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Federal Trade Commission (FTC) Chairman Jon Leibowitz was recently joined by California Attorney General Jerry Brown to announce the initiation of “Operation Loan Lies”, a coordinated national law enforcement effort to crack down on mortgage loan modification scams.

The operation has already filed 189 actions by 25 federal and state agencies against fraudulent loan shops that used deceptive marketing to push their shabby or non-existent foreclosure rescue and mortgage modification services. The actions involve homeowners across the country but were announced in Southern California, where the fraudulent companies were based. “These con artists see the high foreclosure rates as an opportunity to prey on people in distress,” FTC Chairman Jon Leibowitz said. “They promise to rescue homeowners in troubled financial waters, but after they take their money they throw them an anchor instead of a lifeline.”

In conjunction with the announcement the FTC gave details on four additional lawsuits which brings the total of mortgage foreclosure rescue and loan modification scam cases the Commission has brought since April to fourteen. In the four new lawsuits, defendants are charged with:

• Making false claims that they would obtain a home loan modification
• Making claims that, in conjunction with the loan modification, they would stop foreclosure proceedings
• Failing to honor promises of refunds to homeowners if the proposed action was not successful

The defendants are charged with doing little or nothing to advance the loan modification process for their clients after receiving fees approximately equal to one month’s mortgage payment.

The specific charges against defendants are as follows:

• U.S. Foreclosure Relief made false claims of fast turnarounds for approvals and years of experience with fictitious success rates for their loan modifications. Homeowners received neither. They are also charged with violating the FTC’s Do Not Call Rule due to their repeated contacts with homeowners on the National Do Not Call Registry. Pending a court date, assets of U.S. Foreclosure Relief were frozen.
• Lucas Law Center made false representations about their capability to obtain loan modifications. They also told homeowners to divert their mortgage payments toward paying Lucas’ fees, a violation of the law. The company did provide refunds to some of their clients but only after repeated complaints and requests for help from the Better Business Bureau, the California Attorney General, the State Bar of California, and/or local authorities. The court froze Lucas Law Center’s assets ahead of a court hearing
• Loss Mitigation Services assured homeowners that their loan modifications were virtually assured because they were a department of, or affiliated with, the consumer’s lender or mortgage servicer, a complete fabrication. Some homeowners lost their homes while waiting for modifications which would never happens.

1. ·         Apply2Save made claims that they could get loan modifications done in thirty to ninety days when, in fact, they never made contact with the homeowners’ lenders. To stall for time, Apply2Save told their customers that paperwork was lost, often more than once.

Operation Loan Lies follows an April 6, 2009, announcement by FTC Chairman Leibowitz, Attorney General Eric Holder, Treasury Secretary Timothy Geithner, Housing and Urban Development Secretary Shaun Donovan, and Illinois Attorney General Lisa Madigan that there would be a crack-down on companies that were set up to defraud homeowners seeking home loan modifications.

The four companies provide valuable lessons in how homeowners can protect themselves from hiring a deceptive company that will not deliver on promises. In the case of U.S. Foreclosure Relief, one warning sign would any talk or intimation of affiliation with the U.S. government. U.S. Foreclosure Relief and Apply2Save both pitched themselves as being able to get approvals for home loan modifications faster than any of their competitors. Homeowners should be aware that the process of modification is two sided and that lenders are currently flooded with applications. Any promises of fast turnarounds should be met with great skepticism. Lucas Law Center advised customers to pay them instead of their lender, an obvious warning about their regard for legal and ethical standards. Finally, Loss Mitigation Services’ claims of affiliation with lenders and guarantees of loan modification approvals because of it were definite red flags. Finding the truth would have been as easy as making a direct call to the lender to verify the claims.

Avoiding the problems encountered by homeowners that were scammed by these firms is as simple as asking the right questions, doing some leg work, and realizing that if it sounds too good to be true, it probably is. Insist on working with a firm that has already done hundreds of loan modifications and can prove it. Visit the office and ask questions until you’re comfortable. A loan modification is a huge and important undertaking. Ensuring its chances of success by doing your homework will keep you out of trouble and give you a much better chance at staying in your home.

About the Author:

Loan Modification Help Center is a free gathering place for resources and information on the rapidly evolving field of loan modification. To learn more about mortgage loan modification and view loan modification companies reviews visit loanmodificationhelpcenter.org

Article Source: ArticlesBase.com - Operation Loan Lies Nabs Four - Loan Modification Help Center

Watch Video from YourTeacher.com - Geometry Homework Help

A free home school worksheet is a free home school worksheet is a free home school worksheet - right? Wrong! Firstly, preparing a free home school worksheet is an opportunity to rise to the challenge of improving on all those ones you complained about at school! What was it you said about this one? Boring. And that one? Difficult to understand. And that? Pointless. And that?  Bitty and piecy. And that? Badly printed so that it was almost illegible and certainly unpleasant to read. Aha!

Now YOU are the teacher. Now you need to design a free home school worksheet that YOU, if you were the learner who had to fill it in, would find interesting, clear, meaningful, well-designed and aesthetically presented.

Secondly, a free home school worksheet has a purpose, which is to see whether what you have taught your learners has sunk in and if your free home school resources are designed well, each learner's interpretation of what you taught them and its significance. It is not as daunting as it seems.

Free Home School Worksheet Preparation

If your lesson is well prepared, the most important aspects of the free home school worksheet should almost present themselves to you. What are the most important facts, impressions, feelings, conclusions, and even questions, do you want to evoke in your learners? List the questions that would supply the answers you are looking for. If you want a yes or no answer, ask for intelligent reasons for their answer.

Add questions that will give the learners an opportunity to expand on their own thoughts. Think of what you got excited about with regard to the lesson. Then, think of individual learners in the home school group and design a question that would excite each one - or, at least, as many as you can.

Now assign marks to each question relative to their importance. Decide whether you are going to indicate what those marks are, on the free home school worksheet and know why you made that decision. Finally, decide on the appearance. Include essential pictures and a few more that are relevant and attractive.

Decide where they are to go and how you want to format the free home school worksheet and what colors to use. Make sure that you have enough ink in your printer's cartridge to print the copies with maximum density.  Print a test copy and edit until you are excited about it. If you don't have a color printer take your free home school worksheet on your memory stick to a printing shop that does have one. Print a few extra copies. And now, you have an Uncle Bob!

About the Author:

If you love this article, you will also love another article written by this article's author on white computer desk and Sauder computer desks.

Article Source: ArticlesBase.com - Free Home School Worksheet - It's Not As Tight As You Think

Home School Tutoring Tips : Teaching Kids to Write the Alphabet

What is the best time of day for an ADHD child to do homework?

He's 7 and it seems like his meds(Straterra)arent working well after school(he's very hyper and unfocused til bedtime) And mornings are rough because he's not awake enough.

i agree with sherasi about right after dinner...i've had foster children with ADHD and for the majority, that was the best time.
you can also talk to your child's school about your situation. is he on an IEP? if not, get him on one, and if so, he is eligible for extra help from the school. if it is difficult for him to get homework done, they can work with him at school, set some time aside with a tutor for him to get some of it done while at school.
i'm also concerned that maybe his medication isn't working properly...have you talked with his doctor about the straterra? i was under the impression that it is a time-released med that works for 24 hours...maybe his dosage needs adjusted... good luck--i understand your frustrations completely.

Homework Help: Children and Homework- Mom Matters # 30

what are some other online home schools that Texas Education Agency accept?

I know that Texas Education Agency takes Texas Tech and ut home schools but you cant take ap courses. So what other online schools does Texas Education Agency accept and can you take ap classes.

Contact the TEA and see if they will give you a list. If not do research on line and find accredited schools that give the classes that you desire and then ask if they will be accepted./

Watch Video from YourTeacher.com - Saxon Math Algebra 1

Are there online programs to Homeschool high school students?

If it moves, high school students in the United States to Taiwan, he / she will be able to take online courses Homeschool? Thanks in advance.

Ders 2 Yes, I know apexlearning call and another key element of research call both on the web

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Text Specific Videos for Kaseberg's Introductory Algebra: A Just-in-time Approach 3/e [6 VHS Videos/8.75 Hrs.] $125.00 Kaseberg presents an effective, nontraditional approach to the traditional algebra curriculum. The first and second editions gained a strong following among instructors who found that Kaseberg's use of guided discovery and problem solving facilitates the learning of new concepts and strengthens skill retention. Kaseberg's informal, interactive style makes algebra more accessible to students while ...

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High School @ Home $13.03 High School @ Home helps busy homeschool parents set the direction, master the details, and design the programs that will guide their children to graduation. Many homeschool parents may find themselves overwhelmed at the prospect of teaching their teenagers, but this book and CD-ROM will enable parents to put those fears to rest. Readers will learn how to: Design a program based on your student's future goals; understand college entrance requirements; establish guidelines for your high school course of study; credit and grade different courses; calculate a grade point average; compile a transcript; create courses which meet the unique needs of your student; and keep simple but thorough records. The CD-ROM offers helpful educational activities and forms.

If you're new to the idea of homeschooling, you probably have questions. Are you overwhelmed by the options you have to do? How do you prepare for the school year? Do you have to buy a specific program or need? Before you afford to be too much stress, the following guidelines can help make the process easier.

1. Laws on homeschooling in your state. Each state has its own laws regarding the education of their child. Sure that you understand and obey the laws of your state.

2. Write your objectives for the education of his son. This will help you decide which plan best suits Study these objectives. It will also give a guide to see if they are on track throughout the year.

3. Develop a philosophy of education, determination of what I think is important. Are you worried about academics, or do you consider the character development so important? Want Your child will learn tested, or may learn to think for themselves?

4. Decide what type of personality to your family - you can usually fix any moment, or is more spontaneous. Knowing this, a piece of information can make a big difference in choosing the style or method of homeschooling you choose.

5. Knowing your learning style your child? Are they a hearing, sight, or make the student? Knowing your learning style will help you determine which documents are need to meet to improve their ability to learn.

If your children are very young, do not have to buy the latest curriculum. Spend time with them, helping them learn to write the alphabet, learn simple math, and prepare them for learning to read. Small books available in most discount stores. Eat candy or beans for teaching math concepts. Teach your letters correctly use shaving cream or rice in a baking pan. As you see, you do not need spend money to teach bases.

After teaching the basics, make sure your child has an opportunity for fun. Participate in a support group with other homeschoolers. Plan a few day games or field trips, let the kids run and work with some of their accumulated energy. Having a support group to help mothers, especially if you have questions or need advice.

Subscribe to Homeschooling some magazines or newsletters. This also helps if you have any questions, because you will be able to see how other Homeschool and learn how to deal with different aspects of everyday life, while homeschooling. Will help you know you're not alone.

Plan back to you in school Keep reading and learning as we teach his son. There are always new things to learn, plan how to become an apprentice of life. As your child grows, you may need to try a different approach. By reading and learning along the way, you will be better able to make the necessary changes.

Choosing to Homeschool is not always an easy decision. However, when you go that you can do it and follow these tips, you quickly realize you've made the right decision. Homeschooling is an opportunity only for you your family and your children learn and grow together.

About the Author:

Jane Saeman runs an In-Home Tutoring service called Aim High Tutors. Find out about how to help your student reach their full potential at http://www.aimhightutors.com/blog

Article Source: ArticlesBase.com - Homeschooling Basics

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(CHICAGO - September 6, 2005) Argosy University today announced that it would help students at the University of New Orleans, southern Louisiana, Mississippi and Alabama, universities, which were closed for the foreseeable future, due to the devastation caused by Hurricane Katrina.

Argosy University will make available on campus and online courses that might be able to allow displaced students advance their academic careers during this semester of disruption. Students a university forced to close by Hurricane Katrina may register at one of 13 Argosy University campuses across the country for courses on a space according to availability, for the fall semester.

Argosy University waives tuition for displaced students who have already registered and paid tuition at their institution home for the fall semester 2005. If displaced students have not paid their tuition at their home institution, which are valued at lower costs of the current published tuition and fees at the home institution or school issued Argosy University and fees, as determined by the President of Argosy University Campus.

"Today Argosy University responded by offering educational assistance to students affected by Hurricane Katrina," said Dr. Gregory O'Brien, president of Argosy University. "Argosy University is committed to the welfare of these students, and this initiative is our way of reaching with compassion and kindness to those affected. We are committed to doing everything possible to help college students from the region of the Gulf Coast to pursue studies and continue its life. "

According to the American Council on Education, more than 30 colleges and universities in the region of the Gulf Coast were severely damaged by the hurricane and, eventually, 100,000 students were displaced from their schools.

Argosy University offers masters theses and undergraduate programs in psychology, counseling, education, business, information technology, and leadership of the organization. Doctoral programs in clinical psychology (accredited by the American Psychological Association) are available on many campuses of Argosy University. Argosy University will assist dislocated Ph.D. and Psy.D. students individually, the academic programs. Select Associate of Science in various fields of health are available at Argosy University Twin Cities /, located in Eagan, MN.

Argosy University has campuses in Atlanta, Chicago, Dallas, Honolulu, Orange County (Santa Ana, California), Phoenix, San Francisco Bay Area (Port Richmond, California), Sarasota, Schaumburg (Illinois), Seattle, Tampa, Twin Cities (Eagan, MN), and Washington DC (Arlington, VA).

Students seeking information on the initiative of the University of Argosy University visit (www.argosyu.edu) or call admission National Information at 1-800-377-0617.

With 13 universities across the nation, Argosy University (www.argosyu.edu) offers degrees first, second and third cycle in the disciplines of business, education, health sciences and psychology and behavioral sciences. Argosy is accredited the University The Higher Learning Commission and a member of the North Central Association (NCA) (30 North LaSalle Street, Suite 2400, Chicago, IL 60602, 1.312.263.0456, target = "_blank"> www.ncahlc.org). The parent company of Argosy University Education Management Corporation (www.edmc.com) is one of the largest providers of Private Post-Secondary in North America, based on student enrollment and revenue. 66,000 students have passed since the fall of 2004. EDMC has 71 primary campus locations in 24 states and two Canadian provinces. EDMC's education institutions offer a wide range of academic programs concentrated media arts, design, fashion, culinary arts, behavioral sciences, health sciences, education, information technology, studies of the areas legal and business, culminating in the award of associate's through doctoral degrees. EMCDDA, teaching in the race for over 40 years. # # #

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Article Source: ArticlesBase.com - ARGOSY UNIVERSITY OFFERS EDUCATIONAL ASSISTANCE

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Nothing can extinguish quickly children learning math, if the lesson is being taught badly. Get answers to math for many children can be difficult. If your child experiences, not a solution to try to help them learn the trade very important for life, a math CD for home use. You need to look for CDs that meet certain criteria for your child to get the right answer every time. In other words, you can buy that will connect, try not to irritate to find the right answer in math.

Most children can use a little help in math, and you can find a CD that will focus their minds, and they want to find the answer in math. Your job is not to find a CD that teaches math, but is accepted by educators of truth. Talk to your child's teacher if necessary, or even ask many mathematics educators advice and opinions. Good programs are own pace and are participating in the mind, if your child will want to find an answer in math. Also, look for one that has clearly defined categories and age appropriate.

The statement that uses games to help in mathematics is one of the best teaching tools. However, remember that if games help them understand a world in real life, and its general application. Puzzles, arrays and reading problems are the best type of computer training sessions that can be obtained by using the computer. You can check if a mathematical answer to each question is provided. If you do not know if right, unless you know.

Nice to read and learn from the computer, but make sure you can print worksheets to help them work to find an answer in math. Putting pen to paper and prints reinforces different stages of visualization and physical activity. Take time to do their work with them and give them the support of men, one by one in the knowledge the process to find an answer in math. In addition, your child needs a little praise, try something new, or difficult to find a mathematical answer.

You will need to ensure that their efforts are rewarded when they won the right question. A print of the award that you can hang on the wall, gives much encouragement. CD instructions should provide a way for their children are working slowly to more difficult levels, and yet not too discouraged with the times. Find the answer gradually math best practices. Who knows, your child with your help could be the next mathematical genius.

About the Author:

Luke T. Axton provides readers with up-to-date commentaries, articles, and reviews for
education
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as well as other related information.

Article Source: ArticlesBase.com - The Handy Math Answer-to-exercise Guide.

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