Program 3648: What is your first name and the area where you live?

Robert: Robert. Chadwick, North Carolina.

Program 3648: Can you please briefly explain what happened in your case?

Robert: Well, my case – my job after 21 years, they went and end it. I just packed up and come back to North Carolina with family.

Program 3648: Okay. Tell me Robert, how did you hear about your Certified Program 3648 Representative Ms. Jan Hickerson?

Robert: I got the letter in the mail and I just decided to call her up. Then she came and sat down and explained everything to me and we went from there.

Program 3648: How much better did you feel about your situation after visiting with Ms. Hickerson?

Robert: Oh, I feel really comfortable. She made me feel really confident,  and her daughter when they came to the house and said let them handle it  I don’t have to do nothing with. You know I didn’t until they need me to sign papers.

Program 3648: That’s good. Now Robert, I know sometimes the short sell process, it can be long and cumbersome. How was your experience working with Ms. Hickerson?

Robert: Oh, I like I said, like none other and I can say everything just went smooth. They just came around when – they just had a paper for me to sign and that they’ll call me next week about showing out the house until you notice people coming around, I mean it’s just really nice.

Program 3648: Good. I know a lot of foreclosure scams are out there, Robert. They charge homeowners money and they don’t provide them any help and Program 3648 scam prevention efforts, we’ve done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and the services that Ms. Hickerson provided at absolutely no cost to you?

Robert: It was just a big relief. Just like I said, just relieved to get out under the house with – like I said, no out of pocket expenses. I just can’t say enough about them.

Program 3648: What would be your recommendation to other homeowners that are considering a short sell using a Program 3648 representative such as Ms. Jan Hickerson?

Robert: Oh, yes! I’ll definitely recommend that. Going through a foreclosure, I can say I just never experienced that. That is so easy without having something seems hard without having to do anything. Jan and Andy, thanks for doing a wonderful job.

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Program 3648: What is your first name and the area where you live?

Linda: My first name is Linda. I used to live in Witchita but I am now in Montana. The house was sold in Witchita.

Program 3648: Can you please briefly explain what happened in your case?

Linda: This house was a rental and it had major issues from the day I purchased it unbeknownst to me and basically I rented it and tried to repair what I could and then try to resell it for three years and never could.

Program 3648: Okay. Can I ask how you heard about your certified Program 3648 representative Mr. Joshua Roy?

Linda: It was actually through a friend I think.

Program 3648: Okay. How much better did you feel about your situation after visiting with Mr. Roy?

Linda: I felt very good.

Program 3648: Okay. I know Linda, sometimes the short sell process, it can be long and cumbersome. How was your experience working with your representative Mr. Roy?

Linda: It was wonderful. He was very good. He talked to me through a lot of things. I made a lot of phone calls to him, he never got frustrated with me. He was very patient and understanding of the situation I was in.

Program 3648: Okay. What did you like most about working with Mr. Roy and the work that he did for you?

Linda: His honesty.

Program 3648: Okay. I know Linda, a lot of foreclosure scams are out there, they charge homeowners money, they don’t provide them any help to them and Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and the services that your Program 3648 representative Mr. Roy provided at absolutely no cost to you?

Linda: It was wonderful. Now when you’re in a financial bind and you need help and you don’t have the right to put out for someone to help you. It’s wonderful.

Program 3648: Linda, what would be your recommendation to other homeowners that are considering a short sell using a Program 3648 representative such as Mr. Joshua Roy?

Linda: Go for it.

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Program 3648: What is your first name and the area where you live?

Robert: My first name, Robert, and Rio.

Program 3648: Could you just briefly explain what happened in your case?

Robert: I can’t afford to pay – I went without making my mortgage payments because I had no income.  I couldn’t make the payment.

Program 3648: Okay.  Tell me, Robert, how did you hear about your certified Program 3648 Representative, Ms. Kirby?

Robert: Well, Claire Kirby introduced me to it and she’s handling all my paperwork.

Program 3648: Could you tell me, Robert, how much better you felt about your situation after visiting with your Program 3648 Representative, Ms. Claire Kirby?

Robert: Well, she’s very convincing and reassuring to me that – she was very comforting and the fact that she said that she would make a go as easy and as fast as she could. She updates me all the time on what’s going on and everything.  So, besides the fact that I lost hundreds of thousands of dollars on rentals, I’m happy just to get out of it, and you guys did a great job.  Claire did a great job here.

Program 3648: Robert, I do know this and I know that sometimes the short sale process can be long and cumbersome.  How was your experience working with Ms. Kirby?  Can you tell me some of the things that were done to help relieve the stress of your situation?

Robert: She told us from the get go – just from the first time that we got together with her that once we had our meeting, and the ball was in her court and not to worry about it anymore and that she was taking control and she did.  She was fantastic at it.

Program 3648: Great.

Robert: She’s fantastic.

Program 3648: Good.  I know, Robert, a lot of foreclosure scams are out there.  They charge homeowners money and they don’t provide them any help, and that Program 3648 scam preventions efforts have done a lot to help homeowners understand that they can get real help for free.  Tell me, how has it been so far for you with working with Ms. Kirby on the properties that you do have, to receive all of the help and services that she’s provided at absolutely no cost to you?

Robert: It’s great!  We’ve had all kinds of people call us, everything like that, but like I said, Claire, she’s on the ball. She’s got it together and it’s just been good.

Program 3648: Robert, what would be your recommendation to other homeowners that are considering a short sale using a Program 3648 Representative such as Ms. Claire Kirby?

Robert: Honestly, I just think that everything was handled very professionally, and if somebody’s in the same situation, then I would say that the short sale is rather painless.

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Program 3648: What is your first name and the area where you live?

Adam: First name is Adam. I live in Clarksville, Tennessee.

Program 3648: Can you please briefly explain what happened in your case?

Adam: Pretty much me and my wife had separated at the time and I got stuck with all the bills and I just couldn’t make the mortgage payments or more of the bills at that time, so I had to sell the house.

Program 3648: Okay. Adam, tell me, how did you hear about your Certified Program 3648 Representative, Mr. and Mrs. Peterson?

Adam: I actually got online about – for people to buy houses – and within 30 minutes of me submitting my phone number, they gave me a call.

Program 3648: Great! Tell me, how much better did you feel about your situation after visiting with your Program 3648 Representatives, the Petersons?

Adam: They were really pleasant people. I really enjoyed it. They made everything very easy for me. I really didn’t have to do much except sign something, so it was very easy.

Program3648: Great! I know, Adam, sometimes that the short sale process can be long and cumbersome. How was your experience working with your representatives?

Adam: Again, it was very easy for me. I really didn’t have to do much. They took care of everything for me.

Program 3648: Okay. Tell me, what did you like most about working with your Program 3648 Representatives and the work that they both performed for you?

Adam: They took care of everything. I was pretty much clear of mind. I didn’t have to worry about anything, so it was perfect. I mean, I like things where I didn’t have to do anything much of.

Program 3648: Okay. I know, Adam, a lot of foreclosure scams are out there and they charge homeowners money and they don’t provide any help, and Program 3648 Scam Prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did that feel for you to receive all of the help and services that your Program 3648 Representatives provided at absolutely no cost to you?

Adam: Well, that’s very interesting because I didn’t know of places that didn’t charge, so that worked great for me.

Program 3648: Okay and, Adam, what would be your recommendation to other homeowners that are considering the short sale using a Program 3648 Representatives such as Mr. James and Ms. Barbara Peterson?

Adam: Well, if they don’t really want to do it – have much to do with anything, they just want their house sold and not worry about anything, definitely go with some people like them because they made the process very easy for me. Again, I didn’t have to worry about much and that was pretty much it and it made my life a lot easier especially when I was going through a rough time.

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Program 3648: What is your first name and the area where you live?

Ty: Ty, and I reside in Dublin, California.

Program 3648: Ok. Could you just briefly explain what happened in your case?

Ty: I was laid off and can no longer afford to pay for the mortgage.

Program 3648: Ok. Tell me Ty. How did you hear about your certified Program 3648 representative Kelvin Kam?

Ty: He was referred to me by one of my brokers.

Program 3648: Ok. How much better did you feel about your situation after visiting with Mr. Kam?

Ty: It helped because at first I was going to let it foreclose but I had enough time to do a short sale. He helped me out with that.

Program 3648: Ok, great. Ty, I know sometimes that the short sale process can be long and cumbersome. Will you tell me how your experience was working with Mr. Kam?

Ty: Good. I mean, Kelvin took care of mostly everything. He put everything together for me, brought it over to my house, showed me the offer that were going to be sent in. It was pretty easy.

Program 3648: Ok. Could you tell me some of the things that were done to help relieve the stress of your situation?

Ty: I guess just in working with my lender at the time, to get him to accept the offer. That was a big relief off my shoulder.

Program 3648: Ok. What did you like most about working with Mr. Kam and the work that he did for you?

Ty: He’s very informative and very helpful.

Program 3648: Ty, I know a lot of foreclosure scams are out there and they charge homeowners money and they don’t provide many help. Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free. Tell me  how did it feel for you to receive all of the help and services that your Program 3648 representative Mr. Kam provided at absolutely no cost to you?

Ty: It was awesome. I mean, I was afraid I was going to have to pay something for his services but I mean it worked out really well.

Program 3648: Great. What would be your recommendation to other homeowners that are considering a short sale using a Program 3648 representative such as Kelvin Kam?

Ty: I highly recommend it.

Program 3648: Ok.

Ty: It’s better than the alternative.

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Project 3648: What is your first name and area where you live?

Tammy: Tammy. That’s my first name. I live in Northern Virginia.

Project 3648: Can you please briefly explain what happened in your case?

Tammy: I got separated. I’m a stay-at-home mom and my ex stopped paying the bills.

Project 3648: Ok. How did you hear about your certified Program 3648 representative Mr. Brian Piercy?

Tammy: We went to high school together, he’s a friend.

Project 3648: Ok. Tell me. How much better did you feel about your situation after visiting with Mr. Piercy?

Tammy: Great. He was very professional. He was great.

Project 3648: Ok. I know Tammy that sometimes the short sale process can be long and cumbersome. How was your experience working with Mr. Piercy?

Tammy: I talked to them, so I know he wasn’t going to steer me wrong, so…

Project 3648: Which comes to my next question, Tammy, and that is because you know and I know there are a lot of foreclosure scams out there that are charging homeowners money and don’t provide any help to them and Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services that Mr. Piercy provided at absolutely no cost to you?

Tammy: Great.

Project 3648: Ok. What would be your recommendations to other homeowners that are considering a short sale using a Program 3648 representative such as Mr. Brian Piercy?

Tammy: [You know, you're got a tough find and it stops], you need to take it.

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Program 3648: What is your first name and the area where you live?

Melodea: Melodea. I live in Torrance, California.

Program 3648: Could you please briefly explain what happened in your case?

Melodea: I had an adjustable.

Program 3648: Okay. How did you hear about your certified Program 3648 representative Ms. Sharon Johnson?

Melodea: I believe she was in my area at that time doing short sell. I just ran into her and started asking her questions.

Program 3648: Good. Tell me how much better did you feel about your situation after visiting with Ms. Johnson?

Melodea: Much better. She was really informative and she answered the questions that I had no understanding of in regards to short sell.

Program 3648: Okay. Melodea, I know sometimes the short sell process can be long and cumbersome. How was your experience working with Ms. Johnson?

Melodea: She was wonderful. It was long and cumbersome and it’s not because of her. She basically – she did a lot to get it to where she was finally able to get an approval to do a short sell so she did a lot of [calling] and calling and on hold.

Program 3648: Okay. Tell me, what were some of the things that were done to help relieve the stress of your situation?

Melodea: She basically took it over and I basically sat on the side while she did all the legwork basically. I didn’t have to… Prior to meeting her, I did internet search. I tried to understand what the short sell process was and trying to call First Franklin to get somewhere and I didn’t get anywhere until I finally met Sharon.

Program 3648: What did you like most about working with Ms. Johnson and the work that she did for you?

Melodea: She was on top of things. She was totally on top of everything and it made it a lot smoother process.

Program 3648: Okay. I know that there are a lot of foreclosure scams out there and they charge homeowners money and they don’t provide any help. Program 3648 Scam Prevention Efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services that your Program 3648 representative provided at absolutely no cost to you?

Melodea: Oh, I really liked that because I was scared to go to anybody online [anyway]. I pretty much felt that she was trustworthy and I wasn’t going to have to pay out a bulk amount of money which I did see online – people requesting for help if you give them so much and I didn’t lose anything.

Program 3648: What would be your recommendation to other home owners that are considering a short sell using a Program 3648 representative such as Ms. Sharon Johnson?

Melodea: I would recommend her to anybody.

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Program 3648: Please just state what is your first name and the area where you live.

Laurence: First name is Larry and I’m in Sparks, Nevada.

Program 3648: Can you please briefly explain what happened in your case?

Laurence: Basically I went to my mortgage lender a couple of years prior to get a slight increase in my mortgage and then lo and behold, I was in over my head when the market fell.

Program 3648: Larry, how did you hear about your Certified Program 3648 representative, Kyle Krch?

Laurence: I think I found him just through local advertising. I kept driving by their office.

Program 3648: Okay. Tell me how much better did you feel about your situation after visiting with Kyle Krch?

Laurence: He made me feel very good.

Program 3648: What did you like most about your Program 3648 representative and the work that he did for you?

Laurence: Kyle seems very conscientious, very concerned and very knowledgeable.

Program 3648: Okay. Larry, I know there are a lot of foreclosure scams out there and they do charge homeowners money and they don’t provide them any help, and Program 3648 Scam Prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services that Mr. Krch provided at absolutely no cost to you?

Laurence: Oh, I was very happy with the overall service.

Program 3648: Okay. What would be your recommendation to other homeowners that are considering a short sale using a Program 3648 representative such as Mr. Kyle Krch?

Laurence: If you have to do it, you have to do it. I mean it’s better not to have to, but I think Mr. Krch – his office did a good job and I was satisfied with the final result.

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Program 3648: What is your first name and the area where you live?

Keith: My first name is Keith. The area I live in is in Santee, California.

Program 3648: Can you please briefly explain what happened in your case?

Keith: Loss of income due to real estate and the lending business.

Program 3648: Okay. Tell me. How did you hear about your certified Program 3648 representative Mr. and Mrs. Pack?

Keith: She was referred to me through my brother, Kevin.

Program 3648: Okay. Tell me how much better you felt about your situation after visiting with Miss Pack?

Keith: Very good.

Program 3648: I know, Keith, that sometimes the short sale process, it can be long and cumbersome. Would you explain to me how your experience was working with Miss Pack?

Keith: It was very pleasant, very nice. She knew what she was talking about and got the job done obviously.

Program 3648: Okay. What were some of the things that were done to help relieve the stress of your situation?

Keith: Well, first I was talking with her and making sure that we were on track to get the paperwork completed and the short sale was possible and then finished to finalize the deal.

Program 3648: Okay. What did you like most about working with Miss Pack and the work that she did for you?

Keith: Other than just there, she is very knowledgeable and it was a very smooth transaction. Everything went very nice.

Program 3648: Okay. I know, Keith, that a lot of foreclosure scams are out there and they charge homeowners money and they don’t provide any help. Program 3648 Scam Prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services that Miss Pack provided at absolutely no cost to you?

Keith: It felt absolutely outstanding and then I would recommend her to other people actually.

Program 3648: Okay. That is great because my next question was going to be what recommendations would you have to other homeowners that are considering a short sale using a Program 3648 representative such as Miss Pack?

Keith: Oh, I would definitely recommend her again. Other than just there, she’s very knowledgeable and it was very smooth transaction. Everything went very nice.

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Program 3648: What is your first name and the area where you live?

Jim: Elk Grove. I go by Jim.

Program 3648: Can you please briefly explain what happened in your case?

Jim: I had renters in it and the renter left and at the same time the renter left, I lost my job.

Program 3648: Tell me, Jim. How did you hear about your certified Program 3648 representative Miss Kathy Griffin?  How did you hear about her?

Jim: My missus called a friend of hers and she recommended Kathy to us.

Program 3648: Okay, great. May I ask you, could you please tell me how much better you felt about your situation after visiting with Miss Griffin?

Jim: There are really not enough good things to say about her in the whole [blasted] organization. Everybody we dealt with was nice and they would talk to me in terms that I could understand.

Program 3648: Good. I know, Jim, that sometimes the short sale process can be long and cumbersome. I want you to tell me how was your experience working with Miss Griffin?

Jim: It was fantastic. The lady knows her job. She knows how to make you so that you feel – I felt at ease because I was scared. It was just nice to have somebody who fought for you.

Program 3648: Jim, I know a lot of foreclosure scams out there. They charge homeowners money. They don’t provide them any help and Program 3648 Scam Prevention efforts have done a lot to help homeowners understand that they can get real help for free. How did it feel for you to receive all of the help and services that Miss Griffin provided for you at absolutely no cost to you?

Jim: Fantastic because that was it. Anytime we’d run into a block, she would move on to get that block out of the way and…

Program 3648: What would be your recommendations to other homeowners that are considering a short sale using a Program 3648 representative such as Miss Griffin?

Jim: Well, if they want a non-pressure deal, Kathy was super. The other realtor was super. That’s the only way to go.

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