Could anyone share experience of using consumerlegalcenters.com (Kathleen Fuchs Attorney) for ? Thanks. They say they can help me get a loan with bad credit

BTW, can California attorney (as above) represent me with debts in New York state?

thru such an organation is frowned on by lenders and has a negative effect to your credit rating. Bankruptcy is bad. Question, do you own a home? If you do have you considered getting a home equity loan? This would take care of you situation and hurt your credit. When you payoff bad debts your credit score will improve. Call me maybe I can help you. I'm a loan officer at a mortgage co. Harry at 1-(810)239-8553 ext#216 or e-mail at hgre@yahoo.com What ever your decision is good luck!

messa<-

- Could anyone share experience of using consumerlegalcenters.com - (Kathleen Fuchs Attorney) for ? Thanks.

- BTW, can California attorney (as above) represent me with debts in New - York state?

I disagree as an attorney with this advise. What happens if she cant pay her mortgage and debts after your refinancing?? She loses her home! What happens when you refinance her while her credit is poor??? She goes from owning on a Class A home mortgage rate at 7% to owing on home at 11% and as high as 26% mortgage rates for B and C mortgages. As a result she loses her home to a predatory lender who makes thousands off her by promising her a "solution to bankruptcy" while he steals her home with hidden packing of the loan,  prepayment penalties, flipping of her home mortgage, high closing costs or other fees that are hidden in the loan and other items I wont waste my time going into. Please I am not calling this mortgage broker anything he may be honestly trying to offer help but a lot of predatory lenders also offer "help" to debtors and end up stealing the Debtor's home.  Generally a debtor that is considering bankruptcy needs to talk to an attorney to see if they would lose their house in a bankrutpcy and seek proper financial advice not from a mortgage broker but from an attorney or CPA.  The average Class A lender mortgage broker will make 1,000 dollars from refinancing your home.  The Class B and C lenders will make as much as 15,000 to 20,000 from refinancing an 80,000 dollar home.  More expensive homes may have higher costs.   Refinancing a home just isnt a bargain or a proper solution to a problem. Either make more money, live on a smaller budget or file bankruptcy. If you want to know more about bankruptcy I have a free manual on it at WWW.Bankruptcy-Divorce.com

"Harry Gregory" <hgre@yahoo.com- wrote in news

- thru such an organation is frowned on by lenders - and has a negative effect to your credit rating. Bankruptcy is bad. - Question, do you own a home? If you do have you considered getting a - home equity loan? This would take care of you situation and hurt your - credit. When you payoff bad debts your credit score will improve. - Call me maybe I can help you. I'm a loan officer at a mortgage co. - Harry at 1-(810)239-8553 ext#216 or e-mail at hgre@yahoo.com - What ever your decision is good luck!

- messa<- - - Could anyone share experience of using consumerlegalcenters.com - - (Kathleen Fuchs Attorney) for ? Thanks.

- - BTW, can California attorney (as above) represent me with debts in New - - York state?

"N.T." <ntsha@bellsouth.net- wrote in news <- - I disagree as an attorney with this advise. - What happens if she cant pay her mortgage and debts after your refinancing?? - She loses her home! - What happens when you refinance her while her credit is poor??? - She goes from owning on a Class A home mortgage rate at 7% to - owing on home at 11% and as high as 26% mortgage rates for B and C - mortgages. - As a result she loses her home to a predatory lender who makes thousands off - her by promising her a "solution to bankruptcy" while he steals her home - with - hidden packing of the loan,  prepayment penalties, flipping of her home - mortgage, - high closing costs or other fees that are hidden in the loan and other items - I wont waste - my time going into. - Please I am not calling this mortgage broker anything he may be honestly - trying to - offer help but a lot of predatory lenders also offer "help" to debtors and - end up - stealing the Debtor's home.  Generally a debtor that is considering - bankruptcy needs - to talk to an attorney to see if they would lose their house in a bankrutpcy - and - seek proper financial advice not from a mortgage broker but from an attorney - or - CPA.  The average Class A lender mortgage broker will make 1,000 dollars - from - refinancing your home.  The Class B and C lenders will make as much as - 15,000 to - 20,000 from refinancing an 80,000 dollar home.  More expensive homes may - have - higher costs.   Refinancing a home just isnt a bargain or a proper solution - to a - problem. Either make more money, live on a smaller budget or file - bankruptcy. - If you want to know more about bankruptcy I have a free manual on it at - WWW.Bankruptcy-Divorce.com

- "Harry Gregory" <hgre@yahoo.com- wrote in news - - - thru such an organation is frowned on by lenders - - and has a negative effect to your credit rating. Bankruptcy is bad. - - Question, do you own a home? If you do have you considered getting a - - home equity loan? This would take care of you situation and hurt your - - credit. When you payoff bad debts your credit score will improve. - - Call me maybe I can help you. I'm a loan officer at a mortgage co. - - Harry at 1-(810)239-8553 ext#216 or e-mail at hgre@yahoo.com - - What ever your decision is good luck! You think bankruptcy is bad??? How about this true story . We had and still have a mortgage with a 7% interest rate. No early payoff penalty fees. Descent. 2 years ago we decided to refinance our home to lower the rate more if we could. (Our credit was good then) So we file all these papers and were told we could refinance with like thousands to spare for improvements or pay bills. Sweet deal. Got into that snakes office and found they decided our interest rate would be 15%. How sneaky. Then she preceded to tell us our current mortgage company charges all these early payoff fees, etc ..so I called them from her office and put them on speakerphone. She looked so damn stupid. Her efforts to reel us in thinking we were that desperate was sickening. Pathetic. Each day in our email we are spammed with about 15+ refinancing deals. Now that we have filed bankruptcy we are still with our mortgage company. Please don't let ANYONE help you this way. READ ALL THE FINE PRINT. If you decide to do this have an attorney look over ALL documents and explain them to you. Some of these mortgage companies make a killing off of refinancing your home. BE CAREFUL.

- - messa<- - - - Could anyone share experience of using consumerlegalcenters.com - - - (Kathleen Fuchs Attorney) for ? Thanks.

- - - BTW, can California attorney (as above) represent me with debts in New - - - York state?