About You

You work hard for your family.  You got the house you wanted, that the realtor or the builder and mortgage broker and everyone said you could afford.

Maybe your financial advisor even suggested getting a bigger house.

Don’t you want a nicer house to raise your kids in?

After all, the value only goes up, you cannot lose!

And the radio and TV ads, letters, emails, phone solicitations:  get that equity out of your house, use it now!

“Interest rates have never been lower!”

“No money down!   We will give you a second mortgage at closing for that!”

“We give you the payment YOU want, interest only, whatever.”

“125 % loan to value, we will lend you more than your house is worth!”

If you were even told you were signing an adustable rate mortgage, you were assured you could re-finance in one or two years, into a low fixed rate, or another adjustable.

Hey, real estate only goes up, interest rates only go down or stay the same.

Bigger house, more furniture to fill it up.

Maybe add a deck in the back.

About You

And you are not going to drive that same old car to that nice new house in your nice new neighborhood.  And your wife needs a new car, too.

Sorry, that trade-in is worth less than you still owe on it, but, don’t worry!

We will take it off your hands, put you behind the wheel of this new beauty, and just roll over that debt into the new loan.

Like the MasterCard commercial said, having a bad day?  Go shopping!

“For everything else, there’s MasterCard.”

And the bill of goods they were selling worked.

For a while.

The the impossible happened, home prices went down, then the house of cards the Wall Street bankers had created collapsed, no re-financing now.

On top of that, your pay, or hours, or both, were cut, or you had to take a lower paying job.  Or you lost that second job you took to make all the payments for all the stuff everyone said you could need, and could afford.

And now the government is taking your tax money to bail out the bad guys, and those same bad guys will not work with you on your mortgage, which you want to pay.

Work with you?   Quite likely, you cannot find someone to even talk to you.

What do you need?

An attorney who will listen to you and fight for your rights.

(I may be a debt relief agency, depending on the interpretation of the latest bankruptcy laws passed by Congress.)

CONTACT ME FOR A FREE CONSULTATION!

Kurt O’Keefe, Esq.

OFFICES IN WAYNE, OAKLAND AND MACOMB COUNTIES

Phone:  313-962-4630

Fax:  313-216-2999

email kurt@stopcreditor.com