7A?version=3&amp;hl=en_US&amp;rel=0\"></param><param name=\"allowFullScreen\" value=\"true\"></param><param name=\"allowscriptaccess\" value=\"always\"></param><embed src=\"http://www.youtube.com/v/nZMG3pIMS7A?version=3&amp;hl=en_US&amp;rel=0\" type=\"application/x-shockwave-flash\" width=\"560\" height=\"345\" allowscriptaccess=\"always\" allowfullscreen=\"true\"></embed></object>','Short Sale Help for Tampa Homeowners','','publish','open','open','','short-sale-help-for-tampa-homeowners','','','2011-09-12 09:15:31','2011-09-12 13:15:31','',0,'http://h4hconsulting.com/cms/?p=1119',0,'post','',0),(1120,1,'2011-09-11 23:49:56','2011-09-11 23:49:56','This  live chat with Cheryl Johnson from Mason Title discussing best practices might provide some short sale help for Tampa residents.\n\n<iframe src=\"http://www.youtube.com/embed/nZMG3pIMS7A\" frameborder=\"0\" width=\"560\" height=\"345\"></iframe>','Short Sale Help for Tampa Homeowners','','inherit','open','open','','1119-revision','','','2011-09-11 23:49:56','2011-09-11 23:49:56','',1119,'http://h4hconsulting.com/cms/1120/1119-revision/',0,'revision','',0),(1121,1,'2011-09-12 08:54:01','2011-09-12 12:54:01','This  live chat with Cheryl Johnson from Mason Title discussing best practices might provide some short sale help for Tampa residents.\n\n<iframe src=\"http://www.youtube.com/embed/nZMG3pIMS7A\" frameborder=\"0\" width=\"560\" height=\"345\"></iframe>','Short Sale Help for Tampa Homeowners','','inherit','open','open','','1119-autosave','','','2011-09-12 08:54:01','2011-09-12 12:54:01','',1119,'http://h4hconsulting.com/cms/1121/1119-autosave/',0,'revision','',0),(1122,1,'2011-09-11 23:50:55','2011-09-11 23:50:55','This  live chat with Cheryl Johnson from Mason Title discussing best practices might provide some short sale help for Tampa residents.\r\n\r\n<iframe src=\"http://www.youtube.com/embed/nZMG3pIMS7A\" frameborder=\"0\" width=\"560\" height=\"345\"></iframe>','Short Sale Help for Tampa Homeowners','','inherit','open','open','','1119-revision-2','','','2011-09-11 23:50:55','2011-09-11 23:50:55','',1119,'http://h4hconsulting.com/cms/1122/1119-revision-2/',0,'revision','',0),(1123,1,'2011-09-11 19:58:51','2011-09-11 23:58:51','This  live chat with Cheryl Johnson from Mason Title discussing best practices might provide some short sale help for Tampa residents.\r\n\r\n<iframe src=\"http://www.youtube.com/embed/nZMG3pIMS7A\" frameborder=\"0\" width=\"560\" height=\"345\"></iframe>','Short Sale Help for Tampa Homeowners','','inherit','open','open','','1119-revision-3','','','2011-09-11 19:58:51','2011-09-11 23:58:51','',1119,'http://h4hconsulting.com/cms/1123/1119-revision-3/',0,'revision','',0),(1124,1,'2011-09-12 08:54:23','2011-09-12 12:54:23','This  live chat with Cheryl Johnson from Mason Title discussing best practices might provide some short sale help for Tampa residents.\r\n\r\n<object width=\"560\" height=\"345\"><param name=\"movie\" value=\"http://www.youtube.com/v/nZMG3pIMS7A?version=3&amp;hl=en_US&amp;rel=0\"></param><param name=\"allowFullScreen\" value=\"true\"></param><param name=\"allowscriptaccess\" value=\"always\"></param><embed src=\"http://www.youtube.com/v/nZMG3pIMS7A?version=3&amp;hl=en_US&amp;rel=0\" type=\"application/x-shockwave-flash\" width=\"560\" height=\"345\" allowscriptaccess=\"always\" allowfullscreen=\"true\"></embed></object>','Short Sale Help for Tampa Homeowners','','inherit','open','open','','1119-revision-4','','','2011-09-12 08:54:23','2011-09-12 12:54:23','',1119,'http://h4hconsulting.com/cms/1124/1119-revision-4/',0,'revision','',0),(1125,1,'2011-09-12 09:00:04','2011-09-12 13:00:04','This  live chat with Cheryl Johnson from Mason Title discussing best practices might provide some short sale help for Tampa residents.\r\n\r\n<object width=\"560\" height=\"345\"><param name=\"movie\" value=\"http://www.youtube.com/v/nZMG3pIMS7A?version=3&amp;hl=en_US&amp;rel=0\"></param><param name=\"allowFullScreen\" value=\"true\"></param><param name=\"allowscriptaccess\" value=\"always\"></param><embed src=\"http://www.youtube.com/v/nZMG3pIMS7A?version=3&amp;hl=en_US&amp;rel=0\" type=\"application/x-shockwave-flash\" width=\"560\" height=\"345\" allowscriptaccess=\"always\" allowfullscreen=\"true\"></embed></object>','Short Sale Help for Tampa Homeowners','','inherit','open','open','','1119-revision-5','','','2011-09-12 09:00:04','2011-09-12 13:00:04','',1119,'http://h4hconsulting.com/cms/1125/1119-revision-5/',0,'revision','',0),(1126,1,'2011-09-12 09:02:40','2011-09-12 13:02:40','This  live chat with Cheryl Johnson from Mason Title discussing best practices might provide some short sale help for Tampa residents.\r\n\r\n<object width=\"560\" height=\"345\"><param name=\"movie\" value=\"http://www.youtube.com/v/nZMG3pIMS7A?version=3&amp;hl=en_US&amp;rel=0\"></param><param name=\"allowFullScreen\" value=\"true\"></param><param name=\"allowscriptaccess\" value=\"always\"></param><embed src=\"http://www.youtube.com/v/nZMG3pIMS7A?version=3&amp;hl=en_US&amp;rel=0\" type=\"application/x-shockwave-flash\" width=\"560\" height=\"345\" allowscriptaccess=\"always\" allowfullscreen=\"true\"></embed></object>','Short Sale Help for Tampa Homeowners','','inherit','open','open','','1119-revision-6','','','2011-09-12 09:02:40','2011-09-12 13:02:40','',1119,'http://h4hconsulting.com/cms/1126/1119-revision-6/',0,'revision','',0),(1134,1,'2011-09-15 17:15:21','2011-09-15 21:15:21','<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral.jpg\"><img class=\"alignnone size-medium wp-image-946\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral-225x300.jpg\" alt=\"\" width=\"108\" height=\"144\" /></a></td>\r\n<td><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=13\">Consulting</a> </strong>- Hope for Homeowners Consulting assess each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and figure out which options are available to help each homeowner achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook , it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family, we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise; and with the knowledge and options we encourage the homeowner to choose the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-95\" title=\"services_10\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_10.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Short Sales</strong> <strong>&amp; Deed in Lieu\'s</strong></a> When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as handle the lender communication and apply any pressure needed to get the best outcome for you.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><img class=\"alignnone size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><strong>Property Management </strong></a>Our mission is to ensure that every property owner has a competent and honest professional to manage their most valuable asset. Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"></td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','Services','','inherit','open','open','','27-revision-v1','','','2011-09-15 17:15:21','2011-09-15 21:15:21','',27,'http://h4hconsulting.com/cms/1134/27-revision-52/',0,'revision','',0),(1135,5,'2011-09-16 19:17:01','2011-09-16 23:17:01','The latest short sale information in Tampa as of August 2011 in which the Tampa area home prices were up 1.3 percent from May to June. But still down 7 percent, year-over-year, according to the latest Standard &amp; Poor\'s/Case-Shiller Home price index.\r\nThis shows that Tampa is still on the downward trend and with a vast amount of inventory of distressed properties many real estate agents are of the opinion we have not hit the overall bottom in Tampa.  This can be backed up by the recent data from Core Logic’s report:\r\n\r\nStates With the Highest Number of Underwater Borrowers\r\n\r\n1. Nevada: 60 percent of all properties with a mortgage were considered underwater\r\n2. Arizona: 49%\r\n3. Florida: 45%\r\n4. Michigan: 36%\r\n5. California: 30%\r\n\r\n( as per REALTOR® Magazine Daily News)\r\n\r\nAccording to David M. Blitzer, chairman of the Index Committee at S&amp;P Indices \" ... those which set new lows in 2011 include the four Sun Belt cities – Las Vegas, Miami, Phoenix and Tampa – as well as the weakest of all, Detroit.\"\r\nHe went on to mention \"These shifts suggest that we are back to regional housing markets, rather than a national housing market, where everything rose and fell together.\"\r\nTampa Bay Business Journal 8/31/11\r\n\r\nFor more short sale information in Tampa see other posts below.','Latest Short Sale Information in Tampa','','publish','open','open','','latest-short-sale-information-in-tampa','','','2011-09-16 19:19:36','2011-09-16 23:19:36','',0,'http://h4hconsulting.com/cms/?p=1135',0,'post','',0),(1136,5,'2011-09-16 19:16:43','2011-09-16 23:16:43','The latest short sale information in Tampa as of August 2011 in which the Tampa area home prices were up 1.3 percent from May to June. But still down 7 percent, year-over-year, according to the latest Standard &amp; Poor\'s/Case-Shiller Home price index.\nThis shows that Tampa is still on the downward trend and with a vast amount of inventory of distressed properties many real estate agents are of the opinion we have not hit the overall bottom in Tampa.  This can be backed up by the recent data from Core Logic’s report:\n\nStates With the Highest Number of Underwater Borrowers\n\n1. Nevada: 60 percent of all properties with a mortgage were considered underwater\n2. Arizona: 49%\n3. Florida: 45%\n4. Michigan: 36%\n5. California: 30%\n\n( as per REALTOR® Magazine Daily News)\n\nAccording to David M. Blitzer, chairman of the Index Committee at S&amp;P Indices \" ... those which set new lows in 2011 include the four Sun Belt cities – Las Vegas, Miami, Phoenix and Tampa – as well as the weakest of all, Detroit.\"\nHe went on to mention \"These shifts suggest that we are back to regional housing markets, rather than a national housing market, where everything rose and fell together.\"\nTampa Bay Business Journal 8/31/11\n\nFor more short sale information in Tampa see other posts below.','Latest short sale information in Tampa','','inherit','open','open','','1135-revision','','','2011-09-16 19:16:43','2011-09-16 23:16:43','',1135,'http://h4hconsulting.com/cms/1136/1135-revision/',0,'revision','',0),(1137,5,'2011-09-16 19:17:01','2011-09-16 23:17:01','The latest short sale information in Tampa as of August 2011 in which the Tampa area home prices were up 1.3 percent from May to June. But still down 7 percent, year-over-year, according to the latest Standard &amp; Poor\'s/Case-Shiller Home price index.\r\nThis shows that Tampa is still on the downward trend and with a vast amount of inventory of distressed properties many real estate agents are of the opinion we have not hit the overall bottom in Tampa.  This can be backed up by the recent data from Core Logic’s report:\r\n\r\nStates With the Highest Number of Underwater Borrowers\r\n\r\n1. Nevada: 60 percent of all properties with a mortgage were considered underwater\r\n2. Arizona: 49%\r\n3. Florida: 45%\r\n4. Michigan: 36%\r\n5. California: 30%\r\n\r\n( as per REALTOR® Magazine Daily News)\r\n\r\nAccording to David M. Blitzer, chairman of the Index Committee at S&amp;P Indices \" ... those which set new lows in 2011 include the four Sun Belt cities – Las Vegas, Miami, Phoenix and Tampa – as well as the weakest of all, Detroit.\"\r\nHe went on to mention \"These shifts suggest that we are back to regional housing markets, rather than a national housing market, where everything rose and fell together.\"\r\nTampa Bay Business Journal 8/31/11\r\n\r\nFor more short sale information in Tampa see other posts below.','Latest short sale information in Tampa','','inherit','open','open','','1135-revision-2','','','2011-09-16 19:17:01','2011-09-16 23:17:01','',1135,'http://h4hconsulting.com/cms/1137/1135-revision-2/',0,'revision','',0),(1138,5,'2011-09-19 03:00:28','2011-09-19 07:00:28','Chris Sommer and his guest Michael Owen shed some light on how to deal with foreclosure defense in Tampa. They also talk about legal strategies for foreclosure and how to avoid deficiency judgments.\r\n\r\n<iframe src=\"http://www.youtube.com/embed/n0WnkY58YHg\" frameborder=\"0\" width=\"560\" height=\"315\"></iframe>','How to get the best foreclosure defense in Tampa','','publish','open','open','','how-to-get-the-best-foreclosure-defense-in-tampa','','','2011-09-18 20:29:46','2011-09-19 00:29:46','',0,'http://h4hconsulting.com/cms/?p=1138',0,'post','',0),(1139,5,'2011-09-18 20:29:32','2011-09-19 00:29:32','Chris Sommer and his guest Michael Owen shed some light on how to deal with foreclosure defense in Tampa. They also talk about legal strategies for foreclosure and how to avoid deficiency judgments.\n\n<iframe src=\"http://www.youtube.com/embed/n0WnkY58YHg\" frameborder=\"0\" width=\"560\" height=\"315\"></iframe>','How to get the best foreclosure defense in Tampa','','inherit','open','open','','1138-revision','','','2011-09-18 20:29:32','2011-09-19 00:29:32','',1138,'http://h4hconsulting.com/cms/1139/1138-revision/',0,'revision','',0),(1142,5,'2011-09-15 17:01:24','2011-09-15 21:01:24','At H4H Consulting, we have an experienced team of professionals and relationships with some of the area’s best real estate agents, property managers and attorneys.\r\n\r\nWith the package option that we have put together, you will be provided with  all the tools necessary to solve your specific challenge. This package begins with an in depth personal consultation, and a written action plan which will act as your road map to solving your specific challenges while giving you the opportunity to utilize any/all options needed to put you back on the path to financial stability! Order the 4HConsulting Homeowner Rescue Package below.\r\n<h1 style=\"text-align: center;\"><span style=\"color: #000080;\"><em><strong><a title=\"Order Online Today!\" href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\" target=\"_blank\">TO ORDER TODAY CLICK HERE!</a></strong></em></span></h1>\r\n<div style=\"height: 1em; visibility: hidden;\">.</div>','Homeowners','','inherit','open','open','','48-revision-25','','','2011-09-15 17:01:24','2011-09-15 21:01:24','',48,'http://h4hconsulting.com/cms/1142/48-revision-25/',0,'revision','',0),(1145,5,'2011-09-23 15:00:07','2011-09-23 19:00:07','Foreclosure help in Tampa may get much harder for homeowners as state leaders consider a nonjudicial process to clear out defaults.\r\n\r\nThe push is on in Tallahassee, Fl to remove courts from the foreclosure process.\r\n\r\nAccording to an article of Janet Zink at the St. Pete Times, supporters of the concept say it will speed foreclosures, get houses back onto the real estate market and boost the economy.\r\n\r\nOpponents say it puts property owners at the mercy of banks.\r\n\r\nFlorida’s Government is very interested in considering legislation to change laws so judges won\'t have to referee foreclosures. Foreclosures take longer and are more expensive in states that involve courts.\r\n\r\nForeclosure proceedings in Florida for example may take more than 600 days which many people close to Florida’s Government believe is too long.\r\n\r\nFlorida has the nation\'s second-highest foreclosure rate, and is one of 20 states that require all foreclosures to go through the court system.\r\n\r\nSo no surprise that Gov. Rick Scott said he is eager to learn more about the nonjudicial process and how making the switch might impact Florida\'s housing market.\r\n\r\nIn 2010, the Florida Bankers Association pushed unsuccessfully to change the state\'s law so judges didn\'t need to sign off on foreclosures. The Bankers Association believes that much of the state\'s housing crisis is caused by a glut of homes awaiting foreclosure since properties can’t get sold quickly and people don’t buy much paint and furniture anymore.\r\n\r\nBut state Rep. Darren Soto, D-Orlando, who fought the 2010 legislation, said he will fight it again. He thinks that replacing people\'s rights with expediency, particularly when talking about most important property rights, is not the right way. According to Soto, it is a homesteader\'s right to access the courts.\r\n\r\nEven in states where judges aren\'t forced to preside over foreclosure cases, property owners can take the proceedings in court. However, in Florida filing fees alone may cost up to $2,000, making it cost-prohibitive for most people in addition to incurred legal fees to fight foreclosure.\r\n\r\nThe following states offer nonjudicial foreclosures in at least some cases:\r\nAlabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Georgia, Hawaii, Idaho, Iowa, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, North Carolina, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming\r\nSource: Realty Trac\r\n\r\n<strong>How would the nonjudicial process work?</strong>\r\n\r\nFlorida lawmakers considered a nonjudicial foreclosure bill in 2010 with the following provisions:\r\n\r\n- Borrowers would first receive notice of default on the loan via U.S. mail.\r\n\r\n- No less than 30 days later, the borrower would receive a notice of foreclosure, and the lender would file a notice of foreclosure in county public records.\r\n\r\n- Five days after filing the notice of foreclosure, the lender must furnish copies of the notice to anyone with an ownership interest in the property, and 10 days after filing the notice with the clerk, the notice of foreclosure most be posted in a conspicuous place on the property.\r\n\r\n- The foreclosure would have to be completed no less than 90 days and no more than one year after filing the notice of foreclosure.\r\n\r\nIn conclusion, foreclosure help for Tampa homeowners and having that fighting chance in the foreclosure process may get much harder very soon as state leaders consider to clear out defaults as fast as possible.','Foreclosure Help in Tampa May Become Much Harder Soon','','publish','open','open','','foreclosure-help-in-tampa-may-become-much-harder-soon','','','2011-09-23 15:03:39','2011-09-23 19:03:39','',0,'http://h4hconsulting.com/cms/?p=1145',0,'post','',0),(1146,5,'2011-09-23 14:57:41','2011-09-23 18:57:41','Foreclosure help in Tampa may get much harder for homeowners as state leaders consider a nonjudicial process to clear out defaults.\n\nThe push is on in Tallahassee, Fl to remove courts from the foreclosure process.\n\nAccording to an article of Janet Zink at the St. Pete Times, supporters of the concept say it will speed foreclosures, get houses back onto the real estate market and boost the economy.\n\nOpponents say it puts property owners at the mercy of banks.\n\nFlorida’s Government is very interested in considering legislation to change laws so judges won\'t have to referee foreclosures. Foreclosures take longer and are more expensive in states that involve courts.\n\nForeclosure proceedings in Florida for example may take more than 600 days which many people close to Florida’s Government believe is too long.\n\nFlorida has the nation\'s second-highest foreclosure rate, and is one of 20 states that require all foreclosures to go through the court system.\n\nSo no surprise that Gov. Rick Scott said he is eager to learn more about the nonjudicial process and how making the switch might impact Florida\'s housing market.\n\nIn 2010, the Florida Bankers Association pushed unsuccessfully to change the state\'s law so judges didn\'t need to sign off on foreclosures. The Bankers Association believes that much of the state\'s housing crisis is caused by a glut of homes awaiting foreclosure since properties can’t get sold quickly and people don’t buy much paint and furniture anymore.\n\nBut state Rep. Darren Soto, D-Orlando, who fought the 2010 legislation, said he will fight it again. He thinks that replacing people\'s rights with expediency, particularly when talking about most important property rights, is not the right way. According to Soto, it a homesteader\'s right to access the courts.\n\nEven in states where judges aren\'t forced to preside over foreclosure cases, property owners can take the proceedings in court. However, in Florida filing fees alone may cost up to $2,000, making it cost-prohibitive for most people in addition to incurred legal fees to fight foreclosure.\n\nThe following states offer nonjudicial foreclosures in at least some cases:\nAlabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Georgia, Hawaii, Idaho, Iowa, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, North Carolina, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming\nSource: Realty Trac\n\n<strong>How would the nonjudicial process work?</strong>\n\nFlorida lawmakers considered a nonjudicial foreclosure bill in 2010 with the following provisions:\n\n- Borrowers would first receive notice of default on the loan via U.S. mail.\n\n- No less than 30 days later, the borrower would receive a notice of foreclosure, and the lender would file a notice of foreclosure in county public records.\n\n- Five days after filing the notice of foreclosure, the lender must furnish copies of the notice to anyone with an ownership interest in the property, and 10 days after filing the notice with the clerk, the notice of foreclosure most be posted in a conspicuous place on the property.\n\n- The foreclosure would have to be completed no less than 90 days and no more than one year after filing the notice of foreclosure.\n\nIn conclusion, foreclosure help for Tampa homeowners and having that fighting chance in the foreclosure process may get much harder very soon as state leaders consider to clear out defaults as fast as possible.','Foreclosure help in Tampa May Becaome Agonizing Soon','','inherit','open','open','','1145-revision','','','2011-09-23 14:57:41','2011-09-23 18:57:41','',1145,'http://h4hconsulting.com/cms/1146/1145-revision/',0,'revision','',0),(1147,5,'2011-09-23 14:58:41','2011-09-23 18:58:41','Foreclosure help in Tampa may get much harder for homeowners as state leaders consider a nonjudicial process to clear out defaults.\n\nThe push is on in Tallahassee, Fl to remove courts from the foreclosure process.\n\nAccording to an article of Janet Zink at the St. Pete Times, supporters of the concept say it will speed foreclosures, get houses back onto the real estate market and boost the economy.\n\nOpponents say it puts property owners at the mercy of banks.\n\nFlorida’s Government is very interested in considering legislation to change laws so judges won\'t have to referee foreclosures. Foreclosures take longer and are more expensive in states that involve courts.\n\nForeclosure proceedings in Florida for example may take more than 600 days which many people close to Florida’s Government believe is too long.\n\nFlorida has the nation\'s second-highest foreclosure rate, and is one of 20 states that require all foreclosures to go through the court system.\n\nSo no surprise that Gov. Rick Scott said he is eager to learn more about the nonjudicial process and how making the switch might impact Florida\'s housing market.\n\nIn 2010, the Florida Bankers Association pushed unsuccessfully to change the state\'s law so judges didn\'t need to sign off on foreclosures. The Bankers Association believes that much of the state\'s housing crisis is caused by a glut of homes awaiting foreclosure since properties can’t get sold quickly and people don’t buy much paint and furniture anymore.\n\nBut state Rep. Darren Soto, D-Orlando, who fought the 2010 legislation, said he will fight it again. He thinks that replacing people\'s rights with expediency, particularly when talking about most important property rights, is not the right way. According to Soto, it a homesteader\'s right to access the courts.\n\nEven in states where judges aren\'t forced to preside over foreclosure cases, property owners can take the proceedings in court. However, in Florida filing fees alone may cost up to $2,000, making it cost-prohibitive for most people in addition to incurred legal fees to fight foreclosure.\n\nThe following states offer nonjudicial foreclosures in at least some cases:\nAlabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Georgia, Hawaii, Idaho, Iowa, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, North Carolina, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming\nSource: Realty Trac\n\n<strong>How would the nonjudicial process work?</strong>\n\nFlorida lawmakers considered a nonjudicial foreclosure bill in 2010 with the following provisions:\n\n- Borrowers would first receive notice of default on the loan via U.S. mail.\n\n- No less than 30 days later, the borrower would receive a notice of foreclosure, and the lender would file a notice of foreclosure in county public records.\n\n- Five days after filing the notice of foreclosure, the lender must furnish copies of the notice to anyone with an ownership interest in the property, and 10 days after filing the notice with the clerk, the notice of foreclosure most be posted in a conspicuous place on the property.\n\n- The foreclosure would have to be completed no less than 90 days and no more than one year after filing the notice of foreclosure.\n\nIn conclusion, foreclosure help for Tampa homeowners and having that fighting chance in the foreclosure process may get much harder very soon as state leaders consider to clear out defaults as fast as possible.','Foreclosure Help in Tampa May Become Agonizing Soon','','inherit','open','open','','1145-revision-2','','','2011-09-23 14:58:41','2011-09-23 18:58:41','',1145,'http://h4hconsulting.com/cms/1147/1145-revision-2/',0,'revision','',0),(1148,5,'2011-09-23 14:59:36','2011-09-23 18:59:36','Foreclosure help in Tampa may get much harder for homeowners as state leaders consider a nonjudicial process to clear out defaults.\r\n\r\nThe push is on in Tallahassee, Fl to remove courts from the foreclosure process.\r\n\r\nAccording to an article of Janet Zink at the St. Pete Times, supporters of the concept say it will speed foreclosures, get houses back onto the real estate market and boost the economy.\r\n\r\nOpponents say it puts property owners at the mercy of banks.\r\n\r\nFlorida’s Government is very interested in considering legislation to change laws so judges won\'t have to referee foreclosures. Foreclosures take longer and are more expensive in states that involve courts.\r\n\r\nForeclosure proceedings in Florida for example may take more than 600 days which many people close to Florida’s Government believe is too long.\r\n\r\nFlorida has the nation\'s second-highest foreclosure rate, and is one of 20 states that require all foreclosures to go through the court system.\r\n\r\nSo no surprise that Gov. Rick Scott said he is eager to learn more about the nonjudicial process and how making the switch might impact Florida\'s housing market.\r\n\r\nIn 2010, the Florida Bankers Association pushed unsuccessfully to change the state\'s law so judges didn\'t need to sign off on foreclosures. The Bankers Association believes that much of the state\'s housing crisis is caused by a glut of homes awaiting foreclosure since properties can’t get sold quickly and people don’t buy much paint and furniture anymore.\r\n\r\nBut state Rep. Darren Soto, D-Orlando, who fought the 2010 legislation, said he will fight it again. He thinks that replacing people\'s rights with expediency, particularly when talking about most important property rights, is not the right way. According to Soto, it a homesteader\'s right to access the courts.\r\n\r\nEven in states where judges aren\'t forced to preside over foreclosure cases, property owners can take the proceedings in court. However, in Florida filing fees alone may cost up to $2,000, making it cost-prohibitive for most people in addition to incurred legal fees to fight foreclosure.\r\n\r\nThe following states offer nonjudicial foreclosures in at least some cases:\r\nAlabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Georgia, Hawaii, Idaho, Iowa, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, North Carolina, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming\r\nSource: Realty Trac\r\n\r\n<strong>How would the nonjudicial process work?</strong>\r\n\r\nFlorida lawmakers considered a nonjudicial foreclosure bill in 2010 with the following provisions:\r\n\r\n- Borrowers would first receive notice of default on the loan via U.S. mail.\r\n\r\n- No less than 30 days later, the borrower would receive a notice of foreclosure, and the lender would file a notice of foreclosure in county public records.\r\n\r\n- Five days after filing the notice of foreclosure, the lender must furnish copies of the notice to anyone with an ownership interest in the property, and 10 days after filing the notice with the clerk, the notice of foreclosure most be posted in a conspicuous place on the property.\r\n\r\n- The foreclosure would have to be completed no less than 90 days and no more than one year after filing the notice of foreclosure.\r\n\r\nIn conclusion, foreclosure help for Tampa homeowners and having that fighting chance in the foreclosure process may get much harder very soon as state leaders consider to clear out defaults as fast as possible.','Foreclosure Help in Tampa May Become Much Harder Soon','','inherit','open','open','','1145-revision-3','','','2011-09-23 14:59:36','2011-09-23 18:59:36','',1145,'http://h4hconsulting.com/cms/1148/1145-revision-3/',0,'revision','',0),(1149,5,'2011-09-23 15:00:07','2011-09-23 19:00:07','Foreclosure help in Tampa may get much harder for homeowners as state leaders consider a nonjudicial process to clear out defaults.\r\n\r\nThe push is on in Tallahassee, Fl to remove courts from the foreclosure process.\r\n\r\nAccording to an article of Janet Zink at the St. Pete Times, supporters of the concept say it will speed foreclosures, get houses back onto the real estate market and boost the economy.\r\n\r\nOpponents say it puts property owners at the mercy of banks.\r\n\r\nFlorida’s Government is very interested in considering legislation to change laws so judges won\'t have to referee foreclosures. Foreclosures take longer and are more expensive in states that involve courts.\r\n\r\nForeclosure proceedings in Florida for example may take more than 600 days which many people close to Florida’s Government believe is too long.\r\n\r\nFlorida has the nation\'s second-highest foreclosure rate, and is one of 20 states that require all foreclosures to go through the court system.\r\n\r\nSo no surprise that Gov. Rick Scott said he is eager to learn more about the nonjudicial process and how making the switch might impact Florida\'s housing market.\r\n\r\nIn 2010, the Florida Bankers Association pushed unsuccessfully to change the state\'s law so judges didn\'t need to sign off on foreclosures. The Bankers Association believes that much of the state\'s housing crisis is caused by a glut of homes awaiting foreclosure since properties can’t get sold quickly and people don’t buy much paint and furniture anymore.\r\n\r\nBut state Rep. Darren Soto, D-Orlando, who fought the 2010 legislation, said he will fight it again. He thinks that replacing people\'s rights with expediency, particularly when talking about most important property rights, is not the right way. According to Soto, it a homesteader\'s right to access the courts.\r\n\r\nEven in states where judges aren\'t forced to preside over foreclosure cases, property owners can take the proceedings in court. However, in Florida filing fees alone may cost up to $2,000, making it cost-prohibitive for most people in addition to incurred legal fees to fight foreclosure.\r\n\r\nThe following states offer nonjudicial foreclosures in at least some cases:\r\nAlabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Georgia, Hawaii, Idaho, Iowa, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, North Carolina, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming\r\nSource: Realty Trac\r\n\r\n<strong>How would the nonjudicial process work?</strong>\r\n\r\nFlorida lawmakers considered a nonjudicial foreclosure bill in 2010 with the following provisions:\r\n\r\n- Borrowers would first receive notice of default on the loan via U.S. mail.\r\n\r\n- No less than 30 days later, the borrower would receive a notice of foreclosure, and the lender would file a notice of foreclosure in county public records.\r\n\r\n- Five days after filing the notice of foreclosure, the lender must furnish copies of the notice to anyone with an ownership interest in the property, and 10 days after filing the notice with the clerk, the notice of foreclosure most be posted in a conspicuous place on the property.\r\n\r\n- The foreclosure would have to be completed no less than 90 days and no more than one year after filing the notice of foreclosure.\r\n\r\nIn conclusion, foreclosure help for Tampa homeowners and having that fighting chance in the foreclosure process may get much harder very soon as state leaders consider to clear out defaults as fast as possible.','Foreclosure Help in Tampa May Become Much Harder Soon','','inherit','open','open','','1145-revision-4','','','2011-09-23 15:00:07','2011-09-23 19:00:07','',1145,'http://h4hconsulting.com/cms/1149/1145-revision-4/',0,'revision','',0),(1167,5,'2011-10-07 11:53:01','2011-10-07 15:53:01','See how these struggling homeowners got support and guidance with their  delinquent mortgage:\r\n\r\n<iframe src=\"http://www.youtube.com/embed/ZjxJtpY9DMY\" frameborder=\"0\" width=\"560\" height=\"315\"></iframe>','Help for homeowners with Foreclosures in Wesley Chapel','','publish','open','open','','help-for-homeowners-with-foreclosures-in-wesley-chapel','','','2011-10-07 11:53:01','2011-10-07 15:53:01','',0,'http://h4hconsulting.com/cms/?p=1167',0,'post','',0),(1152,5,'2011-09-26 11:25:48','2011-09-26 15:25:48','<p>Watch the video to see some real-life scenarios about short sale, deed in lieu and loan modification.</p>\r\n\r\n<iframe width=\"560\" height=\"315\" src=\"http://www.youtube.com/embed/V-Inq_Q21rY\" frameborder=\"0\" allowfullscreen></iframe>\r\n','Short Sale Information for Wesley Chapel Homeowners','','publish','open','open','','short-sale-information-for-wesley-chapel-homeowners','','','2011-09-26 11:32:45','2011-09-26 15:32:45','',0,'http://h4hconsulting.com/cms/?p=1152',0,'post','',0),(1153,5,'2011-09-26 11:22:07','2011-09-26 15:22:07','<p>See some real-life scenarios about short sale, deed in lieu and loan modification.</p><p>&lt;iframe width=\"560\" height=\"315\" src=\"http://www.youtube.com/embed/V-Inq_Q21rY\" frameborder=\"0\" allowfullscreen&gt;&lt;/iframe&gt;</p><p>&nbsp;</p>','Short Sale Information for Wesley Chapel Homeowners','','inherit','open','open','','1152-revision','','','2011-09-26 11:22:07','2011-09-26 15:22:07','',1152,'http://h4hconsulting.com/cms/1153/1152-revision/',0,'revision','',0),(1154,5,'2011-09-26 11:23:49','2011-09-26 15:23:49','<p>See some real-life scenarios about short sale, deed in lieu and loan modification.</p><p>&lt;iframe width=\"560\" height=\"315\" src=\"http://www.youtube.com/embed/V-Inq_Q21rY\" frameborder=\"0\" allowfullscreen&gt;&lt;/iframe&gt;</p><p>&nbsp;</p>','Short Sale Information for Wesley Chapel Homeowners','','inherit','open','open','','1152-revision-2','','','2011-09-26 11:23:49','2011-09-26 15:23:49','',1152,'http://h4hconsulting.com/cms/1154/1152-revision-2/',0,'revision','',0),(1159,5,'2011-09-26 11:30:34','2011-09-26 15:30:34','<p>See some real-life scenarios about short sale, deed in lieu and loan modification.</p>\r\n<p>&nbsp;</p>\r\n\r\n<iframe width=\"560\" height=\"315\" src=\"http://www.youtube.com/embed/V-Inq_Q21rY\" frameborder=\"0\" allowfullscreen></iframe>\r\n','Short Sale Information for Wesley Chapel Homeowners','','inherit','open','open','','1152-revision-7','','','2011-09-26 11:30:34','2011-09-26 15:30:34','',1152,'http://h4hconsulting.com/cms/1159/1152-revision-7/',0,'revision','',0),(1155,5,'2011-09-26 11:24:33','2011-09-26 15:24:33','<p>See some real-life scenarios about short sale, deed in lieu and loan modification.</p><p>&lt;object width=\"560\" height=\"315\"&gt;&lt;param name=\"movie\" value=\"http://www.youtube.com/v/V-Inq_Q21rY?version=3&amp;amp;hl=en_US&amp;amp;rel=0\"&gt;&lt;/param&gt;&lt;param name=\"allowFullScreen\" value=\"true\"&gt;&lt;/param&gt;&lt;param name=\"allowscriptaccess\" value=\"always\"&gt;&lt;/param&gt;&lt;embed src=\"http://www.youtube.com/v/V-Inq_Q21rY?version=3&amp;amp;hl=en_US&amp;amp;rel=0\" type=\"application/x-shockwave-flash\" width=\"560\" height=\"315\" allowscriptaccess=\"always\" allowfullscreen=\"true\"&gt;&lt;/embed&gt;&lt;/object&gt;</p>','Short Sale Information for Wesley Chapel Homeowners','','inherit','open','open','','1152-revision-3','','','2011-09-26 11:24:33','2011-09-26 15:24:33','',1152,'http://h4hconsulting.com/cms/1155/1152-revision-3/',0,'revision','',0),(1156,5,'2011-09-26 11:24:52','2011-09-26 15:24:52','<p>See some real-life scenarios about short sale, deed in lieu and loan modification.</p><p>&lt;object width=\"560\" height=\"315\"&gt;&lt;param name=\"movie\" value=\"http://www.youtube.com/v/V-Inq_Q21rY?version=3&amp;amp;hl=en_US&amp;amp;rel=0\"&gt;&lt;/param&gt;&lt;param name=\"allowFullScreen\" value=\"true\"&gt;&lt;/param&gt;&lt;param name=\"allowscriptaccess\" value=\"always\"&gt;&lt;/param&gt;&lt;embed src=\"http://www.youtube.com/v/V-Inq_Q21rY?version=3&amp;amp;hl=en_US&amp;amp;rel=0\" type=\"application/x-shockwave-flash\" width=\"560\" height=\"315\" allowscriptaccess=\"always\" allowfullscreen=\"true\"&gt;&lt;/embed&gt;&lt;/object&gt;</p>','Short Sale Information for Wesley Chapel Homeowners','','inherit','open','open','','1152-revision-4','','','2011-09-26 11:24:52','2011-09-26 15:24:52','',1152,'http://h4hconsulting.com/cms/1156/1152-revision-4/',0,'revision','',0),(1158,5,'2011-09-26 11:26:39','2011-09-26 15:26:39','<p>See some real-life scenarios about short sale, deed in lieu and loan modification.</p><p>&nbsp;</p>','Short Sale Information for Wesley Chapel Homeowners','','inherit','open','open','','1152-revision-6','','','2011-09-26 11:26:39','2011-09-26 15:26:39','',1152,'http://h4hconsulting.com/cms/1158/1152-revision-6/',0,'revision','',0),(1157,5,'2011-09-26 11:25:48','2011-09-26 15:25:48','<p>See some real-life scenarios about short sale, deed in lieu and loan modification.</p><p>&lt;object width=\"560\" height=\"315\"&gt;&lt;param name=\"movie\" value=\"http://www.youtube.com/v/V-Inq_Q21rY?version=3&amp;amp;hl=en_US&amp;amp;rel=0\"&gt;&lt;/param&gt;&lt;param name=\"allowFullScreen\" value=\"true\"&gt;&lt;/param&gt;&lt;param name=\"allowscriptaccess\" value=\"always\"&gt;&lt;/param&gt;&lt;embed src=\"http://www.youtube.com/v/V-Inq_Q21rY?version=3&amp;amp;hl=en_US&amp;amp;rel=0\" type=\"application/x-shockwave-flash\" width=\"560\" height=\"315\" allowscriptaccess=\"always\" allowfullscreen=\"true\"&gt;&lt;/embed&gt;&lt;/object&gt;</p>','Short Sale Information for Wesley Chapel Homeowners','','inherit','open','open','','1152-revision-5','','','2011-09-26 11:25:48','2011-09-26 15:25:48','',1152,'http://h4hconsulting.com/cms/1157/1152-revision-5/',0,'revision','',0),(1160,5,'2011-09-26 11:31:00','2011-09-26 15:31:00','<p>See some real-life scenarios about short sale, deed in lieu and loan modification.</p>\r\n\r\n<iframe width=\"560\" height=\"315\" src=\"http://www.youtube.com/embed/V-Inq_Q21rY\" frameborder=\"0\" allowfullscreen></iframe>\r\n','Short Sale Information for Wesley Chapel Homeowners','','inherit','open','open','','1152-revision-8','','','2011-09-26 11:31:00','2011-09-26 15:31:00','',1152,'http://h4hconsulting.com/cms/1160/1152-revision-8/',0,'revision','',0),(1163,1,'2011-09-27 17:35:01','2011-09-27 21:35:01','<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral.jpg\"><img class=\"alignnone size-medium wp-image-946\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral-225x300.jpg\" alt=\"\" width=\"108\" height=\"144\" /></a></td>\r\n<td><span style=\"color: #333399;\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=13\"><span style=\"color: #333399;\">Consulting</span></a> </strong></span>- Hope for Homeowners Consulting (H4HC) assesses each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and which options are available to help achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook, it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family - we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise. Using our knowledge and experience we guide the homeowner to the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td style=\"text-align: left;\" valign=\"top\"> <a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_07.jpg\"><img class=\"alignleft size-full wp-image-94\" title=\"services_07\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td style=\"text-align: left;\"><!--[if gte mso 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10]>\r\n\r\n<style>\r\n /* Style Definitions */\r\n table.MsoNormalTable\r\n	{mso-style-name:\"Table Normal\";\r\n	mso-tstyle-rowband-size:0;\r\n	mso-tstyle-colband-size:0;\r\n	mso-style-noshow:yes;\r\n	mso-style-priority:99;\r\n	mso-style-qformat:yes;\r\n	mso-style-parent:\"\";\r\n	mso-padding-alt:0in 5.4pt 0in 5.4pt;\r\n	mso-para-margin:0in;\r\n	mso-para-margin-bottom:.0001pt;\r\n	mso-pagination:widow-orphan;\r\n	font-size:10.0pt;\r\n	font-family:\"Times New Roman\",\"serif\";}\r\n</style><![endif]-->\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.25in; text-align: center;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\"><span style=\"font-size: 14pt;\">Manage settlement Process from beginning to end</span></span></strong><strong></strong></span></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.5in;\">With the H4H Consulting Homeowner Rescue package we will manage all correspondence, financial paperwork, and communication with your lien holders.The settlement process is most often a very time consuming and aggravating struggle.  We will make sure your case is managed professionally, efficiently, and successfully leveraged to maximize your best financial outcome. We allow our clients peace of mind knowing their case is in good hands and they<span style=\"color: #000000;\"> can</span> go on living their lives while we fight the lenders for settlement<span style=\"color: #1f497d;\">. </span>We have the knowledge, experience, determination and problem solving skills that allow us to get results for our clients<span style=\"color: #1f497d;\">. </span>Our #1 objective for each client is settlement with Full Waiver of Deficiency!!<strong></strong></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.5in;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\">Possible settlement options most commonly consist of some of the following:</span></strong></span></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.75in;\"><strong><span style=\"text-decoration: underline;\"><span style=\"color: #333399; text-decoration: underline;\">Short</span> <span style=\"color: #333399; text-decoration: underline;\">Sale</span></span></strong><span style=\"color: blue;\"> <strong> </strong></span>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as manage the communication with the lender and apply any pressure needed to get the best outcome for you.</p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.75in;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\">Deed–in-Lieu of Foreclosure</span></strong></span><strong></strong><span style=\"font-size: 11pt;\"> A deed-in-lieu of foreclosure voluntarily transfers ownership of your home and all real property secured by your mortgage loan (property) to lender to satisfy the total amount due on the first mortgage.  The DIL option will not allow you to keep your property, however, it will prevent you from going through a foreclosure sale and it will release you from all responsibility to repay the mortgage debt.</span></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.75in;\"><span style=\"color: #0000ff;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\">Bankruptcy</span></strong></span><strong></strong></span><span style=\"font-size: 11pt;\"> This option can liquidate debt and/or allow more time.  H4HC will refer you to a qualified bankruptcy attorney in our sphere of influence.</span><strong><span style=\"font-size: 11pt;\">  Chapter 7 </span></strong><span style=\"font-size: 11pt;\">(Liquidation) To completely settle personal debt.</span><strong><span style=\"font-size: 11pt;\">  Chapter 13 </span></strong><span style=\"font-size: 11pt;\">(Wage Earner Plan) Payments are made toward a plan to pay off debts in 3-5 years.</span></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"> <a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\"><img class=\"alignleft size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" /></a></td>\r\n<td><!--[if gte mso 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10]>\r\n\r\n<style>\r\n /* Style Definitions */\r\n table.MsoNormalTable\r\n	{mso-style-name:\"Table Normal\";\r\n	mso-tstyle-rowband-size:0;\r\n	mso-tstyle-colband-size:0;\r\n	mso-style-noshow:yes;\r\n	mso-style-priority:99;\r\n	mso-style-qformat:yes;\r\n	mso-style-parent:\"\";\r\n	mso-padding-alt:0in 5.4pt 0in 5.4pt;\r\n	mso-para-margin-top:0in;\r\n	mso-para-margin-right:0in;\r\n	mso-para-margin-bottom:10.0pt;\r\n	mso-para-margin-left:0in;\r\n	line-height:115%;\r\n	mso-pagination:widow-orphan;\r\n	font-size:11.0pt;\r\n	font-family:\"Calibri\",\"sans-serif\";\r\n	mso-ascii-font-family:Calibri;\r\n	mso-ascii-theme-font:minor-latin;\r\n	mso-hansi-font-family:Calibri;\r\n	mso-hansi-theme-font:minor-latin;\r\n	mso-bidi-font-family:\"Times New Roman\";\r\n	mso-bidi-theme-font:minor-bidi;}\r\n</style><![endif]-->\r\n<p class=\"MsoListParagraph\" style=\"margin-left: 0in; text-align: center;\"><span style=\"color: #333399;\"><span style=\"text-decoration: underline;\"><strong><span style=\"font-size: 14pt;\">H4H Consulting works with a Network of Top</span></strong></span><strong><span style=\"font-size: 14pt;\">         </span></strong><strong><span style=\"font-size: 14pt;\">  </span></strong><strong></strong><span style=\"text-decoration: underline;\"><strong><span style=\"font-size: 14pt;\">Real Estate Professionals</span></strong></span></span></p>\r\n<p class=\"MsoListParagraph\" style=\"margin-left: 0in; text-align: left;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\">Attorneys</span><span style=\"text-decoration: underline;\"> (</span><span style=\"text-decoration: underline;\">Foreclosure</span> <span style=\"text-decoration: underline;\">Defens</span><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\">e</span>,</span> <span style=\"text-decoration: underline;\">Bankruptc</span><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\">y</span>,</span> <span style=\"text-decoration: underline;\">Real</span> <span style=\"text-decoration: underline;\">Estate</span><span style=\"text-decoration: underline;\">,</span> <span style=\"text-decoration: underline;\">Et</span><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\">c</span>.)</span></span></strong></span>  To ensure a homeowner is properly represented and protected under all aspects of law pertaining to the rights of the homeowner.  A lawyer involves the practical application of abstract legal theories and knowledge to solve specific individualized problems, or to advance the interests of those who retain lawyers to perform legal services.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"></td>\r\n<td><!--[if gte mso 9]><xml>\r\n<w:WordDocument>\r\n<w:View>Normal</w:View>\r\n<w:Zoom>0</w:Zoom>\r\n<w:TrackMoves/>\r\n<w:TrackFormatting/>\r\n<w:PunctuationKerning/>\r\n<w:ValidateAgainstSchemas/>\r\n<w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid>\r\n<w:IgnoreMixedContent>false</w:IgnoreMixedContent>\r\n<w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText>\r\n<w:DoNotPromoteQF/>\r\n<w:LidThemeOther>EN-US</w:LidThemeOther>\r\n<w:LidThemeAsian>X-NONE</w:LidThemeAsian>\r\n<w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript>\r\n<w:Compatibility>\r\n<w:BreakWrappedTables/>\r\n<w:SnapToGridInCell/>\r\n<w:WrapTextWithPunct/>\r\n<w:UseAsianBreakRules/>\r\n<w:DontGrowAutofit/>\r\n<w:SplitPgBreakAndParaMark/>\r\n<w:DontVertAlignCellWithSp/>\r\n<w:DontBreakConstrainedForcedTables/>\r\n<w:DontVertAlignInTxbx/>\r\n<w:Word11KerningPairs/>\r\n<w:CachedColBalance/>\r\n</w:Compatibility>\r\n<w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel>\r\n<m:mathPr>\r\n<m:mathFont m:val=\"Cambria 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Locked=\"false\" Priority=\"71\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Colorful Shading Accent 2\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"72\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Colorful List Accent 2\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"73\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Colorful Grid Accent 2\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"60\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Light Shading Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"61\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Light List Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"62\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Light Grid Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"63\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Shading 1 Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"64\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Shading 2 Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"65\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium List 1 Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"66\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium List 2 Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"67\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Grid 1 Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"68\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Grid 2 Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"69\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Grid 3 Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"70\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Dark List Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"71\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Colorful Shading Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"72\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Colorful List Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"73\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Colorful Grid Accent 3\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"60\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Light Shading Accent 4\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"61\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Light List Accent 4\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"62\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Light Grid Accent 4\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"63\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Shading 1 Accent 4\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"64\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Shading 2 Accent 4\"/>\r\n<w:LsdException 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Name=\"Medium List 1 Accent 5\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"66\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium List 2 Accent 5\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"67\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Grid 1 Accent 5\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"68\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Grid 2 Accent 5\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"69\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Grid 3 Accent 5\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"70\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Dark List Accent 5\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"71\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Colorful Shading Accent 5\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"72\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Colorful List Accent 5\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"73\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Colorful Grid Accent 5\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"60\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Light Shading Accent 6\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"61\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Light List Accent 6\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"62\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Light Grid Accent 6\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"63\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Shading 1 Accent 6\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"64\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium Shading 2 Accent 6\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"65\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" Name=\"Medium List 1 Accent 6\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"66\" 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Name=\"Colorful Grid Accent 6\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"19\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" QFormat=\"true\" Name=\"Subtle Emphasis\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"21\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" QFormat=\"true\" Name=\"Intense Emphasis\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"31\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" QFormat=\"true\" Name=\"Subtle Reference\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"32\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" QFormat=\"true\" Name=\"Intense Reference\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"33\" SemiHidden=\"false\"\r\nUnhideWhenUsed=\"false\" QFormat=\"true\" Name=\"Book Title\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"37\" Name=\"Bibliography\"/>\r\n<w:LsdException Locked=\"false\" Priority=\"39\" QFormat=\"true\" Name=\"TOC Heading\"/>\r\n</w:LatentStyles>\r\n</xml><![endif]--><!--[if gte mso 10]>\r\n\r\n<style>\r\n /* Style Definitions */\r\n table.MsoNormalTable\r\n	{mso-style-name:\"Table Normal\";\r\n	mso-tstyle-rowband-size:0;\r\n	mso-tstyle-colband-size:0;\r\n	mso-style-noshow:yes;\r\n	mso-style-priority:99;\r\n	mso-style-qformat:yes;\r\n	mso-style-parent:\"\";\r\n	mso-padding-alt:0in 5.4pt 0in 5.4pt;\r\n	mso-para-margin-top:0in;\r\n	mso-para-margin-right:0in;\r\n	mso-para-margin-bottom:10.0pt;\r\n	mso-para-margin-left:0in;\r\n	line-height:115%;\r\n	mso-pagination:widow-orphan;\r\n	font-size:11.0pt;\r\n	font-family:\"Calibri\",\"sans-serif\";\r\n	mso-ascii-font-family:Calibri;\r\n	mso-ascii-theme-font:minor-latin;\r\n	mso-hansi-font-family:Calibri;\r\n	mso-hansi-theme-font:minor-latin;\r\n	mso-bidi-font-family:\"Times New Roman\";\r\n	mso-bidi-theme-font:minor-bidi;}\r\n</style><![endif]-->\r\n<p class=\"MsoListParagraph\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\">CPA’s</span></strong></span>  The purpose of a CPA is to attest to the reasonableness of disclosures, the freedom from material misstatement, and the adherence to the applicable generally accepted accounting principles in financial statements.  They will have the knowledge to advise you on such important items as tax implications of certain settlements and how best to structure those transaction.</p>\r\n<p class=\"MsoListParagraph\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\">Real Estate Agents</span></strong></span>  This is a person who acts as an intermediary between sellers and buyers of real estate/real property and attempts to find sellers who wish to sell and buyers who wish to buy.  Having a good agent will drastically improve the success of your sale. With the proper marketing, pricing and negotiating they can accomplish a sale in the homeowners best interest.</p>\r\n<p class=\"MsoListParagraph\"><span style=\"text-decoration: underline;\"><span style=\"color: #333399; text-decoration: underline;\"><a href=\"../../join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=1\"><span style=\"color: #333399; text-decoration: underline;\"><strong><span style=\"color: windowtext; text-decoration: underline;\"><span style=\"color: #333399; text-decoration: underline;\">Property </span><span style=\"color: #0000ff; text-decoration: underline;\"><span style=\"color: #333399; text-decoration: underline;\">Management </span></span></span></strong></span></a></span></span>  Property management can be an option for homeowners looking to offset their mortgage payment or legal defense. The responsibility of maintaining and running the property can be overwhelming. For many homeowners, the logical solution is to hire a property management company to oversee their rental property. We strive to ensure that every property owner who needs these services has a competent and honest professional to manage their most valuable asset.</p>\r\n<p class=\"MsoListParagraph\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\">Settlement Facilitators</span></strong></span>  Often creditors require the borrower to prove they have an economic or financial hardship preventing them from being able to pay the deficiency.  Creditors holding liens against real estate can include Primary Mortgages, Junior lien holders—such as second mortgages, Home Equity Lines of Credit HELOC lenders, Home Owners Association HOA (special assessment liens)—all of whom will need to approve individual applications for a short sale, should they be asked to take less than what is owed.  Often creditors use pre-determined criteria for approving the borrowers and the terms of the sale of the properties. Part of this process typically includes the creditor(s) determining the current market value of the real estate by obtaining an independent evaluation of the property from an appraisal, a Broker Price Opinion (BPO).  Depending on each creditor\'s policy and the type of loan, creditors may accept applications from borrowers even if the borrower is not in default with their payments. Due to the overwhelming number of defaulting borrowers due to mortgage failures and other causes as part of the current financial crisis, many creditors have become adept at processing such short sales applications; however, it can still take several months for the process from start to finish, often requiring multiple levels of approval.</p>\r\n<p style=\"margin-left: 0.5in;\"></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td 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17:35:01','2011-09-27 21:35:01','',27,'http://h4hconsulting.com/cms/1163/27-revision-55/',0,'revision','',0),(1162,1,'2011-09-27 17:29:33','2011-09-27 21:29:33','<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<table style=\"height: 148px;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"><a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral.jpg\"><img class=\"alignnone size-medium wp-image-946\" title=\"writtenactionplan2spiral\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/writtenactionplan2spiral-225x300.jpg\" alt=\"\" width=\"108\" height=\"144\" /></a></td>\r\n<td><span style=\"color: #333399;\"><strong><a href=\"http://h4hconsulting.com/join/index.php?main_page=product_info&amp;cPath=1&amp;products_id=13\"><span style=\"color: #333399;\">Consulting</span></a> </strong></span>- Hope for Homeowners Consulting (H4HC) assesses each homeowner\'s situation to determine which route is best them.  We take a look at a homeowner\'s big picture; we figure out what hardships are causing their difficult time and which options are available to help achieve their goal of rectifying their hardship.   Hope for Homeowners Consulting provides a Written Action Plan that acts as a handbook, it lists everything that a homeowner  will need from why the homeowner is in their situation and all available options to overcome it.  At H4HC we do not tell you what to do with your life and family - we give you options that many lenders or attorneys may have overlooked or are unaware of because it is not in their realm of expertise. Using our knowledge and experience we guide the homeowner to the best road to take. In their Written Action Plan we give timed, step by step instructions on how to arrive at the desired destination.</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table style=\"height: 176px;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td style=\"text-align: left;\" valign=\"top\"> <a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_07.jpg\"><img class=\"alignleft size-full wp-image-94\" title=\"services_07\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_07.jpg\" alt=\"\" width=\"106\" height=\"106\" /></a></td>\r\n<td style=\"text-align: left;\"><!--[if gte mso 9]><xml>\r\n <w:WordDocument>\r\n  <w:View>Normal</w:View>\r\n  <w:Zoom>0</w:Zoom>\r\n  <w:TrackMoves/>\r\n  <w:TrackFormatting/>\r\n  <w:PunctuationKerning/>\r\n  <w:ValidateAgainstSchemas/>\r\n  <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid>\r\n  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-0.25in;\"></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.5in;\"></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.25in; text-align: center;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\"><span style=\"font-size: 14pt;\">Manage settlement Process from beginning to end</span></span></strong><strong></strong></span></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.5in;\"></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.5in;\">With the H4H Consulting Homeowner Rescue package we will manage all correspondence, financial paperwork, and communication with your lien holders.The settlement process is most often a very time consuming and aggravating struggle.  We will make sure your case is managed professionally, efficiently, and successfully leveraged to maximize your best financial outcome. We allow our clients peace of mind knowing their case is in good hands and they<span style=\"color: #000000;\"> can</span> go on living their lives while we fight the lenders for settlement<span style=\"color: #1f497d;\">. </span>We have the knowledge, experience, determination and problem solving skills that allow us to get results for our clients<span style=\"color: #1f497d;\">. </span>Our #1 objective for each client is settlement with Full Waiver of Deficiency!!<strong></strong></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.5in;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\">Possible settlement options most commonly consist of some of the following:</span></strong></span></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.5in;\"></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.75in;\"><strong><span style=\"text-decoration: underline;\"><span style=\"color: #333399; text-decoration: underline;\">Short</span> <span style=\"color: #333399; text-decoration: underline;\">Sale</span></span></strong><span style=\"color: blue;\"> <strong> </strong></span>When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. But a short sale may be one of the best options available for you in this market. We will work with you to consider a short sale, as well as manage the communication with the lender and apply any pressure needed to get the best outcome for you.</p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.75in;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\">Deed–in-Lieu of Foreclosure</span></strong></span><strong></strong><span style=\"font-size: 11pt;\"> A deed-in-lieu of foreclosure voluntarily transfers ownership of your home and all real property secured by your mortgage loan (property) to lender to satisfy the total amount due on the first mortgage.  The DIL option will not allow you to keep your property, however, it will prevent you from going through a foreclosure sale and it will release you from all responsibility to repay the mortgage debt.</span></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.75in;\"><span style=\"color: #0000ff;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\">Bankruptcy</span></strong></span><strong></strong></span><span style=\"font-size: 11pt;\"> This option can liquidate debt and/or allow more time.  H4HC will refer you to a qualified bankruptcy attorney in our sphere of influence.</span><strong><span style=\"font-size: 11pt;\">  Chapter 7 </span></strong><span style=\"font-size: 11pt;\">(Liquidation) To completely settle personal debt.</span><strong><span style=\"font-size: 11pt;\">  Chapter 13 </span></strong><span style=\"font-size: 11pt;\">(Wage Earner Plan) Payments are made toward a plan to pay off debts in 3-5 years.</span></p>\r\n<p class=\"MsoNormal\" style=\"margin-left: 0.75in;\"></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"> <a href=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\"><img class=\"alignleft size-full wp-image-96\" title=\"services_12\" src=\"http://h4hconsulting.com/cms/wp-content/uploads/2010/05/services_12.jpg\" alt=\"\" width=\"106\" height=\"105\" 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of Top Real Estate Professio</span>nals</span></span></strong></span></p>\r\n<p class=\"MsoListParagraph\" style=\"margin-left: 0in; text-align: left;\"><span style=\"color: #333399;\"><strong><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\">Attorneys</span><span style=\"text-decoration: underline;\"> (</span><span style=\"text-decoration: underline;\">Foreclosure</span> <span style=\"text-decoration: underline;\">Defens</span><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\">e</span>,</span> <span style=\"text-decoration: underline;\">Bankruptc</span><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\">y</span>,</span> <span style=\"text-decoration: underline;\">Real</span> <span style=\"text-decoration: underline;\">Estate</span><span style=\"text-decoration: underline;\">,</span> <span style=\"text-decoration: underline;\">Et</span><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline;\">c</span>.)</span></span></strong></span>  To ensure a homeowner is properly represented and protected under all aspects of law pertaining to the rights of the homeowner.  A lawyer involves the practical application of abstract legal theories and knowledge to solve specific individualized problems, or to advance the interests of those who retain lawyers to perform legal services.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" valign=\"top\"></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"></td>\r\n<td></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"125\"></td>\r\n<td><!--[if gte mso 9]><xml>\r\n <w:WordDocument>\r\n  <w:View>Normal</w:View>\r\n  <w:Zoom>0</w:Zoom>\r\n  <w:TrackMoves/>\r\n  <w:TrackFormatting/>\r\n  <w:PunctuationKerning/>\r\n  <w:ValidateAgainstSchemas/>\r\n  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Name=\"Light Grid Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"63\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 1 Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"64\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 2 Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"65\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 1 Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"66\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 2 Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"67\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 1 Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"68\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 2 Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"69\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 3 Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"70\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Dark List Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"71\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Shading Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"72\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful List Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"73\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Grid Accent 2\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"60\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light Shading Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"61\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light List Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"62\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light Grid Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"63\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 1 Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"64\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 2 Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"65\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 1 Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"66\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 2 Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"67\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 1 Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"68\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 2 Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"69\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 3 Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"70\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Dark List Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"71\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Shading Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"72\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful List Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"73\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Grid Accent 3\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"60\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light Shading Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"61\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light List Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"62\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light Grid Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"63\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 1 Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"64\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 2 Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"65\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 1 Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"66\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 2 Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"67\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 1 Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"68\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 2 Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"69\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 3 Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"70\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Dark List Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"71\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Shading Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"72\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful List Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"73\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Grid Accent 4\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"60\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light Shading Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"61\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light List Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"62\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light Grid Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"63\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 1 Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"64\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 2 Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"65\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 1 Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"66\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 2 Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"67\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 1 Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"68\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 2 Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"69\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 3 Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"70\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Dark List Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"71\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Shading Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"72\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful List Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"73\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Grid Accent 5\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"60\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light Shading Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"61\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light List Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"62\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Light Grid Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"63\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 1 Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"64\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Shading 2 Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"65\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 1 Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"66\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium List 2 Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"67\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 1 Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"68\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 2 Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"69\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Medium Grid 3 Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"70\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Dark List Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"71\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Shading Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"72\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful List Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"73\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" Name=\"Colorful Grid Accent 6\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"19\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" QFormat=\"true\" Name=\"Subtle Emphasis\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"21\" SemiHidden=\"false\"\r\n   UnhideWhenUsed=\"false\" QFormat=\"true\" Name=\"Intense Emphasis\"/>\r\n  <w:LsdException Locked=\"false\" Priority=\"31\" SemiHidden=\"false\"\r\n   Unhi