What interests you the most right now?

Mr. Geller: I am excited with all that I am learning with you. I've sent you an email ref. the commercial funding and the feedback of the students already working and closing deals with Charlotte Capital. I am very interested in commercial loan mod and have a small team of independent contractors for lead referrals. Would love to work on loan mod that have principal reductions, not the traditional reduction of interests. Looking forward to your response.
Sincerely,
Dayse

IS it possible to buy a home while you have a home in foreclslsoure? due to the bad marketws in specific areas I have found home that I can downpayment by half up front and will any financers finance someone while they have another home, unemployed, and about to face foreclosure on the other home.

I am a short sale guy so short sale interest me the most right now

principal reduction loan mods and who is being successful at processing them…

I want to learn more on Commercial Foreclosures/Short Sales

How to get Business credit and funding for first time buyers who don't qualify under all the change's in todays finance industry.

Richard I would like to see and get more info on Commercial Financing we are running across some pretty atractive deals and I have access to the funds to purchase these deals but the investors can't seem to get them financed on the B to C transaction any advice or input?.

currently short selling a condo with a partner and will want to know more about re-establishing my credit. I understand a short sale does not have as much of a negative impact as a foreclosure and there are ways to restore your credit in a few years after a short sale.

Also-have heard once the bank does short sale the property they will issue a 1099 for the difference in the loan amount and what the property sold for. Is that correct?

Loan Mods

Apartment Financing

Commercial partnerships

I would like to see more of when you get to collections with large credit card debt what to expect. I would like to hear from people who have done what you are telling me to do in the course and have succeeded. Certainly they must have some tips, thoughts and observations that would help me now that I am 6 months past due and continue on this very frightening path. For instance, the credit card companies tell me I will be ruined for more than 7 years and it is worse than bankruptcy. I need encouragement and help.

I'm focused on Short sales on

sgl fam homes, priced from $1M-50M,

& apartment complexes from $5M-50M.

Please advise a company that will do a top notch

job of negotiating w/ the Sh Sale lenders.

I will be the General Contractor, so to speak,

delegating everything except what I do:

1…monitor my next transaction that's ready to close any day, &

2…create the personal relationships w/ the supporting services
that, when functioning properly, allow my biz to run like a well-oiled machine.

Thank you, Richard.

Jim Smith

I would like to partner with you on the Commercial loan mods,I do not have the money right away to get involved, I was in the mortgage biz for 7 years and offer a cost segregation engineering study to commercial property owners,I think the loan program would be a great fit.

Thanks
Clay Bailey

You offer great information and a fantastic program, but I am retired and cannot afford your Program.

Richard,

I want to know everything there is to know about tax certificate lien investing. Not just the teasers, but how it plays out in the real world.

Thanks for asking!

Stan

Richard,
I would appreciate seeing more about how to market the self-directed IRA's, and other ways to make money in finance that isn't being done by every Tom, Dick, and Harry out there. think, "true, genuine nichey material".

Thanks for asking.

What should a credit card settlement letter
contain exactly, so that which is reported on
FICO will be to my advantage.
Thank you

The free course material I want are:

1. commercial lender broker/associate between hedge funds & commercial property developers/investors & small business owners.

2. Conversion Consultant for IRAs to Self-directed Plans.

Richard, thanks for your emails and little information videos. I'm really interested in getting out of credit card debt. My wife and I have around $50,000 to $60,000. in credit card debt and we are in a endless cycle of interest paying. I would really like some help or information on settlements without bankruptcy. Please advise.
Chris

more info on debt settlement

I am a Real Estate Agent, and I will like to get into the investment part of the business, I have a terrible credit so I will like to know more about the credit program. I will also will like to know about the other programs, but the most pressing is the credit and investments.

The IRS is my biggest issue. I didn't pay taxes for 2.4 years which total about 30k plus interest and penalties (terrible explanation of why it happened but it did and I regret doing it). So, I submitted an "Offer in Compromise" (which is a proposed settlement) of $3000.00 by making payments of $127 about 2 years. An "Offer in Compromise" is where you don't have the ability to pay and the IRS allows you to propose a settlement for thier review. From what I've read, only about 16% of OIC's submitted are accepted for settlement. To that extent, I no longer hold that position I was holding when it happened and at that time I was making $59 - $64k/year…..At the moment, I don't even have a job and have recently relocated to Dallas TX and am currently looking for work but havn't found anything significant after about 6 weeks of looking.

I like your credit repair ideas but unfortunately I can't do ANYTHING until the IRS is over with. I would like to work on my credit "NOW" but I can't even negotiate with my creditors at the moment because I don't have any significant income.

Commercial Loan modification program you offered. I'm a housing counselor
handling a large volume of foreclosure. Has a non-profit i'm not making
the bucks. Need something that would increase my income exponetially at
this time.

Hi Richard,

I have followed your information for some time and have been quite impressed. I will continue to purchase your products. I'm currently doing loan mods and one of the biggest items are debt settlement; principle reduction; qualified attorneys for foreclosure defense; 1099-c and cancellation of debt; and credit repair or enhancement.

Thanks,
Tim

We have 75,000 in credit card debt, we have already modified our mortgage. We have watched your videos on debt settlement and our interested in learning the process of debt settlement to completion. Thank you.

I am interested in money making opportunities in real estate with little to no money and where I can really get funds to do fix N flips. If there are good opportunities in the financial markets, I would like to know more about this. I am interested in the best way to make credit card settlements when you owe a lot on credit cards and how to protect your credit as well if you do this. I would really like to know who the contacts are and how to make inroads into the REO markets if you are new to real estate.

I heard you talk before about getting people money to buy or refinance their commercial property. I would like to know about this area and how to market to them and how to get a piece of that loan.

Thank you for helping out!
Keith

Hi Richard,
i am very interested in commercial real estate investing.
apartment buildings, mobile home parks, storage units.
my biggest fear is finding a good deal and then finding the
funding. i am interested in your "commercial funding e-course"
however i do not have the cash to pay for that course.
stephen colburn

Can I sell my house,which has small amount of equity,via mortgage assignment to a buyer ,unable to get bank financing but who has cash for a small downpayment? What are the risks to the seller and buyer? Is this like a"subject to" for the buyer?-

I am currently working on credit card debt settlement and a loan modification. I am interested in either topic in terms of logistics and success.

I'm interested mainly in doing short sales, finding homeowners who need help and how to do it legally in California without getting in trouble with the law.

Hi Richard,

I would like to see anything you have on how to settle cc debt with an emphasis on ways to minimize the chances of being sued, and more specifics of the strategies to follow if you are sued. Also, on short sales I'm seeing lenders no longer willing to agree they won't pursue deficiency judgements. Any strategies to get them to agree to waive their right to pursue would be great.

"….a lot of folks are interested in getting out from under investment properties that are under water…."

Bingo. And funny that you should use the term "under water", since this is also an issue. I have a property that has added problems from the heavy rains in this area over several months. Roof leaks and floor damage, washed out yard.

So the question is: In this market where are the investors who used to buy property that needed upgrades and repairs. There's so many foreclosures, etc that they only look for bargains that need little or no expenditure for repairs.

HI Richard,

I am interested in settling Credit card debt and also how to avoid getting sued by cc lenders. Also would like to know which CC Lenders are likely to sue.. Thanks.

Hello Richard,
I am most interested in apartment investing and obtaining funding to do so.My biggest challenges are proper knowledge on analyzing properties and funding.I intend to be focused on these two areas and appreciate the info.that you pass along.I have been searching for case studies on deals where the structure and math are laid out to see how the deal is actually done this would help greatly.Thank You.
George

Opportunity exists for those with foresight and available funding. I have many lucrative deals, with a triple ROI.
Please see what you can do about Angel Investors or Hedge Funds needing these kind of returns.
Thanks,

I AM INTERESTED IN GETTING OUT OF AN INVESTMENT PROPRETY THAT IS UNDER WATER.

Richard,
I am interested in getting out investment properties that are under water. Am considering foreclosure and have found your free information most helpful.

What interests me the most are principal reductions on loan mods and fixing credit afterwards.

Thanks Richard,
Interested in finding distressed Commercial deals, either note or asset and the places, banks and brokers who are putting them out there. On the internet, the social networks or usual websites banks and commercial lenders use.

My Dear Richard:

Thanks for the opportunity to hear my side. Don't we all wish our government can offer us such opportunity. My wife and I trying to sell everything of value which is not much. If we can raise up to $10,000 by the Fall, we are heading down to Texas where the weather is not this punishing. We must secure a place to stay. A home suitable for people in their 60s and a daughter that just turned 20. I am full of hope and desire, coupled with my handy skills. Richard please play your magic. Warm regards. Charles

how and where to buy bad commercial paper.

Richard in reading all of the above it looks like what people need most is credit repair type stuff.I am in Insurance and it amazing how many people are having their credit just ruined. So credit repair will be a real needed thing int he years to come as once lenders start opening their coffers people will want their good credit back.
I attended your conference call the other night with I forget his name but his internet package and the squeezepage.com deal. I signed up for a trial on the squeezepage.com and now can't get anyone to answer me to cancel my trial membership. Richard that deal looks great but it is misleading as they say you can put it on any website. WEll yes and no. You can but you don't then just go to that site and then have the popup optin box there. You have to go thru the link they provide. DAH! That is no big deal, that being the case you still would then have to have a list to send that link to correct? How does it grow you list when your starting from ground zero? Please tell me how i can reach this guy so i can get my trail cancelled?
If you could come up with a way to teach us newbies how to build our own blogs and websites that a 5 year old could do let me know! LOL> I am techically challanged.

Please send an email to support at homesalerelief.com and we'll take care of you. I think Larry's product is really good, but you are right. Thing is, everything is simple once you understand it, or at least it often is simple.

–Richard

If you take an upside down property using 'subject to' - what would you negotiate for with the lender, a loan mod with principle reduction? I don't think it would be a short sale at that point because you are already the owner of record. Your thoughts Richard?

I am definetely interested in commercial financing opportunities
and also ways to settle credit card debt. I do not
have the fee to start the commercial funding opportunity. Can
you get your fee off of the back end of the deal if I were to
successfully put one together? I understand your refund of the fee
once a deal is put together but it is just hard to come up with extra
cash in these tough economic times.

Thank you for your recordings. I have experience with commercial real estate but have not been able to find conventional lenders willing to lend reasonably on profitable projects. I am learning about syndication/pooling and looking into government-backed programs (but like you say- there seems to be a lot of scams out there.)

I'm interested to find out more about your Commercial Funding Millions program and the Commercial Funding Alliance.

Nope, not so. I have settled with two large banks and following this, all my credit report says is "settled for less" which is better than a collection account. I have yet to try the tactic recommended by Mr. Geller by disputing negative info, but that is next on my list. So far…Mr. Geller could not have been more accurate with what he has recommended. No, I don't work for his company and I have no financial interest in his doings. I am just a happy guy that owes a lot less money to the mean old credit card companies:-)

interested in commercial loan modification course for free. I have leads.

Richard,
My primary interest is how to get the bank approve a short sale in case the owner has sufficient income that allows to continue paying mortgage for the house. Let's say he can continue making payments but he prefers to get rid of the property and make the bank to accept the loss. What if the income apparently is high enough but the owner still does not want to continue paying? How to convince the bank to accept the loss in such scenario?

Thanks for the information you have to offer.
my main concern is Private Money Lenderes to acquire property[s] quickly; My JV's will not fund without "C" buyers with a loan in place, so far all my "c"'s have had issues. private Monies will allow me to acquire and hold until funding can be arranged. I lost $3.2m ARV in properties do to funding issues. I currently have 223 properties under contract, with ZERO funding in place, will probably loose them also. I have access to 5000+ (unlisted) REO's to make offers on;however, without funding available what's the use?
Best Regards
Jeffrey

Commercial properties that can't be refied in spite of cash flowing, commericial shorts and discounted commercial paper are among my primary interests at this time even though my credit is currently so poor I'll have to find some creative deal structuring to get in without any of my money. Anything that builds on the commercial segment of the market that can be done with little or no funds is of major interest at this time. Whatcha got that we can use? Thanks in advance..Sam

Hi Richard,
I'm interested on learning on doing commercial foreclosures, not using my own money and hands on experience.

My wife broke her shoulder, surgery next friday, medical bills are going through the roof, and house is seemingly domed to foreclosure. Value is around mid-$400,000 with a mortgage over $715,000. What to do now?

Hi Richard, Your info is very valuable, I'm most interested in finding out honest, ethical companies that have successfully negiotiated principal reductions in loan Mods

Hi Richard,

More on MERS loan settlements. I have a MERS mortgage. Darned if I can figure out who really "owns" it. Servicer won't tell me.

I need to get with one of your qualified loan mod breakthrough specialists.

Many thanks for all the great info!

I want to know about suing the banks for not following mortgage laws and getting houses at a lower settlement price. (Settling with the Bank for real short money)

interesting in buying residencial forclosure and woul like to how not to use you own credit Thank you

Hi Richard - I want to know about the loans on commercial (mostly apartments) that are having trouble refi'ing. I'm also interested in any network that proposes we find our own financing solutions rather than use banks. Thanks

I want to know how to go about getting more commercial funding customers, locating business people in need of loans or re-cap. I am reaching out as proposed but pickings have been slim.

We all need a system we can use to make some money NOW! (next 90-180 days).

Problem 4 you is: so many varied interets.

I need access to some financing to buy & flip REO's, so many Investors have signs on street corners. I've looked at some houses. Nice ones going for $50k-$75k.
Just unbelievable. They sold for 3 times that just 2 years ago.
Decent Duplex near a University went for only $100,000, only needed $5,000 Rehab.

I really need someone to partner with. I've been here in Orlando 9 months, but busy, little time to meet other Investors/Rehabbers.

Info on the financing available to flip small commercial, and more Short Sale Info I guess. I'm trying to learn more about them all.

Thanks for all you do for us. Your right. The more free education and resources you provide, the more persons will like your services and remain loyal in the long run.

Josh in Orlando

I am a guy trying to learn as much as possible so Commercial interests me the most right now. I have not got to deep in real estate but commercial real estate tickles my fancy.
I wont to thank you for what you do its grate
Timothy G.

I need information dealing with HSBC, which is not an American Company. I am seeking a Loan Modification, and possible principal reduction. I really need an interest reduction as well.

Bad Loan from the start.

Hemp!!

Richard,

I'd like to get professional training as a forensic loan audit specialist and to provide such services for those homeowners that are upside down on their mortgage. The webinar series you were offering seem to be exactly what I need to get the necessary education. However, I haven't been able to afford it yet.

I am primarily interested in money making opportunities. I have developed a lot of real estate and have built many homes and apartments. I would be interested in distressed apartment buildings where the opportunities are the best, and have corrected many smaller ones in the past to increase cssh flows

I am most intertested in commercial financing, loan mod, private money source, or anythign related to commercial meltdown that is win, win for everyone. thanks, carol

marketing for short sales! I have the commercial course and its an unbelievable resource!

I'd like to see a video on the buying REOs directly from the lender. Also determining values and what to offer. I'm usually going 70% of ARV and I'm not getting many bites. Maybe that's too low.

Richard,

I would like to work with your ecommerce guys to increase advertising revenue on our YouTube channels. If we earn enough revenue with online videos, blogs and web pages…. we can give away help online… raise legal funds,hire lawyers, and win litigation for borrowers harmed by bad mistakes and lies by lenders and collection agents…. Investors can invest in the fatter torts… this will bring pressure to banks and collection agents to negotiate in good faith… what do you think ?

sy Mike jaeger Live

Hello, Rich,

I have experience in real estate and mortgages. I'd like to learn about arranging private equity or hedge fund loans for commercial properties. Thank you.

All of the above.

I would like to know how to get a loan mod principal reductions on fha loan for my self.

I am interest in knowing more on how to negotiate with the lenders , when doing the Loan Modifications.What is working for some more than others ?

Hi Richard, i have several investment properties in Orlando "deep" under water and just want to get out from under them without the possibility of deficiency judgements down the road. How to negoiate this in writing with my lenders. Thank you and keepup the good work.

Tax issue–I have short sale my second home for 200.000 ,i owe 400.000 what are the tax consequence ? what advice you can give me?
thank you

Would like to see more on short sales and commercial funding

I am 6 months past due on my credit cards and not sure what to do next… I have limited income which is making it extremely difficult to settle with the CC companies…Thanks Richard

I would like to see what approaches I can use with the bank and how I can improve my negotiating skills. I'm tired of having to deal with bank customer service gate keepers. They are truly robots that say the same thing over and over and you never get the same story. I just want to help people get their credit card debt down but the robots are not listening to what I have to say. It is a one sided conversation. Yup that is what I'm looking for Richard. I truly would like to help people break the communication barriers.
Thanks Richard for helping people make a difference.

I used to work as a loan mortgage officer, make money, but everything is different now, I have so many financial problems, but I am helping a lawyer with laon mod. I need to work on my owm, doing loan mod in NJ. FIXING credit.being forencic loan audit.

I am interested in in finding ways to be able to purchase apartments when your fico score is bad. I have a couple bank owned apts I am interested but can't find any money bakers to persue this

I'd like information on self-directed or check book IRA's and more on improving FICO score.

I WOULD LIKE TO LEARN MORE ABOUT APARTMENT REOS AS WELL AS GETTING BUSINESS CREDIT AND PERSONAL CREDIT REPAIR THAT REALLY WORKS

Hi Richard,

You have a lot of great suggestions from you subscribers.

I would agree with commercial loan mods and I deal with Bulk REO. It's always good to have more input and ideas.

Any info on walking from homes in Fla (a deficiency judgement state), where we hold other property, would be most helpful.

Also, do you maintain a referral list of quality, reasonable loan mod specialists?

I would like to know more about the upcoming HAFA program and what the impact will be. Will the banks require homeowners to apply under HAFA for a short sale or is it only voluntary? Can the homeowner pursue a non-HAFA short sale? What are the pros and cons of the HAFA program for homeowners? How will the HAFA program affect the ability of investors to buy short sales at wholesale prices? Will HAFA just be another political publicity stunt like the HAMP program?

Hi Richard, I'm interested in finding a way to buy a new house for my family after I had two forclosures on my credit.

I need some start-up capital or credit.I want to get into direct REO's and certain commercial real estate.I'm in Orange County, Calif. if anyone wants to partner.

I am interested in Credit Card Debt settlement.

Do not understand government's reasoning with citizens who are losing their homes due to job loss, economy, property re-assessed values of homes being less than what people owe on their mortgage…putting citizens out on the streets because developers, lenders, etc. got greedy during that time. Why do citizens who have been through a short sale have to wait two years to buy when retirees who've owned a home for a lifetime now must wait to, again, buy a home????? Lenders are not working with loan mods. The credit card game and fico scores are a joke and also giving away homes to 1st time buyers???

Yet, if you are an illegal, government is giving families money for housing, food, healthcare, education, along with the costs to house them in our prison/jail systems, gang warfare on our streets, on and on… Government is not doing enough with border security and this is where our budget deficit lies…and this should not be a losing battle. Middle america continues to be left behind. Housing needs to start moving in the right direction.

I am currently implementing your Credit Card Relief Formula strategies but would like to know more about Loan Mods, primarily principal reduction. The house in which I live is jointly owned by my mother and myself. The house was purchased in '05 and has a first mortgage for $325K. The loan was a "pick-a-payment loan and we've been making minimum payments. This has driven the amount owed up to approximately $350-$360K. The home's approximate value as of this writing is in the $175-$200K range. Principal reduction information and strategies are what I'm most interested in.

I want to know more about Project X

Mortgage help
It seems that people have been hit the hardest in the mortgage area. Credit cards add to this area of the household financial situation. Our mortgages are, by far, the largest portion of our debt. Those who had a mortgage obligation barely being met, are now defaulting on them because they lost their jobs. Those who lost their job, and this is the REAL problem, won't get help from the lender because the lender sees that the borrower doesn't have the income to debt ratio needed to pay the 'offered' loan mod.

The question needed answered is, "How can I meet a deal with the lender when I don't have a job?"

Thanks for listening
Kris

Hi Richard, I am interested in settlng credit card balances. Also would like how to find out if i am personally responsible for a business credit card balance that is now in default. The business is now closed. Any information you could give me would be greatly appreciated since i am in the process of settling multiple accounts.

richard,
thanks for all the information previously shared. my particular interests are in all things commercial. i have 4 young boys and would like to have a girl. but of course this will require much more moola. please share with us information regarding:
a. how to find apartments in foreclosure or struggling financially that might benefit from a workout
b. marketing strategies fliers, letters… for SDIRA's
c. marketing strategies for finding commercial properties in foreclosure
d. senior living facilities that require commercial loan assistance
e. HAFA - how does it affect us? how can we as investors take advantage of it?

thank you so much for sharing your knowledge which helps us to attain wealth.

richard,

one other thing i'd like to see is a forum where people can give their testimonials regarding what line of business they are engaged in and the success and or challenges they are having. it would be nice if these could be categorized, i.e. commercial loan mods, commercial short sales, commerical foreclosures…

thanks

I am interested in buying and fliping residential properties,but I need your funding people for residential and comercial funding.

Principal reduction and loan mods, beginning with my own home with 2 mortgages and a HELOC. All my loans are performing, but I am looking for relief with college costs on my horizon.

More on Commercial Funding Millions, commercial short sales and commercial debt re-capitalization.

We received a loan mod from WAMU/Chase. Not the best they had to offer but as long as I'm on unemployment, which will be another month, we could afford it. Since then my spouse has had yet another reduction in income and we will have to foreclose on our home. We are 60 years old with only a small retirement left. We need to know if there is a future with a home for us. We have a second property with a building on it that requires work to be considered a home. Both properties are upside down and we have mounting credit card debt. We would file a chapter 7 but we have too much income to keep the 2nd property and we don't want to loose it. Filing chapter 13 would allow us to do a cram down to reduce the principle on the 2nd property but would not allow us to withdraw money to make the repairs to make it liveable for 5 years. There is something called Special Circumstances under the 7 but I wonder how many people are approved for chapter 7 this way and have kept some of their property? We need to own one of our properties free and clear to make it through to mid year and beyond. The 2nd property is the least expensive and it would keep a roof over our heads. We have been battling this situation for four years. We both have serious health problems now. We would like to stop the madness and get our life back. Who can we trust to advise us? I don't think it is a bankruptcy attorney who thinks we have a 60% chance at the Special Circumstances. I think he wants the little money we have left to live on. With 25% of homes going into foreclosure, many more people filing bankruptcy, how will the economy survive when these families cannot participate?

I'm interested in debt settlement/negotiations and getting business credit.

Principle reductions on Loan Mods. I need to modify my loan. My loan balance is in the $600,000 range but worth only about $250,000.

As you probably know, the banks are winning the political battle in California and have got our legislature to make getting paid up front to do Loan Mods tricky even for attorneys. And performing Short Sale Negotiations for others for a fee also requires a real estate license. I would like to know about whether the tactic of Delaying the Trustee Sale by requesting that the Trustee provides documentation regarding their compliance with the Fair Credit and Other Federal Acts is a viable way to help people stay in their home… And whether using this delaying tactic could serve as a way to get the lender-noteholder to realize they have a savvy borrower to deal with who could maybe delay the process by another year or more…. so maybe the bank's interests are in not foreclosing and instead they might try harder to get a fair deal done.(Companies such as ASND are offering this type of service…what do you know about them or others ?)

I would like info on modifying my existing mortgage.

1) Financing with little downpayment for Multi-family and commercial properties.

2) Commercial short sales and loan mods.

i;m in the process of loan modification now, i paid the fee which was 3000dollars. but then they want to charge me again 1995 dollars for transfer to a different lawyer. can they do that? thank you so much richard.

Thinking about going in to the credit & collection business, I would be interested in credit and collections if you have anything, would like to know how to help people repair their credit and purchase fix/flips houses. however I am currently unemployed and would have to wait to purchase houses to fix/flip.

Richard, It's very interesting and insightful reading thru the concerns submitted here. What I see here is a lot of interest in credit card debt settlement, commercial property investment and funding and principal loan reduction and credit repair. Credit card debt settlement and commercial property funding along with REO contacts would be very helpful.

I am interested in this as well and find I am having some of the same
challenges.

credit card settlement without paying IRS the difference and loan mod woth principal reduction

I find many of the requests above very interesting.
My current hot topic is learning the best approach to deal with the Notice of Default I've just received on my 1st mort. I was laid off at the end of 2009 however my wife works so we do have some income & unemployment insurance until I land my next job. I am looking at probably doing a forensic audit so I may have something to bargain with. Then I also have the Second mortgage holder to deal with (this was an 80/20 loan in Aug 2005). House value has dropped from $600k to approx $520k based on comps with $480k & $114k outstanding debt. I'm trying to be realistic about what we can hope to accomplish if we have grounds to litigate, I don't want to keep paying for something that I can't afford nor do I have any hope of near term appreciation. My biggest concerns here are - my ego of letting the house go and the major headache of moving if we determine it's the best course of action. So, to make as short story long, I need to find out where/how to find both a good forensic audit company and more importantly a good reputable attorney we can trust with experience in the consumer RE arena in the Los Angeles area. I've learned a lot from your Loan Mod Breakthrough webinar sessions I purchased however I'm wondering if I should have purchased the Mortgage Relief Formula course? Thanks for all your work compiling all this valuable info!

it would be nice to find a money partner…my son and myself flip houses and well to move into the next one with a investor would be a good thing for us…to not really have the finished one sold yet……..and i woul dlike the chance to teach an investor how to make money tax free without selling the house

Richard, I am available to help answer questions for your homeowners on modifications and give them some insight as to when a modification with principal reduction is considered by the investor and lender. Principal reduction modifications are rare but they do happen if the value, income, existing payment, program and other variables line up.

loan modification and principal reduction is something that interest me .ethical and honest company or people is hard to find . the credit card deals sound good with a new corporation ,but i think the guy is asking too much.

I am looking for a partner and agents/affiliates for my new loan modification company. We are offering clients access to do-it-yourself loan mod system online for as low as $9.97! We of course have upgrade options.

Richard, I would like to see somebody (mentor or guru) come up with a program where the student learns on the front end, then pays the (mentor or guru) on the back end when they do a deal, whether it be a percentage of the deal or a flat fee.I know everybody says you have to have "skin in the deal or you won't do it" but i disagree. This would open a door for a lot of us in this current economy who are willing to put forth the effort, but may not have the financial means to afford these high priced courses. I don't know of anyone doing this,but i think it could be done and i'm sure it would bring you a whole lot more business.

Too late for me. Condo was foreclosed. Found out after the fact the lender never responded because the loan was backed by Freddie Mac. So no skin off their noses.
I owed $193,000 and now selling for $95,000. I think you have done a great service to many folks out there who were caught up in a maze of no way out. Thanks for your efforts. You can drop me from your emails.

When I do a commercial short sales, how can I get letter of fund and real funds? Also trustable funding sources for short priod of time for double escrow closing.
Richard, I'm go to the Izzys every Sunday more than 20yrs now.

Fixing my credit and dealing with cc collections. Was victim of predatory lending on my mortgage. The bank was supposed to pay all my cc's…did not. Was forced to short sale my house, lost my job (can't afford to buy anything right now except food, shelter, etc). I did report the bank to the OCC. My credit is trashed.

Hi Richard,

I want to learn enough to be able to submit a case on the commercial lending from hedge funds for free, cuz at the moment I don't have enough money to pay you for the full training. I'm working on that and would use earnings from your training to purchase more training. I've got a deal, you have the knowledge of how to make it work. We both want to make more money. Keep the info flowing on how I can work with you and your ideas.

I agree with Steve. I would like to see a program for those of us who are willing to put forth the effort in a "LEGITIMATE WORKABLE SYSTEM" and would gladly give the mentor a larger back end payment, when we actually do a deal.
I am sick and tired of paying for courses up front that are all theory and no practical, usable information or don't give you an actual workable plan unless you buy the next secret, advanced, level.
I know the current internet marketing model calls for giving away a lot of information that has a HIGH PERCEIVED VALUE up front and then leaving out key components in order to lure us into the "UP SELL" but it would be a refreshing change to find somebody who actually makes their money doing Real Estate Deals, and would like to partner with us to do more deals, instead of making their money selling "Get Rich Real Estate Info Products".
Someone who is actually interested in helping us grow as people instead of fleecing us like sheep.

I would like to know who is the "watchdog" overseeing these lenders who are doing mods? It seems the lenders are taking there sweet time in approving loans and always asking for more data….and are they receiving any stimulus money while people are in the trial programs?

DOING COMMERCIAL REAL ESTATE DEALS OF ALL TYPES, AND RESIDENTIAL DEALS.

Combination of getting combination of getting more involved with commercial lending, and business credit.

Mr. Geller I am really interested in a loan modification on my home although I have been following you for quite sometime now and you are very educated. I try to get to my emails at least twice to three times a week although my work schedule makes that kinda of hard but I make sure I read what you send out and I greatly appreciate everything you send. Thank you very much for the information. Any and all information you send is greatly valuable to me. I am trying to get out of debt, I desperately am working very hard to keep my home first of all, getting out of debt is second. Any information you provide to help I will follow. Again thank you very much Mr. Richard Geller.

Respectfully,

Adra Ramos

I am taking a course called ETFtrending, and was referred to your webinar on connecting hedge funds with commercial property refinancing needs…I was interupted in the webinar and was told it would be rebroadcast on Sunday, Jan 331, and that I would be notified by email as to time. That never happened, and I would like to listen to the webinar with my husband. Please advise.

Sounds like the market I have been looking to get in myself. Let me know more. You should certainly get significant hits on this one. Personal time is a major problem I have found as potential client are just scared, no confidence, or plain lazy. I'm sure there are several other catagories., but I've seen plenty of them.

Give me an email on your contact information. would be seriously interested.

Thanks,
Jerry

I read a comment above where one person said about buying numerous courses with little or no value. I am sure many will agree with that fact. There are too many "gurus" out there pushing stuff that is absolutely worthless. Anyone wishing to know about them can email me.
My area of interest is multi family: I want to know where to find deals, short sales, foreclosures, owner financing; funding sources; deal structuring etc and we can talk.
Thank you for your help if you can help.

Credit forgiveness, judgements etc, etc

Hi Richard,

I know you can't work miracles but sometimes people get so much information(by the way, all of yours appears to be really good)on various moneymaking programs that they get stuck in analysis paralysis and can't decide what real estate program would be a great start for someone without alot of real estate experience or money. Put yourself in the shoes of someone like myself who:
1) Has little money due to being laid off recently
2) Requires very little to get started and easy to understand
3) Does not consistently take a long time to start making money (Example: 60+ days)
4) Can be worked part-time until you learn the ropes but could replace a regular 9-5 job
Where would you start or which program would you choose Richard if you knew you only had one chance to borrow the money to participate in one of the many good programs you have listeners too. Look forward to hearing your thoughts on this.
Sincerely,
Erica

–Richard

My lender took five months to do my loan modification and then reported me late for five months which ruined my credit. I tried to get it erased but can't. What can I do?

Interested in loan modifications that work. Banks just seem to be playing games and not truly working towards a settlement.

Credit card debt reduction!!!!! Dealing with credit card companies to be able to skip the debt reduction companies!!!!!!

I'm very interested in Loan Mods and credit improvement after short sales and if loan companies are going to start coming after people for thier 2nd's.

I agree with the "give people what they want" part.

I suggested in previous correspondence that reasonable terms would make you more money. no response.
I requested January's credit seminar contact info twice…again no response.

I believe that you have to provide easy, closed systems without intensive fees, that leave the money on the table for the investor.

Since the majority of your investors are starter investors,you have a duty of care to protect them from harm. Now, I believe that you must find a system that keeps your investor from offerings that could breech that duty of care.

Hi Richard,
I recently purchased your Commercial Funding course. It is a great course!
I would like to get into action as fast as possible.
I would like an opportunity to partner with you on deals that I find. I would be more than willing to share my profit for more one to one mentoring. What do you think?

I would also be interested in a mortgage settlement course.

Hello Richard, I would like to know more about "Commercial Short Sales" and how to fumd them.

Wondering why my bank/lender can change my account terms at will when i created a legal arrangement at time of creation of cards/checking/savings ect..However i am held by contract when i signed mortgage loan terms.? I signed under the pains and penalties of perjury and am bound by the document.But a bank is not.?

I'm looking for info on credit card debt primarily. I'm open to info on owning my own business, too. I couldn't get back on to purchase with my email when I came back to do so. So, I used a friend's email on the second try and purchased your e-course requesting that it be sent to my email. I think I'm all set with ordering your material????

Well, as I Had spoken with you about before, I still would like to learn more about and get involved with COMMERCIAL FUNDING. But I was not able to afford the course. Does your offer still stand? Looking forward to learning more. Put out some feelers and have had a LOT of preliminary interest, but don't know where to go from there with it, without more education and how-to information. It's all new to me. But I need a new, dynamic small business, something that I can started in and work up quickly, and that doesn't take a lot of up-front money.

Thanks Richard, for all the information you share.

Richard looking to more info on Providing Loans …there is terrible shortage of available funding for both residential and investment properties. Many deals are failing or lost due to lack of funding.. this is across the country.

As usual Richard. Great content. Follow you every day.

HAFA…DON'T FALL FOR IT.

Just 1 good commercial deal that will cash flow and replace my JOB. I'm so tired of corp jobs that leads you nowhere and yet still broke. It seems like we're working for our creditors. Help us Richard to find this deals and change our lives.

I'd like to find Private Lenders quickly for long & short term Commercial & Residential deals.

I am trying to find the best ways to build an investor list, fast.
Also, I know that alot of the articles and books I've read talk about doing lease options on single family houses. I am looking at a 2 flat right now and want to find out how I can structure a lease option to purchase the property. It currently needs a new roof and a back porch.

Thanks

I'm in the last month of settlement, so any help with DEBT SETTLEMENT at CHARGE OFF.
Chase - 30%
Discover - 60%
Citi - 40%
American Express - Sent to collection agency early.

Im looking for;
Int loans in real estate
Business partners

Im looking for int.loans in real estate
Business partners

Best rgds,
John

hi richard,

I have tried to contact you by phone and email with no success. Your information is pertinent, appropriate and timely, so needless to say i agree with and appreciate the markets you cover and the solutions you propose.

With that said - I want to buy your products and use the coop programs you have for some concepts. BUT, I need a list of your available items or a clear offer sheet to pick through and buy them all at the most affordable $. (definately free and clear club). Can you help me?

I am meeting with an investor tomorrow. I need to know how much seed $ to ask for to buy all your products. I need all final detail info. to open the doors.
I'm going to have to wing-it until i hear from you or one of your knowledgable and capable people. My first request from him will be seed money for, predominantly, your family of products and coops.

I was fortunate to find your source of info. almost a year ago, and have read/listened to all of it. Now i want to finalize my service offerings and fee structure. In addition, incorporate any appropriate coop relationships you have arranged for to date.

As for my proposed business concept: A well advertised one-stop source for HONEST up-front/transparent, timely, accurate, information. Then of course, access to "ALL" the available solutions available at the time. This the only way a consumer can make a wise choice that makes sense. Any other way would be reverting back to the same "bad business" practices that got us here. I will approach the market much like you do.

I have extreme depth and value in this project. I have done my homework and have solid financial backround and knowledge, including a BS in Finance. I understand all the areas you cover enough to absorb the big picture and the ways to benefit customers and myself.

I would mucho appreciate your enterprise as a top advisor and confidant, BUT, I can't get a hold of you.

Anyway, i have structured meaningful value added products and services for Retail and Wholesale consumption. I feel i am "on-point" and only need a few good investors that believe in SMART ADVERTISING.

Thanks, and if you never contact me, I'll still read everything you send.

Michael

I feel a one-stop-source for homeowners/investment property owners/commercial-industrial property owners/credit card consumers (RETAIL) and Realators/mtg. professionals/Attorneys/CPA's/Financial Planners/hedge funds/privat money etc. (WHOLESALE)is needed badly for real economic improvement. There is a huge demand for any entity that can smooth the transition of Real Estate from non performing status to performing status. Debt settlement and fico management are also critical. The business entities guilty of getting us in this mess(we are guilty of making bad uninformed decisions too), are simply going to have to give back a couple of trillion, of the Hundreds of Trillions unethically earned over the last decade. These guilty entities across all sectors will participate in this give-back to stay out of serious legal entanglements.

Hi Michael, very sorry but I am just so buried. I have a great team and they help me and I am so blessed. My students demand attention first and foremost. I really appreciate your ideas and thank you and I will try to answer more thoughtfully.

–Richard

I am a short sale guy so short sale interest me the most right now, sorry as well loan modification.

Sorry for the longest post in the world above. But want to stress that we consumers are not without blame getting into too much credit debt and mtg debt. Those capable of paying more than dime on the dollar, say 20% or more, should do that. In Real estate work-out/resolution it's inherent in the process to keep things fair and the consumer has less control over it.

Thanks
Michael

Richard -

I recently found out about the HUD 223(f) Multi-family loans
which feature 35 yr amortization fixed for 35 yrs at approx. 5.25%
you also qualify with a lower DCR of 1.18 instead of 1.25+
and higher LTV's

Perhaps there might be an opportunity acquiring apartment buildings
with this below market financing. What's your view on this?

Larry

Mr.Geller
I would be interested to know about loan modification focused in principal reduction, and about credit card debts what to do with it. Thank you for your interesting topics. I know it will surely help us.

Sincerely,
Nora

I'M INTERESTED IN SHORT SALES and how to protect my assets from bill collectors and lawsuits.

What interests me the most are principal reductions and how I may learn or partner with someone who does forensic auditing.

Thank you

Wayne

Richard, I like your honest and clear explanations, I really understand them and get courage to continue fighting with this "Bank Robers of America's" institutions but as some of the rest, I need tips on what to say and what NOT to say when settleling. I don't think I am the type of an agreesive person I got to be to deal whith this DOGS…. My mom says "For wolfes, there are dogs" but I am not sure… I just stop paying my credit cards for BofA who is the worst.. interests arround 27 or 28%… I don't know what to expect….. Please advise… Thank you…!

Dear Richard,
I'm doing a loan mod with my 1st lender, now I'm in the final stages seems one more week and I'm done ,
but I'm behind 10 months with my second lender, would they foreclose on me? what do I do to stop foreclosure?
What should I do, do you think after being behind for so long ( I already filed for bankroptcy in 2008), they would do a loan mod with me? I've been calling them every month trying to negotiate, but they don't want to hear it because the bktcy case is still open. What do I do to try to negotiTe with them, I need your expertise.

i need money to fund our deals if you would like a partner where i do the work
and we both pr
ofit from it call me if y
ou are interested
thanks for your time

robert powers

Hi! I am interested in how to default credit cards and repair credit after.Also interested on how to deal or wipe out deficiency judgements and taxes after a property was foreclosed. Is bankruptcy the only way out? I thought that by giving up your property the banks won't go after you. Need valuable info on this topic.

I used to live in my house but lost my job as a loan officer. Had no choice but to turn into a rental since I had a lot of property management experince and decided it was best for me to move to my parents home until I could find a job. I am now employed but my lender does not want to modify since it is non-owner occupied property. Also have another investment property that has positive cash flow and some equity. I would like to take cash out to go back and finish my nursing degree but with my bad credit. don't know if this is still feasible. Are there any lenders that will refinance if there is equity remaining? Don't like hard money lenders but maybe for a reasonable interest rate and term.

We have a large family and I run a business that covers (13) counties in NYS. I have a few multi-units one of which is at a stand still for lack of funds to finish the project. It would be of interest to me if you or someone would create a plan where a proposal is made to lenders, criteria is met, collateral was obligated, the loan made and when the project is done the lenders get their money. I am not sure about anyone else but things are just so tight that extra money to dispose of to get a plan in hopes of getting the money you need is just not in the picture for me.

Ted

I am interested in credit card debt settlement, credit repair , and making money via loan mods. Specifically lowering principal amounts. Need step by step blueprints for each. No theory info.

hello Richard!
you have no idea how useful all the information you provide is. even if some of us could be familiar with a certain subject to some extent, is still good to know how others approach the same issue: you can never know all the avenues.
i would like to get back in rehabbing houses/apartments -like i used to before the bubble- but i have no money left, after i had to pay cash for my own townhouse, that was in foreclosure (it's a long story, but after a short sale effort fell through, because of the inspection, the bank -okwen- offered it to me at a reduced price for cash.)
also, my wife has some credit card debt that i'm trying to eliminate the way you teach, same way i did with mine in the past.
i have friends that need help with their mortgage situation and there are probably lots of people that are in their shoes -like i was- and could use a lot of help in south florida, but they don't know where to go and they're afraid of all the scams and are very confused.
i could probably go on and on…
THANK YOU FOR YOUR HELP! peter g.

I am in need for bulk reo to source to my buyer.

Hello Richard,

Would you be so kind to connect me with Jeffery Garvin? He posted the following below and I believe we'd be able to help each other since I am in need of unlisted REO's. Thank you,

Andrew

Thanks for the information you have to offer.
my main concern is Private Money Lenderes to acquire property[s] quickly; My JV's will not fund without "C" buyers with a loan in place, so far all my "c"'s have had issues. private Monies will allow me to acquire and hold until funding can be arranged. I lost $3.2m ARV in properties do to funding issues. I currently have 223 properties under contract, with ZERO funding in place, will probably loose them also. I have access to 5000+ (unlisted) REO's to make offers on;however, without funding available what's the use?
Best Regards
Jeffrey

Hello Richard,

Thank you again for all of your helpfull info. I am very intrested in principal reductions and audits.