The Mesothelioma Options Help Center Encourages Navy Veterans to Call for Access to Attorneys at The Steinberg Law Group

Navy Pipe Welder

The Mesothelioma Options Help Center is Here for Veterans

The Steinberg Law Group Has the Experiences, Resources and Results to Obtain the Maximum Financial Compensation Possible

The Mesothelioma Options Help Center Encourages Navy Veterans Suffering from Mesothelioma to Call for Access to Experienced Attorneys at The Steinberg Law Group

I said, ‘Mr. Brown, do you mean to tell me you would let them work until they dropped dead?’ He said, ‘Yes. We save a lot of money that way.'”

— Charles H. Roemer, former Johns Manville employee speaking with the CEO

HOUSTON, TX, USA, August 21, 2019 / — The Mesothelioma Options Help Center is dedicated to providing the best possible legal and medical assistance to Navy veterans stricken with mesothelioma or asbestos-related lung cancer. Anyone wishing to discuss their legal options should call (888) 891-2200 to speak directly with a member of The Steinberg Law Group.

The Mesothelioma Options Help Center has endorsed The Steinberg Law Group because of their vast experience in handling mesothelioma and other asbestos-related cases. With offices in New York, California and Texas, The Steinberg Law Group has a national footprint that helps obtain the best possible financial compensation for clients.

From the 1930s to the 1970s, the Navy used massive quantities of asbestos insulation and fireproofing products in ships and submarines. Often, the worst asbestos exposure conditions in the military occurred on Navy ships and shipyards. To make matters worse, shipyard workers regularly returned home covered in asbestos dust, causing secondary asbestos exposure among loved ones.

Navy occupations with the highest risk of exposure include boiler technician, machinist’s mate, fireman, pipe fitter and fire control technician. Some Navy veterans even wore equipment made of asbestos cloth such as heat-resistant gloves for manning gun turrets. Exposure to asbestos took place at naval facilities and bases in states such as Georgia, Florida, Illinois, Virginia, Maine, Connecticut, California, Washington, Maryland, South Carolina and Hawaii. Even if the asbestos exposure occurred outside of a Navy vet’s home state, The Steinberg Law Group can still get the best financial compensation possible.

For the best possible medical treatment for mesothelioma and asbestos-related lung cancer, call (888) 891-2200 so a member of our team can determine which hospitals and doctors in our vast national network are most convenient for victims of asbestos exposure.

States with the highest incidence of mesothelioma include Alaska, New Jersey, Washington, Maine, North Dakota, California, Nevada, Montana, Pennsylvania and West Virginia. For more information about mesothelioma and asbestos-related lung cancer in your area, visit or call (888) 891-2200 now.

Monica Rivera
The Mesothelioma Options Help Center
+1 888-891-2200
email us here
Visit us on social media:

Source: EIN Presswire

GPB Capital Investors Attempt to Recover Losses

GPB Capital

GPB Capital

GPB Capital investors are seeing massive declines in value and fearing for the worse following a series of bad news and investigations.

PALM BEACH, FL, USA, August 21, 2019 / — GPB Capital investors continue to receive more negative news this month. With allegations of a "ponzi-like" scheme coming from a former business partner in pending Massachusetts litigation. This following reports of substantial losses for investors including some GPB funds reporting over 74% losses.

Many investors are understandably worried about losing their investment principal and they are taking action against brokers-dealers and financial advisers who sold them to GPB Capital.

Jason Haselkorn, Partner at Haselkorn & Thibaut. P.A., a national securities fraud law firm, said: "Our firm is getting many calls from investors who are fearing the worst."

Mr. Haselkorn continues, noting: "We have over 40 years of experience with investment fraud type matters, and investors seem to be particularly concerned regarding GPB Capital funds.”

One explanation for that concern might be the significant and widespread dispersion of GPB Capital sales all over the country.

With over 60 broker-dealer firms earning commissions for having sold GPB investments to clients all over the country, it is no surprise in recent months that we have received calls from investors who have asked us to begin investigating a number of potential claims involving some of those firms, including, but not limited to: Hightower Securities, Royal Alliance, FCS Securities, Woodbury, Madison Avenue Securities, Dawson James Securities, and 60 other brokers.

GPB investors have limited time to submit their claims for recovery of investment losses. Investors who want to recover their losses or consider options can get a free case and portfolio overview by calling 1-888-628-5590.

Attractive investment income may not have always been accurately represented to some investors in GPB Capital funds. Also surprising to many investors are the extremely high commission rates paid to the financial advisoers and broker-dealer firms that recommended and approved the transactions. According to Investment News, financial advisers received more than $100 million in commissions!

At least some of the negative news began last July, as litigation in New York was pending between GPB Capital and a former partner and the allegations in that case raised some concerns for investors. Other issues raising further concerns for many investors include:

• GPB has delayed filing audited financial statements;

• August 2018: GPB announced that no new investor capital would be accepted;

• November 2018: the GPB auditor, based on perceived risk issues, resigned; and

• December 2018: FINRA and SEC launched independent investigations into GPB.

• February 2019: the FBI invaded the GPB offices.

The sole purpose of this release is to investigate the way in which GPB Capital funds were approved for sale by any broker-dealers to investor clients. If you have any knowledge or experience with these matters, please contact Haselkorn & Thibaut, P.A. at 1-888-628-5590, or visit the law firm's website at

About Haselkorn & Thibaut

Haselkorn & Thibaut is a national law firm that specializes in investment fraud matters and FINRA arbitrations. They represent both individual and institutional investors to aggressively recover investment losses for victims of investment fraud.

Jason Haselkorn
Haselkorn & Thibaut, P.A.
+1 888-628-5590
email us here

GPB Capital – Investor Alert

Source: EIN Presswire to Debut EaslerLMS E-Commerce Platform at the 2019 SAPAA Conference in Philadelphia

Easler Learning Management System

Easler Learning Management System, announced today that it will debut its new online platform at the 2019 Annual SAPAA Conference taking place from September 16-19, 2019.

Our platform aims to be a centralized host of quality, up-to-date content that can be shared by industry professionals including program administrators and third party administrators.”

— Andrew Easler

ORLANDO, FLORIDA, UNITED STATES, August 21, 2019 / —, the leader in drug and alcohol testing training and education announced today that it will debut its new online platform at the 2019 Annual SAPAA (Substance Abuse Program Administrators Association) Conference taking place from September 16-19, 2019 at the DoubleTree by Hilton Hotel Philadelphia Center City, 237 S. Broad St., Philadelphia, PA 19107. The platform hosts unique, industry-specific training programs designed for industry leaders and stakeholders.

Andrew Easler, a career educator and co-founder of summarizes the motivation for the new platform, “the laws regarding training in the drug and alcohol testing industry provide for very little oversight. Even though the bar for minimum training standards is often set fairly low, there are still too many in-person and online training programs out there that consistently miss the mark. I have trained individuals who have been working in the industry and taking recurrent training consistently for decades–individuals who should, by their experience, be industry gurus–and have been amazed to find that they were never taught critical aspects of a procedure in any of their courses. They have been collecting specimens, conducting breath tests, or making reasonable suspicion determinations incorrectly sometimes for decades and no one along the way corrected them in training. I see a serious issue with that. Our platform aims to be a centralized host of quality, up-to-date content that can be shared by industry professionals including program administrators and third party administrators.”’s learning platform helps respected industry leaders including C-SAPA’s and other industry professionals to integrate learning solutions to their programs. In-house Designated Employer Representatives (DERs) and Drug and Alcohol Program Managers (DAPMs) have the option to easily invite users to the platform, purchase credits, manage their enrollment, monitor progress, and download certificates from one co-branded portal. Similarly, third party administrators will have the same options and the additional option to integrate an e-commerce system, allowing clients to purchase courses and earn commissions directly from their site.

Conference attendees can find at booth #33. Attendees will be able to meet with company co-founder James Timothy White and instructor Wade Douty who will be giving away prizes and answering questions about the program.

About is operated by Easler Education Inc. and provides the training and skills necessary for industry professionals including supervisors, drug and alcohol program managers, collection site personnel and drug testing entrepreneurs to make a positive and lasting impact in the struggle against substance use and abuse in the workplace. The course offering covers most aspects of a drug and alcohol-free workplace ranging from Designated Employer Representative (DER) courses and Supervisor Reasonable Suspicion training to DOT and Non-DOT drug and alcohol testing training.

About SAPAA:

SAPAA is a non-profit trade association whose members represent alcohol and drug testing service agents, including third-party administrators (TPAs), in-house administrators, medical review officers (MROs), DHHS Certified Laboratories, Substance Abuse Professionals (SAPs), manufacturers of testing devices, and collection sites/collectors. Our membership includes representation from all 50 states and Canada in all of the above professions. SAPAA is committed to providing members with up-to-date information concerning regulatory changes, state issues, industry trends, and member discounts on training courses and conferences.

James Timotny White
+1 888-390-5574
email us here
Visit us on social media:

Source: EIN Presswire

The Importance of Online Reviews For Law Firms


97% of clients read online reviews. Here’s how to make sure that your law firm is the top 1%.

PHILADELPHIA, PENNSYLVANIA, UNITED STATES, August 21, 2019 / — When was the last time that you went to a new restaurant without a personal recommendation via word-of-mouth? For most consumers, it has probably been a while.

The majority of consumers are naturally inclined to seek the opinion of others before trying a new restaurant, product, or service. On your own, you don’t know if that new Italian restaurant down the street is any good, but your coworker said he had a positive experience when he went over the weekend.

In your decision making process, that recommendation carries weight as a consumer. A staggering 97% of customers read product reviews before they make a purchase decision. And almost half of those customers interviewed said they would only trust a 4-star rating or better.

So you should pay attention to the quality of your law firm’s reviews. The issue for most local businesses is that getting five-star reviews takes time. To make matters worse, many law firms see social proof as being largely out of their control. Clients “feel the way they feel” about your law firm, even if you do everything right.

There are methods that allow you to receive more positive reviews, faster, and with better results. You just have to know where to look. Where do you start? By knowing how customer reviews work and how much they do impact your bottom line.

Here’s Why You Should Care About Online Reviews:
I’ve worked with many local business owners that did not care about their online reviews. Why put in so much money, sweat, and work into something just to “not care” that someone says you can do better?

If you’re one of those that “don’t care,” there are data-driven conclusions that undeniably prove why online customer reviews are important.

Negative reviews are hurting your business and affecting your online performance. That decline in earnings you’ve seen over the last few years might be a direct result of your poor reviews.

And what about your existing customers? Do they read reviews? The answer is yes!

Positive rankings drive 18% higher loyalty and 21% higher purchase satisfaction from customers.

And when you’re spending 5 – 25 times more to win a new customer as opposed to retaining one, that 18% loyalty rate looks pretty good.

Plus higher satisfaction improves your odds of getting more positive online reviews. Now, let's dive into how to make sure that your law firm is in the top 1%.

Know Which Online Review Sites to Utilize:
Today, there are plenty of review sites on the web, but not all of them are created equal. For example, Yellow Pages was the giant of directory listings in the last century. But most people don’t look to them now as a trusted source when they’re researching an unfamiliar business.

Focusing all of your efforts on an untrustworthy source is a waste of time. You need to focus your efforts on obtaining reviews on online review sites that are going to convert. The sites that you should be targeting should be well-known and easy for customers to leave reviews.

So where do the most influential reviews occur? In most cases, the Big 3 are Google, Facebook, and Yelp. They’re vital to potential clients when choosing legal representation, which makes them one of the digital lifelines to law firms.

And while the statistics will always vary from business to business, a combined 83% of patrons of service-related industries relied on Google, Yelp, and Facebook.

If you’re not getting reviews on one of these sites, it’s most likely for one of two reasons. You’re either:
Not on the site.
Or you are difficult to find on the site and your customers are unable to leave reviews.

The good news is that both of those issues are very easy to fix. Let’s start with Facebook.

Facebook Reviews:
Facebook is an increasingly popular social media site, with over 2.2 billion users. Being well-liked on this platform isn’t optional for most businesses.

No consumer is going to leave a review if you make it hard to find. Just like friction in a sales funnel, the momentum will die if your customer has to go on a long search for your reviews. So don’t make it too difficult for your visitor to progress to the next step. Otherwise, by the time they get there, their enthusiasm is gone.

If they can click once, write a review, and then submit, the experience is relatively frictionless. But if they have to hunt through a page to find where to go, the misdirection will curb momentum.

Yelp Reviews:
Failing to be on Yelp means you won’t be successful, especially if you’re a locally-based law firm. Yelp does require a little more of a hands-on approach than Facebook, though.

That’s because it weighs some reviews above others. Yelp is unique as it tries always to display the reviews that it deems “most helpful.” While you may not agree that a one or two-star review could be helpful, Yelp has a fair process in place.

They weigh the overall history of the reviewer, the feedback left on each review (e.g., a like on a review) as well as the quality of the reviews you already have to determine how to incorporate each new review.

How does this work for you?

The simple answer is that you need to get as many high-quality reviews as possible. Doing so will bring all of those well-reviewed benefits we discussed earlier.

While you can’t directly ask for reviews on Yelp, as that breaks their terms of service agreement, you can ask people to “check you out on Yelp.” Any format that works just so long as you don’t ask for a review.

So your best bet for positioning on Yelp is just personal pushing.

Set up your Yelp profile, claim your business, and display the sticker they send you in a prominent location. Then when you’re interacting with clients and receive positive feedback, direct them toward Yelp.

You can even include the Yelp badge on your website or email signature. It will encourage potential clients to check out your reviews and possibly even remind them to review you themselves.

It’s one of the ways Yelp stands out as a useful review and recommendation source against their competition. Advertising doesn’t give you any extra benefits. So instead, incentivize frequent reviewers to visit your business and leave favorable reviews.

Google Reviews:
Google offers a free business listing for all businesses known as Google My Business.

It complements your existing web presence by giving your business a home on Google while also allowing clients to find you, read reviews, or leave them once they’ve visited.

Now that you’re everywhere, you need to be to get reviews. Let’s look at a few techniques that you can start implementing to win high-quality social proof quickly:

Tip #1: Ask for a review
Many think it’s awkward to ask, but it’s really not. Think about it like you’re asking a friend if you can borrow their toolbox for a project.

You wouldn’t just beat around the bush and hope that your friend understands subtle hints that you need to borrow their stuff. You’d just come right out and say it!

The same thing works for business reviews. Any one-on-one format is an opportunity to find a way to ask for feedback.

I see customers approach a business owner to let them know how good their product or service is all the time. Take those opportunities to ask if they’d be willing to leave feedback!

Tip #2: Stay calm when you receive a bad review. Use it to your advantage!
One of the worst things you could ever do as a business owner is attack a bad review. It’s easy to get caught up in the emotions of a negative review. But don’t let them run your response.

If you respond negatively – or not at all, future clients and potential customers will see your response and make a decision about your business off of it. So always make sure to create a positive spin on a less-than-stellar review.

Simply keeping your cool and responding with professional courtesy can raise a bad review to a not so bad one. Plus, you can always use the opportunity to explain your company policies and attention to customer service further.

Tip #3: Integrate testimonials and optimize social proof
You may have noticed that many sites these days are putting testimonials right on their homepage. There’s a good reason for that.

Social proof has long been used as a way to ease the minds of new clients. And that’s why it’s starting to pop up on more than just review sites.

These short statements on your site‘ from satisfied current clients are a proven method to help your conversion rates.

I highly recommend finding a way to take some of your reviews and incorporating online testimonials throughout your website to help improve your conversion results and prompt further reviews.

The Importance of Online Reviews:
Online reviews are vital to a digital marketing strategy in order to gain new business and new clients, especially in the legal industry. Because reviews can been seen by everyone, they healvily impact both a law firm's online and offline success.

Failing to prioritize online reviews is more costly than many realize, and can directly affect your bottom line. Because consumers rely heavily on reviews and look to reviews before making a decision, it is good business for law firms to add online reputation management to their marketing strategy.

Successful reviews do not just happen overnight. Like any other aspect of business, it takes hard work to be in the top 1%.

Advisory Concept Evolvers Can Help With Reputation Management:
A positive online reputation is a very valuable business asset in today’s digital world. The ACE digital marketing team of reputation managers can build a positive online presence for your law firm and help with online reputation management. Contact us today for a free consultation!

Advisory Concept Evolvers:
Advisory Concept Evolvers, located at 2040 Market Street in Center City, Philadelphia, offers innovative legal marketing services to build your client book. We have the experience and proven results to make your law firm more profitable, efficient and relevant. To learn more about how our digital marketing experts can help with your law firm marketing, contact us today for a free consultation at 215-510-2167. We can put your law office back on track to achieve your business development goals!

About ACE:
Advisory Concept Evolvers, aka ACE, is a state of the art and cutting edge boutique law firm marketing agency pin-pointed in two locations nationwide — one in Philadelphia, PA, at the nexus of legal marketing in Center City, and one in Big Sky, MT, the fast-growing hub of western U.S. legal marketing opportunities. ACE is an expert digital marketing agency that specializes in law firms and providing incisive guidance to make a law firm stand out through marketing efforts, website content, and law firm SEO.

This release was drafted by Results Driven Marketing, LLC: a full-service digital marketing, public relations, advertising and content marketing firm located in Wynnewood, PA.

Related Articles:

Mary Ann Fasanella, CEO
Advisory Concept Evolvers
+1 215-510-2167
email us here
Visit us on social media:

Source: EIN Presswire

Joffrey Long, Hard Money Expert Witness, Answers Questions From Yesterday’s Article – Foreclosures and Trustees Sales

Mortgage Expert Witness

Joffrey Long

Test Your Foreclosure Knowledge: Answers to 19 Questions from Yesterday's Article

If you can answer 40% of these foreclosure questions, you’re ahead of most of the people in our industry.”

— Joffrey Long

LOS ANGELES, CA, UNITED STATES, August 21, 2019 / — How did you do?

Let’s look at some answers:

Just a note: The trustees sale proceeds are reduced by the trustee’s fees and expenses, so any available funds would be slightly less than the price at the sale. To avoid confusion, “trustees sale proceeds” or the “amount paid at the sale,” in this article, refers to the net amount paid, after deduction of any trustees fees and expenses.

Trustees Sale Bidding:

Answer: In this case, the $400,000 trustees sale proceeds represents $90,000 in “excess proceeds” above the lender’s full credit bid of $310,000. From the $90,000, $60,000 would go to pay off the second trust deed, and the remaining $30,000 would go to the holder of the 3rd trust deed.

While the third trust deed receives only $30,000 of the $100,000 owed to them, the foreclosure of the first trust deed eliminates the 3rd trust deed holder’s secured interest in the property. At this point, the former third trust deed holder can only look to the borrower or to any other collateral that secures the loan for repayment.

Regarding the second part of the question, where the same property sold for $500,000 at the sale: In this case, there are $190,000 in excess sales proceeds in excess of the lender’s bid of $310,000. The first $60,000 of excess proceeds would go to pay off the second trust deed, the next $100,000 would pay off the third trust deed, and the remaining $30,000 would go to the foreclosed trustor/owner, assuming there were no other recorded liens or judgements.

Second trust Deed:

A lender holds a second trust deed and the first trust deed (or any senior lienholder) forecloses. The foreclosure eliminates the secured interest of the second trust deed holder (or other junior lienholders) in the property being foreclosed. The loan or debt is not “wiped out,” as many would say. The “only” (although significant) consequence of the foreclosure is the elimination of the second trust deed holder’s secured interest in the property. The term “wiped out,” although commonly used, may give an incorrect picture of what is occurring.

Answer: When a senior lienholder is foreclosing, junior lienholders commonly attempt to protect their interest by advancing funds to reinstate the delinquent loan and cure the foreclosure. Depending on their loan documents, they may add the amount advanced to the total debt and charge interest on the advance at the note rate. They could then begin their own foreclosure.

The method I usually use is to wait until the first (or senior) trust deed holder schedules a trustees sale. Prior to the sale, the junior lienholder determines two amounts: 1- The amount that the property would have to sell for at the trustees sale to generate enough excess proceeds to completely pay off their junior lien 2- the amount that the junior lienholder would be willing to pay to acquire the property. Then, the junior lienholder brings their own funds to the trustees sale and if the highest third party bid at the sale is not enough to generate sufficient excess proceeds to pay off the junior lienholder, the junior bids higher and either 1-drives up the bid price so that the excess proceeds pay off their loan, (example: The first is going to sale with an opening bid of $250,000, my second is $50,000, so as long as the house sells for 300,000 or more at the sale, the excess proceeds would pay off my second.) or 2-acquires the property. This strategy depends heavily on the equity in the foreclosed property, the junior lienholder’s ability to administer and manage the acquired property, and most importantly, on the amount of any competitive bidding.

If you haven’t attended a trustees sale, I recommend it. What’s surprising is that the majority of sales, from the time bidding starts to the time the winning bidder is announced, occur is less than 60 seconds.

Delinquent property tax:

Answer: Remember, that the first trust deed is only the first TRUST DEED. It is not necessarily the first lien on the property. Property taxes are a “super-lien,” meaning that they “cut ahead” in line in front of any trust deed. At the point of foreclosure of the any trust deed, none of the proceeds of the trustees sale go to pay delinquent property taxes. In answer to the second part of the question, the successful bidder does not acquire the property free of the taxes, they remain unpaid.

IRS Lien:

Answer: First, when the first trust deed forecloses, none of the proceeds of sale go to pay off the IRS, at least not directly from the sale. From the $400,000 paid at the auction, $310,000 would go to pay the first trust deed and the remaining $90,000 would go to the former trustor/owner.

However, depending on wherever else the IRS lien shows up, the owner may later have additional funds removed from their bank account or otherwise garnished/confiscated.

The IRS has a 120-day redemption period where they can “re-purchase” the property from the successful bidder. They repay the bidder the cash that the bidder paid out, plus interest for the time their money was tied up.

IRS liens, like child support liens and certain judgements, are recorded with the county recorder against the individual, not necessarily against a specific property – but create a lien against any property owned by the individual in the county where the lien is recorded. Obtaining a title search on the property alone might not show the lien, but when the “statement of information” is obtained and checked by the title company, the additional liens impact title to the property.

Excess Proceeds:

Answer: With a trustees sale at $400,000, the first $270,000 would go to pay off the existing first. The “excess proceeds” are $130,000 and would be distributed to 2nd, 3rd, and other lienholders, if any exist. Any amount beyond what other lienholders get would go to the trustor/borrower. (foreclosed property owner)

Trustees Sale:

Who conducts the trustees sale?

Answer: The trustee, obviously, right? Not exactly. Although it is the trustee that administers the trustees sale, the truth in today’s practice is that trustee companies generally don’t conduct the physical auctions themselves. They generally have the companies that publish the required notices in papers of general circulation, (called “posting and publishing companies”) handle the actual auction process. Where there are hundreds of trustee companies with foreclosure sales occurring every day, there will usually only be 4 or 5 auctioneers at any county’s trustees sale location that day. Each auctioneer is an employee of one of the posting and publishing companies and is likely announcing as many as 100 or 200 different trustees sales for different trustee companies. The majority of all scheduled sales are announced as postponed for one reason or another, so each auctioneer may be calling a significantly smaller number of actual auctions.

Deed in Lieu of Foreclosure:

Answer: Not always.

The problem with a deed in lieu of foreclosure is that when someone deeds you property, you acquire whatever interest in the property they had at the time of delivery of the deed to you. If, since the loan was made, the borrower has “picked up” a few judgements, other liens, an IRS lien, and a child-support lien, all of those are now “attached” to the property. If you accept the deed in lieu of foreclosure, you now get to start trying to remove all of those liens, which may be impossible. If instead, you finish the foreclosure of your lien, which is senior to all the subsequent items against the property, your foreclosure “cleanses” the title, returning it to you with only liens that were senior to your lien.

Another alternative I’ve used is to agree to accept the deed in lieu, subject to obtaining acceptable title insurance on the transfer. Just as when you buy property, this gives you a careful search of the title and more importantly, a policy of title insurance against any unknown items that went against the seller’s title. In accepting a deed in lieu of foreclosure, even with title insurance, it may be worth it to consider having an escrow on the transaction. Ask your accountant, but it may be helpful to have an escrow closing statement to verify the “price paid” for the property for calculation of depreciation or profit on any later resale.

Lender’s Bidding at the Trustees Sale:

Answer: The maximum amount of a lender’s opening bid at the trustees sale would be the total of principal owing, interest due, late charges, funds advanced, attorney’s fees, and other amounts that are due to the lender. Added to all this are the trustees fees.

As to the next question, why would a lender ever want to bid LESS than the total amount owed?

Answer: When the lender/creditor bids the total amount they are owed, it is referred to as a “full credit bid.” The challenge with making a “full credit bid” is that when the lender bids the full amount they are owed, since they then “received” the property by its reverting to them as beneficiary, in exchange for the amount they bid, and may be deemed to have been “paid in full.” This can be a problem if there are other sources to collect from, such as hazard insurance policies, in some cases, title insurance policies, or funds available from any guarantors.

A possible solution is to enter a “less than full credit bid.” For example, if the total amount of the loan and all charges were $310,000, a lender might open with a bid of $75,000 of the 310,000, leaving $235,000 “unpaid.” This better enables the lender to pursue the unpaid amount through any possible other sources. If there are other bidders, the lender may increase their minimum bid until the bidding increases to an amount equal to, or in excess of an amount that they are willing to accept. If the bids do not rise to an amount that the lender will accept, then the lender will acquire the property.

A lender or loan servicer may also open bidding with a less than full credit bid to encourage the likelihood of a third-party bidder buying the property at the sale. If the lender’s total loan is $600,000 and the property is only worth $550,000, and the lender opens the bidding at the full $600,000, there likely won’t be third-party bidders and the property would revert to the lender. In taking back the property and re-selling it, netting $500,000 may be difficult, considering holding/repair costs and the time / effort in marketing the property for sale. An opening bid of $500,000, or some other bid lower than the estimated market value, could result in the lender getting cashed out quickly from the loan by a purchaser at the trustees sale.

Although potentially important with all types of loans, there may be more frequent consideration of bidding less than the “full credit bid amount” when acting as a loan servicer for loans in the category of private money or hard money lending.

Expert witness testimony is sometimes required in mortgage litigation matters, regarding whether or not lenders or loan servicers acted correctly in setting their opening bids or any subsequent bids for trustees sales. For more information about full credit bids, Google the article, “Full Credit Bids, Avoiding the $475,000 Mistake.” I co-wrote the article with Attorney John Hosack of the Buchalter Law Firm. It was published by the California Mortgage Association, the California private money (hard money) lender’s trade association.

Is the Trustees Sale “As-Is?” Are You Sure?

Trustees sales were originally thought of as being “as is,” with lenders or loan servicers never being expected, under any circumstance, to provide any information about the property condition.

In a 1991 case, “Karoutas vs. HomeFed Bank,” the lender was aware of severe geological problems and didn’t inform prospective bidders at the sale. Ultimately, a ruling was handed down that when the lender is aware of a property defect that is not of public record and would not be observable by a prospective bidder, they are required to make a disclosure when conducting a trustees sale.

Hard Questions: “Foreclosure 103” Judicial Foreclosure

We can foreclose through non-judicial foreclosure (standard notice of default, notice of sale and then a trustees sale) or we can foreclose through judicial foreclosure, where you file a court action to foreclose. Non-judicial foreclosure can take as little as about four months and the direct fees of the foreclosure may be less than 2% of the amount of the loan. Judicial foreclosure is a “full-on” lawsuit and could take years and cost tens, maybe hundreds of thousands of dollars.

Question: Why would anyone do a judicial foreclosure?

Answer: The most common reason is the potential to obtain a deficiency judgement against the borrower for portions of the balance that are not satisfied by foreclosing on the property. When non-judicial foreclosure is used, a deficiency judgement against the borrower cannot be obtained.

What other reasons are there?

In judicial foreclosure, it’s possible to have the court appoint a receiver to take over the property, collect rents, and otherwise administer the collateral. The receiver gets a court order authorizing them to collect rents. At times, the mere threat of appointment of a receiver causes certain borrowers to re-instate their loans, or at least “come to the table,” and make arrangements with the lender.

Could you start both a judicial and a non-judicial foreclosure at the same time?

Answer: Yes. Both a judicial and non-judicial foreclosure can be commenced at the same time, but only one can be completed. The reason for conducting both may be, for example, to file the judicial foreclosure in order to appoint a receiver but complete the non-judicial foreclosure as quickly as possible, once the receiver is in place.
Through my work in private money lending, expert witness consultation and testimony, as a loan servicer, and through reviewing relevant mortgage litigation cases from the Superior Courts and Federal Courts, as well as related laws and regulations, I’ve been fortunate to have had access to this fascinating (to me) area of trust deeds and real estate lending.

Joffrey Long is the President of Southwest Bancorp, a hard money lender and loan servicer in Los Angeles, CA. He testifies in mortgage litigation matters as a mortgage and hard money lending expert witness. He is a member of the Board of Directors and the Education Committee of the California Mortgage Association. He holds a Level I and Level II Trustees Sale Officer Designation from the United Trustees Association. He’s also the originator and sponsor of the Phillip M. Adleson Education Award, for excellence in mortgage education. He can be reached at or at

This article is for general purposes only. No action, decision, or opinion should be in any way based on any of its content. Nothing in this article should be considered a standard of care or a standard for reasonable or accepted practices.

Joffrey Long
Southwest Bancorp
email us here

Source: EIN Presswire

South Dakota US Navy Veterans Mesothelioma Advocate Now Offers A Navy Veteran with Mesothelioma in South Dakota Direct Access to Famed Attorney Erik Karst to Ensure Better Compensation Results

"Call the Advocate anytime at 800-714-0303-they provide direct access to attorney Erik Karst and his amazing colleagues at the law firm of Karst von Oiste for better mesothelioma compensation results.”

— South Dakota US Navy Veterans Mesothelioma Advocate

SIOUX FALLS, SOUTH DAKOTA, USA, August 21, 2019 / — The South Dakota US Navy Veterans Mesothelioma Advocate says, "We are dedicated to making certain a Navy Veteran with mesothelioma receives the best possible financial compensation especially if they live in South Dakota. At no charge we would be more than happy to help a Navy Veteran with mesothelioma in South Dakota or nationwide develop a list of how, when and where they were exposed to asbestos in what we call the list. The list is a super big deal because it becomes the foundation of a Navy Veteran's mesothelioma as we would like to discuss anytime at 800-714-0303." https://SouthDakota.USNavyMesothelioma.Com

To get the mesothelioma compensation job done the South Dakota US Navy Veterans Mesothelioma Advocate has endorsed the amazing lawyers at the law firm of Karst von Oiste for a Navy Veteran with mesothelioma in South Dakota. If a Navy Veteran with mesothelioma in South Dakota or their family would call the Advocate anytime at 800-714-0303 they provide direct access to attorney Erik Karst. Erik and his colleagues at the law firm of Karst von Oiste are incredibly passionate about seeing to it that Navy Veterans with mesothelioma get the financial compensation they deserve.

Note from The US Navy Veterans Mesothelioma Advocate; "We want to make certain a Navy Veteran with mesothelioma in not unknowingly talking with a mesothelioma marketing law firm that signs up people with mesothelioma and then brokers with other law firms to do the actual work. We are advocates for Navy Veterans with mesothelioma and we do not want to see them get overcharged on lawyer fees or expenses as we'd be happy to discuss anytime at 800-714-0303." https://USNavyMesothelioma.Com

The South Dakota US Navy Veterans Mesothelioma Advocate offers their free services to a US Navy Veterans with mesothelioma in Sioux Falls, Rapid City, Aberdeen, Brookings, Watertown, Mitchell, Yankton or anywhere in South Dakota. https://SouthDakota.USNavyMesothelioma.Com

For the best possible treatment options in South Dakota we strongly recommend the following world class heath care facility with the offer to help a diagnosed victim, or their family get to the right physicians at this amazing hospital. The Mayo Clinic-Rochester, Minnesota: https://www.

Every US Navy ship vessel built up to 1980 contained asbestos. Extreme exposure to asbestos may have occurred to US Navy Veterans if they were assigned to a navy ship’s engine room, as a machinists mate, electrician, plumber/pipefitter, mechanic, in engineering, as a repair crew member, as a crew member on a nuclear submarine or as a member of the Navy Seabees. Additionally, a US Navy Veteran could have received extreme exposure to asbestos if they were required to stay on their ship or submarine for a major repair, overhaul or retrofit at a shipyard. Asbestos exposure was so extreme on US Navy ships/submarines, about one third of all US citizens diagnosed with mesothelioma each year are Veterans of the US Navy. https:// USNavyMesothelioma.Com

The states with the highest incidence of mesothelioma include Maine, Massachusetts, Connecticut, Maryland, New Jersey, Pennsylvania, Ohio, West Virginia, Virginia, Michigan, Illinois, Minnesota, Louisiana, Washington, and Oregon.

For a listing of various classes of US Navy ships or submarines please visit the US Navy website on this topic: navydata/our_ships.asp.

For more information about mesothelioma please refer to the National Institutes of Health’s web site related to this rare form of cancer: https://www.cancer. gov/types/mesothelioma.

Michael Thomas
South Dakota US Navy Veterans Mesothelioma Advocate
+1 800-714-0303
email us here

Source: EIN Presswire

Missouri Congressional Delegation Split on Vote to End Abusive Practice of Horse ‘Soring’

Devices the PAST Act would outlaw

Devices the PAST Act would outlaw


Example of soring that enforcement of the Horse Protection Act would prevent

Cockfighting ring the “Big Lick” is likened to by most of the show horse world

Cockfighting match the “Big Lick” is likened to by most of the show horse world

Reps. Vicki Hartzler, Sam Graves, and Jason Smith Side with Abusers

We applaud Reps. Luetkemeyer, Clay, Cleaver, Wagner, and Long for their key role in helping usher the PAST Act to passage in the House – bravo.”

— Marty Irby, executive director at Animal Wellness Action

JEFFERSON CITY, MISSOURI, USA, August 21, 2019 / — The U.S. House of Representatives recently passed the Prevent All Soring Tactics (PAST) Act, H.R. 693, by a vote of 333 to 96. Bipartisan U.S. Reps. Blaine Luetkemeyer, Lacy Clay, and Emmanuel Cleaver, all cosponsors of the bill were joined by Reps. Ann Wagner, and Billy Long in voting for the passage of the PAST Act. U.S. Reps. Vicki Hartzler, Sam Graves, and Jason Smith voted against the bill – siding with animal abusers in the anti-animal protection vote.

The PAST Act seeks to strengthen the Horse Protection Act and end the torturous, painful practice of soring Tennessee Walking, Racking, and Spotted Saddle Horses. Soring, the intentional infliction of pain to horses' front limbs by applying caustic chemicals such as mustard oil or kerosene or inserting sharp objects into the horses' hooves to create an exaggerated gait known as the "Big Lick,” has plagued the equine world for six decades. This abuse is exhibited annually at the Tennessee Walking Horse National Celebration that begins today in Shelbyville, Tennessee.

Neither U.S. Senators Roy Blunt, nor Josh Hawley have cosponsored the Senate companion bill on, S. 1007, led by the senior U.S. Senator from Idaho, Republican Mike Crapo, that mirrors the House passed legislation, but Hawley’s predecessor former Senator Claire McCaskill was a longtime supporter and cosponsor of the measure during her time in Congress.

“We applaud Reps. Luetkemeyer, Clay, Cleaver, Wagner, and Long for their key role in helping usher the PAST Act to passage in the House – bravo,” said Marty Irby, executive director at Animal Wellness Action and past president of the Tennessee Walking Horse Breeders’ & Exhibitors’ Association. “Just a few years ago soring ran rampant in the state, but the good people of Missouri have worked hard to drive abusers out of the area, and the delegation’s support sends a strong message to the Senate that it should saddle up and schedule a vote to quickly pass the PAST Act.”

“The bottom line is you are either for animal cruelty, or you are against it,” said Rep. Ted Yoho (R-FL), lead Republican sponsor of the House PAST Act.

“As a cosponsor of the Prevent All Soring Tactics Act, I am pleased to see this bill have overwhelming bipartisan support in the U.S. House,” said Rep. Ron Estes (R-KS), one of the PAST Act’s leaders. This overdue legislation will protect horses from the abusive and harmful practice of soring by improving enforcement, increasing penalties and banning incentives to continue horse soring. It’s past time the PAST Act becomes law.”

“I support the humane treatment of all animals and remain committed to ending the cruel practice of soring,” said Senator Mike Crapo (R-ID), lead Republican sponsor of the PAST Act in the U.S. Senate. “I appreciate the House’s movement on the PAST Act. I will continue to work with my colleagues in the Senate to see that the legislation moves in the Senate and that current animal welfare laws are enforced.”

The PAST Act would ban the use of painful large stacked shoes and ankle chains and would also eliminate the existing system of self-regulation by the industry and toughen penalties for violators of the Horse Protection Act. It’s supported by the American Quarter Horse Association, Animal Wellness Action, the American Horse Council, American Veterinary Medical Association, American Association of Equine Practitioners, United States Equestrian Federation, National Sheriff’s Association, and Missouri Veterinary Medical Association.

The PAST Act has been blocked for years by a handful of well-placed lawmakers, but a new House rule triggering consideration of any measure that attracts 290 or more cosponsors brought the issue to the floor. PAST attracted 308 cosponsors and was led by Reps. Kurt Schrader and Ted Yoho (R-FL), cochairs of the Congressional Veterinary Medicine Caucus, along with Reps. Steve Cohen (D-TN), Ron Estes (R-KS), Jan Schakowsky (D-IL), and Chris Collins (R-NY). The Senate companion has garnered 43 cosponsors.

See what Members of Congress from across the nation have to say about the PAST Act by clicking here.

The Animal Wellness Foundation (Foundation) is a Los Angeles-based private charitable organization with a mission of helping animals by making veterinary care available to everyone with a pet, regardless of economic ability. We organize rescue efforts and medical services for dogs and cats in need and help homeless pets find a loving caregiver. We are advocates for getting veterinarians to the front lines of the animal welfare movement; promoting responsible pet ownership; and vaccinating animals against infectious diseases such as distemper. We also support policies that prevent animal cruelty and that alleviate suffering. We believe helping animals helps us all.

Animal Wellness Action (Action) is a Washington, D.C.-based 501(c)(4) organization with a mission of helping animals by promoting legal standards forbidding cruelty. We champion causes that alleviate the suffering of companion animals, farm animals, and wildlife. We advocate for policies to stop dogfighting and cockfighting and other forms of malicious cruelty and to confront factory farming and other systemic forms of animal exploitation. To prevent cruelty, we promote enacting good public policies and we work to enforce those policies. To enact good laws, we must elect good lawmakers, and that’s why we remind voters which candidates care about our issues and which ones don’t. We believe helping animals helps us all.

Marty Irby
+1 202-821-5686
email us here
Visit us on social media:

A Missouri “Big Lick” Exhibitor Rides in Columbia, Tennessee in May of 2019

Source: EIN Presswire

North Carolina Mesothelioma Victims Center Now Appeals to A Person with Mesothelioma Anywhere in North Carolina To Call Them For Direct Access to Famed Attorney Erik Karst-Get Honest advice About Compensation

North Carolina

Call us anytime at 800-714-0303 so we can get them on point as far as what they need to know about the mesothelioma compensation claims process.”

— North Carolina Mesothelioma Victims Centrer

CHARLOTTE , NORTH CAROLINA, USA, August 21, 2019 / — The North Carolina Mesothelioma Victims Center says, "We are appealing to a person with mesothelioma in North Carolina or their family to call us anytime at 800-714-0303 so we can get them on point as far as what they need to know about the mesothelioma compensation claims process. The mesothelioma compensation process involves not one claim but numerous claims involving products that contained asbestos that the diagnosed victim was exposed to.

"We are offering to help a person with mesothelioma in North Carolina to develop a list about how, where and when they were exposed to asbestos and this service-we offer a person with mesothelioma in North Carolina is free as we'd like to discuss anytime at 800-714-0303. The where, how and when you were exposed to asbestos is the foundation of your mesothelioma compensation claim." https://NorthCarolina.MesotheliomaVictimsCenter.Com

To get the mesothelioma compensation job done the North Carolina Mesothelioma Victims Center recommends the law firm of Karst von Oiste and their founding partner Erik Karst. The law firm of Karst von Oiste is one of the nation's premier mesothelioma law firms-and they make house calls. In other words-these extremely skilled mesothelioma lawyers will visit a person with mesothelioma in their home so they can develop a strategy to get the person with this rare cancer the best possible compensation results.

"If you have mesothelioma in North Carolina please call us at 800-714-0303 for direct access to attorney Erik Karst of the law firm Karst von Oiste."

The North Carolina Mesothelioma Victims Center wants to emphasize their campaign is a statewide initiative available to a diagnosed victim of mesothelioma anywhere in North Carolina including communities such as Raleigh, Winston-Salem, Charlotte, Greensboro, Fayetteville, Asheville, or Wilmington.

Aside from offering instant access to the nation's most skilled mesothelioma lawyers the Center is offering the best possible mesothelioma treatment options in North Carolina. The North Carolina Mesothelioma Victims Center strongly recommends the following three heath care facilities with the offer to help a diagnosed victim or their family get to the right physicians at each hospital.

* The North Carolina Mesothelioma Victims Center recommends the Duke Cancer Institute Durham, North Carolina:

* The UNC Lineberger Comprehensive Cancer Center Chapel Hill, North Carolina: or the Wake Forest University Baptist Medical Center

* Comprehensive Cancer Center Winston-Salem North Carolina:

The North Carolina Mesothelioma Victims Center says, "High-risk work groups for exposure to asbestos in North Carolina include Veterans of the US Navy, power plant workers, shipyard workers, steel mill workers, oil refinery workers, pulp, or paper mill workers, factory workers, plumbers, electricians, miners, auto mechanics, machinists, and construction workers."

The states indicated with the highest incidence of mesothelioma include Maine, Massachusetts, Connecticut, Maryland, New Jersey, Pennsylvania, Ohio, West Virginia, Virginia, Michigan, Illinois, Minnesota, Louisiana, Washington, and Oregon. However, mesothelioma does happen in North Carolina.

For more information about mesothelioma please refer to the National Institutes of Health's web site related to this rare form of cancer:

Michael Thomas
North Carolina Mesothelioma Victims Center
+1 800-714-0303
email us here

Source: EIN Presswire

Prolift, Avaulta, Apogee: Fistulas, Neuralgia, and other Maladies

Sling EBook

Sling Consequences – Read Our Latest E-Book

Injuries from banned devices continue past the date when devices were ‘voluntarily’ removed from the market or directed by the FDA to cease being sold in the US

SANTA BARBARA, CA, UNITED STATES OF AMERICA, August 20, 2019 / — “Serious Complications Associated with Transvaginal Placement of Surgical Mesh in Repair of Pelvic Organ Prolapse and Stress Urinary Incontinence” was the subject of the US Food and Drug Administration Notification on February 23, 2009. Unfortunately, despite this move to protect women’s health, manufacturers including Ethicon, continued to sell the Prolift and Prosima TVM devices, and American Medical Systems continued to sell the Perigee and Apogee TVM devices for years, injuring thousands of women until both companies voluntarily withdrew these products from the market.

On January 4, 2016 the FDA reclassified the polypropylene device used for transvaginal repair of pelvic organ prolapse as a Class III device which identifies them as a high risk device requiring additional data to support the safety and effectiveness for their use. Despite this order, Boston Scientific and Coloplast continued to push their devices, including the Uphold and Restorelle, into the market leading to ongoing injuries to unsuspecting women who likely received insufficient warning of the risk of injury from their providers. Finally, the FDA moved to ban all TVM polypropylene devices used for the surgical management of pelvic organ prolapse on April 16, 2019.

Unfortunately, newly diagnosed injuries for these banned devices are continuing well past the date when they were ‘voluntarily’ removed from the market or directed by the FDA to cease selling them in the United States. Pudendal neuralgia and obturator neuralgia cases are surfacing each week within the United States, occurring as the device degrades and contracts around the nerve either compressing or pulling on the nerves. Other complications include obstructive uropathy resulting in renal failure, chronic urinary infections related to infected mesh that has eroded into the urethra or bladder, or the dreaded fistula from bowel to bladder or from bowel to vagina.

Surprisingly, the American Urological Society (AUGS) has failed to act to recommend removing transvaginal mesh transobturator slings (TOT) and mini-slings from the market as these vaginal devices are placed blindly, do not account for anatomical variations of the obturator and pudendal nerve, and the results of their defective design is foreseeable – acute injuries soon after placement of the device or injuries years after implantation as the device contracts and degrades in the obturator internus muscle as it passes through the obturator foramen near the pudendal nerve and the obturator nerve.

For more information on Neurological Complications of Slings read our Free eBook. For articles, videos, and other valuable resources, visit our Pudendal Educational Portal or We can also be reached at 800-761-9206.

Greg Vigna
Greg Vigna, M.D., J.D.
+1 800-761-9206
email us here
Visit us on social media:

Source: EIN Presswire

The Strange Death of Jeffrey Epstein: Creating or Quelling a Conspiracy Theory

A hangman would have needed a rope at least 5 ft long to break Epstein's neck.

If one wanted to squelch conspiracy theories, the autopsy should have been videotaped, with live-streaming to several pathologists to guard against alteration or loss of evidence.”

— Jane Orient

TUCSON, AZ, UNITED STATES, August 20, 2019 / — The much-awaited testimony of Jeffrey Epstein, which might have implicated many powerful people in a pedophile ring, will not occur. The verdict from the “altar of truth”—the autopsy table—is not quelling the conspiracy theories.

The original conspiracy theory was that Lee Harvey Oswald, acting alone, did not kill President John F. Kennedy. This is still being discussed, most recently at the 37th annual meeting of Doctors for Disaster Preparedness. Interestingly, the celebrated 85-year-old pathologist, Dr. Michael Baden, who investigated the JFK assassination, observed the Epstein autopsy, presumably to assure credibility.

“An autopsy can only identify the injuries and the presumptive mechanism of death,” stated Jane Orient, M.D., president of Doctors for Disaster Preparedness. “It cannot generally say for certain that injuries were self-inflicted.”

According to publicly released information, “some bones” in Jeffrey Epstein’s neck were fractured, including the hyoid. The other bones of the neck are the cervical vertebrae—not so easily broken. “Could Epstein have fractured those bones by tying a prison bed sheet to the upper bunk and kneeling down?” Dr. Orient asks.

The science of hanging was developed in the 19th century, to make executions more humane, quicker, and less error prone. The professional executioner was supposed to break the prisoner’s neck swiftly, not have him die slowly by asphyxiation—and without ripping off his head. For this purpose, the drop table was devised to calculate the length of the rope.

The drop—the distance the culprit was supposed to be in free fall before the noose stopped him—depended on his weight. For a 200-lb man, a drop of about 5 feet was needed to develop the requisite 1,000 ft-lbs of energy. There is no trap door in the cell, Dr. Orient pointed out, nor is there a movable ladder to stand on. Epstein was nearly 6 ft tall, and the upper bunk was less than 7 ft high. A rope attached there could not have allowed a sufficient drop to break Epstein’s neck. And could a prison bed sheet be fashioned into a rope that could halt the fall of a 200-lb man? Why not get a 200-lb sandbag and find out?

“The autopsy raised these questions, but does not answer them.”

Having Dr. Baden observe also raises concerns, in Dr. Orient’s view. Did the Kennedy autopsy miss a fist-sized exit wound in the back of the skull, through which much of the brain was extruded, or were surgeons and nurses who attended JFK at Parkland Memorial Hospital either mistaken or lying? Where did the photograph of the back of JFK’s head, which showed no such wound, come from?

If one wanted to squelch conspiracy theories, Dr. Orient suggested that the autopsy should have been videotaped, with live-streaming to several pathologists to guard against alteration or loss of evidence.

So far, questions are multiplying faster than answers, Dr. Orient concludes.

Jane Orient
Jane Orient Enterprises
+1 520-323-3110
email us here
Visit us on social media:

Source: EIN Presswire