Terms and Conditions

SERVICE AGREEMENT FOR “HOPE FOR HOMEOWNERS CONSULTING, LLC”

THIS CONTRACT SERVICES AGREEMENT is made and entered into this day by and between the HOPE FOR HOMEOWNERS CONSULTING, and MEMBER/CARDHOLDER, THEREFORE, the parties hereto agree as follows:

1.0 SERVICES


1.1 With the purchase of the H4H Consulting Rescue Package Membership, Member will have access to experienced Hope for Homeowners Consulting experts for advice and will be available to answer questions that arise during the settlement process via email or phone.

1.2 With the purchase of the H4H Consulting Rescue Package Membership, if Member would like to attempt to sell the home, HOPE FOR HOMEOWNERS CONSULTING will refer the Member to an experienced loss mitigation company to directly negotiate a short sale/deed in lieu, while HOPE FOR HOMEOWNERS CONSULTING will manage/oversee this settlement process from beginning to end.

1.3 With the purchase of the H4H Consulting Rescue Package Membership, HOPE FOR HOMEOWNERS CONSULTING will provide Member a customizable ‘Do Not Call’ letter for the lender designed to limit harassing phone calls.

1.4 With the purchase of the H4H Consulting Rescue Package Membership, Member is entitled to receive a personal consultation with a licensed CPA to discuss tax consequences upon request. Member will be subject to separate fees from CPA if they retain the CPA. HOPE FOR HOMEOWNERS CONSULTING cannot be held liable or responsible for the information, omissions, and/or advice provided by the CPA.

1.5 With the purchase of the H4H Consulting Rescue Package Membership, Member is entitled to access our attorney network for legal advice from independent attorneys upon request. Member will be subject to separate fees from attorney if they retain the attorney. HOPE FOR HOMEOWNERS CONSULTING only provides information and cannot provide legal advice; an attorney can provide legal advice. HOPE FOR HOMEOWNERS CONSULTING cannot be held liable or responsible for the information, omissions, and/or advice provided by the independent attorney.

1.6 With the purchase of the H4H Consulting Rescue Package Membership, Member is entitled to receive a personal consultation with a licensed Property Manager to discuss available options. Member will be subject to separate fees from Property Manager if they retain the Property Manager. HOPE FOR HOMEOWNERS CONSULTING cannot be held liable or responsible for the information, omissions, and/or advice provided by the Property Manager.

1.7 With the purchase of the H4H Consulting Rescue Package Membership, Member is entitled to receive a personal consultation with a licensed Real Estate agent to discuss available options. Member will be subject to separate fees from Real Estate agent if they retain the Real Estate agent. HOPE FOR HOMEOWNERS CONSULTING cannot be held liable or responsible for the information, omissions, and/or advice provided by the Real Estate agent.

1.8 With the purchase of the H4H Consulting Rescue Package Membership, Member is entitled to receive periodic emails updating their case progression. HOPE FOR HOMEOWNERS CONSULTING cannot be held liable or responsible for incomplete or inaccurate information provided pertaining to status updates.

 

 

2.0  H4H Consulting Rescue Package Membership Letters, Products and Kits- Loan Modification Kit, Qualified Written Request, Written Action Plan, SCC Unit and ‘Do Not Call’ Letter

 
2.1 With the purchase of the H4H Consulting Rescue Package Membership, HOPE FOR HOMEOWNERS CONSULTING will provide Member the ‘Loan Modification Kit’ upon request. It is available as a “Free Download” from our website.

2.2 The ‘Loan Modification Kit’ will contain the following information and forms: 4506 T, Financial Statement, Loss Mitigation Phone Numbers 1 & 2, Alternatives to Foreclosure , Do Not Contact by Phone, Hardship Letter and Guidelines, Instructions and Best Practices, Loan Modification Checklist, and No Tax Returns No Pay Stubs No Bank Statements Form.

2.3 The ‘Loan Modification Kit’ will contain a section “Instructions and Best Practices” regarding how Member can improve their chances of success with their loan modification attempts. This will contain information and resources designed to help borrowers work with their lenders to modify their mortgage.

2.4 With the purchase of the H4H Consulting Rescue Package Membership, HOPE FOR HOMEOWNERS CONSULTING will provide Member the ‘Qualified Written Request’ upon request. This is similar to the Discovery Quest done by an attorney; the Qualified Written Request builds the foundation for your case. Under the Real Estate Settlement Procedures Act, your mortgage company is required, under penalty for non-compliance, to answer questions pertaining to your loan. This document can be sent to your lender, will request full disclosure of all pertinent information related to your loan, including copies. The servicer cannot provide information to any credit agency regarding any overdue payment during this 60 day period given to the mortgage holder during this review period.

2.5 With the purchase of the H4H Consulting Rescue Package Membership and also if separately purchased a ‘Written Action Plan (WAP)’on its own, HOPE FOR HOMEOWNERS CONSULTING will provide Member the ‘Written Action Plan (WAP)’. A ‘WAP’ contains a review of members financial situation with a Cash Flow and Net Worth Assessment, plan to deal with debts in both the Short & Long Terms, milestones to when member should expect certain action items to be completed. 

2.6 With the FREE download of the ‘Loan Modification Kit’ HOPE FOR HOMEOWNERS CONSULTING makes no guarantee as to results of loan modifications pursued by the homeowner (on their own) on with mortgages, the ability to stop collections calls, or any other results.  The information contained within the Kits are designed for informational purposes only and are in no way meant to replace legal and/or financial advice from a licensed professional. Every state and situation is different and every individual should consult with a qualified professional prior to making important financial and/or legal decisions that could carry serious consequences.

2.7 The ‘SCCU (Stop Collections Call Unit) is a device we lease to the Member that they will connect directly to their home phones. Our SCC Unit will manually take over collection calls and advise the caller you have retained a representative to address the purpose of their call and provide them a number to contact for future inquiries. This device will forward all collection calls to a call center where specific language will be read to caller that will initiate and reiterate the Member’s rights under FDCPA. The creditor will be advised not to call you again as that may be considered harassment per federal and / or state law, now that the caller knows payments can be recovered. Our system also keeps a log of the creditors / collectors for you. The ‘Do Not Call’ letter will contain language to initiate protections provided to individual under the FDCPA law, which is designed to protect borrowers from unjust collections practices.

2.8  Member agrees to not hold HOPE FOR HOMEOWNERS CONSULTING responsible for any consequences that come as a result of decisions made based on information contained within the H4H Consulting Rescue Package Membership Letters, Products and Kits- Loan Modification Kit, Qualified Written Request, Written Action Plan , SCC Unit and ‘Do Not Call’ Letter or on the H4Hconsulting.com website. All resources are provided for informational purposes only and should not replace the advice of a qualified professional.

3.0 SERVICE FEE


3.1 Contract Sum. For the services rendered pursuant to this Agreement, HOPE FOR HOMEOWNERS CONSULTING shall be compensated according to the following fee chart:

  • H4H Consulting Rescue Package Membership: $999.97 signup fee, $74.97 monthly recurring fee
  • Prepaid H4H Consulting Rescue Package Membership: $1999.97 one time enrollment fee

Items purchase separately:

H4H Consulting Rescue Package Membership Letters, Products and Kits- Loan Modification Kit, Qualified Written Request, Written Action Plan, SCC Unit and ‘Do Not Call’ Letter:

    • Qualified Written Requests: $39.97
    • SCCU & Collection Letters: $99.97 upfront fee w/ $19.97 monthly fee
    • Written Action Plan:  $199.97

3.2 Recurring membership dues will be collected on the 1st of every month of membership. With the first payment being drawn on the 1st of the following month after membership enrollment. 

3.3 Members that want to upgrade any of their “Items purchase separately” into our H4H Consulting Rescue Package Membership, can do so at anytime by contacting HOPE FOR HOMEOWNERS CONSULTING. All membership upgrades will be fully credited with any monies paid by member at time of upgrade request. All monies will be tallied upon upgrade request and HOPE FOR HOMEOWNERS CONSULTING will contact member to go over any pending credits/debits due to member to payment schedule up to date.

4.0 CANCELLATION OF MEMBERSHIP AND REFUNDS


4.1 Member may cancel H4H Consulting Rescue Package Membership within the first 30 days for a Full refund, minus the $199.97 fee for the WAP processed for the clients behalf, with written notice to HOPE FOR HOMEOWNERS CONSULTING. Due to the downloadable products and immediate services provided by HOPE FOR HOMEOWNERS CONSULTING, if Member cancels his/her membership beyond the 30 day time period, the minimum enrollment fee of $999.97 is non-refundable.

4.2 Membership dues will continue to be collected until member cancels service.

4.3 If Member cancels service, the cancellation will be placed into effect immediately.  No refunds will be given for cancellation after the 20th of the membership month. Any cancellations received after that date will be not be credited a refund for that months membership fee. Member will receive email confirmation of receipt within 48 hrs of cancellation request. 

4.4 Member may cancel any individual H4H Consulting Rescue Package Membership Letters and Products- Qualified Written Request, Written Action Plan, SCC Unit and ‘Do Not Call’ Letter H4H Consulting Rescue Package Membership within the first 10 days of order. But if not cancelled before the order has been completed, no refund will be given due to the downloadable products and immediate services provided by HOPE FOR HOMEOWNERS CONSULTING.

 

5.0 LEGAL AND FINANCIAL INFORMATION


5.1 With the purchase of the H4H Consulting Rescue Package Membership, Member is entitled to access to our Attorney and CPA networks and can, for an additional fee payable to the attorney and/or CPA, receive consultation(s) with attorneys and CPAs who can provide legal and/or financial advice. The information that Member receives from HOPE FOR HOMEOWNERS CONSULTING is to inform him/her about foreclosure and tax laws and is designed to help the Member safely cope with his/her own legal and financial needs. However, legal and/or financial information is not the same as legal and/or financial advice. The law as it applies to each individual varies with specific circumstances. HOPE FOR HOMEOWNERS CONSULTING does not provide legal or financial advice.

6.0 PROPRIETARY RIGHTS


6.1 Member is permitted to use content delivered to him/her from HOPE FOR HOMEOWNERS CONSULTING. Member may not copy, reproduce, distribute, or create derivative works from this content. Further, Member agrees not to reverse engineer or reverse compile any of HOPE FOR HOMEOWNERS CONSULTING technology.

7.0 USER CONDUCT


7.1 Member agrees not to use HOPE FOR HOMEOWNERS CONSULTING or the content or information delivered through HOPE FOR HOMEOWNERS CONSULTING in any way that would: (a) infringe any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy; (b) be fraudulent or involve the sale of counterfeit or stolen items, including but not limited to use of HOPE FOR HOMEOWNERS CONSULTING to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for HOPE FOR HOMEOWNERS CONSULTING or its affiliates or cause us to lose (in whole or in part) the services of a third-party provider; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) may potentially be perceived as being obscene or pornographic or contain child pornography, or racially, ethnically, or otherwise objectionable; (h) interfere with or disrupt computer networks connected to HOPE FOR HOMEOWNERS CONSULTING; (i) interfere with or disrupt the use of HOPE FOR HOMEOWNERS CONSULTING by any other user; (j) access the information and content manually by request and not programmatically by macro or other automated means; or (k) use HOPE FOR HOMEOWNERS CONSULTING in such a manner as to gain unauthorized entry or access to computer systems.

8.0 RESTRICTION ON CONSUMER USE OR RETAIL

 
8.1 Member agrees not to resell or make any commercial use of the services of HOPE FOR HOMEOWNERS CONSULTING. Member will be held liable for violating this policy, and any discovered violation will be subject to litigation, and we will hold you liable for all costs associated with pursuing legal action, not limited to, but including: filing fees, costs, and reimbursement of attorney’s fees and costs, connected with litigating any such violation.

9.0 YOUR INDEMNIFICATION OF HOPE FOR HOMEOWNERS CONSULTING


9.1 When Member uses HOPE FOR HOMEOWNERS CONSULTING, unless caused by our intentional misconduct or gross negligence, Member agrees to protect and fully compensate HOPE FOR HOMEOWNERS CONSULTING and its service providers and affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from Member’s use of HOPE FOR HOMEOWNERS CONSULTING, Member’s violation of this Addendum or Member’s infringement, or infringement by any other user of Member’s account, of any intellectual property or other right of anyone. 

If using a credit/debit card, Member authorizes HOPE FOR HOMEOWNERS CONSULTING to charge Member’s card for the fee listed above under section 3.0.

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