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: 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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Program 3648: If I could just ask you to state your name and the area where you live?

Michael: Mike; The Colony, Texas.

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

Michael: I was in real estate working for a new home builder, and unfortunately where I was at I went on making about half as much as the previous year. My wife got sick and ultimately we wound up getting a divorce. Everything that stresses and burdens your income happened.

Program 3648: I know Michael that our certified Program 3648 representative Mike Reese along with Gina Sheer – they do participate in our program. May I ask how you heard about them?

Michael: Oh, I know Mike from just being in the new home sales business and being a realtor; knew his name stated all over his advertisements. Gina, I met through him.

Program 3648: Okay. May I ask how much better you felt about your situation after visiting with them?

Michael: Well, unfortunately the situation was what it was. At least dealing with Mike, I trusted him and I know his reputation, so I knew it would be handled it professionally. So at least that made me feel better about that.

Program 3648: May I ask, what are some of the things that they did to help relieve the stress of your situation?

Michael: He was more personable with me, knowing what I was going through and such, to help me keep – keep me at peace in mind if you may. So it was just good to decent communication; not an overkill.

Program 3648: Okay.

Michael: But just enough to at least keep you in the loop.

Program 3648: Right. Right, I know there are a lot of foreclosure scams out there also, Michael, that charge homeowners’ money and they don’t provide them any help. And I know Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get real help for free. And I’d like to know how it felt for you to receive all of the help and services that your Program 3648 representative provided at absolutely no cost to you.

Michael: Yes, I mean they did exactly what they said they were going to do. I mean, that’s rare in this world, especially with as many, like you said, scams and people that are not so honest out there. It was a good feeling to actually do business with someone that – who was there to help; did what they said they were going to do, and achieve the goal that we set out to accomplish.

Program 3648: What would be your recommendation to other homeowners that are considering a short sale using a Program 3648 representative such as Ms. Gina Sheer and Mr. Mike Reese?

Michael: Hopefully they don’t have to deal with it ever. But if they do, they have to be aware that it’s a little bit different on their process that you have to go with someone who is experienced and knows what they’re doing. I think Mike Reese and Gina Sheer are a combination that makes it easy as it possibly can be. I would suggest one of your reps…

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Testimonial from Jason in CA

Program 3648: Tell me what your first name, and the area where you live?

Jason: Jason, in San Jose, California.

Program 3648: Great, thanks Jason. I know many good people are finding themselves in a situation where they are unable to keep up with their mortgage payments. Could you just briefly explain what happened in your case?

Jason: I lost a job.

Program 3648: May I ask how you heard about your certified Program 3648 representative, Mr. Gary Watkins?

Jason: Oh, he’s a mutual friend.

Program 3648: May I ask how much better you felt about your situation after visiting with Mr. Watkins?

Jason: Oh, 300% better, yes.

Program 3648: Now Jason, I know that at times a short sale process can be long and cumbersome. How was your experience working with Mr. Watkins?

Jason: Oh, it was very good. It was cumbersome, but he explained everything every step of the way, so there were no surprises.

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

Jason: Well, just knowing that I had options.

Program 3648: What did you like most about what Mr. Watkins did, and the work that he did for you?

Jason: The speed of response and the clarity he gave me to understand what the options were. In a short time, it was well presented; succinct. So that I knew I had a game plan.

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

Jason: Well, that was one of the best parts.

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Testimonial from Greg in CA

Program 3648: Go ahead and start by just stating you first name and the area where you live.

Greg: Greg. I live in Irvine, California

Program 3648: Could you briefly explain to me what happened in your situation?

Greg: I’m a real estate developer – and to projects that went upside down. I guaranteed the loans. So we just let everything go.

Program 3648: Okay. May I ask how you heard about your certified Program 3648 representative, Mr. Fred Nabati?

Greg: His old marketing materials.

Program 3648: May I ask how much better you felt about your situation after visiting with Mr. Nabati?

Greg: It was pretty good. He was very knowledgeable and thorough. Being a real estate broker myself, I know enough about the transaction that he seemed he could handle the transaction very well for me, and he did.

Program 3648: Cool. Greg, I know sometimes that the short sale process can be long and cumbersome. How was your experience working with Mr. Nabati?

Greg: It was very good. The buyer needed – a little complicated and there were some delays, but he was – Fred was very good.

Program 3648: Ok. May I ask, what were some of the things that were done to help relieve the stress of your situation?

Greg: In just knowing that he was working on it and he kept me informed, that was all I needed from him.

Program 3648: Great. What did you like most about working with Mr. Nabati and the work that he did for you? Excuse me.

Greg: He didn’t take up a lot of my time. He went to work and he got it done. He kept me informed.

Program 3648: I know, Greg, there are a lot of foreclosure scams out there. They charge homeowners money and they don’t provide them any help. And Program 3648 scam prevention efforts have done a lot 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 your Program 3648 representative provided at absolutely no cost to you?

Greg: I expected that, so it wasn’t exceptional.

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. Fred Nabati?

Greg: Perfect. It works well. He did a good job, and he knew what he was doing.

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Testimonial from Gayle in TX

Program 3648: State your first name and the area where you live.

Gayle: Gayle Williams. Miami, Florida.

Program 3648: Could you briefly explain your situation, and what happened in your case?

Gayle: In our case we actually moved from the States into a next state. This time unfortunately I lost my job; I couldn’t keep up with the payment anymore.

Program 3648: Okay. May I ask how you heard about your certified Program 3648 representative, Mr. Wilson?

Gayle: He came out of one of the winter magazines…

Program 3648: Oh, okay.

Gayle: …and we interviewed him and we found him to be very nice.

Program 3648: Great. May I ask how much better you felt about your situation after visiting with Mark Wilson?

Gayle: Oh, yes we felt like we loved Mark from the beginning.

Program 3648: Gayle, I know that sometimes the short sale process can be long and cumbersome. How was your experience working with Mr. Wilson?

Gayle: I don’t have anything negative to say about Mark. We liked Mark very much. We trusted him explicitly and whenever we called him he would answer or try to get back whenever he could. Mark was very good, a very good person.

Program 3648: What would be your recommendations to other homeowners that are considering a short sale using as program 3648 representative such as Mr. Mark Wilson?

Gayle: Mark should be commended for his patience and his perseverance and it’s because we had that relationship with him, I think that’s why he stayed in there to the bitter end. That’s what the person he is anyway. He sees it through to the final end.

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Program 3648: My first question is, if you could just state for me just your first name and the area which you live?

Timothy: Timothy, and I stay in Texas.

Program 3648: Okay. Timothy, I do know many good people are finding themselves in a situation where they are unable to keep up with their mortgage payments. Could you just briefly explain to me what happened in your case?

Timothy: We were moving to Texas and we had to leave expeditiously, quickly.

Program 3648: May I ask how better you felt about your situation after visiting with Ms. Pearson and Mr. Shelton?

Timothy: This is actually my first time to experience the short sale, and I thought they did an excellent job. I thought they did it in a pretty speedy manner.

Program 3648: Okay, great because that goes into my next question, because I know that a short sale process can be long and cumbersome. I know it can be very tedious…

Timothy: Right.

Program 3648: …and I want your feelings and your experience on how it was working with your representative. How was it working with them? Were they knowledgeable? Did they give you what you needed to know about what was going on? Tell me about it.

Timothy: Yes, they were very knowledgeable, and if I had asked a question, or my wife, and then if we – they weren’t quite sure about… They would always get right back to me as soon as possible. But a conversation with some other people that had to go through a short sale, not with Shelton or Pearson, seemed like they had some problems. But mine seemed just pretty, pretty smooth.

Program 3648: Okay. May I ask if there was anything that stood out that they did, that helped relieve the stress of your situation?

Timothy: No, nothing in particular. As long as they would handle it, those were the famous words that I liked to hear. “They would handle it.”

Program 3648: Okay. I do know Timothy that a lot of foreclosure scams are out there that charge homeowners’ money, and they don’t provide them any help. Program 3648 scam prevention efforts have done a lot to help homeowners understand that they can get the help for free. And I would love to know how it felt for you to receive all of the help and the services that Ms. Pearson and Mr. Shelton had performed at absolutely no cost to you.

Timothy: Excellent, beautiful.

Program 3648: Thank you.

Timothy: Beautiful.

Program 3648: May I ask if you have any recommendations to other homeowners that are considering a short sale using a program 3648 representative, Ms. Pearson, Mr. Shelton, or someone else – what your recommendation may be to them?

Timothy: If some homeowners would be in trouble I would recommend them to [lob it to ]Buzz Shelton and Pearson.

Program 3648: Okay.

Timothy: Yes, right.

Program 3648: Is there anything else that you would like to share with me in regards to your experience? I am extremely ecstatic to hear that you were very satisfied with the outcome of your experience.

Timothy: No, like what you just said, I was just satisfied.

Program 3648: Good.

Timothy: I have no complaints.

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Program 3648: Could you just tell me your first name and the area where you live?

Robert: Robert, Utah

Program 3648: If you could you please briefly explain to me what happened in your case?

Robert: Lost a business partner and found myself having to assume the complete debt of the business investments and basically could not do so, could not keep up.

Program 3648: Ok.

Robert: I guess without a partner.

Program 3648: May I ask how you heard about your certified program 3648 representative Mr. Brian Pitcher?

Robert: Internet.

Program 3648: Ok. Could you tell me how you felt about the situation after visiting with Mr. Pitcher?

Robert: Relieved apprehensively.

Program 3648: [Laughter] I completely understand. How was your experience working with Mr. Pitcher?

Robert: It was great! He kept me up to speed on a lot of things not that it helped the pace of the overall transaction gets completed, but it definitely made me feel a lot more at ease knowing that I was being kept in contact with.

Program 3648: What were some of the things that helped relieve the stress of your situation that he provided?

Robert: His knowledge on the overall credit issue that can be addressed after the facts.

Program 3648: Ok. Was there anything that you liked most about working with Mr. Pitcher?

Robert: I felt as though I could trust him, he was giving me suggestions and ideas along the way.

Program 3648: Ok. I know a lot of foreclosure scams are out there and they charge homeowners money, they never provide any help. And Program 3648 Scam Prevention Efforts we have done a great deal to help homeowners understand that you can receive help for free. I would like to know how it felt for you to receive all the help and services that Mr. Pitcher provided at absolutely no cost to you.

Robert: Made me feel warm and fuzzy.

Program 3648: That’s my very first warm and fuzzy answer…

Robert: Yes, I bet you probably don’t get that much. Anyway the one before that was I did lose about $7,500.00 from another company. That’s still in business, telling people they can help but to a certain level. When they get to that level, I actually had that company hand the information and the data over to Mr. Brian Pitcher who took care of it and finished the project at that point. I’ve since contacted the other company for a refund or a partial refund and obviously, all of a sudden, there’s no way they can do that, no money and management to make those decisions.

Program 3648: It was a good thing that you did find him when you did find him, yes?

Robert: Yes, probably.

Program 3648: Ok. May I ask what would be your recommendations to other homeowners that are considering a short sale using a Program 3648 representative such as Mr. Brian Pitcher?

Robert: Get on it.

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