Avoid mortgage modification and foreclosure rescue scams

foreclosureBy: Dennis Norman

Recently the The Office of the Comptroller of the Currency issued a Consumer Advisory.  The Advisory contains consumer tips for avoiding mortgage modification scams and foreclosure rescue scams.

The advisory states; “Scams that promise to “rescue” you from foreclosure are popping up at an alarming rate nationwide, and you need to protect yourself and your home.   If you’re falling behind on your mortgage, others may know it too – including con artists and scam artists.  They know that people in this situations are vulnerable and often desperate.”

The OCC suggests that before you do business with someone offering to negotiate a loan modification for you or to stop or delay foreclosure for a fee that you carefully check his or her credentials, reputations, and experience.  Watch out for warning signs of a scam, and always maintain personal contact with your lender and mortgage servicer.

The OCC lists the following examples of the scams to be on the lookout for:

  • Foreclosure “rescue” and refinance fraud.The scam artist offers to act as an intermediary between you and your lender to negotiate a repayment plan or loan modification and may even “guarantee” to save your home from foreclosure. You may be told to make mortgage payments to the scammer directly — along with significant, up-front fees — and be told that the scammer will forward the payments to your lender. In reality, the scammer may pocket your money and leave you in worse shape on your loan. The scam artist also may tell you to stop making payments or stop communicating with your lender. Don’t follow that advice.Remember that your mortgage lender should be the starting point for finding options to avoid foreclosure. You also should consider contacting qualified and approved credit counselors.
  • Fake “government” modification programs.Unscrupulous people may claim to be affiliated with, or approved by, the government or may ask you to pay high up-front fees to qualify for government mortgage modification programs. While government-supported mortgage modification and refinancing initiatives are legitimate, the scam artists’ claims are not. Keep in mind that you do not have to pay to benefit from these government programs. All you need to do is contact your lender or loan servicer.The scam artist’s name or Web site may be very similar to those of government agencies. The scam artist may use such terms as “federal,” “TARP,” or other words or acronyms related to official U.S. government programs. These tactics are designed to fool you into thinking the scam artist is somehow approved by, or affiliated with, the government. The government is taking actions to stop this fraud, but you also need to protect yourself. So be wary of claims offering “government-approved” or “official government” loan modifications. Your lender will be able to tell you whether you qualify for any government initiatives to prevent foreclosure. You do not have to pay anyone to benefit from them.
  • Leaseback/rent-to-buy schemes.In this type of scam, you are asked to transfer the title to your home to the scammer, who will, supposedly, obtain new and better financing and/or allow you to remain in the home as a renter and eventually buy it back. If you do not comply with the terms of the rent-to-buy agreement, you will lose your money and face eviction. The agreement may be very hard to comply with, because it may require, for instance, high up-front and monthly payments that you may not be able to afford. In fact, the scammers may have no intention of ever selling the home back to you. They simply want your home and your money.Remember that transferring your title does not change your payment obligations — you will still owe your mortgage debt. The difference will be that you will no longer own your home. If payments are not made on the mortgage, your lender has the right to foreclose, and the foreclosure and any other problems will appear on your credit report.
  • Bankruptcy scams. You may have heard that filing bankruptcy will stop a foreclosure. This is true — but only temporarily. Filing bankruptcy brings an “automatic stay” into effect that stops any collection and foreclosure while the bankruptcy court administers the case. Eventually, you must start paying your mortgage lender, or the lender will be able to foreclose. Bankruptcy is rarely, if ever, a permanent solution to prevent foreclosure. In addition, bankruptcy will negatively impact your credit score and will remain on your credit report for 10 years.
  • Debt-elimination schemes.Scammers may claim to be able to “eliminate” your debt by making illegitimate legal arguments that you are not obligated to pay back your mortgage. These scammers will provide you with inaccurate claims about applicable laws and finance, such as that “secret laws” can be used to eliminate debt or that banks do not have the authority to lend money. Do not stop making payments on your mortgage based on their claims.

 The advisory offers the following advice on how to protect yourself from these types of scams:

Always proceed with caution when dealing with anyone offering to help you modify your mortgage or avoid foreclosure. Remember that you do not need a third party to work with your lender — any such party should make the process easier, not harder and more expensive.

  • Contact your lender or mortgage servicer first. Speak with someone in the loss mitigation department for mortgage modification options and other alternatives to foreclosure. 
  • Make all mortgage payments directly to your lender or to the mortgage servicer. Do not trust anyone to make mortgage payments for you, and do not stop making your payments. 
  • Avoid paying up-front fees. While some legitimate housing counselors will charge small fees for their services, do not pay fees to anyone before receiving any services. Make sure you are dealing with a legitimate organization. 
  • Know what you are signing. Read and understand every document you sign. Do not rely on an oral explanation of a document you are signing — make sure that you read and understand what the document actually says. Otherwise, a document may obligate you to terms you don’t want or may even convey ownership of your home to someone else. Never sign documents with blank spaces that can be filled in later. Never sign a document that contains errors or false statements, even if someone promises to correct them. If a document is too complex to understand, seek advice from a lawyer you trust or a legitimate, trusted financial counselor. 
  • Do not sign over your deed without consulting a lawyer you select. Foreclosure scams often involve transfer of ownership of your home to a con artist or another third party. Never agree to this without getting the advice of your own lawyer, financial advisor, credit counselor, or other independent person you know you can trust. By signing over your deed, you lose the rights to your home and any equity built up in the home — and you are still obligated to pay the mortgage. 
  • Get promises in writing. Oral promises and agreements relating to your home are usually not legally binding. Protect your rights with a written document or contract signed by the person making the promise. Keep copies of all contracts that you sign. Again, never sign anything you don’t understand. 
  • Report suspicious activity to relevant federal agencies, such as the Federal Trade Commission, and to your state and local consumer protection agencies. Reporting con artists and suspicious schemes helps prevent others from becoming victims. If your complaint or question involves a national bank and you cannot resolve it directly with the bank, contact the OCC’s Customer Assistance Group by calling (800) 613-6743, by sending an e-mail to customer.assistance@occ.treas.gov, or by visiting www.HelpWithMyBank.gov
  • Contact a legitimate housing or financial counselor to help you work through your problems. 
    • To find a counselor, contact the U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or (877) 483-1515, or go to www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm
    • Call (888) 995-HOPE, the Homeowner’s HOPE Hotline to reach a nonprofit, HUD-approved counselor through HOPE NOW, a cooperative effort of mortgage counselors and lenders to assist homeowners. 
    • Visit NeighborWorks America’s Web site at www.nw.org/network/home.asp.

     

  • Visit the following Web sites for further information:  

     

  • Apply for a government-sponsored loan modification or refinancing. The U.S. government has developed a major loan modification and refinancing program to help homeowners find affordable loans and to save their homes. 

     

    Ten Warning Signs of a Mortgage Modification Scam 

    1. “Pay us $1,000, and we’ll save your home.” Some legitimate housing counselors may charge small fees, but fees that amount to thousands of dollars are likely a sign of potential fraud — especially if they are charged up-front, before the “counselor” has done any work for you. Be wary of companies that require you to provide a cashier’s check or wire transfer before they take any action on your behalf. 
    2. “I guarantee I will save your home – trust me.” Beware of guarantees that a person or company can stop foreclosure and allow you to remain in your house. Unrealistic promises are a sign that the person making them will not consider your particular circumstances and is unlikely to provide services that will actually help you. 
    3. “Sign over your home, and we’ll let you stay in it.” Be very suspicious if someone offers to pay your mortgage and rent your home back to you in exchange for transferring title to your home. Signing over the deed to another person gives that person the power to evict you, raise your rent, or sell the house. Although you will no longer own your home, you still will be legally responsible for paying the mortgage on it. 
    4. “Stop paying your mortgage.”Do not trust anyone who tells you to stop making payments to your lender and servicer, even if that person says it will be done for you. 
    5. “If your lender calls, don’t talk to them.”Your lender should be your first point of contact for negotiating a repayment plan, modification, or short sale. It is vital to your interests to stay in close communication with your lender and servicer, so they understand your circumstances. 
    6. “Your lender never had the legal authority to make a loan.”Do not listen to anyone who claims that “secret laws” or “secret information” will be used to eliminate your debt and have your mortgage contract declared invalid. These scammers use sham legal arguments to claim that you are not obligated to pay your mortgage. These arguments don’t work. 
    7. “Just sign this now; we’ll fill in the blanks later.” Take the time to read and understand anything you sign. Never let anyone else fill out paperwork for you. Don’t let anyone pressure you into signing anything that you don’t agree with or understand. 
    8. “Call 1-800-Fed-Loan.” This may be a scam. Some companies trick borrowers into believing that they are affiliated with or are approved by the government or tell you that you must pay them high fees to qualify for government loan modification programs. Keep in mind that you do not have to pay to participate in legitimate government programs. All you need to do is contact your lender to find out if you qualify. 
    9. “File for bankruptcy and keep your home.”Filing bankruptcy only temporarily stops foreclosure. If your mortgage payments are not made, the bankruptcy court will eventually allow your lender to foreclose on your home. Be aware that some scammers will file bankruptcy in your name, without your knowledge, to temporarily stop foreclosure and make it seem as though they have negotiated a new payment agreement with your lender. 
    10. “Why haven’t you replied to our offer? Do you want to live on the streets?” High-pressure tactics signal trouble. If someone continually contacts you and pressures you to work with them to stop foreclosure, do not work with that person. Legitimate housing counselors do not conduct business that way.
Print Friendly, PDF & Email

116 comments to Avoid mortgage modification and foreclosure rescue scams

  • Hi, I do believe this is a great site. I stumbledupon it
    ;) I will revisit once again since I book marked it. Money and freedom is the greatest way to change, may
    you be rich and continue to help other people.

  • naturally like your web-site but you have to take a
    look at the spelling on quite a few of your posts.

    A number of them are rife with spelling problems and I to
    find it very bothersome to tell the reality then again I’ll surely come back again.

  • Nice post. I was checking continuously this
    blog and I am impressed! Extremely helpful info specially the remaining section :) I deal with such information a lot.
    I was looking for this particular info for a very
    lengthy time. Thank you and good luck.

  • You could definitely see your skills in the article you write.
    The world hopes for more passionate writers like
    you who are not afraid to mention how they believe. Always
    go after your heart.

  • … [Trackback]

    […] Read More to that Topic: stlouisrealestatenews.com/foreclosure/avoid-mortgage-modification-and-foreclosure-rescue-scams/ […]

  • … [Trackback]

    […] There you can find 82920 more Info on that Topic: stlouisrealestatenews.com/foreclosure/avoid-mortgage-modification-and-foreclosure-rescue-scams/ […]

  • Amazing blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple adjustements would really make my blog stand out. Please let me know where you got your design. Cheers|

  • … [Trackback]

    […] Info to that Topic: stlouisrealestatenews.com/foreclosure/avoid-mortgage-modification-and-foreclosure-rescue-scams/ […]

  • … [Trackback]

    […] Read More to that Topic: stlouisrealestatenews.com/foreclosure/avoid-mortgage-modification-and-foreclosure-rescue-scams/ […]

  • SEO

    I very like this blog. Everything is cleared.

  • Appreciating the time and energy you put into your website and in depth information you provide. It’s great to come across a blog every once in a while that isn’t the same old rehashed information. Wonderful read! I’ve bookmarked your site and I’m including your RSS feeds to my Google account.|

  • Hi there would you mind letting me know which webhost you’re utilizing? I’ve loaded your blog in 3 different internet browsers and I must say this blog loads a lot quicker then most. Can you suggest a good web hosting provider at a fair price? Kudos, I appreciate it!|

  • Thank you a lot for sharing this with all people you actually recognize what you are talking about! Bookmarked. Please additionally discuss with my website =). We will have a hyperlink alternate agreement among us|

  • Please let me know if you’re looking for a writer for your site. You have some really great articles and I feel I would be a good asset. If you ever want to take some of the load off, I’d really like to write some content for your blog in exchange for a link back to mine. Please send me an e-mail if interested. Regards!|

  • Wow, this post is good, my sister is analyzing these kinds of things, thus I am going to convey her.|

  • If some one needs expert view about running a blog after that i propose him/her to visit this webpage, Keep up the pleasant work.|

  • great points altogether, you simply won a logo new reader. What could you recommend in regards to your submit that you just made some days in the past? Any sure?|

  • We’re a bunch of volunteers and opening a new scheme in our community. Your website offered us with helpful info to work on. You’ve performed a formidable process and our whole community will probably be thankful to you.|

  • Nice blog here! Also your web site loads up very fast! What host are you using? Can I get your affiliate link to your host? I wish my web site loaded up as fast as yours lol|

  • A person necessarily assist to make seriously posts I’d state. This is the very first time I frequented your website page and to this point? I amazed with the research you made to create this actual publish incredible. Excellent task!|

  • It’s really very complex in this full of activity life to listen news on TV, so I simply use the web for that reason, and take the newest information.|

  • I’m gone to convey my little brother, that he should also pay a quick visit this web site on regular basis to take updated from latest information.|

  • Great goods from you, man. I have be aware your stuff previous to and you are simply extremely excellent. I actually like what you have obtained here, really like what you’re stating and the best way wherein you assert it. You make it enjoyable and you continue to care for to keep it smart. I can not wait to learn far more from you. This is actually a wonderful website.|

  • Washer Pros of Austi – 603 Davis St #36, Austin, TX 78701, United States — (512) 352-9650

  • Washer Pros of Austin – 603 Davis St #36, Austin, TX 78701, United States — (512) 352-9650

  • Washer Pros of Austin – 603 Davis St #36, Austin, TX 78701, United States — (512) 352-9650

  • Hi there i am kavin, its my first occasion to commenting anyplace, when i read this paragraph i thought i could also create comment due to this brilliant article.|

  • Washer Pros of Austin – 603 Davis St #36, Austin, TX 78701, United States — (512) 352-9650

  • Washer Pros of Austin – 603 Davis St #36, Austin, TX 78701, United States — (512) 352-9650

  • Every weekend i used to go to see this site, because i wish for enjoyment, as this this website conations truly pleasant funny information too.|

  • Washer Pros of Austin – 603 Davis St #36, Austin, TX 78701, United States — (512) 352-9650

  • Washer Pros of Austin – 603 Davis St #36, Austin, TX 78701, United States — (512) 352-9650

  • Hi, I do believe this is an excellent blog. I stumbledupon it ;) I’m going to revisit once again since I book-marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide others.|

  • Hello mates, fastidious paragraph and fastidious urging commented at this place, I am truly enjoying by these.|

  • It’s actually a great and useful piece of info. I am happy that you simply shared this helpful information with us. Please stay us up to date like this. Thanks for sharing.|

  • Link exchange is nothing else however it is simply placing the other person’s website link on your page at suitable place and other person will also do same in support of you.|

  • I am sure this paragraph has touched all the internet users, its really really fastidious post on building up new website.|

  • I’m amazed, I must say. Rarely do I come across a blog that’s both educative and engaging, and let me tell you, you have hit the nail on the head. The problem is something that not enough men and women are speaking intelligently about. I’m very happy that I stumbled across this during my hunt for something concerning this.|

  • Wow, incredible weblog structure! How lengthy have you ever been running a blog for? you made blogging glance easy. The whole glance of your web site is wonderful, let alone the content!

  • When I initially left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I get four emails with the exact same comment. Perhaps there is a way you can remove me from that service? Appreciate it!|

  • I enjoy what you guys tend to be up too. This type of clever work and exposure!
    Keep up the terrific works guys I’ve included you
    guys to my own blogroll.

  • If you are going for most excellent contents like I do, only pay a quick visit this site all the time since it presents quality contents, thanks|

  • Howdy! This post could not be written any better! Reading through this post reminds me of my good old room mate! He always kept chatting about this. I will forward this post to him. Pretty sure he will have a good read. Thank you for sharing!|

  • Everything is very open with a precise description of
    the challenges. It was really informative. Your site is very useful.

    Thanks for sharing!

  • I’m really enjoying the design and layout of your website. It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out a designer to create your theme? Great work!|

  • Howdy excellent website! Does running a blog such as this require a great deal of work? I have very little knowledge of programming but I had been hoping to start my own blog soon. Anyways, should you have any suggestions or tips for new blog owners please share. I know this is off subject however I simply wanted to ask. Appreciate it!|

  • I feel that is one of the most important info for me. And i’m satisfied reading your article. But want to remark on some normal things, The site taste is ideal, the articles is really nice : D. Excellent job, cheers|

  • Good way of describing, and pleasant post to take data on the topic of my presentation focus, which i am going to present in university.|

  • … [Trackback]

    […] Find More here to that Topic: stlouisrealestatenews.com/foreclosure/avoid-mortgage-modification-and-foreclosure-rescue-scams/ […]

  • Hello! I could have sworn I’ve been to this website before but after checking through some of the post I realized it’s new to me. Nonetheless, I’m definitely glad I found it and I’ll be book-marking and checking back frequently!|

  • I simply couldn’t leave your site prior to suggesting that I really enjoyed the usual info a person supply to your guests? Is going to be again incessantly in order to inspect new posts|

  • Amazing! Its genuinely amazing article, I have got much clear idea regarding from this piece of writing.|

  • For the reason that the admin of this website is working, no uncertainty very shortly it will be famous, due to its quality contents.|

  • We stumbled over here different web address and thought I might check things out. I like what I see so now i am following you. Look forward to exploring your web page repeatedly.|

  • My programmer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on a number of websites for about a year and am anxious about switching to another platform. I have heard fantastic things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any kind of help would be greatly appreciated!|

  • I seriously love your website.. Great colors & theme. Did you build this website yourself? Please reply back as I’m hoping to create my own personal blog and would like to find out where you got this from or exactly what the theme is named. Thanks!|

  • Everything is very open with a really clear explanation of the challenges. It was really informative. Your website is very useful. Thank you for sharing!|

  • I quite like looking through a post that will make men and women think. Also, many thanks for permitting me to comment!|

  • Thanks for your personal marvelous posting! I definitely enjoyed reading it, you might be a great author.I will be sure to bookmark your blog and will often come back very soon. I want to encourage that you continue your great posts, have a nice holiday weekend!|

  • Why visitors still make use of to read news papers when in this technological world everything
    is accessible on web?

  • Good way of describing, and nice article to get facts about my presentation focus, which i am going to deliver in university.|

  • After exploring a few of the blog posts on your site, I honestly like your way of writing a blog. I saved it to my bookmark site list and will be checking back soon. Please check out my web site too and let me know your opinion.|

  • What’s up it’s me, I am also visiting this website on a regular basis, this site is actually nice and the users are truly sharing good thoughts.|

  • I really like your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz reply as I’m looking to construct my own blog and would like to know where u got this from. thanks|

  • Hey! This is my 1st comment here so I just wanted to give a quick shout out and tell you I really enjoy reading through your articles. Can you suggest any other blogs/websites/forums that go over the same subjects? Thank you!|

  • Have you ever thought about including a little bit more than just your articles? I mean, what you say is important and all. Nevertheless just imagine if you added some great graphics or videos to give your posts more, “pop”! Your content is excellent but with images and clips, this blog could undeniably be one of the most beneficial in its niche. Great blog!|

  • I would like to thank you for the efforts you’ve put in writing this blog. I’m hoping to view the same high-grade content by you in the future as well. In truth, your creative writing abilities has inspired me to get my own, personal website now ;)|

  • I rattling happy to find this website on bing, just what I was searching for :D besides saved to my bookmarks.

  • I genuinely appreciate your piece of work, Great post.

  • This is my first time pay a quick visit at here and i am actually pleassant to read everthing at one place.|

  • Perfect work you have done, this website is really cool with superb info.

  • Some times its a pain in the ass to read what people wrote but this internet site is really user genial!

  • I like this blog so much, bookmarked.

  • I view something genuinely interesting about your site so I bookmarked.

  • Very interesting topic, thanks for posting.

  • I like this website because so much utile material on here :D.

  • Thanks a lot for being my personal tutor on this theme. We enjoyed your own article greatly and most of all favored how you really handled the aspect I considered to be controversial. You are always incredibly kind towards readers much like me and help me in my everyday living. Thank you.

  • My spouse and i still can’t quite feel that I could be one of those reading through the important ideas found on this blog. My family and I are sincerely thankful for your generosity and for giving me the advantage to pursue this chosen profession path. Thank you for the important information I got from your blog.

  • I was examining some of your content on this site and I think this web site is really instructive! Continue posting.

  • Some times its a pain in the ass to read what people wrote but this internet site is really user genial!

  • I’m very pleased to discover this great site. I want to to thank you for ones time just for this fantastic read!! I definitely really liked every bit of it and i also have you saved to fav to check out new things in your site.|

  • Ahaa, its nice discussion regarding this article at this place at this weblog, I have read all that, so at this time me also commenting here.|

  • I have been browsing online more than three hours today, yet I never found any interesting article like yours. It’s pretty worth enough for me. In my opinion, if all site owners and bloggers made good content as you did, the web will be much more useful than ever before.|

  • Wow, this paragraph is nice, my sister is analyzing these kinds of things, thus I am going to tell her.|

  • These are actually great ideas in concerning blogging. You have touched some pleasant things here. Any way keep up wrinting.|

  • Thank you for the good writeup. It in fact was a amusement account it. Look advanced to more added agreeable from you! However, how could we communicate?|

  • Woah! I’m really enjoying the template/theme of this blog. It’s simple, yet effective. A lot of times it’s challenging to get that “perfect balance” between superb usability and visual appearance. I must say you’ve done a awesome job with this. Also, the blog loads very fast for me on Internet explorer. Superb Blog!|

  • Its such as you read my mind! You seem to grasp so much approximately this, such as you wrote the book in it or something. I think that you can do with a few p.c. to power the message home a little bit, however other than that, this is wonderful blog. A fantastic read. I will certainly be back.|

  • Hi, I do think this is an excellent site. I stumbledupon it ;) I am going to revisit once again since I book-marked it. Money and freedom is the best way to change, may you be rich and continue to help other people.|

  • That is very interesting, You are an overly skilled blogger. I’ve joined your feed and look forward to in the hunt for more of your wonderful post. Additionally, I have shared your web site in my social networks|

  • Hi, I do believe this is a great website. I stumbledupon it ;) I am going to return yet again since I saved as a favorite it. Money and freedom is the best way to change, may you be rich and continue to guide others.|

  • It’s very effortless to find out any matter on net as compared to textbooks, as I found this piece of writing at this website.|

  • Every weekend i used to pay a quick visit this site, as i want enjoyment, for the reason that this this website conations genuinely good funny material too.|

  • Thank you for the good writeup. It in fact was a amusement account it. Look advanced to more added agreeable from you! However, how can we communicate?|

  • I really like what you guys are up too. Such clever work and coverage! Keep up the wonderful works guys I’ve added you guys to my personal blogroll.|

  • Nice answer back in return of this query with genuine arguments and describing all concerning that.|

  • Hi there colleagues, how is the whole thing, and what you would like to say regarding this paragraph, in my view its truly amazing in favor
    of me.

  • Wonderful work! This is the type of info that are supposed to be shared around the net. Shame on Google for now not positioning this publish higher! Come on over and seek advice from my web site . Thank you =)|

  • Does your site have a contact page? I’m having trouble locating it but, I’d like to shoot you an e-mail. I’ve got some suggestions for your blog you might be interested in hearing. Either way, great blog and I look forward to seeing it develop over time.|

  • Greetings! I know this is kinda off topic but I was wondering which blog platform are you using for this site? I’m getting sick and tired of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be fantastic if you could point me in the direction of a good platform.|

  • Does your site have a contact page? I’m having a tough time locating it but, I’d like to send you an e-mail. I’ve got some recommendations for your blog you might be interested in hearing. Either way, great site and I look forward to seeing it develop over time.|

  • This is very interesting, You’re a very skilled blogger. I’ve joined your rss feed and look forward to in search of more of your fantastic post. Additionally, I have shared your website in my social networks|

  • Saved as a favorite, I like your blog!|

  • I have been browsing online more than 3 hours today, yet I never found any interesting article like yours. It is pretty worth enough for me. In my view, if all webmasters and bloggers made good content as you did, the net will be a lot more useful than ever before.|

Leave a Reply

You can use these HTML tags

<a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>