Scott – The Consumer Equalizer Podcast


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Homeowners Consumer Center Warns All Home Buyers-Investors In Florida, Virginia Or The Gulf States To Avoid Buying A Home Or Condo Foreclosure With Toxic Chinese Drywall

(PRWEB) October 09, 2012

The Homeowners Consumer Center believes because toxic Chinese drywall was intermixed with US made drywall the potential number of impacted homes in Florida, Virginia, or US Gulf States exceeds 200,000. The time frames are 2004 until 2007. Large quantities of toxic Chinese drywall were discovered initially in Florida, and Virginia in January of 2009. Within six months large amounts of toxic Chinese drywall were also discovered in Alabama, Mississippi, Louisiana, and Southeast Texas homes. According to the US Consumer Products Safety Commission toxic Chinese drywall emits hydrogen sulfide gases. The Homeowners Consumer Center says, “In a typical home in Florida-that contains toxic Chinese drywall, the copper air conditioning coils turn black, and begin to leak in about one year because of hydrogen sulfide being emitted by the toxic Chinese drywall. So what is toxic Chinese drywall doing to the health of the homeowners, and their children who live in one of these homes?” http://HomeownersConsumerCenter.Com

For symptoms of toxic Chinese drywall in Florida, Virginia, Alabama, Mississippi, Louisiana, or Southeast Texas please visit the Homeowners Consumer Center’s Chinese Drywall Complaint Center’s web site at http://ChineseDrywallComplaintCenter.Com

The Homeowners Consumer Center says, “Without a federal stamp of approval with respect to an iron clad remediation protocol to repair a toxic Chinese drywall home from the US EPA, and or the Obama Administration, we think a home buyer, or real estate investor would be insane to purchase a home in Florida, Virginia, or Alabama, Mississippi, Louisiana, or Southeast Texas that contains toxic Chinese drywall. We are convinced this is especially true of condominiums, and or town home projects-because if the condo, or town home units are all attached-so called repaired units get ruined again by units not repaired via hydrogen sulfide gasses passing through the concrete block walls that separate units. Why buy a single family home, a condominium, or a town home in Florida, Virginia, or the Gulf States-that could pose an extremely serious health risk to you, your family, your children, or renters-with no federally approved remediation protocol to repair one of these homes? With no rules, or meaningful regulations from the Obama Administration, and or federal agencies we are urging all potential home buyers, or real estate investors to not buy a toxic Chinese drywall home, condo, or town home until the Obama Administration establishes some rules. Because of no leadership from the Feds the toxic Chinese drywall disaster in the US has turned into the Wild West with no one in charge.” http://HomeownersConsumerCenter.Com







Mortgage Refinance Rates Just Spotted at 3.50% (3.53 APR) for 30 Year Fixed Home Loan On Consumer Daily


Palm Beach, FL (PRWEB) August 24, 2012

Lenders and banks dont necessarily advertise their best rates widely, so consumers need to take the initiative to find and compare interest rates. Consumer Daily provides access to a list of mortgage rates using two large databases of lenders, regardless of a consumers personal situation, that anyone can browse in a user-friendly fashion. Homeowners simply need to answer four questions to view precise rates from numerous lenders and banks online at:

http://www.consumerdaily.org/mortgage/

For example, recent rates available via Consumer Dailys search tool ranged from 3.4% to 3.8% for a 30 year fixed rate mortgage. On a $ 300,000 home, that is approximately $ 1500 per month in mortgage payments. While these rates are certainly higher than the 15 year fixed rate, the monthly payment for a 15 year fixed rate mortgage is over $ 500 more per month compared to the 30 year fixed rate mortgage. For some people, that extra $ 500 would be unaffordable, making the 30 year option a much more attractive proposition.

Current homeowners can benefit from a 30 year mortgage rate as well. Depending on the amount of equity the homeowner currently possesses, he or she may qualify for refinancing. By changing their current mortgage to a 30 year mortgage, homeowners can lower their monthly payment and free up cash for other investments or debt payments.

By imputing their zipcode, the value of their home, the current amount owed and the mortgage type into the Consumer Daily portal, homeowners can view current available rates for refinancing. Since Consumer Daily uses two large databases of lenders and banks, consumers are much more likely to find and compare the best rates.

Home ownership can seem out of reach for many people. Taking a 30 year mortgage makes it a little more affordable and realistic by letting purchasers pay back their loan in smaller amounts over a longer time frame. It also provides benefits to current homeowners who are looking to refinance and reduce their monthly payments. To get the most benefit, consumers need to carefully consider the interest rate on their loan using by comparing rates using a service such as Consumer Daily’s extensive list of mortgage rates.







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Springboard Nonprofit Consumer Credit Management, Inc. Introduces Springboard Management LLC


Riverside, CA (PRWEB) June 13, 2012

Springboard Nonprofit Consumer Credit Management, Inc., (Springboard), one of the oldest and largest nonprofit housing and consumer credit counseling agencies in the nation is pleased to announce the creation of its newly formed subsidiary, Springboard Management LLC. Springboard Management utilizes the extensive property management background of two of its most experienced and seasoned executives in creating a unique and diverse affordable multifamily housing management platform. Springboard Management will take a holistic approach to operating and managing an entire range of residential service needs while simultaneously monitoring the financial health and bottom line success of each property owner or investor.

We understand the value of an affordable multifamily property and how to enhance it for both our residents and our investors, said Chris Stevens, president of Springboard Management. As we build relationships with our residents and their communities, we set ourselves apart in the marketplace and create long-term, income-producing investments for our clients, added Stevens.

Springboard Managements strength lies in its diverse menu of products and services offered to both residents and investors. For investors, Springboard Management provides the widely acclaimed Street Light Report aimed at providing managers and owners with a financial snapshot of their portfolio position along with indicators of financial stability. For residents, Springboard Management offers a comprehensive rental counseling program administered through Springboard and its team of certified financial counselors. Residents will be educated on their rental responsibilities and lease obligations and earn a certificate of achievement upon completion of all counseling sessions. In addition, a wide array of on-site social services will be available to residents, including classes on adult financial literacy, transportation assistance and early childhood programs. By incorporating a lifestyle management approach to residential property administration and operation which Springboard terms Social Conscious Management, property managers will realize fewer late and insufficient payments, less turnover, and greater property stability.

In addition to Stevens, Springboard Management is under the direction of Lyle Lansdell, Springboards executive vice president, a veteran of more than thirty years in the multifamily property industry whose responsibilities will include strategic business development and financial management.

For more information, on Springboard Housing, please visit their web site at http://www.springboardhousing.org, or contact Melinda Opperman at Melinda.Opperman(at)springboard(dot)org.

About Springboard Nonprofit Consumer Credit Management, Inc.

SPRINGBOARD? Nonprofit Consumer Credit Management, Inc. (Springboard) is an IRS 501(c)(3) nonprofit personal financial education and counseling organization founded in 1974. Springboard is an approved housing counseling regional intermediary by the U.S. Dept. of Housing & Urban Development, and is accredited by the Council on Accreditation signifying the highest standards in the industry for agency governance, fiscal integrity, counselor certification and service delivery policies. In addition, Springboard is a member of both national industry associations; the National Foundation for Credit Counseling and the Association of Independent Credit Counseling Agencies. Springboard offers personal financial education and confidential counseling in foreclosure prevention, rent, reverse mortgage, pre-bankruptcy and debtor education, and debt and money management. Springboard provides telephone counseling services nationwide, and maintains offices in California, Arizona, Nevada, New Mexico, Texas, South Carolina and Massachusetts for in-person sessions. Not all types of counseling are available at all locations. For more information on Springboard, please visit their web site at http://www.springboard.org.







Treasure Coast Law Firm Launches Online Consumer Initiative for Debt Relief


Port St. Lucie, Florida (PRWEB) June 02, 2012

The Law Offices of Drake Ozment and Associates announced it has launched a Web-based consumer initiative to help people find meaningful, local debt relief legal information and assistance.

The firms newly redesigned Web site contains practical information for those seeking a Chapter 7 or Chapter 13 bankruptcy attorney, as well as advice for businesses on the brink of closing their doors.

The number of bankruptcies continues to rise each month, driven by unemployment, foreclosure and credit problems, said managing partner Drake Ozment. These are real people with real problems who may not know where to turn. We can offer them accurate information on their options.

The firms online initiative works by streamlining the Internet search process and making relevant information easier to find.

We want to reach out to individuals and businesses who may be struggling not only with debt but with where to find answers, Ozment said. As a debt relief law firm, with service in both English and Spanish, we can offer a free legal consultation to get them started.

The firms revamped Web site makes it simpler for people to find practical legal information close to home. This is achieved through improved, geo-targeted keyword search methods. It is designed to cut through the clutter of inaccurate information and irrelevant search results.

Bankruptcy law is Federal law, of course, but people need a local attorney whom they can trust, open up to, and get excellent legal advice from, Ozment said. There is also information that applies specifically to Floridians.

In Florida, a bankruptcy lawyer may be able to help someone postpone or eliminate foreclosure through timely filing under Chapter 13 of the Federal Bankruptcy Code. The firms online initiative will make it easier for struggling homeowners to access relevant information.

The Law Firm of Drake Ozment and Associates has counseled or served more than 20,000 Treasure Coast and Palm Beach County residents for more than 20 years. The firm offers free debt relief consultations in addition to bilingual service.

The economy has taken a tremendous toll on people in our area, Ozment said. Our firm never forgets that these are our neighbors, relatives and friends. We have always sought to be a champion for consumers, and our redesigned Web site is a meaningful part of our outreach.

For media information, call Drake Ozment at 561-689-6789 or 888-328-5090

http://www.drakeozment.com/default.aspx







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