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497 Hooksett Rd. #105
 Manchester, NH 03104 
Phone: (603) 685 4301

In the News

A housing relief program with policies that 'throw people into the grinder'

Amal and Rizkalla Kamel survived the housing crisis and the recession with their home and finances intact; their personal collapse wouldn’t come until 2012.

That winter, Amal suffered two heart attacks in two months, drastically reducing his ability to work. At the same time, Rizkalla lost her job at a gas station. Then everything really started falling apart. A year later, the family found themselves $36,000 in debt, spending what money they had on a lawyer they hired to help them avoid losing their home. They filed motions against their bank, but they had another nemesis too: the Kamels were in court battling the very government relief agency that they had turned to in hopes it would save them from their mortgage troubles.


FTC: Group surrenders $3.6M to settle fraud claims

NEW YORK -- The Federal Trade Commission said Tuesday that a group of defendants in Florida have agreed to surrender assets totaling approximately $3.6 million as part of a settlement agreement related to an alleged mortgage relief scam.

The defendants also will be permanently banned from providing mortgage relief and debt relief services to consumers.

In 2012 the FTC charged 11 companies and five people with running an illegal mortgage relief scheme that operated under various names, including Prime Legal Plans. The action was part of the Distressed Homeowner Initiative, a multi-agency federal enforcement crackdown.

The FTC said that the mortgage relief scheme used a fake nonprofit called Reaching U Network and several other companies to lure consumers with false promises that enrollment would save their homes from foreclosure or result in lower mortgage payments. The defendants charged consumers as much as $750 a month in illegal advance fees but offered little or no help.


Regulators Are Encouraging Shadow Bankers

For every action there is an equal and opposite reaction. This is certainly true of banking reform. Like squeezing a water balloon, regulators have pressed hard on traditional banks in the wake of the financial crisis, only to force demand elsewhere. The other side of the balloon is swelling, with all manner of nonbank entities rushing in to offer services that fill the demand – from alternative consumer options like payday loans, online lending and other small-dollar credit to commercial financing provided by business development companies, private investment funds and other shadow bankers.


Mississippi AG's suit against LCD screen makers may remain in state court, SCOTUS says

 U.S. Supreme Court

A lawsuit against makers of LCD screens filed by Mississippi’s attorney general is not a “mass action” that may be removed be the defendants from state to federal court, the U.S. Supreme Court has ruled.

The suit, which claimed the defendants formed a cartel to restrict competition and raise prices, had sought restitution for Mississippi citizens who bought LCD products. But the suit was not a “mass action” under the Class Action Fairness Act of 2005 because the state is the only named plaintiff, Justice Sonia Sotomayor wrote in a unanimous opinion (PDF).


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Company Contact

Stellionata Consulting, LLC

497 Hooksett Rd. #105

Manchester, NH 03104

Phone: (603) 685 4301

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Chain of Title

A few years ago, there was a lot of media hype about "producing the original note." There was almost equal response from the mortgage/foreclosure industry that the original note wasn't important and that reasonable facsimiles that were attested to as being "true and accurate copies of the original" were/are good enough to demonstrate that the current "bearer" of the copy is the rightful note holder and, therefore, has title and interest in the promissory note and has legal standing to foreclose.

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