These videos are designed to educate viewers on Ohio criminal law. These videos are not intended as legal advice. Please consult a local attorney regarding your specific situation.

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http://wwwMMALaw.com 800-724-1876 – Houston criminal defense lawyer Mario Madrid talks about expungements and how an attorney from the firm will be able to assist you with clearing your criminal record. If you would like to call the firm and discuss your criminal record and how you can get it cleared then you should call 800-724-1876 and speak with a member of our legal team today.

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In this video, immigration attorney Andy Semotiuk explains what happens if you attempt to enter Canada with a criminal record.

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http://RealEstateMarketingThisWeek.com – Part 2 – Were just going to go ahead if we could and just jump right into the short sale information. Jeri, again thank you so much for taking the time to be with us. What is the name of your firm?

Our group is Dream Vesting Group and our brokerage is Keller Williams Arizona Realty.

So that is great, licensed agents with Keller Williams and I know the two of you and I know of your history and we will talk a little bit more about that, but you have been working together for awhile. You and I had a chance to speak about the short sales and your success rate, very, very impressive proven results always helps. So the natural first question for those that are listening today. What is a short sale exactly?

A short sale is a property sale where the bank or lender agrees to accept less than what is owed to them. So the bank is agreeing to take a loss on the sale of your property, and I like what you said earlier about not trusting a loan modification or a short sale to just anybody, you definitely dont want to be the guinea pig and you dont want to approach the bank yourself and ask them to please take a loss because you need to sell your home.

And that is one of the things that is funny nowadays. I know people have seen them pop up all over the town, the ugly yellow bill boards all over the place. Advertising on the radio about loan modifications and they have 100% success rate, all kinds of these different things. The same thing with short sales, you actually have a process and you have a lot of experience doing it, you know the ins and the outs and this isnt a part time job this is a fulltime job.

Absolutely is a fulltime more than fulltime job, the last three Sundays I have been on the phones with lenders when they are open, one of them has a call center in India. I have been on the phone from 10 oclock at night until Midnight and again at 6am with the same lender trying to stop foreclosure.

Well that is good that you have the time, Take the time to do that. I am sorry that you have to work that many hours but you know Kalyn, is it not true that the sooner we get through all of these short sales and loan modifications the better off were all going to be anyway right?

Absolutely, a lot of people ask, what does it take? Who should be considering a short sale? If youre late on your mortgage currently, if your mortgage has adjusted, if you can no longer afford your monthly payment, if you foresee yourself not being able to afford your monthly payments, any of these instances plus several more, you should definitely be sitting down with someone and talking about your options which would be most likely a short sale or loan modification.

Yes the last thing anyone wants, and I mean anyone, is a foreclosure, that is the last resort. Nobody wants a foreclosure; you dont want it on your record, you dont want to have to deal with that. Its a very public event, a foreclosure is, the banks dont want you to foreclose and that is probably why they are so willing to work with you would you say? Absolutely the banks dont want the home back no matter what they tell you.

Exactly and on the loan modification side people try on their own to do this and its true that people can actually do a loan modification on their own but there are so many pitfalls and its just not something you want to try on your own. Surely you dont want to try a short sale on your own. So Jeri let me ask you this, what are some of the main objections?

The main objection that we hear from most of our clients is the cost to them, they already cant afford the payment on their mortgage or they wouldnt be in that particular situation 9 times out of 10 and so they are concerned about cost. Most people have already resigned themselves to the fact that they are losing their home and they dont want to spend any more money on it.

The good news is in a short sale you dont have to spend anymore money, all of the costs are absorbed by the bank. They agree to lose more money basically, so there is no realtor fees and the majority of the time we can negotiate an as is contract so if there are repairs that need to be made they dont come to you and ask you to do it, its just factored into the cost. So its very effective for homeowners.

And again it keeps them from going into foreclosure. They get to stay in the house and they get to save whatever is left of their dignity, some people take it very pride fully as well. So Kalyn, the second most common objection is?… http://realestatemarketingthisweek.com

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http://www.shouselaw.com/nevada/sealrecord.html (702)-DEFENSE A Las Vegas lawyer explains the waiting period for sealing / destroying Nevada criminal records.

During these troubled economic times, possessing a criminal record can sabotage your efforts to get work or be approved for a loan. Even if the incident was as minor as petty theft and it occurred years ago, a criminal record will still prevent you from being considered for certain jobs, credit lines and public benefits. Now more than ever it’s critical that you have your criminal record wiped clean so that you won’t be at a disadvantage if and when you find yourself looking for employment or seeking financial aid.

criminal records can’t be erased completely, but if your conviction was from a court in Clark County (Las Vegas area), Nevada, it may be possible for you to have your records “sealed.” This means to clear and remove your Nevada criminal record from public view. On this page, you will find information about sealing criminal records in Clark County, Nevada.

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http://www.shouselaw.com/nevada/sealrecord.html (702)-DEFENSE A Las Vegas lawyer explains how sealing / destroying Nevada criminal records can help you get a job.

During these troubled economic times, possessing a criminal record can sabotage your efforts to get work or be approved for a loan. Even if the incident was as minor as petty theft and it occurred years ago, a criminal record will still prevent you from being considered for certain jobs, credit lines and public benefits. Now more than ever it’s critical that you have your criminal record wiped clean so that you won’t be at a disadvantage if and when you find yourself looking for employment or seeking financial aid.

criminal records can’t be erased completely, but if your conviction was from a court in Clark County (Las Vegas area), Nevada, it may be possible for you to have your records “sealed.” This means to clear and remove your Nevada criminal record from public view. On this page, you will find information about sealing criminal records in Clark County, Nevada.

Duration : 0:1:8

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http://www.shouselaw.com/nevada/sealrecord.html (702)-DEFENSE A Las Vegas lawyer discusses the process to seal & destroy arrest or criminal records in Nevada.

During these troubled economic times, possessing a criminal record can sabotage your efforts to get work or be approved for a loan. Even if the incident was as minor as petty theft and it occurred years ago, a criminal record will still prevent you from being considered for certain jobs, credit lines and public benefits. Now more than ever it’s critical that you have your criminal record wiped clean so that you won’t be at a disadvantage if and when you find yourself looking for employment or seeking financial aid.

criminal records can’t be erased completely, but if your conviction was from a court in Clark County (Las Vegas area), Nevada, it may be possible for you to have your records “sealed.” This means to clear and remove your Nevada criminal record from public view. On this page, you will find information about sealing criminal records in Clark County, Nevada.

Duration : 0:1:39

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http://www.theadvocateforyou.com/ 888-874-2911

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New Jersey Attorney Eric B. Morrell on erasing your criminal record, arrest.

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