HARDSHIP LETTER WRITER WIZARD 

Kathy R Orlando Fl:   I was in the process of completing a loan modification hardship letter.  I was having difficulties trying to figure out what I should and should not put in my mortgage hardship letter.  I spent the entire last week sitting down but never finishing.  I found www.MyHardshipLetter.com.  There is no other website or information on the internet today providing the technical and expertise information they provide on hardship letters and how to write a hardship letter.  I even signed up for the Wizard Writer and completed my modification Hardship letter in less than 10 minutes.  It was simple and easy to use.  I simply checked off my example hardships and then the software customized a letter for hardship based on my particular hardships.  I recommend the Wizard Writer to anyone who wants to get their hardship letter form completed the right way while spending less time writing a letter of hardship.

David B Jacksonville Fl:  I heard about this wizard creating financial hardship letters in 10 minutes or less.  I didn’t believe it and thought I would try it.  I completed a customized financial letter of hardship using the Wizard in less than 9 minutes.  Being a skeptic, this is one product that simply blew me away.  I recommend this product to anyone needing to have a detailed and customized hardship letter for a short sale or a hardship letter to stop foreclosure.  There is no way I could have created the personal hardship letter and would have left out many important hardships I didn’t realize I really had. 

Stephen K St Augustine Fl:  The Hardship Letter Writer Wizard Rocks!  I completed a credit hardship letter in less than 9 minutes from start to finish.  I had many health issues with family members including a child needing additional medical care.  I had several credit cards I needed to negotiate settlements for that I couldn’t pay.  I didn’t really know how to put all of this in words in a letter.   I watched the Wizard Tutorial video and saw how easy it was and less than 9 minutes later I had a completed customized family hardship letter to creditors that Rocks! 

Mike W Deland Fl:  My wife and I have had a very hard time dealing with the pending foreclosure (pre foreclosure) and completing a short sale package.  It has been one of the most stressful times in our lives.  We were in the middle of a short sale process and the foreclosing lender countered with a cash payment and a deficiency balance promissory note.  Unfortunately we didn’t take the time to complete our hardship letter correctly.    To be honest we just didn’t know how to complete a short sale hardship letter the right way.  Dane Woodruff at FRG explained we should counter the lender with no payment at closing and request a lower promissory note.  He recommended to write a new letter to better reflect our entire hardship situation.  We had been trying to complete the short sale letter for almost two weeks and simply never had the time where we could focus on its completion.  The lender finally gave us one day to make our counter offer and provide the final financial short sale documents.  We were stressed because we just didn’t have the time to complete our hardship short sale letter the right way.  We were one of the first to get access to the Wizard program before it was introduced.  It was a Friday afternoon and my wife called me and explained FRG provided her a pass code to complete our sample hardship letter on their new website.  I told her to try it but I just didn’t think a software system would be able to customize an effective hardship letter with our unique situation.  About 15 minutes later my wife called me at work and told me she finished and the letter  was beautifully written.  I was still skeptical and had her read it to me over the phone.  It depicted our hardship with almost 100% accuracy and said it in such a way that I don’t think it could be said any better.  We tried to complete a hardship explanation letter over two weeks and never even started the letter.  The Wizard program allowed us to finish the hardship letter for a short sale in less than 15 minutes. 

Michael W Atlanta Ga:  A Hardship letter sample in 10 minutes….NO Way!  That is what I said when I heard about the Wizard Writer.  I purchased the program and printed the “How to write a letter of hardship” PDF Wizard Tutorial before I started since I didn’t have speaker volume on my computer.  The tutorial was easy and simple to follow and gave me confidence to start my letter.  After reading the directions, I started and approximately 10 minutes later I had a hardship letter for credit card companies that was truly magic.  There really must be a wizard behind the software to be able to word my letter as if I wrote it.  I am trying to negotiate business credit debt and heard about the importance of a hardship letter for credit cards and found the hardship letter ebook and Wizard is the best and only solution in the market. 

Robyn W Tallahassee Fl:  It’s Magic!  It’s Easy! It’s the best! It’s worth every penny! During this stressful time in my life, this is one product I felt really good about spending money on and gave me some peace of mind.  I know I now have the best chance to negotiate my short sale while having the least exposure to having to pay high deficiency balances or high promissory notes. 

CONSUMER HARDSHIP LETTER EBOOK
SHORT SALE-BUSINESS CREDIT SETTLEMENTS-PERSONAL CREDIT CARD SETTLEMENTS

 Bill J New Smyrna Beach FL:  I was completing a Short Sale transaction on my property with a short sale real estate broker that didn’t know what they were doing but thought they did.  The short sale realtor negotiated the deal (basically submitted the short sale package and waited for an answer).  The bank wanted me to pay $4,400.00 cash at closing and sign a promissory note for $38,000.00.  I heard about FRG from a friend.  FRG pointed out the mistakes made in the previous contract submission including what I left out in my short sale hardship letters.  I received the Hardship Letter eBook and created a new letter with personal hardships I had but didn’t really know how to describe them and didn’t think about putting them in the debt hardship letter.  I also had the letter typed instead of handwriting as the previous agent had told me to do.  The lender dropped the request for the $4,400.00 in cash and is allowing me to pay $1,500.00 on a promissory note settlement for 3 years.  Does the correct letter of hardships make a difference…YOU BET!

Mark M Deland Fl:   I first heard about FRG thru my short sale real estate agent.  I was skeptical about doing a short sale agreement due to my second lien holder.  The second lien holder who was a small local bank was not going to release me from the lien without agreeing to pay the entire $90,000.00 balance in a short sale promissory note agreement.  I met with the bank and bank manager and they were not going to budge.  The local bank had previously not negotiated any settlements with any customers and even initiated foreclosure proceedings against customers even though they were the second lien holder. The bank was focused on the fact I was making over $95,000.00/yr.  FRG provided me with a hardship letter ebook and I had a consultation with Mr. Dane Woodruff who helped me paint the right picture in my hardship letter for short sale.  I had $50,000.00 in high credit card debt, my wife was disabled and could no longer work, I was 5 years from retirement and I had exhausted all of my savings trying to save my home from foreclosure.  The short sale hardship letter template was 3 pages long.  I learned that my short sale hardship letter example was taken into a meeting and copied to each board director member who approved the deal.  Mr. Woodruff personally worked with management of the bank and they accepted a reduced promissory note of $9,000.00 to be paid over 6 years even though I was still making over $95,000/yr.  They released me from an $81,000.00 short sale deficiency balance.

Kathy R Lake Mary FL:  I worked with FRG to complete short sales on two condominiums I purchased in 2006.  I was upside down more than $400,000.00.  The two properties appraised together at almost $600,000.00 in 2007 and sold for a total of $150,000.00 in 2009.  I was worried I was going to have to pay a short sale deficiency balance and was considering bankruptcy.  I had a job making $75,000.00/yr which the bank was telling me they could sue and garnish my wages.  I worked with Dane Woodruff at FRG.  Mr. Woodruff sent me the letter of hardship eBook.  There was a sample of personal hardship letters in the eBook.   The financial hardship letter template provided by FRG was so much better than the free hardship letters I printed off the internet.  We put together a short sale hardship letter example which encompassed many hardships I had but really didn’t realize or know.  I included the financial hardship examples being incurred due to my child’s ADD condition including listing the different types of doctors we had to see and how it took away from my work among other things.  I DIDN’T HAVE TO PAY a DEFICIENCY BALANCE AND THEY DIDN’T EVEN REQUEST ME TO SIGN A PROMISSORY NOTE LETTER!  There is no doubt the financial hardship letter for mortgage played a major role in saving me thousands of dollars including preventing filing bankruptcy. 

Cyndi L Central Florida: Our family business began to suffer from the recession.  We lost business and had a million dollars in personal and business debt.  We already had two lawsuits filed against us from creditors.  We worked with FRG to complete a short sale on personal home.  We were being told by attorneys and our accountant we would have to pay short sale taxes.  FRG worked with our accountant to utilize the exemptions to use allowing us to not have to pay taxes.  In addition, our property had more than $150,000 in a short sale deficiency balance.  We used the Hardship Letter format eBook from FRG to complete our mortgage hardship letter short sale template.  There were several sample hardship letters.  One copy of a hardship letter was almost identical to our situation.  I followed the directions and completed all the forms step by step.  The ebook and samples allowed me to write a letter of hardship format more easily.   The banks approved our short sale and didn’t require us to pay any deficiency balances.  We are now using our mortgage hardship letter for short sale along with our financials to settle credit card and other vendor debt at 10-40 cents on the dollar.  Since we faxed our hardship letter for mortgage company and financials to the creditors, we have not had any more law suits filed against us and or our business.  If you truly have a financial hardship, it is better to share your hardship with creditors in order to possibly prevent them from filing suits against you.  We learned when you don’t share written hardship letters with them, then they don’t know your situation and may file suit. If you show lenders your best hardship letter and your financial situation then they are more likely to work with you.  If you have business debt problems and or other credit card debt problems you are trying to negotiate, I recommend you have a consultation with FRG to help you create a customized hardship letter which will arm you with a very important tool to being successful in reducing your debt.

Nancy P Orange City FL:   I heard about FRG thru another homeowner going thru a short sale program.  I signed up with them and they found me a realtor specializing in short sales to work with in this area.  I also had several high credit card balances I could no longer afford to pay and was being threatened with lawsuits and wage garnishment.  I was going to file bankruptcy and called Dane Woodruff at FRG.  The first thing Dane taught me is that the best time to settle credit card debt is when you are going thru a foreclosure suit (pre foreclosure).  Most lenders see a foreclosure suit (pre-foreclosure) as the next step to filing bankruptcy due to it is a real possibility.  Dane had me complete the hardship letter for mortgage using their new Hardship Letter E-book.  There were several short sale hardship letter samples in the book.  There were so many hardships I never would have put in my letter I didn’t realize were important for a hardship.  Next, I faxed my  letter and financial overview to the creditors and immediately was offered settlements as low as 20 cents on the dollar with payment plans for 1-5 years.  It is without doubt, if I had not worked with FRG I would have filed bankruptcy and now I am out from under my home which had lost 65% of its value and I didn’t have to sign a promissory note contract.  I also now will be completely out of credit card debt (total of $20,000.00)  by the end of the year and ended up getting my high credit card balances settled for 20 cents on the dollar.  I am thankful I ran into FRG.  They helped me get my life back together. 

CONSUMER E-BOOK
LUXURY ITEMS-SHORT SALES FLAGGED AS FRAUD

Glenn C Sanford FL:  I had a thriving restaurant business and purchased and built a new home in 2007 for $530,000.00.  The market crashed and my restaurant lost business.  I couldn’t sell my other home and couldn’t afford the new home.  The new home’s value decreased to $230,000.00.  I sold the home for $225,000 in a short sale agreement with the help of FRG.  I was using the same bank that held my mortgage.  FRG explained it might be a good idea to use another bank.  I didn’t listen, because I had a good relationship with the bank manager.  The bank wanted me to pay a high deficiency balance because they claimed I was purchasing expensive luxury items.  They named different items I had purchased for the past 90 days one which was an $18,000.00 stove I purchased for the restaurant.  Fortunately, FRG was able to help me create a new business hardship letter to explain the purchases were for my business. Wells Fargo dropped the higher deficiency balance requirement.  However, everyone should know the banks are definitely researching your charges to see if you are purchasing luxury type items and you should learn what these luxury items they are looking for in “My Hardship Letter E-book.”

Suzanne R Volusia FL:  I was referred to FRG from a friend.  I was recently divorced and simply did not and could not continue to keep up payments on the home and wanted to downsize.  I had a mortgage with the same bank where I did my personal banking.  We were in the final stages of a real estate short sale and so I started to feel good and began to buy some things for my new home and began to get my nails done on a weekly basis like I used to.  Bank of America came back and asked for almost the entire deficiency balance ($30,000.00) claiming I was purchasing luxury items.  I was infuriated and even called the bank short sale negotiator and spoke with her personally.  While I was infuriated they were looking at my purchases and felt it was an invasion of my privacy, my attorney explained they had a right to do it.  FRG was able to get them to come down to a $4,000.00 promissory note agreement.  I have a great job making over $50,000.00/yr and I was basically out of debt.  The bank negotiator explained if I had not been purchasing luxury items the last two months, I probably would not have had to pay any deficiency.   Make sure you are not using the same bank as your mortgage and make sure you get the list of luxury items to avoid from FRG’s Hardship Letter Consumer E-Book while negotiating short sale contracts.

Chris S Chicago IL:  I found FRG on the internet after I found out my short sale had been flagged as possible mortgage fraud.  I was completing a short sale on a property I owned in Florida.  I was using a real estate agent “short sale” to sell the property.  The agent told me to handwrite my hardship letter.  The property was a $610,000.00 vacation home in Florida.  The lender began to come back and ask me about specific deposits and purchases they found in my bank statements.  The short sale extension also was already on the 6^th month.  I lost the buyer. I became upset and called the lender to find out why it was taking so long and why they keep asking me about all my deposits and certain purchases being made.  They informed me my short sale had been flagged for possible short sale fraud.  I asked them why, and the negotiator explained I handwrote my hardship letter for loan modification and I had two properties that were valued over $500,000.00.  The negotiator explained they just went thru a training program to detect mortgage fraud and handwriting hardships letters to gain sympathy when the person has access to computers is a red flag.  The eBook that was provided showed me how to write a mortgage hardship letter by using approved hardship letters as a guide.   The hardship letter advice helped me more than the free sample hardship letters I printed off the internet.  The format, style and wording of the “My Hardship Letter eBook” samples are completely different than you will find anywhere else.  I can’t stress enough how important your personal hardship letters are including what is in them and how they are presented.