American Business Advantage Partners with Loan Service to Save People's Homes

LOS ANGELES, Calif. - July 18 (SEND2PRESS NEWSWIRE) -- New troubles in the sub-prime segment of the U.S. housing market have made some Americans fearful of losing their homes. As a result, American Business Advantage has partnered with the Community Loan Service Center to launch a national foreclosure prevention program.

R. Elliott Bradley, President and CEO of American Business Advantage, has been recognized as an industry leader in the foreclosure services; he has gathered a staff from the mortgage industry. Noticing this trend, ABA has expanded their offices to 7,000 square feet to accommodate new corporate offices, processing unit and training center.

According to Realty Trac, June 2007, approximately 165,000 default loans were recorded; those numbers have been consistent for the last several months.

Fannie Mae reports that over one trillion dollars worth of mortgages will be reset or refinanced by 2007 year end, and even more in 2008.

American Business Advantage's primary focus is to develop and assist homeowners who will, unfortunately, be faced with the terrible experience of managing their own foreclosure.

Foreclosure mitigation negotiates a resolution and puts a plan in place that mortgage lenders can provide to manage a default resolution.

The company's secondary focus is to educate the public about the loan and foreclosure industry. American Business Advantage has established a professional, certified, foreclosure counseling program that addresses the needs of homeowners who face this dark reality.

"There are an overwhelming number of individuals who are not prepared to interface with their lenders," Bradley explained. "Adjustable rate mortgages, predatory lending, and an over-valued real estate market have all fueled the foreclosure epidemic."

American Business Advantage is prepared for a massive fall out of foreclosures in the American marketplace. For the homeowner, the company offers refinance options and foreclosure mitigation specialists to assist homeowners to save their home or equity.

For people interested in helping others to save their homes, an affiliate or certified foreclosure consultant (CFC) program are also available. These programs provide individuals with the necessary tools and training for helping others. - www.StoptheForeclosure.org - has also been launched to help homeowners.

American Business Advantage has been successful in assisting hundreds of homeowners, nationwide, to save their property and preserve the American dream.

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Real Estate Listing Web Site Aids Homeowners Facing Foreclosure

FORT MYERS, Fla. (SEND2PRESS NEWSWIRE) -- Federal Reserve Chairman, Ben Bernanke, recently announced that delinquencies and foreclosures in the subprime mortgage market are likely to rise even more; ForeclosureByOwner.org has reacted to the news and launched a web site to help people affordably list their homes before becoming a foreclosure statistic.

According to a recent financial report, over the next few years, more than three-quarters of the nation's housing markets will suffer some decline in home prices; many will experience double-digit hits in a forecast that has worsened considerably in recent months.

So, what sounds better, having a house repossessed or selling it for a profit? Option number two is the obvious one, but what about those costly real estate listing fees?

ForeclosureByOwner.org (www.ForeclosureByOwner.org) is an affordable way for people to list their homes. Their service brings together buyers and sellers and home information is provided by the seller. Price and sale terms are negotiated between the two.

In fact, the company is so confident that they can help people to sell their homes that the service is free for the first 30 days. After that, the cost is only $1 per day ($30 per month) to cover the actual cost.

"It's the least expensive way to list a home, nationwide," Clayton Jackson Harlan, owner ForeclosureByOwner.org, said.

Nationally, foreclosures are up 115 percent from one year ago, with one foreclosure for every 510 households. And, the foreclosure process just takes 51 days. According to Harlan, everyone is just two paychecks away from being homeless.

"And, the jump in foreclosure filings for this month might be the beginning of the next wave of increased foreclosure activity as a large number of subprime adjustable rate loans begin to reset," Harlan said.

Losing a home creates personal financial distress, and adds volatility to an already unstable economy. That's why ForeclosureByOwner.org wants to help people sell their homes.

Mentored by real estate experts since the start of his career, Harlan was one of the youngest real estate investors in central Florida to buy and sell a home, for a profit, in less than six months.

ForeclosureByOwner.org requires no contracts; subscribers may cancel at any time.

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Applied Business Software Inc. Seeks Court Action to End Copyright Infringement

LOS ANGELES, Calif. - Oct. 29 (SEND2PRESS NEWSWIRE) -- Applied Business Software Inc., a market leader and global provider of software systems for the real estate industry, has filed a lawsuit in U.S. District Court for the Central District of California that alleges copyright infringement, breach of contract and seeks specific performance of the termination provisions of a license.

The lawsuit (Case# 7/16/2007 2:07-cv-04584 JFW (Western Division - Los Angeles)), filed July 16, 2007, names ALLIED MORTGAGE & FINANCIAL CORPORATION a Florida corporation ("AMFC") as the defendant. In the lawsuit, ABS claims AMFC violated a licensing agreement between ABS and AMFC. According to the lawsuit, multiple unauthorized copies of The Mortgage Office(TM) software had been installed or used on unlicensed computers.

Applied Business Software, founded in 1978 and creator of The Mortgage Office(TM), is a market leader and global provider of software systems and solutions to the mortgage lending industry. The Mortgage Office(TM) is a complete suite of copyright protected software products designed from the ground up to specifically address the needs of those who service loans and mortgage pools. ABS uses licensing agreements to provide clients with products such as The Mortgage Office(TM). The licensing agreements set fees based on the number of computers licensed to use the software within a certain location. ABS is based in Long Beach, California.

For additional information about ABS's products and services, visit www.themortgageoffice.com or call (800) 833-3343.

Jerry Delgado, president of ABS, stated, "We're proud of our reputation for excellence, both in our products and in our people, and because The Mortgage Office(TM) suite of products is an invaluable tool within a very competitive market, we need to make sure that all licensees are operating fairly and that the use of our software is restricted to authorized computers."

Software piracy is against the law. It can result in statutory damages of up to $30,000 per instance of unintentional and unauthorized use of each of the copyrighted programs, and up to $150,000 per instance of intentional and unauthorized use of each copyrighted program.

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Parents Will Pay For Better Neighborhoods, But Can They Find Them?

PALO ALTO, Calif. - Nov. 28 (SEND2PRESS NEWSWIRE) -- Parents are concerned that their children are not playing outside, and they are willing to pay a lot of extra money for a house in a better neighborhood. That's the conclusion of a new survey published on Playborhood.com, an online community for parents who want their children to play outside in their neighborhoods.

Two thirds said they would move to a house with substantially better play opportunities for their children, and they would pay tens of thousands or hundreds of thousands of dollars extra for those houses. Almost 50% of parents said they would pay over $50,000, and over 15% said they would pay over $200,000.

They survey also found that "school district" and "type of street" were the two most important neighborhood- and child-related considerations that parents used when buying their present home. However many complained that the weren't able to find out how many children were in the neighborhood or if those children played outside prior to buying their house.

"Many parents are dissatisfied with their current neighborhoods because their kids aren't playing there," said Mike Lanza, CEO of Playborhood, the parent company of Playborhood.com, "but they don't know how to find better ones. The real estate industry is failing them."

Playborhood recently launched its first Playborhood Local site for Palo Alto and Menlo Park, CA, to help parents there create more play opportunities for their children. The company plans to launch other Playborhood Local sites for many other American communities in 2008.

"Childhood as we parents experienced it decades ago is vanishing in America," said Lanza. "Kids used to play on their own in their neighborhoods every day." Over 80% of all children in the United States never play in their neighborhoods without adults present, according to a the survey. In the San Francisco Bay Area, the figure is even higher - over 90%.

Today, in their free time, most children either stay inside in front of screens - TVs or computers - or they are driven around to adult-organized activities by their parents. Experts such as Kenneth Ginsburg of the American Academy of Pediatrics argue that free play - i.e. play that is driven by children, not adults - is essential to children's development, and they regret the marked decrease in free play experienced by children in America.

The Playborhood.com survey finds that parents are also very concerned by this. Over 80% expressed a desire that their children's play time increase in the coming years.

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Win a House America Encourages Brighter Real Estate Future

GARDEN CITY, N.Y. - Dec. 13 (SEND2PRESS NEWSWIRE) -- Television, newspapers, radio, the Internet, and more - media coverage and speculation over the dismal housing market is inescapable. That is why, today, Win a House America LLC announced plans to give away homes across the country. Their mission is to renew real estate hope and to provide people with opportunity.

The company's announcement comes on the heels of a congressional subcommittee prediction that the sub-prime mortgage crisis will result in two to three million foreclosures over the next few years. Many experts predict that these real estate woes could last well into 2009-2010.

Win a House America is providing a real opportunity for individuals to own a home without selling their soul to mortgage brokers or banks. Traditional financial institutions scrutinize credit scores, and for many, are never good enough.

So, how does it work? Consumers access and play games of skill on the company's web site (www.WinAHouseAmerica.com); a $25 entry fee is required. These games are not to be confused with gambling and are completely legal in 41 states, including New York, where the company is based. Only nine states will be prohibited from participating due to their current gaming laws.

"Many people have no way to achieve their home-buying dream," Steve Harris, company spokesperson said. "We are providing those people with a non-conventional alternative."

Harris explains that in addition to people winning homes, sellers also benefit. The company is helping people, young and old, to survive the housing slump while they work to drive a weak economy.

In order for a home to be placed on the company's web site, it must first pass a strict inspection. All homes must be mold, asbestos, radon, and contaminant-free. All homes must also be debt-free.

Currently, homes are being given away in New York and the tri-state area; the rest of the country is close behind.

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