<strong>Written Action Plan</strong> - a strategic analysis of your current situation based on an assessment of your financial situation, including debt, assets, liabilities and monthly expenses.  The Written Action Plan considers your goals &amp; objectives and evaluates your options according to your personal circumstances.  Hope for Homeowners provides a recommended plan worksheet as well as a detailed timeline to be executed by yourself or Hope for Homeowners.

<strong>Unlimited Email Support</strong> - our knowledgeable team of experts will be available to answer all of your questions.

<strong>Mortgage Judicial Foreclosure Law Summary</strong> – a personalized step by step timeline of the process involved with foreclosure of your property.

<strong>Do Not Call Letters</strong> – customizable letters in accordance with the Fair Debt Collection Practices Act to stop harassing collection calls.

<strong>Monthly Newsletter</strong> – receive our monthly email with brief, useful updates that provide "what you can do" information about the distressed housing industry.

<strong>Attorney Network &amp; Discounts</strong> – get legal information and great discounts on one-on-one phone consultations with attorneys in our network.

<strong>Qualified Written Request</strong> – similar to the Discovery Quest done by an attorney, the Qualified Written Request builds the foundation for your case. 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 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.

<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.

<strong>Loan Modification Kit - </strong>Be prepared before you go into negotiations. Understand what choices you have &amp; learn the Best Practices &amp; Tips from an expert on working through a loan modification. Let us help you be more confident by using the all-inclusive package including: Form 4506T, Alternatives to Foreclosure, Do Not Contact info, customizable hardship letter &amp; guidelines, the loan modification checklist, important phone numbers and the Qualified Written Request.

<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.

<strong>SCCU 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. Our SCCU Unit will automatically take over collection calls and discretely advise the caller you have retained a representative to address the reason for their call and give them a Call Center number to call. The creditor will be informed an attorney is now managing your debt resolution program and how to get in touch with them. 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. <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>

<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.

<strong>Personal Consultation – </strong>let the experts at Hope for Homeowners Consulting provide you with personal consulting to accomplish the best solution for your individual situation. With a comparative market analysis and assessment of your current financial condition, H4H Consulting will complete a detailed Written Action Plan, develop short and long term strategies for you, and expedite the exit strategy that is best for you.  <strong></strong>