Debt settlement company ACI-Solutions, Inc. spent three years applying and qualifying for its Better Business Bureau accreditation. The company maintains an A-rating with the BBB, despite the fact that others in their industry have fraudulent practices that get sanctioned by the FTC.

In the debt settlement industry in which companies are being sued and/or shut down by the Federal Trade Commission and State Attorneys General for unlawful and deceptive business practices, very few companies have achieved, let alone maintained, an A-rated accreditation with the Better Business Bureau (BBB). ACI, Inc. (http://www.aci-solutions.com) of Ventura County, California, is one such BBB A-Rated debt settlement company.

“It took us three years to achieve our A-Rating accreditation with the Better Business Bureau, a process we started in 2008,” says ACI, Inc. founder and Debt Relief Pro Darrell Warner. “We did this by never charging our customers up-front fees for debt settlement services and always delivering debt settlement results to the best of our abilities given our clients’ situations.” In addition, ACI, Inc. only provides debt settlement services and received its BBB rating for that specific service. Warner cautions that other companies who claim to have received a good BBB rating for debt relief may have received it for another service such as credit counseling/debt management or through an affiliation with an insurance company or mortgage broker, yet claim the rating across all services they provide. According to Warner, the debt settlement industry went from approximately 2,000 debt settlement companies in 2007 to just hundreds in 2011.

Founded in 2004, ACI, Inc. helps consumers become debt free using debt settlement programs tailored to fit their personal needs and their ability to repay. ACI, Inc. negotiates and finalizes debt settlements prior to calculating and charging a fee to the consumer, a practice that became a law by the Federal Trade Commission as of October 2010. The company provides budget analysis and savings and debt management tips to its customers so that once their debt is settled, they have more of a chance to maintain their financial freedom in the future. ACI’s process includes a free consultation when consumers call in to assess each situation and evaluate all viable options. If debt settlement is the best program for the consumer, ACI develops a payment plan for debt management tailored to each person’s budget and decides on an appropriate timeframe for the consumer to get out of debt as quickly as possible. Unsecured debts that are eligible for settlement are Credit Card/ Department Store debt, Medical Bills, Personal Loans (unsecured), Repossessions, Past Due Utility Bills, Overdue Rents, and 2nd Mortgage Deficiencies (from foreclosure or short sale). For more information about ACI, Inc., call 1-888-420-4791, email Darrell Warner at dwarner(at)aci-solutions(dot)com, and visit ACI’s website.

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Mortgage SaverÂ?s Bi-Weekly Payment Plan joins MortgageWing.com to allow the borrower to accelerate the payoff of their home loan reducing the number of years to pay off the loan, lower the effective interest rate will save thousands of dollars in interest.

Mortgage Saver joins MortgageWing.com to bring substantial savings to the attendees of Â?Your Dream MortgageÂ? 2005 at the Pomona Fairplex on Saturday, May 21st. With Mortgage SaverÂ?s Bi-Weekly Payment Plan, the borrower will accelerate the payoff of their home loan reducing the number of years to pay off the loan, lower the effective interest rate will save thousands of dollars in interest. At Â?Your Dream MortgageÂ? borrowers will be able to include the enrollment fee of 5 in their closing cost making it easier to add this option to their new loan.

The Mortgage Saver plan is open to anyone with a mortgage, including investors. Plus, you donÂ?t have to wait until you have a new mortgage to use this plan. You can begin the plan at any time. Warren Croyle, vice-president of sales states, Â?Mortgage Saver offers a "one-time only" enrollment fee. This means that if the borrower refinances, moves or if the loan is sold, Mortgage Saver will simply take them off the system and put them back on with the new loan information.Â?

Through Mortgage Saver, the borrowerÂ?s payments are made electronically, so that the borrower will not have to write a check or remember their payment. Every other Friday, Mortgage Saver will automatically debit one-half of the mortgage payment from the account the borrower designates. By paying half of a mortgage payment every two weeks, instead of once a month, a borrower will make one extra payment over the course of a year. Additionally, this program allows a borrower will make an additional half payment every six months to significantly shorten the life of the loan. "Mortgage Saver saves time and money, we like the hassle free payments and the friendly customer service." says customer Ji Hong of Alhambra, CA.

About Mortgage Saver

Mortgage Saver is a division of AutoLink Payment Services. They began providing Bi-Weekly payment processing in 1996. As a leader in payment processing and Bi-Weekly Payment Services their goal is to help consumers save thousands of dollars in interest on their mortgage. Most consumers pay their lenders 3 to 4 times the amount borrowed. As a third party administrator, acting in a fiduciary capacity, they collect and remit funds.

About MortgageWing.com

MortgageWing.com is focused on cutting through the red-tape of the mortgage process. MortgageWing.com also educates borrowers on the mortgage loan process through seminars. The Company's name comes from the MortgageWing.comÂ?s desire to keep borrowers under their protection and in their care. MortgageWing.comÂ?s mission is to educate all borrowers, have friendly service and aid the processing of their loan. MortgageWing.com is based in Rancho Cucamonga, California.

MortgageWing.com is a marketing and promotions company. MortgageWing.com is not a lender. MortgageWing.com does not make loans or credit decisions in connection with loans, nor does MortgageWing.com issue commitments or lock-in agreements.

To find out more about the event, logon to http://www.mortgagewing.com.

To pre-register now, go to: http://www.mortgagewing.com/padmission.html.

For questions, concerns or comments about Â?Your Dream MortgageÂ? please contact MortgageWing.com by email info@mortgagewing.com, by telephone 909-563-8315, or by facsimile 909-822-4480.

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5M assets institution will roll out 24/7 call center service to meet the needs
of members across the globe

AnyHour Solutions (http://www.anyhoursolutions.com) announced today that Tobyhanna Federal Credit Union of Scranton, Pennsylvania has selected its outsourced services to provide members with exceptional contact center support 24 hours a day, seven days a week. AnyHour will augment Tobyhanna’s internal contact center by transparently serving the credit union’s members – handling everything from typical transactions and information requests to member loan applications – “after hours”, on the weekends and when there is high call volume during the normal business day.

The company will provide these services to Tobyhanna via a real-time interface between AnyHour’s front-end call center system (KIVA Group Inc.’s Respect 7™ unified Contact Center solution) and Tobyhanna FCU’s inhouse Symitar Episys core system. Leveraging the capabilities afforded by the KIVA software, AnyHour will seamlessly serve as an extension of the credit union’s team and be well-equipped to resolve member inquiries on first contact. The outsourced services provider will automatically route Tobyhanna’s transaction details, requests for information, cross-sell opportunities and other follow-up activities directly to Episys.

“AnyHour Solutions is making it virtually effortless for us to supplement our call center and provide members with convenient, around the clock phone service,” Nina Waskevich, VP of Marketing and Sales, “Being able to support members in the U.S. and abroad 24/7/365 is invaluable for our organization and a crucial element in our strategy to deepen and maintain member relationships. At the same time, we expect to realize a boost in operational efficiency and reduced operating costs.”

About Tobyhanna Federal Credit Union

Tobyhanna Federal Credit Union (TobyFCU), located in Northeast Pennsylvania, currently has 5 million in assets and 21,100 members throughout the United States. TobyFCU originated in 1954 to service those affiliated with the Tobyhanna Army Depot military base, and has since expanded and now services the employees and immediate family members of over 500 businesses located throughout Lackawanna, Luzerne, Monroe, Pike, Wayne, and Wyoming counties. Everyday new businesses are joining to benefit from the products and services offered.

About KIVA Group

KIVA Group Inc. is a global provider of unified customer interaction and experience management software that helps financial institutions to integrate and optimize their multiple delivery channels to achieve sales success through exceptional service. RespectTM 7, the company’s technology platform and suite of applications, is enabling banks and credit unions worldwide to connect the customer, product and services information they need to create a more satisfying experience with each interaction. These teller, branch, internet, call center, IVR, marketing and sales software products can be implemented as point solutions or as part of a strategic initiative to completely unify the enterprise. For more information, contact the company at 866.212.2225 or visit http://www.kivagroup.com.

About AnyHour Solutions

AnyHour Solutions (http://www.anyhoursolutions.com) is a highly flexible provider of comprehensive, 24/7 contact center services for financial institutions via its AnyHour MSR and AnyHour Loan-By-Phone services. The company’s purpose is to help its partners to enhance customer and member service, increase loan volume and reduce operating expenses. AnyHour Solutions has been providing contact center services for almost 20 years. Highlighted by the most experienced staff of agents and a turnover rate under 10%, its contact center goal is to provide “Service They Will Remember.” In addition, AnyHour provides online loan application functionality as well as a full suite of mortgage processing services. For additional information, contact Steven Holmes, VP Strategic Development, at 888.622.8696 or sholmes(at)anyhoursolutions(dot)com.

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Revised and updated with rates that reflect today's real estate mortgage market, this pocket-size handbook presents quick-reference number charts that eliminate the need for calculation. As such, its tables are time-savers for business students, loan officers, and buyers seeking an adjustable rate mortgage. The tables are as follows: Monthly Payments, Payment Adjustments Resulting from Interest Rate Adjustments, Borrower's Worst Case Annual Percentage Rates, Borrowers Worst Case Monthly Payments, Annual Percentage Rates for First Year, Value of Below-Market Initial Rate, Annual Loan Balance Reduction, and Worst Case Annual Percentage Rate for Convertible Adjustable Rate Mortgages.

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Free Real Estate App Provides Consumers with Most Comprehensive Home Search Experience on the Market

Homes.com, one of the nation's largest online destinations for real estate listings, announced today the expansion of its mobile suite with the release of its iPad application for home and rental searches. Considered to be the most comprehensive real estate search application on the market to date, the Homes.com iPad application joins the company's widely successful release of home search apps for iPhone, Blackberry, Windows 7 and Android users.

Homes.com's iPad app has been specifically designed to provide home buyers and renters with an intuitive, highly targeted and easily navigable property search experience, complete with extensive listing details, powerful sort and filter tools, sweeping photos, interactive maps, driving directions, favorite property management and share features, an integrated real estate agent search and more valuable home search tools for nearly four million property listings.

Additionally, to further assist home buyers and renters in their home search, the Homes.com iPad app offers several innovative features not currently available in other iPad real estate search apps. These include a quick toggle to view listings for sale or rent, seamlessly integrated with home values and a readily-accessible mortgage calculator, allowing home seekers to easily determine their estimated monthly payment.

Specific features of the Homes.com iPad app allow users to:

•     Instantly find nearby homes for sale or rent with a GPS-driven location finder
•     Quickly refine home and rental searches through customized filters, e.g., by price, property type, location and more
•     Easily toggle on property values to display within homes for sale or rent
•     Drag or pinch the screen to zoom and navigate neighborhoods with interactive maps in landscape or portrait mode
•     Quickly flip through sweeping photo galleries of one or multiple homes through Homes.com's simply designed user interface
•     Bookmark and save searches of favorite properties to MyHomes.com account
•     Immediately receive email alerts when new properties are listed that match established criteria
•     Instantly generate turn-by-turn driving directions from your current location to the property of interest
•     Easily share properties for sale or for rent with friends and family via email.
•     Quickly connect with a real estate professional via integrated contact links or through the integrated local agent search
•     Determine best financial options, loan amounts and monthly payments with Homes.com integrated mortgage calculator
•     Instantly check credit scores and complete an optional online loan pre-qualification application

Jason Doyle, Homes.com vice-president and general manager, believes the Homes.com iPad app is one of the most user-friendly real estate search tools on the market.

“The new Homes.com iPad app gives homebuyers the latest listing information, renters the most comprehensive set of homes and apartments for rent online and home owners access to estimated values of over 80 million homes.” said Doyle. “We took our time researching and developing the app to be sure it was extremely fast for the user and contained the latest search and mapping tools and functionality. This superior technology and data coverage gives consumers a valuable tool to quickly and easily find their next home and stay informed about the changes in home values in their neighborhood.”

Downloads: The Homes.com iPad home search app is available for free and can be downloaded from the Apple App Store.

Images: View Screenshots of Homes.com’s iPad home search app here.

About Homes.com

Homes.com, part of the Homes Media Solutions division of Dominion Enterprises, is a leading provider of real estate marketing and media services, including brand advertising, property listing exposure and syndication, search engine marketing and instant response lead generation. Homes Connect by Homes.com offers the real estate industry’s first-ever all-inclusive marketing platform for agents and brokers featuring single-login convenience. Homes.com is visited by over 7 million consumers each month to search nearly 4 million properties for sale or rent, to locate real estate agents in their area and to find useful home buying tips. For more information, visit http://www.Homes.com.

About Dominion Enterprises

Dominion Enterprises is a leading marketing services company serving the automotive, enthusiast and commercial vehicle, real estate, apartment rental, travel and employment industries. Headquartered in Norfolk, Va., with 3,300 employees nationwide, the company provides a comprehensive suite of technology-based marketing solutions, more than 60 market-leading websites, and 280 magazines. For more information, visit http://www.dominionenterprises.com.

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Clopton Capital has recently started a small balance mortgage plan for lending small amounts of money that most banks and lenders simply will not. The particulars of this product our specified in one of Clopton Capital's websites, http://CommercialMortgageSource.com.

Clopton Capital is a business loan provider and is located in Chicago, IL. They primarily focus on commercial mortgages, SBA loans and niche financing mechanisms such as gas station loans and owner operator financing. The founder of Clopton Capital is Jake Clopton and this press release is part of Clopton Capital's consistent effort to remain involved with the public, namely their future clients. Clopton Capital can be contacted at CloptonCapital.com.

Clopton Capital has recently started a small balance mortgage plan for lending small amounts of money that most banks and lenders simply will not. The particulars of this product our specified in one of Clopton Capital's websites, CommercialMortgageSource.com. The tentative minimum amount to lend under this recently launched product is still ,000 and the maximum is 0,000. Clopton Capital thinks this solution has the potential to aid thousands of applicants who were declined commercial loans from local banks who see no profit in lending less than ,000,000 to an individual applicant. In most scenarios these mortgages can be placed without broker points too. “I really feel the demand for these loan products will be massive, we're entering a perfect storm where businesses won't be able to get credit, especially if they are borrowing amounts that aren't worth an underwriter's time”, said Jake Clopton, the founder of Clopton Capital.

Clopton Capital's future plans involve expanding their line of semi truck lending and insurance services and creating greater conduits for lending commercial mortgage backed security loans. They intend to use the funds generated from short sales cycle products to fund the promotion of long cycle products such as SBA loans.

Clopton Capital can be contacted at their website CloptonCapital.com or at 866.647.1650 during regular business hours central time. Their website contains more specific information about their working capital products. Their website dedicated to commercial mortgage is CommercialMortgageSource.com.

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Leading Business Process Outsourcer selects Ephesoft for critical mortgage loan solution.

Ephesoft Inc., the leader in providing advanced cloud-ready capture solutions, today announced the sale of a large-scale enterprise class system to one of the world’s largest BPOs. The sale followed an exhaustive proof-of-concept exercise in which Ephesoft bested seven other competitors.

The solution will process over 450 million pages of mortgage files by automatically classifying and separating a wide variety of document types and then extracting key metadata for further processing. Searchable PDFs will be created in a tabbed format and deposited into their IBM Content Manager ECM. The BPO selected Ephesoft primarily for its unique 3 tier architecture which provides flexibility in scaling for all size projects and extensive security at each tier. The solution is 100% browser-based and provides for load balancing, high availability, and disaster recovery.

Ike Kavas, CTO of Ephesoft, commented "In addition to the above features and benefits that Ephesoft brings, this BPO plans to expand on its Open Source systems. The current Ephesoft system uses Linux-based web servers and Windows-based Application Servers. However, they are planning to have a 100% Linux platform to support their business. Since Ephesoft is the only platform today that can deploy an Intelligent Document Capture system running on Linux and work with other open source systems such as Ubuntu and RedHat, partnering with Ephesoft was the logical choice. "

“While keeping technology solution costs as low as possible are a necessity for all BPO providers, the proper technical solution was most important here due to the complexity of the documents and the enormous volume of documents. So once the technology was proven to perform well, our standard benefits of unlimited volume with unrestricted user counts quickly sealed the deal. ” said David Talarico, Senior Vice President of Sales & Marketing, Americas at Ephesoft. “Our easy-to-implement platform and unique business model are perfectly suited to BPOs who must respond to new opportunities quickly and efficiently. No other ‘intelligent capture’ solution fits the BPO and Cloud-Centric environment as well as Ephesoft.”

About

Ephesoft, Inc. is headquartered in Irvine, California with an office in Maidenhead, England. Ephesoft’s document capture solutions are open-source and cloud-ready, offering extreme flexibility and accessibility for a wide range of customers. The company has been experiencing rapid growth in both the US and EMEA markets. For more information visit http://www.ephesoft.com or call (949) 335-5335.

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More Mortgage questions please visit : QEOK.com

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Attorney Brittany Campbell Joins The Gallagher Law Firm

Brittany Campbell has joined the Gallagher Law Firm with offices in Lansing, Detroit, Grand Rapids and Mt. Pleasant. Ms. Campbell will focus her practice on representing lenders and corporate clients in litigation and regulatory matters.

Representative Experience:

•     Reviewed and resolved numerous real estate title matters.
•     Represented title insurance companies with various real estate and mortgage disputes involving priority and possession claims.
•     Successfully resolved dozens of real estate title curative matters quickly, efficiently, and without need for litigation.

About The Gallagher Law Firm

The Gallagher Law Firm is a regional firm located in mid-Michigan, providing statewide legal service in the areas of business law, estate planning and probate, tax law, real estate, bankruptcy, collections and litigation. The firm's AV-rated, highly experienced attorneys offer responsive and efficient representation not always available at larger firms. The Gallagher Law Firm is well-established and looks forward to working with you. Learn why the firm's clients consider The Gallagher Law Firm to be a trusted, insightful and experienced partner for their legal needs.

Gallagher Law Firm is a member of the International Society of Primerus Law Firms.

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