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Solid & Practical Foreclosure Prevention

How It Works     When you sign up for the American CIB Foreclosure Prevention Makeover, you are assigned a personal paralegal who will be working with you throughout the entire process. We begin by taking an in- depth analysis of your overall debt exposure. Then, we develop a very precise plan based upon your ability to pay.     Remember: Our goal is not just to save your home, but to do it in a way that makes it affordable! We want to put you in a position to pay off your mortgage!     We contact your mortgage lender to let them know that Patriot Law Firm will be representing you. We then start the loan modification and negotiation process. At this point, 80% of our members are able to successfully modify their mortgage and terms with the very first try! Sometimes the mortgage lender will come back with different terms that were not expected. So, we start the process again by renegotiating

the terms and by putting pressure on the bank to accept our terms.     The length of time between these first and second rounds of negotiations is about three months. What does this mean for you? An additional three months of rent-free living!     We are able to succeed at getting over 90% of the loans modified for our members through this second round of negotiations. If we are not successful in negotiating the terms of your loan and your lender decides to move forward with foreclosure proceedings, we then escalate your case to a Level Two status.     At this point we have several options. We will wait until the last week before the sale of your home at auction and then we have several tactics to help save your home from foreclosure. First, we can file for a Chapter 13 bankruptcy which will automatically stop the sale of the home and put things off for at least three months. In this case you would have an additional three months of rent-free living. We can also send the bank a Short Sale offer which will stop the foreclosure and buy you another 3 months of rent-free living.     The goal of American CIB in this process is to save your home. But if we can’t, our goal then becomes buying you as much time as possible.     With a success rate of over 90% in modifying American’s mortgages, American CIB and its partners at Patriot Law Firm have the most comprehensive foreclosure prevention service in the country! There is no other company that provides the services we do, and no one can represent you like American CIB during this potentially stressful process.     Recently, legislation was passed making it possible for both consumers

and lenders to get some help, encouraging both parties to modify their mortgages and work together.     In fact, Uncle Sam is willing to pay your mortgage company to modify your mortgage!     For more details, go to this page: http://www.makinghomeaffordable.gov/     Please note! Mortgage companies are used to pushing consumers around, and forcing the terms they want onto them. We advise you to not contact your mortgage lender directly; that is our job. Our professionals at American CIB will stand up for you and work to get what you deserve. Banks Don't Want Your Home     If you are experiencing financial difficulties, and your home faces foreclosure, we urge you to stay strong. There is help for you! When pressure mounts and house payments are missed, you may feel the silent grip of the bank pulling at your precious home. However, the truth of the matter is that the bank, or the lender, does not want your home! Banks want mortgage terms paid as agreed, and will do anything that is reasonable to keep you in your home and keep your loan active. They do not want to lose money, the basis of their business, which is what would end up happening should the bank be forced into foreclosure proceedings!     Remember that lenders are not in the business of selling homes; their best interest is in keeping loans alive!     Take advantage of the fact that banks are not interested in losing money do not want to waste valuable time and assets selling distressed properties. Banks want to help you, the borrower, make your payments however they can. Let us assist you in this process. We can help you keep your home!     Banks don’t want your house. They want the balance of the loan

paid someday. They’re motivated to work with you in keeping your home with an eye toward retiring the loan. We show the lender why it would be in their best interest to make new arrangements with the consumer. In turn, the lender may reduce the loan interest rate, reduce monthly payment amounts, or change other loan terms to allow for an affordable loan and make it possible for homeowner to avoid foreclosure.      What are the options when dealing with foreclosure prevention? Sooner or later, if you don’t do something, the bank will… and you could find you and your family homeless.      With the American CIB team and Patriot Law Firm working together, you do have options and those options are designed to buy you as much time as possible and ultimately save your home in the end. How Much      You can start the program today with a simple down payment of $500, making payments of $500 a month for 5 months, for the low cost of $2,500 total. That’s right! Many companies will charge you $3,500 for just doing a loan modification. But all you pay for the American CIB Mortgage Foreclosure Makeover is $2,500, and that’s including our extra services and credit repair! Ours is by far the best priced, most comprehensive foreclosure prevention service in the country. Get started today!