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You have been paying your mortgage loan to your loan servicer for a long time (ex. to Chase, Bank of America, Wells Fargo, etc.). You may even have your loan set up for automatic bill pay. Then, out of nowhere your loan servicer or lender transfers your loan seriving rights to another entity (ex. to Nationstar or Select Portfolio Servicing etc.). You then get a written notice that your loan servicing rights have been transferred. There are specific timing requirements and notice requirements involved that the new loan servicer (i.e. the transferee who received rights from the trasnferror) must comply with.
One of the main things is that during the transition period there is a 60 day grace period wherein the new loan servicer cannot report you as late or report negative credit to the credit burueas. This is a problem we have been seeing lately where the loan servicers still do not have a clue what they are doing, and your rights under RESPA Section 6 and the Fair Credit Reporting Act ("FCRA") are being violated. The time to take action is immediately upon learning of the negative credit.
If your loan servicing rights have been transferred, you need to find out the effective date of the transfer and make sure you start looking at your credit report to see what's going on, and see if the loan servicer is violating your rights.
You may need to send in a FCRA investigation letter and demand to cure, and a qualfied written request ("QWR") under the Real Estate Settlement Procedures Act ("RESPA").
Listen in as Attorney Steve, the Real Estate Lawyer, discusses this new phenomena and the relevant Dodd-Frank reforms that your loan servicer is required to comply with.
Join Doctor-Attorney Mayer Eisenstein and Vaccine Rights Attorney Alan Phillips as they discuss the recent outbreak of mysterious new virus that is putting many children in intensive care; how to help Representative Bill Posey get a Congressional investigation of the CDC vaccine-autism cover-up; conflicts of interest in the CDC; how to be legislatively active with vaccine issues without spending much time; an update on a California parent's exeperience with a vaccine exemption; podcast excerpts of The Know Your Rights Hour on sound cloud; evidence that vaccines weaken the immune system in the medical literature and recent events; whether or not it would be legal to run a vaccine-free daycare; where to get help if you or your child have been hurt by a vaccine; why policies that exclude unvaccinated children from school don't make sense medically or legally; and more!
JUSTICE is the constant and perpetual disposition to render every man his due. It is the proper administration of the law; the fair and equitable treatment of all individuals under the law. Justice is also a title given to certain judges, such as federal and state supreme court judges. Justice is 1) fairness, 2) moral rightness, 3) a scheme or system of law in which every person receives his/her/its due from the system, including all rights, both natural and legal. One problem is that attorneys, judges, and legislatures often get caught up more in procedure than in achieving justice for all. (Read more at http://legal-dictionary.thefreedictionary.com/justice ).
At "Human Rights Demand," we believe that justice is unlikely to happen where lawmakers and justice officials have a conflict of interest. Demand the resignations of lawmakers, judges, public defenders, prosecutors, Justice Department personnel and everyone else on the public's payroll if they are also PRISON INVESTORS. That is the only way to decriminalize mental illness, eliminate mass incarceration, and restore justice to our courtrooms. Tell public employees to DIVEST OR RESIGN. We must rid our government of everyone whose stock portfolios perform best with mass incarceration, wars, and when environmental concerns are ignored. Ask your congressional representative to introduce a bill that prohibits all lawmakers and other public officials and their spouses from earning prison profits. Pass such a bill, and we will see positive Change in the justice system. Only when prison investors can no longer write laws, represent and prosecute defendants, or preside over criminal cases will any semblance of justice arrive in U.S. courts.
"No man can serve two masters [his constituents and his stock portfolio]: for either he will hate the one, and love the other; or else he will hold to the one, and despise the other" - Matt. 6:24.
in Real Estate
Learn a creative financing techniques that you can use to purchase real estate whether the property is in foreclosure or for sale by owner
Join Doctor-Attorney Mayer Eistein, Vaccine Rights Attorney Alan Phillips, and Wayne Rohde, author of the new book, "The Vaccine Court, The Dark Truth of America's Vaccine Injury Compensation Program" in the 2nd half of the show, as they discuss the questionable wording of the new Chicago vaccine exemption form; how government officials from the local to national level are overstepping Constitutional boundaries where vaccine exemption rights are concerned; a group of New York models who are quietly not vaccinating their children; a listener's question about how to handle an upcoming meeting with a school nurse in California about a vaccine philosophical exemption there; Wayne Rohde's new book about the Vaccine Court, including statute of limitations problems that prevent parents and others with genuine vaccine injuries from getting any compensation; Wayne's upcoming books that address the federal government's Countermeasures Compensation Program that compensates victims of emergency vaccines that are not covered by the regular Vaccine Injury Compensation Program, and parents whose children are wrongfully removed over vaccines; and more!
Join Doctor-Attorney Mayer Eisenstein, Vaccine Rights Attorney Alan Phillips, and Analytical Chemist Dr. Paul King in the 2nd half of the show as they discuss current and past CDC fraud with vaccines, which kinds of vaccine exemptions are more difficult to get and why, the whistleblower who revealed CDC fraud regarding autism following the MMR vaccine in children, the contradiction between a lead author's email and subsequent published medical study about the relationship between thimerosal in vaccines and autism, how the CDC limits access to vaccine safety data and prevents independent researchers from seeing what's really going on with vaccines, research showing that Hepatitis B vaccines with thimerosal increase the risk of autism, why boys are more severely affected by thimerosal in vaccines than girls, how thimerosal affects brain development, how prenatal exposure to thimerosal increases the risk of autsim 8-fold, and more!
Join Doctor-Attorney-Author Mayer Eisenstein and Vaccine Rights Attorney Alan Phillips as they discuss efforts to eliminate compulsory vaccination in the 1880's; criticism of vaccines as early as 1802; the recently documented, deliberate CDC coverup of a substantial increase in African American boys' autism rates based on those children's MMR schedule; sections of The Know Your Rights Hour shows available on Sound Cloud (soundcloud.com, search for "Mayer Eisenstein"); the critical role of sanitation historically and presently in controlling infectious disease; Dr. Tetyana Obukhanych, Ph.D.'s new "Natural Immunity Fundamentals" Skype-based workshop (naturalimmunityfundamentals.com); Dr. Eisenstein's 13th grandchild; the medically appropriate correlation between newborn infant's vitamin K levels in the first week of life and the traditional schedule for Jewish circumcism; the effect of past vaccines on a present religious exemption to vaccines; whether or not you can use a religious exemption to refuse only some vaccines; and more!
in Real Estate
We will take a look at how credit scores are define and how they work.
Plus Mortgage News
Join Doctor-Attorney-Author Mayer Eisenstein and Vaccine Rights Attorney Alan Phillips as they discuss Alan's new Natural News article, "Employee Vaccine Mandates: Observations of an Vaccine Rights Attorney"; a published poll revealing that 95% of medical doctors encounter concerns from their patients or parents when discussing vaccines; the increasingly aggressive attacks from pro-vaxers against anti-vaccine views; misleading small pox statistics discussed in an 1880 meeting of the International Antivaccine League in Paris; the CDC's accidental release of anthrax and small pox germs; the pattern of health officials' exaggeration of infectious disease concerns, that profit of big pharma, when actual disease effects have been minimal; a caller's successful localized grass-roots effort to educate parents and others about vaccines; how school and daycare exemption laws vary from state to state; and more!
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