Reaching U Network is a 501c3 non-profit organization that is linked to Freedom Legal Plans by a long time service contract that provides low cost and pro-bono legal representation to homeowners facing foreclosure and being abused by lenders. Unlike most pre-paid legal services, Freedom Legal Plans specializes on providing members with immediate legal representation. Most homeowners facing foreclosure today need representation but can't afford to hire an attorney. Reaching U Network helps struggling homeowners by offering different affordable payment options for those who qualify. In extreme cases, Reaching U Network, with the help of Freedom Legal Plans, will sometimes offer free representation with a network attorney.
Reaching U Network surveys homeowners about their legal options and also raises awareness thru television, marketing campaigns, and local workshops.
Members pay a $15.00 per month membership fee to access affordable legal representation provided by the Freedom Legal Network of attorneys. Members' fee is tax deductible and is used to fund legal representation for homeowners with serious hardships such as unemployment.
Network attorneys with Freedom Legal Plans work under a set monthly fee and never an up front retainer fee. The monthly fee is far lower than what most attorneys charge for services provided. Homeowners will not sacrifice the quality of service because the network is monitored and managed by Freedom Legal Plans which makes customer service priority number one.
Reaching U Network has joined forces with Freedom Legal Plans to target the current epidemic of foreclosure by providing forensic and securitization audits to home owners looking to stay in their homes. These audits give a detail insight concerning fraud, TILA, HOPA, and securitization violations. With the assistance of the individual attorney representation these audits will help open legal communications between lenders and homeowners surpassing any loan modification process available today.
This overwhelming process is performed 100% under the umbrella of a local network attorney in the homeowners’ state. Each attorney has passed rigorous qualifications in order to join the network along with the knowledge on how to stop foreclosure.
5 reasons why homeowners should challenge their mortgage lender if facing foreclosure.
1. If the mortgage was opened between 1999 and 2009, the chances it contains fraud or predatory lending violations is 80%.
2. How to find out if the entity you are paying your mortgage to, has any right to collect?
3. Only 4% of loan modifications are approved.
4. Court ruling in Arizona and Massachusetts has wiped out many mortgage balances; these states are just a few of the many recently on the news.
5. Challenging a mortgage, in court with an attorney, can stop a foreclosure.
Anyone can make a donation and help. Funds will go toward helping struggling homeowners that can't afford legal representation. Here is their site http://www.reachingunetwork.org
Here is the number to call if someone is facing foreclosure, has been denied a loan modification, or is falling behind on their mortgage payments, call 866-514-4636 or visit http://www.123savemyhome.com for help.
The worst thing to do is wait or do nothing, lenders have attorneys on their side, no one should face foreclosure alone.
I've personally experienced the results of this organization in...
The way the council homeowners and take the time to find the best solution for them.
Ways to make it better...
If I had to make changes to this organization, I would...
Their donation efforts are lacking, if they could do more fundraising, they could help more homeowners.