The Product Review Center

Here’s how the foreclosure process works. You find yourself in arrears on mortgage payments and panic. You stop opening your mail because you don’t want want to hear about it — or maybe you think it might go away?

It doesn’t.

When my cousin went through a foreclosure process, she did exactly that. The problem is, you have steps you can take to halt the foreclosure process, but you have to follow the specified times lines and fulfill deadlines. She missed these because she didn’t know about them. She didn’t know about them because she didn’t open her mail and so she didn’t get any help until it was too late.

Arguably, the biggest mistake you can make during the foreclosure process is not opening your mail. It leaves you with little chance to redeem yourself.  No matter how painful it is, force yourself to face it. That’s the only way to intervene in the process and turn things around.

As soon as the formal filing of the foreclosure notice is completed, a deluge of “ambulance chasers” pour forth. This is because it’s now a matter of public record and there are many many people who watch the docket for recent foreclosure listings. Real estate agents, foreclosure “experts,” and assorted lenders will be tapping on your door proposing a deal to save your home.

Exactly how does foreclosure work?

There are three steps: pre-foreclosure, foreclosure, and then the auction. Pre-foreclosure is when you have defaulted on your payments, but the lender has not taken any action yet. When the lender does go ahead and file the legal papers for a foreclosure, you’re into the actual foreclosure process.

The auction is the final phase. They say your house will be auctioned off on the courthouse steps. Does it truly occur outside on the steps? 

Well, I’m not sure.  What I am sure about is how vital it is to open your mail if you miss a mortgage payment so you know what the lender is up to.  And get professional help asap. We have many more rights than the demoralizing bankers and lenders want us to know about.

Understand that a foreclosure is not inevitable. You have rights and actions and decisions that can steer the outcome in a much more positive direction.  

http://javareport.net

Each month brings a new service to VoIP (Voice over Internet Protocol). Telephone service providers such as Vonage, Packet8, and AT&T among others are saturating the VoIP landscape.

A new player to this crowded space is Lingo, which comes close to beating the competition. Lingo offers the lowest monthly unlimited-minutes plan of all the VoIP packages starting at $19.95 per month. This plan includes not only the United States and Canada, but also many countries in western Europe.

Lingo Service Review Blog

International callers can take advantage of Lingo’s 30-day money back guarantee, plus you get the first month free. The Lingo installation process is very straightforward. When you sign up for Lingo’s service, the company sends you a proprietary Primus telephone adapter plus the complete package of setup instructions. Lingo Phone Service Review Website

Follow the setup instructions, which have you un-plug your broadband modem and router, connect the telephone adapter to an Ethernet port on your router, then power them back up in a specific order. When you start up, you will need to wait for the adapter to download the firmware. Be careful to read the instructions on this point because stopping the process can cause technical problems for your Internet connection.

If you have any set-up issues, you can always contact their technical support service. A big advantage is that you can manage the service all on-line. When online, you can log in to your account from Lingo’s website, where you can make changes to your accounts profile, contact support, and manage your account’s features.

You have to click in and out of a different page to change the settings for each feature. The forms are clear and easy to use.

Some of the more important features are: You can port your same phone number, have any area code, three-way calling, speed dial, call forwarding, simultaneous ring, anonymous call rejection (ACR), and do not disturb (*78)

The Good: Low monthly rates; standard unlimited-minutes plan includes countries in western Europe; offers an Asian calling plan; 911 support; virtual numbers.

The Bad: Occasional inconsistent call quality.

The Bottom Line: Lingo offers low rates that should appeal especially to international callers. Lingo Phone Service Review Blog Try it, You may like it.

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