MachiLaw.com http://www.machilaw.com Machi and Associates, PC Mon, 14 May 2012 15:40:31 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 The Loan Modification Runaround http://www.machilaw.com/2012/05/14/5265/ http://www.machilaw.com/2012/05/14/5265/#comments Mon, 14 May 2012 10:10:41 +0000 Chris http://www.machilaw.com/?p=5265 At Machi & Associates our goal is to keep you in your home and avoid foreclosure. Our team will provide you with a unique, and professional plan that you and your mortgage lenders can consider.
We understand that you only have a short period of time to overcome the real possibility of losing your property through a foreclosure. Our experienced attorneys and real estate brokers will work to immediately stop your foreclosure. We have ...]]> Information About The Loan Modification Process

At Machi & Associates our goal is to keep you in your home and avoid foreclosure. Our team will provide you with a unique, and professional plan that you and your mortgage lenders can consider.

We understand that you only have a short period of time to overcome the real possibility of losing your property through a foreclosure. Our experienced attorneys and real estate brokers will work to immediately stop your foreclosure. We have the specialized knowledge to work with your current lender to restructure your loan and accomplish a successful loan modification.

Options to Avoid Foreclosure

There are many options for homeowners who can’t meet the burdensome demands of lenders.  Machi & Associates will analyze your financial situation to determine what options are realistically feasible for you, some of these options include:

  • Loan Modification
  • “Making Home Affordable” Programs
  • “HAMP” Programs
  • “HOPE Now” Programs
  • Reinstatement
  • Short Sale
  • Pre-Foreclosure Equity Sale
  • Deed-In-Lieu Of Foreclosure
  • Forbearance Programs

The Horror Stories

Consumers report getting the runaround from Banks. View some of their stories below.  Honest people get the runaround, inaccurate information, and are disconnected when they call their mortgage holder.  See the videos on our page about the Loan Modification Runaround.

]]> http://www.machilaw.com/2012/05/14/5265/feed/ 0 Good Bye Unemployment Benefits http://www.machilaw.com/2012/05/11/good-bye-unemployment-benefits/ http://www.machilaw.com/2012/05/11/good-bye-unemployment-benefits/#comments Fri, 11 May 2012 15:00:03 +0000 Kim http://www.machilaw.com/?p=5236 Of these folks, nearly half live in California.  The other states affected are Texas, Florida, Colorado, Connecticut, Pennsylvania, Florida, and Illinois.
The federal program provided an addition 20 weeks of benefits after the state benefits had ended.  More on this story at CNNMoney.com.
]]> More than 200,000 Americans will lose their unemployment checks this week.

Of these folks, nearly half live in California.  The other states affected are Texas, Florida, Colorado, Connecticut, Pennsylvania, Florida, and Illinois.

The federal program provided an addition 20 weeks of benefits after the state benefits had ended.  More on this story at CNNMoney.com.

]]> http://www.machilaw.com/2012/05/11/good-bye-unemployment-benefits/feed/ 0 Bankrupt Hostess Warns Workers of Layoffs http://www.machilaw.com/2012/05/10/bankrupt-hostess-warns-workers-of-layoffs/ http://www.machilaw.com/2012/05/10/bankrupt-hostess-warns-workers-of-layoffs/#comments Fri, 11 May 2012 04:41:11 +0000 Kim http://www.machilaw.com/?p=5245 Hostess is not looking to implement layoffs unless negotiations with unions do not result in consensual agreement.  Additional information available at the Star Telegram.
]]> Hostess Brands based in Irving, has given notice to several states, including Texas, that lay offs may be coming if the Chapter 11 restructuring is not successful.

Hostess is not looking to implement layoffs unless negotiations with unions do not result in consensual agreement.  Additional information available at the Star Telegram.

]]> http://www.machilaw.com/2012/05/10/bankrupt-hostess-warns-workers-of-layoffs/feed/ 0 Gas Prices: Down and Headed Lower http://www.machilaw.com/2012/05/10/gas-prices-down-and-headed-lower/ http://www.machilaw.com/2012/05/10/gas-prices-down-and-headed-lower/#comments Thu, 10 May 2012 15:00:41 +0000 Kim http://www.machilaw.com/?p=5242 Typically May is the time of year gas prices hit their high mark.  This year the average price for a gallon of unleaded has already been declining for the past month.   The biggest decrease in price occurred this past week with prices down 6 cents.
New technology has increased production and that is helping drive the price down.  The West Coast prices have not ...]]> U.S. drivers are getting some relief at the pump in time for the beginning of summer.

Typically May is the time of year gas prices hit their high mark.  This year the average price for a gallon of unleaded has already been declining for the past month.   The biggest decrease in price occurred this past week with prices down 6 cents.

New technology has increased production and that is helping drive the price down.  The West Coast prices have not yet fallen due to tight supply.  CNNMoney.com

]]> http://www.machilaw.com/2012/05/10/gas-prices-down-and-headed-lower/feed/ 0 How to Protect Yourself From Criminal Debt Collectors http://www.machilaw.com/2012/05/09/how-to-protect-yourself-from-criminal-debt-collectors/ http://www.machilaw.com/2012/05/09/how-to-protect-yourself-from-criminal-debt-collectors/#comments Wed, 09 May 2012 15:16:59 +0000 Kim http://www.machilaw.com/?p=5251 Collection calls are going out to almost 15 percent of Americans.  Many times this includes the retired and elderly citizens on fixed incomes.  According to the Federal Reserve that is twice the number 12 years ago.
Details ...]]> This year Americans are increasing the amount of debt they have.  This is mostly due to the poor economy.  Criminals are using illegal tactics, and aggressively trying to pursued you to pay off you debt.  Some balances include debts you may not owe.

Collection calls are going out to almost 15 percent of Americans.  Many times this includes the retired and elderly citizens on fixed incomes.  According to the Federal Reserve that is twice the number 12 years ago.

Details at US News.

]]> http://www.machilaw.com/2012/05/09/how-to-protect-yourself-from-criminal-debt-collectors/feed/ 0 10 Frugal Living Tips To Happiness On A Tight Budget http://www.machilaw.com/2012/05/08/10-frugal-living-tips-to-happiness-on-a-tight-budget/ http://www.machilaw.com/2012/05/08/10-frugal-living-tips-to-happiness-on-a-tight-budget/#comments Tue, 08 May 2012 15:00:12 +0000 Kim http://www.machilaw.com/?p=5239 1.  Keep track of your spending.
2.  Change your spending habits.
3.  Monitor your money.
 Whether you’re dealing with a mountain of debt or trying to save money for your retirement, there are numerous reasons to change your spending habits. Frugal living is typically viewed in a negative light, where the word “sacrifice” becomes synonymous with “suffering.” However, this does not have to be the case. Here are 10 frugal living tips to achieve happiness on a tight budget.  Candofinance.com

1.  Keep track of your spending.

2.  Change your spending habits.

3.  Monitor your money.

4.  Carry a coin purse.

5.  Give yourself an allowance.

6.  Start living a healthier lifestyle.

7.  Look for ways to earn on the side.

8.  Stop impulse buying.

9.  Never buy anything at full price.

10.  Change the way you eat out.

 

 

]]> http://www.machilaw.com/2012/05/08/10-frugal-living-tips-to-happiness-on-a-tight-budget/feed/ 0 49% of Americans Saving Zero for Retirement http://www.machilaw.com/2012/05/05/49-of-americans-saving-zero-for-retirement/ http://www.machilaw.com/2012/05/05/49-of-americans-saving-zero-for-retirement/#comments Sun, 06 May 2012 02:57:01 +0000 Kim http://www.machilaw.com/?p=5232 LIMRA, a trade association for the financial services industry conducted the survey. They found the statistics disturbing considering that consumers are currently using personal savings to make ends meet. Retirement may last 20 or more years.
 An April survey shows that nearly half of consumers cannot afford to contribute to an IRA. The age range from 18 to 34 are the ones least likely to be saving. Of this age group 56% do not contribute to an IRA or 401(k).
LIMRA, a trade association for the financial services industry conducted the survey. They found the statistics disturbing considering that consumers are currently using personal savings to make ends meet. Retirement may last 20 or more years.
Details at CNNMoney.com

]]> http://www.machilaw.com/2012/05/05/49-of-americans-saving-zero-for-retirement/feed/ 0 Dangerous Dogs http://www.machilaw.com/2012/05/01/dangerous-dogs/ http://www.machilaw.com/2012/05/01/dangerous-dogs/#comments Tue, 01 May 2012 10:49:10 +0000 Chris http://www.machilaw.com/?p=5269 Here are some useful Dangerous Dog links.
City of Arlington Info on Dangerous Dogs
List of Dangerous Dogs in Arlington
Fort Worth Info on Dangerous Dogs
Dog Bites at SeriousInjuryLaw.com.
]]> Dog BitesWe handle a great number of cases involving Dangerous Dog Bites and Attacks.  If you or a loved one has been attacked by a dog, give us a call.

Here are some useful Dangerous Dog links.

City of Arlington Info on Dangerous Dogs
List of Dangerous Dogs in Arlington
Fort Worth Info on Dangerous Dogs

Dog Bites at SeriousInjuryLaw.com.

]]> http://www.machilaw.com/2012/05/01/dangerous-dogs/feed/ 0 Wells Fargo Gives $50,000 for Tornado Relief http://www.machilaw.com/2012/04/07/wells-fargo-gives-50000-for-tornado-relief/ http://www.machilaw.com/2012/04/07/wells-fargo-gives-50000-for-tornado-relief/#comments Sat, 07 Apr 2012 15:00:05 +0000 Kim http://www.machilaw.com/?p=5247 The bank also would like any customers or businesses affected by the tornados contact their nearest Wells Fargo branch to discuss options.
Read more at the Star Telegram.
]]> Wells Fargo will give $50,00 to the Red Cross/North Texas Tornado Relief.  If customers would like to donate, 100% of the donation will go to the cause.

The bank also would like any customers or businesses affected by the tornados contact their nearest Wells Fargo branch to discuss options.

Read more at the Star Telegram.

]]> http://www.machilaw.com/2012/04/07/wells-fargo-gives-50000-for-tornado-relief/feed/ 0 Happy Birthday Obamacare http://www.machilaw.com/2012/03/27/happy-birthday-obamacare/ http://www.machilaw.com/2012/03/27/happy-birthday-obamacare/#comments Tue, 27 Mar 2012 10:06:10 +0000 Chris http://www.machilaw.com/?p=5263 ]]> Obamacare has allowed me to put my kids in their 20s on my health insurance.  Happy Birthday Obamacare.

]]> http://www.machilaw.com/2012/03/27/happy-birthday-obamacare/feed/ 0