Fort Collins CO – Many of the short sale sellers we help are selling their home to avoid foreclosure. In addition, they are receiving lots of harassing calls from debt collectors.
These debt collectors seem to think that if you call someone with no extra money, then you can still get them to pay. Here is a little tip on how to stop their phone calls.
Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.
A friend of mine looks for missing people. The database he uses is also a prominent debt collection database. He told me something interesting.
Apparently people are suing debt collectors for breaking Debt Collection Laws all the time. These lawsuits are expensive for them to defend against and easy for the consumer to file.
(I can’t agree more. In my opinion, the debt collectors knowingly break the rules all the time.)
To help debt collectors avoid future lawsuits they now have a field in their search that flags people that have filed lawsuits. They know that if they harass these people, then they are much more likely to get a lawsuit from them.
As you can see, they are scared! In my last blog post I detailed what were, in my opinion, the different violations of the law. You can read more info on the law at this link and see for yourself if a debt collector is violating it.
If you feel they have violated the law, then find a good lawyer to file suit on your behalf. There are many good lawyers who specialize in helping consumers when a debt collector violates the act.
Just Google “Fair Debt Collections Lawyer.” Many can help you at no cost out of your pocket. They will take your case on a contingency basis and get paid from the money they collect from the debt collector.
Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 970-690-4920
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.
Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.
Thanks for reading this, Rob Kittle.
Rob is a Real Estate Agent at Keller Williams Realty. Fort Collins Short Sales Realtor:
Phone: 970-690-4920.
Email Me
We Specialize, You Benefit
Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor Short Sale Realtor. Fort Collins CO Short Sales. Fort Collins Realtor.
Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Rob Kittle's personal views and do not reflect the views of Keller Williams Realty.
This information on Fort Collins Short Sales: An Advanced Strategy To Stop Harassing Debt Collector Calls is provided as a courtesy to our viewers to help them make informed decisions.
Showing posts with label the kittle team. Show all posts
Showing posts with label the kittle team. Show all posts
Tuesday, December 21, 2010
Friday, December 10, 2010
Fort Collins Short Sales: Bankers, can we have more open and transparent loan modifications?
Fort Collins CO Loan modifications have become a joke. People get turned down for no reason at all.
People really want to keep their home, but just can't figure out what to do. The loan modification negotiators realize how desperate the homeowners are. They use their power over the person to take an ego trip.
"I'm going to make this person beg me personally for their loan modification", they think to themselves. Everything becomes a competition between negotiators on who can squeeze more out of people.
They talk to their fellow negotiators about what they are able to force people to do. "I saw that one lady had $100 a month for entertainment on her financial statement. I told her she didn't deserve money for entertainment when she owed money to us", they say to them.
Meanwhile, the other negotiator tells their story. "One couple had $200 a month on their financial statement to give to their church. As soon as I saw that, I increased the payment I asked by $200", they say.
Yes, power does corrupt. These loan modification negotiators hold they keys to the homeowners future staying in their home.
Here is what needs to be added to the Homeowner's Bill of Rights.
1. Whenever a homeowner is turned down for a loan modification, the lender shall give them a written, coherent response along with the reason they were turned down. It needs to specifically detail why they were denied and what they can do to be approved.
2. Homeowners are given all the guidelines at the beginning of the loan modification process. They should receive the same guidelines the loan modification negotiator receives. That way they can make sure that they aren't lying to them.
Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail. If you prefer, then you can call me at 970-690-4920.
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.
Thinking about a loan modification? Our Fort Collins Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy.
Thanks for reading this, Rob Kittle.
Rob is a Real Estate The Kittle Team at Keller Williams Realty.
Phone: 970-690-4920. RobKittle@kw.com.
We Specialize, You Benefit
View My homes for sale at www.RobKittle.com.
Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor Short Sale Realtor. Fort Collins CO Short Sales. Fort Collins Realtor.
Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Rob Kittle's personal views and do not reflect the views of Keller Williams Realty. This information on Fort Collins Short Sales: Bankers, can we have more open and transparent loan modifications is provided as a courtesy to our viewers to help them make informed decisions.
Wednesday, December 8, 2010
Fort Collins Short Sales: Attn: Bankers. Stop harassing Americans for money they don't have
Fort Collins CO - Maybe this is a pet peeve of mine. Or maybe it just seems ridiculous that someone would call a debtor over and over again asking to be paid, when they have already been told the debtor doesn't have the money to pay them.
Or maybe it is the fact that I see countless examples of debt collectors breaking the Fair Debt Collection Practices Act. But, no one seems to care that they are breaking the law.
The Fair Debt Collection Practices Act forbids collectors from threatening to sue you, but then not following thru and actually filing suit. To get around this rule, they will use language that sounds legal, but isn't.
In one situation, a debt collection firm in Buffalo, New York named their firm Hoffman, Weinberg & O'Brien to make it sound like they were a law firm. They would then leave messages on people's answering machines.
They would say they were with the office of Hoffman, Weinberg & O'Brien and then say they may resort to future legal action. Or they would say they were calling about a pre-legal matter.
In addition, they would reference case number 8306042. If you didn't know any better, you would think the case number was for an actual lawsuit against you. Scary, right?
In addition, if a debtor tells them not to call anymore, then they are supposed to stop calling. They just keep on calling anyways. This is another example of them not obeying the law per the Fair Debt Collection Practices Act?
I allege that they willingly and knowingly break the law repeatedly. This is why we put Number Seven onto the Homeowner's Bill of Rights:
7. Stop the Debt Collector Harassment! The right to tell any and all debt collectors to stop calling and never receive a phone call from then again. In addition, this would include debt collectors that know the person's phone number, but will call family members in an attempt to embarrass the debtor.
This is America people! Debtor's prison was abolished two centuries ago! It's time to update your activities to the Twenty-First Century!
Or take another example. A homeowner has never made a late payment in their entire life. They lose their job and find one in another state. The move, try to rent out their house, but can't afford the payments.
They get behind on their mortgage payment and credit cards. They enter the world of non-stop harassment. Debt collectors call them non-stop. These people aren't deadbeats. They are just struggling at the moment.
They won't stop calling even when the debtor asks them to stop. They would pay if they had the money. But they don't have it.
But, the people won't stop calling. The constant phone calls make their home life miserable. Don't you think it has gone too far?
I do. That's why we need a Homeowner's Bill Of Rights. Stop the debt collector harassment. What do you think? Please put your comments below.
Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail. If you prefer, then you can call me at 970-690-4920.
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.
Thinking about a loan modification? Our Fort Collins Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy.
Thanks for reading this, Rob Kittle.
Rob is a Real Estate The Kittle Team at Keller Williams Realty.
Phone: 970-690-4920. RobKittle@kw.com.
We Specialize, You Benefit
View My homes for sale at www.RobKittle.com.
Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor Short Sale Realtor. Fort Collins CO Short Sales. Fort Collins Realtor.
Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Rob Kittle's personal views and do not reflect the views of Keller Williams Realty. This information on Fort Collins Short Sales: Attn: Bankers. Stop harassing Americans for money they don't have is provided as a courtesy to our viewers to help them make informed decisions.
Tuesday, November 9, 2010
First Friday Gallery Walk
First Friday Gallery Walk
The first Friday of every month, Fort Collins holds a Gallery Walk featuring local fine art and artists, innovators, musicians and performers. This event is made possible by the Art Lab Fort Collins, and every month features different artists and their wonderful creations.
October 30 to November 5:The Legacy Land Trust Art for Conservation Show and Sale opens October 30th at 5 pm, at the Poudre River Arts Center. Legacy Land Trust and major sponsor Western Trust Bank are bringing together the work of over 50 important local and regional artists in a variety of media, including oils, pastels, watercolors, prints and more. Unique, fresh and beautiful pieces are showcased each year and the artists share the proceeds of their work with Legacy Land Trust to help protect the Wildlife Habitat, farm lands and scenic and natural areas in Larimer, Jackson and Weld Counties.
November 5, 2010: The Trimble Court Artisans proudly bring you WEAVINGS by Chris Switzer. Perfect for the winter weather, fiber artist Chris Switzer creates hand-woven scarves using alpaca yarn in an array of colors, including metallic, and the supple textures of mohair and silk. Chris is from nearby Estes Park, and he also wrote a book about weaving entitled “Chris Switzer's Third Edition (2005) of the fine book on spinning and weaving Llama, Alpaca, and Paco-Vicuña fiber.”
November 11 – 27, 2010:Stephen J. Allen Photography Exhibit: Memories of My Ancestors. Studio artist Stephen J. Allen will be sharing his most memorable photographs of Scotland from his trip in 2009. Other than the typical images of Scotland of castles and men in kilts, Allen found the textures of the standing stones, fishing boats and other scenes most fascinating.
So come and support our artists and the cause at this First Friday Gallery Walk! See you there!
Looking for Distressed Properties? Search all the FORECLOSURES and SHORT SALES in NORTHERN COLORADO.
"We Specialize.. You Benefit!"
- The Kittle Team
Friday, October 1, 2010
The Lauren Project Silent Auction and Light Supper Event in Windsor Colorado
The Lauren Project Silent Auction and Light Supper Event
You’re invited to The Lauren Project’s Silent Auction and Light Supper Event, featuring entertainment from local professional jazz musicians and chefs Cathy Broida and Andrew Maxwell’s delectable chilli supper. Donations for the meal will be requested.
Silent auction items include: a Colorado Eagles hockey jersey and tickets, golf at Pelican Lakes, a quilt made especially for the event, a week in Breckenridge for two over the Fourth of July in 2011, professional photography instruction, hand-painted silk scarf, pottery, framed photography, various gift certificates at merchants in Windsor, and much more! And to make things even better, an anonymous donor has offered to match the first $5,000 raised at this event.
This is the very first event held by The Lauren Project. This project was created in memory of 2004 Windsor High School graduate Lauren Johnson, who died tragically from carbon monoxide poisoning on Jan 5, 2009. Lauren was pursuing a master's degree at the Joseph Korbel School of International Studies in Denver, and was dedicated to international human rights.
The Lauren Project, a 501(c)3 organization, aims to provide grants for young people ages 19-35 to do international volunteer mission work, and also supports projects and educational events on the subject of carbon monoxide safety.
The event will be held on October 2nd, from 5:30-8 p.m., at the Pelican Lakes Clubhouse, 1600 Pelican Lakes Point in Windsor. For more details go to www.laurensproject.org.
“This I believe: That every man, woman, and child has the right to opportunity: the opportunity for freedom, the opportunity for education, the opportunity for health care, and the opportunity to enjoy their lives peacefully.”
-Lauren Moilien Johnson
August 27, 2008
August 27, 2008
Wednesday, September 29, 2010
FORECLOSURE: 912 Conifer Ct, Windsor
FORECLOSURE: 912 Conifer Ct, Windsor
Windsor Colorado Foreclosure! You will love this open floor plan that features a huge kitchen with an island & walk-in pantry, separate dining area, contemporary colors, recessed lighting, a full unfinished basement for future expansion, plus a large fenced backyard, separate dog run, patio, cathedral ceilings, 2 car garage, private master bath, & MORE in this bank owned foreclosure in Windsor Colorado.
Year Built 1995
Sq Footage 2129
Bedrooms 2
Bathroom 3
Parking 2-Car Attached
Windsor Colorado Foreclosure! You will love this open floor plan that features a huge kitchen with an island & walk-in pantry, separate dining area, contemporary colors, recessed lighting, a full unfinished basement for future expansion, plus a large fenced backyard, separate dog run, patio, cathedral ceilings, 2 car garage, private master bath, & MORE in this bank owned foreclosure in Windsor Colorado.
Year Built 1995
Sq Footage 2129
Bedrooms 2
Bathroom 3
Parking 2-Car Attached
Looking for Distressed Properties? Search all the FORECLOSURES and SHORT SALES in NORTHERN COLORADO.
"We Specialize.. You Benefit!"
- The Kittle Team
Monday, September 13, 2010
Longs Peak Scottish/Irish Highland Festival
Scottish/Irish Highland Festival
September 9 - 12, 2010
Unfortunately it’s already happened this year, just this past weekend. So for those of you who missed out on this great event, here’s what you can look forward to at next year’s festival: • One of the weekend highlights is the hour-long parade on Elkhorn Avenue, Estes Park’s main street. Bagpipes, drummers, dancers, clans in tartan, Dogs of the British Isles, brass military bands and precision drill teams give a preview of what can be seen on the festival field.
• The Long’s Peak Feis is one of many competitions held at the festival and is usually a favorite. A Feis is an Irish Step Dance Competition.
• Haggis tasting & Celtic rock band performances round out the festivities. The familiar and timeless sounds of bagpipes fill the air throughout the weekend.
These were just some of the highlights throughout the festival, and nothing beats being there to experience all of the sights and sounds. But hey, there’s always next year, and I just gotta say one thing…. They may take our lives, but they’ll never take...our FREEDOM!!!!!
Looking for Homes in Northern Colorado? Search everything the web has to offer, right HERE! Don't miss Our Featured Homes.
"We Specilaize.. You Benefit!"
- The Kittle Team
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