This is a series giving a basic explanation of the current foreclosure fraud crisis from Mike Konczal; This is Part Four; you should also see Part One, Part Two, and Part Three)
Right now the foreclosure system has shut down as a result of banks’ own voluntary actions. There is currently a debate on whether or not the current foreclosure fraud crisis could explode into a systemic risk problem that perils the larger financial sector and economy, and if so what that would look like.
No matter what happens, the uncertainty about notes and what is currently going on with the foreclosure crisis is terrible for the economy. Getting to the heart of this problem so that negotiations can be worked out is important for getting the economy going again. There is little reason to trust what comes out of the servicers and the banks in whatever they conclude at the end of the month, and the market will know that. Only the government can credible clear the air here as to what the legal situation is with the notes and the securitizations.
But I wanted to get some unlikely but dangerous scenarios on the table in which this blows up. Bangs, not whimpers. The kind where Congress is pressured to act over a weekend. I had a discussion with Adam Levitin about how this could explode into a systemic problem.
Title Insurance Market Breaks Down
First scenario involves title insurance. Specifically if title insurers decide to take a month off from writing title insurance even on performing and current loans to investigate what is going on with note transfers.
If that happened there would be no mortgage sales (except for those involving cash) in the country. The system would simply stop. Everyone with an interest, from realtors to Wall Street to construction to huge sections of the economy, would face a major crisis through this short-term pinch. There would be a call for Congress to step in immediately.
You can tell that the title insurance market, which is largely concentrated and also holding very little capital for a nationwide crisis scenario, is investigating the current problems. They are holding off on certain types of foreclosed properties; if they decide to hold off all together you could see a scenario where Congress is pushed to act immediately.
Lawsuits a Go-Go
The second would be a wave of lawsuits. As we discussed in Part Two, many of the servicing agreements allowed for the trustees to force the depositors and sponsors to purchase mortgages without notes. That would be 100 cents on the dollar for mortgages worth pennies. If the trustees don’t take action, the investors could sue them. And the tranche warfare on this issue is intense, as foreclosures versus a few more payments radically change the balance between junior and senior tranche holders (See Tracy Alloway on tranche warfare here).
Here’s what this could look like. Read left side up for what the lawsuit screaming looks like and the right side down for the response:
Much of the activity would center around the four largest participants in these areas, the Too Big To Fail institutions of Wells Fargo, Bank of America, Citi and JP Morgan.
And many of these mortgage-backed securities are cheap. So in an interesting scenario you could see hedge funds buying MBS for pennies just for the option to sue firms that are likely backstopped by the government.
If title insurance froze, or if the financial markets had a panic over fears of waves of lawsuits, there would be pressure for Congress to do something. Much of the law is New York trust law, so it isn’t clear Congress can act. But there will be pressure.
Because if this bad-case scenario happens, which there is a small but reasonable chance it could, progressives need to have a clear sense of what they want in exchange for negotiations when the financial industry comes flying in over the cliff, a list of demands and questions to replace the in-large-part steamrolling of TARP over anyone’s interests but the banks. Even if that doesn’t happen, but the slow bleed of the current dysfunctional mortgage market continues, progressive wonk policy initiatives that fix this crisis and get the mortgage market going again should be at the front of the debate. We’ll cover this in Part 5.
Every single court challenge to the standing of MERS in the foreclosure process has been upheld, either in the initial court proceeding or upon appeal, when proper evidence is presented before the court. Prof. Peterson’s assertion that “virtually any company can show up, claim to own the note, and proceed to foreclose,” is false. Foreclosure is a terrible thing for homeowners but none of the confusion surrounding erroneous foreclosures can be ascribed to MERS.
MERS does not create a defect in the mortgage or deed of trust. Claims that MERS disrupts or creates a defect in the mortgage or deed of trust are not supported by fact or legal precedents. This argument is often used as a tactic by lawyers to delay or prevent the foreclosure. The mortgage lien is granted to MERS by the borrower and the seller at closing and that is what makes MERS the mortgagee. The role of mortgagee is legal and binding and confers to MERS certain legal rights and responsibilities.
MERS does not initiate foreclosure proceedings; it is the lender that initiates the proceeding. Similarly, certifying officers are designated by lending institutions and are allowed to execute only certain documents on behalf of MERS. Certifying officers selected by their employer are expected to fully comply with the policies of the lending institution for which they work, as well as MERS guidelines and all applicable laws and regulations.
Regarding the recording issue that was raised several times in the report, MERS fully complies with all recording statutes. The purpose of recording laws is to show that a lien exists, which protects the mortgagee and any bona fide purchasers. When MERS is the mortgagee, the mortgage or deed of trust is recorded, and all recording fees are paid. As for the fees themselves, these are local fees for service; if no service is needed or requested, no fee is appropriate. Additionally, any costs savings on fees are passed on to consumers.
MERS does not remove, omit, or otherwise fail to report land ownership information from public records and the trail of ownership does not change because of MERS. Parties are put on notice that MERS is the mortgagee and notifications by third parties can be sent to MERS. Mortgages and deeds of trust still get recorded in the land records.
The MERS System tracks the changes in servicing rights and beneficial ownership. No legal interests are transferred on the MERS System, including servicing and ownership. In fact, MERS is the only publicly available comprehensive source for note ownership.
While this information is tracked through the MERS System, the paperwork still exists to prove that actual legal transfers occurred. No mortgage ownership documents have disappeared because loans were registered on the MERS System. These documents exist now as they have before MERS was created.
We hope this helps clear up some of the confusion on these issues.
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
eric seiger
This is a series giving a basic explanation of the current foreclosure fraud crisis from Mike Konczal; This is Part Four; you should also see Part One, Part Two, and Part Three)
Right now the foreclosure system has shut down as a result of banks’ own voluntary actions. There is currently a debate on whether or not the current foreclosure fraud crisis could explode into a systemic risk problem that perils the larger financial sector and economy, and if so what that would look like.
No matter what happens, the uncertainty about notes and what is currently going on with the foreclosure crisis is terrible for the economy. Getting to the heart of this problem so that negotiations can be worked out is important for getting the economy going again. There is little reason to trust what comes out of the servicers and the banks in whatever they conclude at the end of the month, and the market will know that. Only the government can credible clear the air here as to what the legal situation is with the notes and the securitizations.
But I wanted to get some unlikely but dangerous scenarios on the table in which this blows up. Bangs, not whimpers. The kind where Congress is pressured to act over a weekend. I had a discussion with Adam Levitin about how this could explode into a systemic problem.
Title Insurance Market Breaks Down
First scenario involves title insurance. Specifically if title insurers decide to take a month off from writing title insurance even on performing and current loans to investigate what is going on with note transfers.
If that happened there would be no mortgage sales (except for those involving cash) in the country. The system would simply stop. Everyone with an interest, from realtors to Wall Street to construction to huge sections of the economy, would face a major crisis through this short-term pinch. There would be a call for Congress to step in immediately.
You can tell that the title insurance market, which is largely concentrated and also holding very little capital for a nationwide crisis scenario, is investigating the current problems. They are holding off on certain types of foreclosed properties; if they decide to hold off all together you could see a scenario where Congress is pushed to act immediately.
Lawsuits a Go-Go
The second would be a wave of lawsuits. As we discussed in Part Two, many of the servicing agreements allowed for the trustees to force the depositors and sponsors to purchase mortgages without notes. That would be 100 cents on the dollar for mortgages worth pennies. If the trustees don’t take action, the investors could sue them. And the tranche warfare on this issue is intense, as foreclosures versus a few more payments radically change the balance between junior and senior tranche holders (See Tracy Alloway on tranche warfare here).
Here’s what this could look like. Read left side up for what the lawsuit screaming looks like and the right side down for the response:
Much of the activity would center around the four largest participants in these areas, the Too Big To Fail institutions of Wells Fargo, Bank of America, Citi and JP Morgan.
And many of these mortgage-backed securities are cheap. So in an interesting scenario you could see hedge funds buying MBS for pennies just for the option to sue firms that are likely backstopped by the government.
If title insurance froze, or if the financial markets had a panic over fears of waves of lawsuits, there would be pressure for Congress to do something. Much of the law is New York trust law, so it isn’t clear Congress can act. But there will be pressure.
Because if this bad-case scenario happens, which there is a small but reasonable chance it could, progressives need to have a clear sense of what they want in exchange for negotiations when the financial industry comes flying in over the cliff, a list of demands and questions to replace the in-large-part steamrolling of TARP over anyone’s interests but the banks. Even if that doesn’t happen, but the slow bleed of the current dysfunctional mortgage market continues, progressive wonk policy initiatives that fix this crisis and get the mortgage market going again should be at the front of the debate. We’ll cover this in Part 5.
Every single court challenge to the standing of MERS in the foreclosure process has been upheld, either in the initial court proceeding or upon appeal, when proper evidence is presented before the court. Prof. Peterson’s assertion that “virtually any company can show up, claim to own the note, and proceed to foreclose,” is false. Foreclosure is a terrible thing for homeowners but none of the confusion surrounding erroneous foreclosures can be ascribed to MERS.
MERS does not create a defect in the mortgage or deed of trust. Claims that MERS disrupts or creates a defect in the mortgage or deed of trust are not supported by fact or legal precedents. This argument is often used as a tactic by lawyers to delay or prevent the foreclosure. The mortgage lien is granted to MERS by the borrower and the seller at closing and that is what makes MERS the mortgagee. The role of mortgagee is legal and binding and confers to MERS certain legal rights and responsibilities.
MERS does not initiate foreclosure proceedings; it is the lender that initiates the proceeding. Similarly, certifying officers are designated by lending institutions and are allowed to execute only certain documents on behalf of MERS. Certifying officers selected by their employer are expected to fully comply with the policies of the lending institution for which they work, as well as MERS guidelines and all applicable laws and regulations.
Regarding the recording issue that was raised several times in the report, MERS fully complies with all recording statutes. The purpose of recording laws is to show that a lien exists, which protects the mortgagee and any bona fide purchasers. When MERS is the mortgagee, the mortgage or deed of trust is recorded, and all recording fees are paid. As for the fees themselves, these are local fees for service; if no service is needed or requested, no fee is appropriate. Additionally, any costs savings on fees are passed on to consumers.
MERS does not remove, omit, or otherwise fail to report land ownership information from public records and the trail of ownership does not change because of MERS. Parties are put on notice that MERS is the mortgagee and notifications by third parties can be sent to MERS. Mortgages and deeds of trust still get recorded in the land records.
The MERS System tracks the changes in servicing rights and beneficial ownership. No legal interests are transferred on the MERS System, including servicing and ownership. In fact, MERS is the only publicly available comprehensive source for note ownership.
While this information is tracked through the MERS System, the paperwork still exists to prove that actual legal transfers occurred. No mortgage ownership documents have disappeared because loans were registered on the MERS System. These documents exist now as they have before MERS was created.
We hope this helps clear up some of the confusion on these issues.
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
eric seiger
eric seiger
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
eric seiger
This is a series giving a basic explanation of the current foreclosure fraud crisis from Mike Konczal; This is Part Four; you should also see Part One, Part Two, and Part Three)
Right now the foreclosure system has shut down as a result of banks’ own voluntary actions. There is currently a debate on whether or not the current foreclosure fraud crisis could explode into a systemic risk problem that perils the larger financial sector and economy, and if so what that would look like.
No matter what happens, the uncertainty about notes and what is currently going on with the foreclosure crisis is terrible for the economy. Getting to the heart of this problem so that negotiations can be worked out is important for getting the economy going again. There is little reason to trust what comes out of the servicers and the banks in whatever they conclude at the end of the month, and the market will know that. Only the government can credible clear the air here as to what the legal situation is with the notes and the securitizations.
But I wanted to get some unlikely but dangerous scenarios on the table in which this blows up. Bangs, not whimpers. The kind where Congress is pressured to act over a weekend. I had a discussion with Adam Levitin about how this could explode into a systemic problem.
Title Insurance Market Breaks Down
First scenario involves title insurance. Specifically if title insurers decide to take a month off from writing title insurance even on performing and current loans to investigate what is going on with note transfers.
If that happened there would be no mortgage sales (except for those involving cash) in the country. The system would simply stop. Everyone with an interest, from realtors to Wall Street to construction to huge sections of the economy, would face a major crisis through this short-term pinch. There would be a call for Congress to step in immediately.
You can tell that the title insurance market, which is largely concentrated and also holding very little capital for a nationwide crisis scenario, is investigating the current problems. They are holding off on certain types of foreclosed properties; if they decide to hold off all together you could see a scenario where Congress is pushed to act immediately.
Lawsuits a Go-Go
The second would be a wave of lawsuits. As we discussed in Part Two, many of the servicing agreements allowed for the trustees to force the depositors and sponsors to purchase mortgages without notes. That would be 100 cents on the dollar for mortgages worth pennies. If the trustees don’t take action, the investors could sue them. And the tranche warfare on this issue is intense, as foreclosures versus a few more payments radically change the balance between junior and senior tranche holders (See Tracy Alloway on tranche warfare here).
Here’s what this could look like. Read left side up for what the lawsuit screaming looks like and the right side down for the response:
Much of the activity would center around the four largest participants in these areas, the Too Big To Fail institutions of Wells Fargo, Bank of America, Citi and JP Morgan.
And many of these mortgage-backed securities are cheap. So in an interesting scenario you could see hedge funds buying MBS for pennies just for the option to sue firms that are likely backstopped by the government.
If title insurance froze, or if the financial markets had a panic over fears of waves of lawsuits, there would be pressure for Congress to do something. Much of the law is New York trust law, so it isn’t clear Congress can act. But there will be pressure.
Because if this bad-case scenario happens, which there is a small but reasonable chance it could, progressives need to have a clear sense of what they want in exchange for negotiations when the financial industry comes flying in over the cliff, a list of demands and questions to replace the in-large-part steamrolling of TARP over anyone’s interests but the banks. Even if that doesn’t happen, but the slow bleed of the current dysfunctional mortgage market continues, progressive wonk policy initiatives that fix this crisis and get the mortgage market going again should be at the front of the debate. We’ll cover this in Part 5.
Every single court challenge to the standing of MERS in the foreclosure process has been upheld, either in the initial court proceeding or upon appeal, when proper evidence is presented before the court. Prof. Peterson’s assertion that “virtually any company can show up, claim to own the note, and proceed to foreclose,” is false. Foreclosure is a terrible thing for homeowners but none of the confusion surrounding erroneous foreclosures can be ascribed to MERS.
MERS does not create a defect in the mortgage or deed of trust. Claims that MERS disrupts or creates a defect in the mortgage or deed of trust are not supported by fact or legal precedents. This argument is often used as a tactic by lawyers to delay or prevent the foreclosure. The mortgage lien is granted to MERS by the borrower and the seller at closing and that is what makes MERS the mortgagee. The role of mortgagee is legal and binding and confers to MERS certain legal rights and responsibilities.
MERS does not initiate foreclosure proceedings; it is the lender that initiates the proceeding. Similarly, certifying officers are designated by lending institutions and are allowed to execute only certain documents on behalf of MERS. Certifying officers selected by their employer are expected to fully comply with the policies of the lending institution for which they work, as well as MERS guidelines and all applicable laws and regulations.
Regarding the recording issue that was raised several times in the report, MERS fully complies with all recording statutes. The purpose of recording laws is to show that a lien exists, which protects the mortgagee and any bona fide purchasers. When MERS is the mortgagee, the mortgage or deed of trust is recorded, and all recording fees are paid. As for the fees themselves, these are local fees for service; if no service is needed or requested, no fee is appropriate. Additionally, any costs savings on fees are passed on to consumers.
MERS does not remove, omit, or otherwise fail to report land ownership information from public records and the trail of ownership does not change because of MERS. Parties are put on notice that MERS is the mortgagee and notifications by third parties can be sent to MERS. Mortgages and deeds of trust still get recorded in the land records.
The MERS System tracks the changes in servicing rights and beneficial ownership. No legal interests are transferred on the MERS System, including servicing and ownership. In fact, MERS is the only publicly available comprehensive source for note ownership.
While this information is tracked through the MERS System, the paperwork still exists to prove that actual legal transfers occurred. No mortgage ownership documents have disappeared because loans were registered on the MERS System. These documents exist now as they have before MERS was created.
We hope this helps clear up some of the confusion on these issues.
eric seiger
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
eric seiger
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
eric seiger eric seiger
eric seiger
eric seiger
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
big seminar 14
There are tons of cleaning business forms for sale, but when I started my foreclosure cleanup business, I could not find one that addressed the sticky situation of working with realtors and banks in a foreclosure-ridden market.
As a realtor and foreclosure cleanup business owner, I've seen both sides of contractor transactions: being a realtor hiring a contractor and being a contractor working for a realtor. I knew there were scenarios a blanket contract agreement would not cover. So I decided to create my own contractual form for my foreclosure cleanup business.
With the I's dotted and the T's crossed, I knew my business could operate successfully knowing we had a solid foreclosure cleanup business form in place to help ensure we got paid and to assist us if we had to sue someone for non-payment.
There are several clauses we use in our primary estimate and contract form to protect us. For example purposes, let's address the "contingency clause" as it relates to the foreclosure cleanup business form.
Just recently, a realtor client asked me if our company could wait until the property closed to get our check for a pending cleanup job. Since the closing was only a week away, we agreed to wait to get paid on the date of the closing. But we indicated in our contract that our getting paid was NOT contingent upon a successful closing.
"Contingent upon" means if A happens, then B will happen. If you have your contract CONTINGENT upon the closing, you're gambling that invoice away. That means if buyers lose financing, or the sellers pull out, or an inspection doesn't pan out, you will have worked for nothing and will be out-of-pocket on the job because you will have already completed the cleanup work.
Note, I said we indicated IN OUR CONTRACT that our getting paid was NOT continent upon a successful closing." If it ain't in writing, it ain't so. This realtor happened to be a colleague of mine; I'd worked with her before under a large real estate broker. But a verbal agreement would not do, no matter we were colleagues. It needed to be in writing, so I included the "non-contingency" clause in my contract with her.
As it turned out, the property did not close; it was a short sale that did not go through. The realtor ultimately took over a month to pay us, likely because the deal fell through and the bank or buyer didn't pay her. Imagine if we had made our getting paid contingent upon the sale.
TIPS:
Always make sure your foreclosure cleanup contract is NOT contingent upon a successful closing. You want to get paid whether the buyer closes or not.
Take care to put contractual details in writing to avoid confusion. No matter how casual you are with your clients, the point of a contract is "proof of meeting of the minds." You need something written you can show as proof in a court of law in the event of legal action.
Remember to list your "terms" on your forms (i.e., payment due IMMEDIATELY, within 30 days, etc.).
Also, if you're dealing with a real estate agent, you want the broker's contact information as well. Realtors enter into deals as arms of their brokers, so you want to know who that broker is.
Of course, you want the address of the subject property on the form, estimated time of job completion, and a host of other important details.
Commissions are lower and slower for real estate professionals, and banks are taking longer than usual to pay. If you don't have a solid foreclosure cleanup contract specific to the foreclosure cleanup industry, you may be busy as a bee, but working for free. Remember, don't make a deal on a verbal agreement or a handshake, or you'll likely get the raw end of the deal.
The beauty of this industry is that the professionals you will work with most of the time in the foreclosure cleanup industry will be realtors, mortgage personnel, bank employees, and investors. They are all accustomed to working with written contractual agreements.
The bottom line is to simply take precaution from the outset and use foreclosure cleanup forms with the proper clauses that will protect you and your business.
Of course, this article is not intended to be a substitute for legal advice.
by Cassandra Black, CEO, Foreclosure Cleanup, LLC and Author of the Foreclosure Cleanup Business Combo Estimate & Contract Form, How to Start a Foreclosure Cleanup Business, The Pricing Guide for Foreclosure Cleaning & Real-Estate Service Businesses: How to Price Jobs for Profit eBook and How to Market Your Foreclosure Cleanup Business: A Step-by-Step, Shoestring Marketing Guide for Foreclosure Cleaning Business Owners.
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
eric seiger
Shakesville: Good <b>News</b>!
Good News! In August, Shaker Andy wrote a guest post about the campaign "directed at Stonewall, the UK's, and indeed Europe's, largest LGB lobbying organisation" to advocate for marriage equality. Andy just emailed to let me know the ...
World <b>news</b> coverage evaporating in the UK | openDemocracy
International news, in case you hadn't realised, is disappearing across the UK media. The trends are documented in 'Shrinking World' - an authoritative and compelling report on the demise of foreign news reporting in the UK, ...
<b>News</b> Corp to MySpace: Shape Up or Ship Out
We've been clear that MySpace is a problem. The current losses are not acceptable or sustainable. They must show improvement ...
eric seiger
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