Loan Modification Alert Countrywide tightens Loan Modification


Home Loan Modification allows defaulting borrowers to work out new terms with Countrywide, so that they can avoid foreclosure and stay on track. Countrywide began offering the service through their Home Retention Department at the height of last year’s real estate bubble. However, due to the volume of requests coming in, many cases were delayed and resulted in foreclosure. The company hit an all-time low in 2008 and was recently bought out by the Bank of America.

In line with the change, the Loan Modification Department of the Law Offices of Marc R. Tow is also taking measures to protect its clients. The firm, one of the leading loan modification services in the country, will only negotiate modifications with Countrywide for clients with viable cases and those who are in serious financial trouble. Changes are also expected in national Loan Modification policies. While loan modification is still open to borrowers not in default, new laws may soon limit the service only to those in bankruptcy or serious delinquency. This will allow lenders and loan modification companies to focus their attention to clients who are most in need. The firm will continue to help clients with loans serviced by other companies. Besides loan modification, the Law Offices of Marc R. Tow also offers assistance with loss mitigation alternatives such as short sales.”>Homeowners hoping to get a loan modification with Countrywide may want to rethink their options. Countrywide Financial, best known for excessive lending practices that led to widespread defaults, now has so much bad debt on its books that it may have to tighten up its loan modification service.

Home Loan Modification allows defaulting borrowers to work out new terms with Countrywide, so that they can avoid foreclosure and stay on track. Countrywide began offering the service through their Home Retention Department at the height of last year’s real estate bubble. However, due to the volume of requests coming in, many cases were delayed and resulted in foreclosure. The company hit an all-time low in 2008 and was recently bought out by the Bank of America.

In line with the change, the Loan Modification Department of the Law Offices of Marc R. Tow is also taking measures to protect its clients. The firm, one of the leading loan modification services in the country, will only negotiate modifications with Countrywide for clients with viable cases and those who are in serious financial trouble. Changes are also expected in national Loan Modification policies. While loan modification is still open to borrowers not in default, new laws may soon limit the service only to those in bankruptcy or serious delinquency. This will allow lenders and loan modification companies to focus their attention to clients who are most in need. The firm will continue to help clients with loans serviced by other companies. Besides loan modification, the Law Offices of Marc R. Tow also offers assistance with loss mitigation alternatives such as short sales.

Pertinent Facts on Bank Owned Homes


Bank owned homes are popular options for people who want to own properties due to their sheer number. When home owners fail to meet their mortgage obligations, the lender will begin foreclosure proceedings that will end with the ownership being transferred to the lender. And since owning homes is not really among the business operations of banks, these homes will be sold on the market at a price that completes the loan that was not paid.

Banks will try to get the best price they could for the homes they sell but they are very open to negotiations because it is more important to sell of these bank owned homes in the soonest time possible. Considered as non-performing assets, banks need to convert them into capital quickly. If buyers are cautious to avoid heavily dilapidated homes, they may be able to acquire a good home at a significantly reduced price, even at half the property’s market value.

The first method a bank would use to sell a property is through an auction at the county courthouse. If the homes do not sell through this manner they will hire a certified real property broker to sell the homes for them. The property will also be included in a multiple listing service, where more people can see the property. While most homes can only be purchased through a bank appointed broker, some banks do accept offers directly from individuals in some cases.

Making an Offer to Buy

An offer to be made to the bank should have the amount that the buyer is willing to pay, a request to inspect the home, the method the buyer will use for paying and for how long the offer is valid. After the bank receives the offer they will most likely make a counter-offer. This is usually done to satisfy the bank stakeholders that the bank tried to get a higher price for the home. At this point the buyer can make one last offer that the bank can either accept or deny.

One thing to look out for when purchasing bank owned homes is the fact that all these homes are sold as is and the bank will not pay for repairs. So when doing your inspection you should carefully assess cosmetic or structural damages and factor the cost of repairs to your offer. Otherwise buying a real estate owned property is neither complicated nor hard and buyers should not be wary of them.

Making Great Money IS Part of Your Spiritual Path


Every day I run into women who have a huge “giant-size” block when it comes to making great money doing work they love doing.

They range from writers, holistic practitioners, coaches, and speakers to high powered entrepreneurs and CEO’s. They give of themselves and their gifts and yet still charge way less than adequate fees to support themselves and create freedom in their lives; freedom to relax, freedom to live a life they know they deserve, and the freedom to stop struggling and striving every day.

This past week I had the opportunity to speak with many women and it was amazing and inspiring to hear from their spirit the gifts each one have been given and at the same time it broke my heart as I listened to the disappointment and frustration each of them was faced with in earning a living, much less the 6-Figures+ living I know they can achieve. All of them making a difference in the world, yet 95% of them not able to make ends meet.

I was in this same situation not too long ago …so how did I Breakthrough to a multiple 6-figure income?

I realized: Making Great Money IS Part of my Spiritual Path!

Previously I had felt somewhere deep inside that I was doing a greater work and that money was just a trapping of the physical world. That I was somehow above it.

It wasn’t until I lost everything I owned that I discovered how spiritual making great money really is…hmmm…and once my belief around THAT changed, everything began to change.

5 Keys to Up-Leveling your Spiritual Money Mindset:

Making Great Money IS part of my Spiritual Path the Universe wants you to be abundant, stress free, and happy. Your spiritual path is not about struggle, stress, and overwhelm

Making Great Money is Grounding walk your spiritual path with well grounded feet so you can stay in the game of life at a very high level and really make a substantial difference in the world

Making Great Money is Passion expressed and Passion received as you express your purpose and your gifts to the fullest each day you are rewarded financially and living your most passionate life

Making Great Money is Exciting If you’re not making great money you’re not helping enough people. Helping thousands of people is REALLY exciting!

It’s Easier to Make Great Money than it is to Make Less It is easier to find one client and charge what you’re worth, than it is to find 100 clients and undercharge
So let me ask you…If you were fully embracing the belief that making great money IS part of your spiritual path, what would you be doing differently?

Decide & Take Action today!

Entrepreneur, Goal Setting!


Home based business, online business, MLM or if you are in direct sales, you have to be goal oriented to be successful. If you are new or experienced, without a goal the chances are you will be part of the 97% of entrepreneurs that will fail this year. Knowing how to set up your goals, how to break them down will play a major part of all entrepreneur success.

If you are new, you goal may be to quit your job or make enough money so your spouse can stay home. If you are experienced, you goal might be to win a major competition within your organization. Either way, the 1st step is to establish your main goal. The reason is we will work from the top to the bottom to establish a plan of action to achieve your goals.

For the sake of this article, we will use the new entrepreneur as an example. So lets you make $4,000 a month at your current job. To replace your income, you will need to make around $3,500 monthly with your online business. So write $3,500 at the top of a board or a blank piece of paper.

Next we need to figure out how many sales you need to make to create a $3,500 income. So lets say the average sale with your business is $100 and your commission for each sale is $50. So to make $3,500, you need make 70 sales each month which would equal $7,000 in sales and $3,500 in income. Write on your board 70 sales below your main goal.

After that we need to establish how many leads every month you will need to make 70 sales. You find out that your business model average is that you make a sale for every 10 leads (this is just an example) so you will need 700 leads to make $7,000 in sales. Write on your board 700 leads monthly below your monthly sales.

The last step is to breakdown the number of monthly leads into a daily number of leads. So if you need 700 leads every month, than you need 23.3 leads per day. Write 23.3 leads on your board below your monthly leads.

Work with the daily number, celebrate every time you achieve you daily goal with a small reward. If you meet your daily goal, you will meet your monthly goal and first thing you will know is that you will hand your letter of resignation to your boss with a big smile on your face. One last advice, keep your goals very visible to you at all time. Make sure you can see them every day and dont make too much fun of your boss when you quit.

To your success,Ghyslain

First Steps to Take When Buying Bank Foreclosures


Buying bank foreclosures may not look attractive at first since it entails a lot of paperwork on your part and the prospect of dealing with a financial institution that has taken back someone elses home seems daunting. However, you have to take into consideration the rewards of navigating financial and legal hurdles since it is not often that you may be able to buy a pretty spacious house with a garden in a nice neighborhood for half the price of its real market value.

Such opportunities are a goldmine for investors too as prime real estate that are cheap and hard to come by. A tidy profit can be made if you are willing to flex some muscles.

Where to Look for Bank Foreclosures

It may seem very hard to find bank foreclosed properties out in the open, but when you know where to look, you can find great deals on homes and other properties for sale.

Banks may have their own list, but it may be too tedious for you to comb through the whole lot of them separately, especially if you live in another town or state. Your best bet is to look for REOs in listings. These lists are a treasure trove of information and save you a lot of time and effort. These consolidate repossessed homes for sale per location or per state. It is also easier to find the homes you are looking for as you can already do the process of elimination and selection by browsing the list.

Checking Out the Property

Take a look at the bank foreclosures that you are interested in. Inspect the condition that they are in and try to get an estimate on the cost of repairs. Have the entire property appraised or talk to an agent and compare prices of similar homes to see if you are really getting a good deal.

Dealing with The Bank

Try to engage the services of an agent who has experience in dealing in bank foreclosures. Some lending institutions may not be willing to talk with an unrepresented prospective buyer like you and there may be some financial issues that you may not be conversant in.

If all goes well, you can negotiate with the bank for a lower price on the property. These foreclosed homes can also be acquired through cash basis, installment or through lease with option to purchase.

How To Sustain Small Business Growth


Many small businesses often ignore the minor glitches which cause major problems in their small businesses. There are people or situations which we often get used to and ignore, without realizing that they may be the main cause of a crisis situation. You could be strangling your small business growth without even realizing it.

Organizational growth demands updated strategies every quarter. It does not matter whether you are self-employed, running a home-based business or an employer. Leaders have to implement organizational updates every now and then in order to enhance growth strategies and speed up the entire growth process. Some hire help, while others acquire business cash advance in order to progress and expand.

We have created a list of how you can upgrade your growth strategies and take your small business to the next level. Firstly, you should

Remove the outlived
There might be services being offered and products being produced which may not be of any value to your business. You need to make a list of such services which no longer add value to your small business growth and have outlived the market demand.

Re-organize and strategize companys strategic goals
Reevaluate whether your mission statement matches your goals or not. You will know how much work being done is irrelevant to your small business needs and market demand. Redefine your objectives in pragmatic measureable terms.

Distractions and competitions among your employees is another point which should be considered. Other issues may have distracted them from your small business goals. There may be continuous concerns hampering growth among the employees and creating problems in their professional relationship and everyday work.

Create different ways to leverage employee talents
Work efficiency can only be improved by leveraging employee talent in different areas. Set meetings with them; ask them what they want to do and how they can add value to your companys goals. Help them review their skills in order to sharpen them. There might be unproductive or negative employees, but firing them may not be the solution. Hence, move them to positions and projects where their skills can be utilized effectively.

Check the Budget Lists
In many cases you subscribe, acquire business loans, purchase and hire help which may not be required by the company anymore. And all these might be charging you a lot of cash without you even realizing it. To save your working capital, these budgetary leaks should be evaluated and diminished. Conducting a quarterly review is extremely useful, knowing where your money is going will help you fight the unnecessary charges involved and will help you improve your credit score. Check your taxes and be ready for the upcoming TAX season.

Green Investment Trends


If finance experts are to be believed, green investment is still worth despite the global economic blues. Sustainable investment options are set to become more attractive in the long run with the incorporation of the eco-stimulus. Currently, green stocks are showing stable returns on investments and investors who care about how and where their money is being used are opting for the “go green” option.

Investment can be a great way of making money if done in a logical and systematic manner. In the last few years, significant changes have been visible in the interest of investors across the world. Other than oil and gas, interest has deviated to sources of energy as it causes less harm to the environment and society. Thanks to the increased awareness on sustainable investment opportunities, several companies across the world are realizing the importance to preserve and protect the planet. In the form of a contemporary type of stock investment, green investments are becoming popular for the investors who want to use it as a source of helping the earth and the atmosphere.

There is no significant difference in green investment and stocks and mutual funds. The difference lies in the fact that green investment is made in companies committed to conservation of natural resources. These companies are actively involved in producing sources of alternative energy, clean water and air projects and products and services that bring a significant change to the communities and environment.

As far as sustainable investment is concerned, green based projects are the main concern. Even though this movement includes companies that are into other lines of business, organizations that have modified their operations for running environment-conscious business can also be included in it. For the next several decades, green building, recycling and water will be the strongest growth points. Earlier this year when the market was up for 21% in March, market for green stocks rose to 30%. As part of the American Recovery & Reinvestment Act of 2009, approximately 14% is comprised of clean energy and efficiency.

Do You Have What It Takes To Become An Online Entrepreneur


What does it take to become an online entrepreneur you ask? It is not always easy. It takes a serious, burning desire to become an entrepreneur.

I am not kidding either. You need to want this more than anything else. (There are a couple of exceptions to this, but not very many.) >

You need to be willing to focus on the end result, which should be, becoming an online entrepreneur. Will you do whatever needs to be done to accomplish your immediate goal?

To become an internet entrepreneur you must have the ability to ignore all the outside negative words and influences of family and so called friends which are said, not meaning to hurt you, but to in their eyes, keep you from making a fool of yourself or them.

Realize also that most likely, you will have some failures and that these failures will only help you learn.

Becoming an Online entrepreneur also requires the ability to accept that you will probably will be doing the same thing over and over again. After all, that is basically what you will be doing, having financial success doing a certain technique, then repeating it.

Let’s not forget organization and the ability to manage your time. If you are organized, you are more likely to know where everything is, which will in turn, give you more time to work. Time management most likely means that you will have written out a schedule as to when to do everything required for a internet entrepreneur thus saving you even more time.

Becoming an online entrepreneur may sound difficult, but the reward for your stick to it attitude will be more then you could ever imagine. I am very excited to offer you the ability to join me, so read my resource box because it will be worth it.

My name is Samantha Livingston and I am an active member of the millionaire society. Come and join me on my journey to becoming a millionaire online. Just follow me to see how, I guarantee you’ll will be amazed at

Small Business Bank – How Specialized Banking Works for You


If you’re opening a small business, you need a small business bank, pure and simple. Using your regular bank won’t net you the benefits that a specialized banking account can come with. No matter who you choose as a host for your banking needs, you always need to open a new account for a business. Never use your personal bank account as this can make it next to impossible to discern your business income and expenses from more personal sources. Always choose a new account, and look for a specialized bank whenever possible. The right bank will have a deep understanding of your business needs.

One of the most important features of a small business bank is an assortment of affordable banking solutions. Money is usually tight when you’re starting out. You don’t want to have a high minimum amount on your account that you can’t possibly sustain. If you need to make a large withdrawal for business purposes, you should know that you can do so without jeopardizing your bank account. It’s also important that you’re able to make deposits and withdrawals without a lot of fees. The right business bank will work with you so that you can maximize your profits early on.

Small businesses today are far different than what they were in the past. A mom and pop shop used to be a brick and mortar store with an easily-defined address and actual location. Today, many businesses are run online. You could be running your business from locations all over the country, or all over the globe. You can’t always work with the bank down the street. You need a small business bank that will go with you everywhere you happen to be. Online banking, mobile banking, and more are essential for a business banking account. You don’t want to be tied down to one location, and with the right account you won’t be.

When you’re getting ready to open a new banking account for your business, it’s important to take the time to do your research. Look into a variety of banking opportunities to find the small business bank that’s right for you. When you look at other offers, you’re sure to notice where the best deal really lies. It’s important to understand what’s out there so you don’t get sucked into the first well-worded advertisement you see. Compare your options and look for a small business banking account that provides all the services, benefits, and convenience you need to make your company a success.

Foreclosure Tax Sales, Loan Modification, Delaying A Sheriff Sale, And More


Foreclosures for unpaid property taxes vary widely by state and county. Sometimes the house is auctioned off to satisfy the taxes. Other times, a lien or certificate is sold to the high bidder. And in some areas, no sale is conducted and the property is simply transferred from the homeowner to the county or other tax agency. In most jurisdictions, homeowners have the right to redeem their property after the auction for delinquent taxes.

The following are some defenses homeowners can still raise after a sheriff sale to delay or challenge the foreclosure process and auction:

* Irregularity in conducting the sale
* Sale price at auction was grossly inadequate
* Homeowners did not receive notice as required
* Sheriff sale was not advertised as required

Any physical problems with a property make proceeding with a foreclosure much less desirable for lenders. An appraisal, Broker’s Price Opinion, or other type of valuation from a trustworthy source should be included with any workout proposal, loan modification, or short sale request homeowners make if there are deficiencies in the condition of the house.

If borrowers run into a brick wall dealing with the mortgage servicing company, they can go a step above and contact the holder of the loan. Large banks, institutional lenders, Fannie Mae, and Freddie Mac, among others, will often push a servicer to intervene and work out a solution with homeowners to stop foreclosure, modify a loan, or delay a sheriff sale.

Most people think that Wall Street was primarily responsible for securitizing junk loans and unleashing the subprime crisis. In reality, though, over 50% of mortgage securitizations are guaranteed or issued by Fannie Mae and Freddie Mac (two government-sponsored enterprises), or Ginnie Mae (Government National Mortgage Association).

In a mortgage modification or other workout agreement, it is always easier to negotiate down interest charges, late fees, and other unexpended costs to the lender. These are costs the lender has not paid out of pocket, but has instead just tacked onto the loan balance. They can and should be negotiated away.

According to the Truth in Lending Act, homeowners can request their mortgage servicer to identify for them the person or company or organization that holds the mortgage. The servicer must comply with this request.

Sometimes homeowners are able to delay a sheriff sale over and over again. While this seems a little counter-intuitive, if the lender does not accept the request for a postponement, it may face liability for acting in bad faith. Pursuing foreclosure and using the courts is usually considered the last option, and if the owners are working on a mortgage modification or short sale, for instance, the county auction can be called off relatively easily.

Ultimate rewards and freebies on current bank accounts


I was in a bank last week waiting to pay in a cheque while the 3 cashiers attended the queue of about 10 people; so 20 minutes after looking around at all the usual 0 per cent credit card offers and low rate loans, I was surprised when the cashier asked me if I had one of their ‘new’ current accounts.

‘New’ I thought; I’d only started banking with them in the last 8 months, how could I have an old current account!? “Oh yes” said the cashier, “we have new current accounts that offer travel insurance, mobile phone insurance and motor breakdown cover.” I thought I was in a Churchill car insurance advert for a minute!

“Hhmmm, ‘new’ current account,” I thought – doesn’t this mean ‘monthly fee’ current account?? I like the way the current accounts that charge you on a monthly basis have all been named dramatically like the ‘Ultimate Reward’ or ‘Gold Rewards’ ‘Advantage’, ‘Premier’ etc, etc…But that’s all I like about them to be honest.

All the benefits or ‘Rewards’ for your monthly fee seem to include ‘* Exclusions apply’ even to things like travel insurance. ‘Worldwide annual multi-trip travel insurance for you and your family’ – read the leaflet; but then a huge ‘* Exclusions apply – please refer to the terms and conditions.’ So you have to trawl through the thousands of ‘T’s & C’s’ to make sure you don’t fall into any of the exclusions! Who honestly bothers to read absolutely everything?

I would guess that the level of insurance and motor breakdown cover you’d get with a current account doesn’t compare to the level of cover you’d receive if you bought the same mobile phone insurance, travel insurance, or motor breakdown cover as separate policies. But then again I might be wrong…

In any case I’m ceratinly not going to start paying for a banking service that I can get absolutely free without all the gimmicks of ‘freebies’ – You get nothing for free and that’s certainly the case here because you’re paying a monthly fee, so how can it be free?! One day I might take the time to actually read through all the insurance cover terms to see exactly what you get for your money I bet it’s not that much!

John Hogan writes for the UK’s firstMotoring Web Site. finds you the best deals on new cars and offers free car valuations to help you sell your old car. The unique online search functionality will help you find the best new cars, and new car deals, in the UK Today. Visit motoring for a free car valuation today!

Facts On Investment Property Mortgage You NEED To Know


When buying an investment property you are likely looking to deposit as little down as possible to advance maximum control.

Be aware that if your property value falls you may possibly have a mortgage amount that is more than the price of your property. You really want to work with a guide or coach who can offer a number of experiences and guidance.

If you pick to use a 20% down payment for investment property mortgages the world is your oyster. Most financial institutions will bend over backwards to get your business.

You are considered very low threat to default on the mortgage.

You’ll still need a good credit score and the wages needed to qualify for the mortgage, but overall, you are in good shape to shop for a mortgage anywhere you please.

You should be able to acquire the most desirable interest rates available, whether you pick to go with a fixed rate or a wavering rate.

You should also be able to negotiate an ‘open mortgage’ which means that there is no mortgage penalty (often 3 months worth of interest) if you sell the house and pay off the mortgage early.

If you aren’t able to negotiate an open mortgage then ask if your mortgage is “portable”. If it is you may be able to move this mortgage into a new investment property with no penalty or condensed penalties.

And you should be able to elude having to purchase mortgage insurance all together.

All bank and/or credit union differs on this point but with approximately minimal effort and negotiation you must be able to avoid investment property mortgage insurance.

These are the details that an veteran mortgage adviser can help you with.

Know this…Investment property mortgages are constantly changing and there are new mortgages for investment properties coming accessible almost monthly!

So again, an veteran mortgage broker is likely your best answer.

For investors, lengthy amortization periods on investment property mortgages are advantageous because of two reasons: 1.The interest paid on these mortgages are tax deductible. 2.The lower monthly payment can reduce your monthly carrying costs very nicely.

Out of everything discussed around investment property mortgages, amortization periods get the most animated response from public.

There are details, fine print and exceptions to almost everything.

Things like mortgage penalties, mortgage insurance rates and mortgage stipulations need to be addressed.

So you will need to do your research and make sure the investment property mortgages you use are exact for you.

Ask questions, don’t be scared.

If what the bank or mortgage adviser is offering you is confusing, get clarification.

To meet experts in investment property mortgage who are limitedly available, go to

How To Submit Winning Offers For Bank Owned Properties


Bank owned properties are very popular types of home foreclosures especially among investors and buyers who are prudent in their real estate purchases. This is primarily because bank foreclosures are known to be the safest foreclosures investment since banks can deliver lien-free titles to the buyers. Aside from this, you can also buy a lot of bank properties that are significantly priced below market value. But since the real estate market is becoming tougher due to the rising demand for cheap properties for sale, finding the right property is only half your task.

Prepare Your Documents

When submitting offers for bank owned properties, it is important that you submit complete documents. Purchasing bank foreclosures entail a lot of paperwork and to gain an edge in real estate investing, you have to cut corners where you can. An incomplete document or a missed out detail can cause your papers to be stashed underneath piles of other offers from other interested buyers.

Respond Quickly

Sometimes, the banks REO manager will need to get in touch with you to clarify some information or detail contained in your application. You have to be ready to answer these questions as soon as possible. If you are not able to respond swiftly to the banks call, it is likely that other bids will be given preferential treatment over yours. If you find that you need help in responding to the banks communication requests, you may hire a qualified real estate agent or broker to handle your responses.

Do Not Haggle

While banks, in some instances, may be willing to shoulder some repair cost, it is a settled rule that you do not make any request from the bank to handle repairs or any other additional cost until after they have accepted your offer. This is to ensure that when bidding for bank owned properties, you do not make any move that may be interpreted as a premature assumption on your part. To say the least, banks get turned off when they sense a buyer who is more eager to drive hard bargains than to close the deal.

Improve Bank Debt Recovery Efforts By Implementing These Techniques


Bank debt collection in increasing, largely because of a recession and economic crisis affecting consumers and markets around the globe. Banks and credit unions are employing new tools and strategies to improve bank debt recovery.

Because of years of steadily rising consumer debt, banks are facing ever growing credit card delinquencies, checking account and loan defaults, as consumers struggle to pay for the necessities. Financial institutions are trying new strategies to help with bank debt collection efforts.

Listed are a few recommended bank debt collection tips, which will help improve your debt recovery efforts.

Provide alternative payment plans for customers going through financial difficulties.

. Create “hardship” programs for borrowers who are late with their payments.

. Extend or lower payments, interest rates, or lower fees when you anticipate customer payment problems.

Create communications channels where customers can openly discuss their issues. By proactively reaching customers early, you can prevent larger problems later.

In addition to your present internal debt collection processes, these suggestions are designed to “flag” would be problems much sooner, and prevent them from becoming much larger problems later on.

When To Consider Outsourcing Bank Debt Recovery to Collection Agencies

It is critically important that banks and credit unions experiencing growing debt collection issues quickly rid themselves of “problem” delinquencies, and outsource them to a collection agency.

Using many of the earlier suggested strategies, you will be able to identify early on, and be able to distinguish the customers that you can work with via payment arrangements, and the more challenging customers.

These more challenging accounts must be identified early on in the process, and outsourced to a collection agency. Failure to do so decreases the possibility of ever getting paid on them. It will also cost you much more in wasted time, resources, etc. Failing to do so, not only decreases your likelihood of getting paid on them at all, it costs you far more in time, resources, etc.

Some collection agencies offer programs designed to restore negative accounts and retain banking customers before the account is closed or charged off. In fact, research shows customer retention equaling 70% or better can be achieved, as well as restoration of negative account balances when contacted pre-charge off.

The crucial element is reaching these customers before the account is charged off, not afterward.In addition to the incentive to clear up their negative account balance, it is also proven that after a past due account is closed and charged off, these delinquent customers typically seek new bank accounts at other institutions.

Once this happens, there is little interest in that customer bringing their delinquent, charged off account, current.

What Facilities Can You Expect From Jobs In Sbi, J&k Bank, Pnb Recruitment 2013


It is a boon in India for the job aspirants that more than 1.8 million bank jobs are available in banking sector. With so huge vacancies, most of the students can take advantage of the same. Irrespective of the stature of the banks, most of such jobs are available at diverse banking profiles and levels of operation. With changes in banking sector reforms, most banks are asking for freshers to recruit for their various positions. The SBI Clerk Recruitment 2013 is one such opportunity, which offers a greater scope for candidates who want to join the behemoth of banking in India. It also offers a greater scope for career formation with highly adorable work culture and professional ethics.

Jammu And Kashmir Bank is another such nationalized bank, which operates with some special stature. Mostly targeted to the grass-root level development of the state, this bank has moved its operation to outer part of the state, opening its branches in other states, too. Jammu And Kashmir Bank Recruitment 2013, offers an opportunity for the fresh graduates as well as experienced bankers to feel a special working environment with changed working pattern and some special banking process of operation. Moreover, the candidates do not have to travel all the way to the Jammu and Kashmir to be a part of this bank, rather they can grab an opportunity in their own home state, working with any of the branches of this versatile banking institution. The job security is the most preferred by any youth in this competitive time of global recession. This is what, is one of the uniqueness of the banks and that too especially with the nationalized banks of India.

Being one of the most successful banks in India, Punjab National bank offers an excellent opportunity for the prospective job aspirants with a versatile career in banking. With multi-level operation and global outreach has offered this bank a special stature among all banking institutions in India. Like State Bank of India, PNB is recording rigorous growth and this is what is being reflected with the PNB Recruitment 2013. Numerous job opportunities are coming up with the PNB recruitment. One can surely fit in a career in banking with this recruitment drive for various positions of Clerical cadre, specialist officers and probationary officers.

The present modern age is the age of Information technology. Most of the banks commercial or private are now focusing more on online methods to help their customers. Thus it is important to have a good back up of information technology tools. Nowadays the banks recruit specific IT person in order to maintain their servers since most of the banks provide online banking facilities to their customers. This is a new avenue, which has opened up opportunities in the banking sector for the IT professionals, as well. With versatile job platform and a dedicated career option, jobs in banks are proving great as a promising career option.

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