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					                        American Foreclosure Specialists


I                                                          ("Client") hereby agree to make and appoint
American Foreclosure Specialists LLC ("American Foreclosure Specialists” or “AFS") my agent. For the
Client’s fee listed below, AFS will attempt to prevent the loss of Client’s home by reaching an agreement
with the Mortgage Lender (“Lender”) or other party servicing the account. American Foreclosure
Specialists will attempt to reach an agreement with the lender and stop further foreclosure proceeding
against Client’s home by reaching an agreement with the lender to put Client in one of the following
programs: forbearance agreement, loan modification, partial claim, repayment plan, or postponement of
the actual sale date of the property, (commonly and collectively referred to as "Workout Program").
Lender may present AFS with other programs to avoid foreclosure proceedings, which AFS may
recommend Client consider in avoiding foreclosure. The Workout Program will be based on the financial
information provided by the Client to AFS and Mortgage Lender.
American Foreclosure Specialists Shall:
AFS shall act as an agent for Client in negotiating with Lender.
AFS shall act to the best of its ability to achieve a Workout Program for Client. AFS will determine the
manner in which the services are to be performed and the specified hours to be worked by AFS. AFS does
not guaranty that it can stop Client’s home from being foreclosed. AFS’s obligations cease once a
Workout Program is obtained or the Agreement is terminated due to noncompliance by Client.
Client Shall:
Client shall promptly return telephone calls, emails or any other correspondence from AFS to Client. Client
shall call AFS at 866-544-0990; send correspondence to AFS at 10314 N. 138 E. Ave., Suite 103, Owasso,
Oklahoma 74055; and send documents via facsimile at 918-272-0991.
Client shall provide AFS with accurate and current financial information and financial history as requested
by AFS. The Client agrees to submit the completed AFS Financial Package within five (5) days from the date
American Foreclosure Specialists sends it, or an agreed upon timeframe otherwise. If AFS does not receive
a completed Financial Package within the appropriate timeframe, Client’s failure to act may
automatically terminate this agreement and the total fee is due immediately.
Client shall pay AFS the sum of nine hundred and ninety five ($995) dollars per Workout Program. This fee is
to be made in two payments: six hundred ($600) dollars is due at signing of this Agreement; three hundred
ninety five ($395) dollars is due within thirty days (30) from date of this agreement or prior to the submission
of the Financial Packet to the lender (whichever comes first) unless otherwise noted on the Authorization for
Automated Payment page of this contract or if there is a “Sale Date” established for your property. If a
“Sale Date” has been established, all fees are due 3 weeks prior to the “Sale Date”. If payments are not
made on time as indicated in this contract or as noted on the Authorization for Automated Payment page
of this contract, AFS reserves the right to terminate this agreement and the total fee is due immediately.
Client shall not attempt to negotiate with or contact Client's Lender. If Client communicates with the
Lender after this Agreement is entered into, such contact shall terminate this agreement and the total fee is
due immediately. Client shall immediately notify AFS if Client receives telephone calls, correspondence or
other communication from the Lender.
Money Back Guarantee:
AFS offers a money back guarantee if AFS cannot get Lender to offer a Workout Program to stop
foreclosure proceedings. If Client fails to perform all required obligations (ie Client fails to secure the funds
requested by the Mortgage Company as stipulated in a workout agreement, client fails to make payments
to AFS as agreed in this contract, or Client’s financial information provided to AFS indicates that Client
cannot afford the monthly mortgage payments), Client shall not be eligible for the money back
guarantee. AFS will not guarantee a case that has a sale date within twenty-one (21) days of the date that
AFS receives this Agreement (or if sale has already occurred) or if there is an escrow deficiency. If Client
has filed bankruptcy in the last three (3) years, or if the client has had a previous Workout with the
Mortgage Company the guarantee stated in this agreement shall not apply. If Client’s activities, whether
directly or indirectly, cause the Workout negotiations to fail, the guarantee stated in this agreement shall
not apply. If Client qualifies for a refund, Client shall make a written request postmarked within ten (10)
days of being notified by AFS that the Lender will not offer a Workout Program to Client.




              Fax all Signed And Dated Forms To 918-272-0991
AFS Contract Document Version 12.5.06                                                                Page 1 of 4
                        American Foreclosure Specialists


Payments:
At AFS’s option, all payments and other fees or charges due from Client will be made consistent with AFS’s
Preauthorized Payment System (Electronic Funds Transfer or "EFT" or Automated Clearing House Entry or
"ACH") or in a manner otherwise designated by AFS. A copy of AFS’s "Authorization for Automated
Payment" form is attached hereto and incorporated herein by reference. A penalty fee of Fifty dollars ($50)
will be assessed to and paid by Client on all checks paid to AFS that are returned for insufficient funds or for
any other reason. It is the Client’s obligation to assure that funds are available as agreed upon and
indicated in this contract.
Confidentiality of Information:
Client shall not disclose to third parties not a part of this Agreement any information obtained from AFS
such as its forms, documents or other information without AFS’s written consent.
Bankruptcy:
If Client elects to file bankruptcy after this Agreement is entered into, AFS shall have no obligation to return
any money to Client. Client shall not request bankruptcy advice from AFS representatives.
Liability:
AFS’s liability for breach of this Agreement is limited to the money received from Client. Client waives all
other possible remedies including but not limited to incidental and consequential damages. AFS
DISCLAIMS, AND CLIENT WAIVES, ALL OTHER WARRANTIES, WHETHER EXPRESSED OR IMPLIED, WITHOUT
LIMITATION.
Cancellation:
Client may cancel this Agreement within three (3) days of the date that the Agreement is signed by Client
for a refund of monies paid to AFS excluding a nominal processing fee. If Client cancels (for any reason)
after the third day, the total fee is due immediately; no refunds will be given. Client can only cancel in
writing. Client shall fax the signed cancellation request to the fax number listed below.
Entire Agreement:
This Agreement contains the entire agreement of the parties and there are no other promises or conditions
in any other agreement whether oral or written. This Agreement supersedes any prior written or oral
agreements between the parties. If any part of this Agreement is determined to be void or avoidable, the
remainder of the Agreement shall be in full force and effect as provided by law. AFS and Client may only
modify or amend this Agreement in writing signed by both parties.
Indemnity:
Client agrees to indemnify AFS and to hold AFS free and harmless from any and all claims arising out of this
Agreement.
Severability:
This Agreement shall be governed and interpreted under Oklahoma law. Client agrees and consents to
resolving all disputes that may occur between AFS and Client exclusively in Tulsa County, Oklahoma. If
Client files any proceeding, claim, lawsuit or grievance (“Dispute”) against AFS, Client acknowledges that
Client shall only file such Dispute in Oklahoma as provided in this paragraph.

DO NOT SIGN THIS AGREEMENT UNLESS YOU READ AND AGREE WITH ALL PROVISIONS.


Client Name:                                                Co-Client Name:


Signature:                                                  Signature:


Date:                                                       Date:




               Fax all Signed And Dated Forms To 918-272-0991
AFS Contract Document Version 12.5.06                                                               Page 2 of 4
                        American Foreclosure Specialists


             Bank & Financial Institution Authorization and Release Form


I hereby authorize American Foreclosure Specialists L.L.C. to request, obtain, and verify any and all
mortgage loan information, including but not limited to, payoff, arrearage, and reinstatement amounts as
well as financial history. The information American Foreclosure Specialists L.L.C. obtains is to be used for the
purpose of facilitating the resolution of my default.


Property Address:




Mortgage Co:


Loan Number:



Borrower

Name (Print):


Soc. Sec. No:                                                       Date of Birth:


Signature:


Date:




Co-Borrower

Name (Print):


Soc. Sec. No:                                                       Date of Birth:


Signature:


Date:




                Fax all Signed And Dated Forms To 918-272-0991
AFS Contract Document Version 12.5.06                                                               Page 3 of 4
                        American Foreclosure Specialists


Authorization for Automated Payment
The undersigned hereby authorizes American Foreclosure Specialists LLC (AFS) to initiate debit/credit entries
to the undersigned’s accounts indicated below for payment of sums due in connection with services by
the undersigned (or its agents) from AFS. The undersigned further authorizes the depository named below to
charge the indicated account.

Client Name (print):

I authorize AFS to initiate payment for the sum of sum of nine hundred and ninety five ($995) dollars per
Workout Program. This fee is to be made in two payments: six hundred ($600) dollars is due at signing of this
Agreement; three hundred ninety five ($395) dollars is due within thirty days (30) from date of this
agreement or prior to the submission of the Financial Packet to the lender (whichever comes first) unless
otherwise noted below. AFS reserves the option to debit the accounts in increments smaller than the total
amount due as long as it does not exceed the total amount authorized.




For Credit Card / Debit Card /Check Card:

 Card #:                        -                    -                       -

   Expiration Date:                 /
 3 Digit Card Verification #:




Name as it appears on the card:

Home/Billing Address:

City:                                                     State:           Zip:

Authorized Signature:                                                      Date:
(Authorization is null and void without signature)




              Fax all Signed And Dated Forms To 918-272-0991
AFS Contract Document Version 12.5.06                                                            Page 4 of 4

				
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