packet 1 of client contract new by nAnN0r

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									       CALIFORNIA FORECLOSURE ASSISTANCE INC.

                                      An Advocacy                          www.cafahelp.com
                                      Counseling agency
                                                                            (877) 600-CAFA


                                    CALIFORNIA FORECLOSURE ASSISTANCE INC.
     NEIGHBORHOOD ASSISTANCE ORGANIZATION




                                                                  COPY OF DRIVER’S LICENSE
client’s name: __________________________
cell: __________________________________
home ph: ______________________________
                                                                       copy of drivers license
client’s name: ___________________________
cell: ___________________________________                 copy of Driver’s License
home ph: _______________________________
                                                              Agent’s Confirmation Calls Texted for 1st appt:
client’s agent ____________________________
                                                              1) _________Date:______________
cell: ___________________________________
e-mail: _________________________________                     2) _________Date:______________

                                                              Agent present at 1st meeting to assist with
sponsoring agent _________________________
                                                              contract / required docs:




                                                                                                                Office Use Only
cell: ___________________________________
e-mail: _________________________________                     Yes _________            No _______

                                                              Agent’s Confirmation Calls Texted for 2nd appt:
Subject Property Address:
_______________________________________                       1) _________Date:______________
_______________________________________
                                                              2) _________Date:______________

Date of 1st appt:______________ time: ________                3) _________Date:______________
           nd
Date of 2 appt: _____________ time: _________
Date of review: ______________ time: _________




                                                                                                            1
        _____________ ______________ Client(s) initials
      CALIFORNIA FORECLOSURE ASSISTANCE INC.

                                                                         www.cafahelp.com
                                                                         ph: (877) 600-2232
                                                                         fax: (866) 619-7687

1. THIS SERVICES AND FEE AGREEMENT (“AGREEMENT”) is made and entered into on
this ____day of _________, 2012, by and between California Foreclosure Assistance Inc.,
located at 1001 Galaxy Way, Suite 107, Concord, CA 94520 (the “Corporation”) and

___________________________________________ (“Client(s)” or “Owner(s)”).

Corporation's phone number is (877) 600-2232, facsimile number is (866) 619-7687 and
electronic e-mail address is cafahelp@gmail.com.

This Agreement will not take effect, and Corporation will have no obligation to provide these
services, until Client returns a signed copy of this Agreement. Client will be provided with a
fully executed copy by mail or by e-mail.

The contract shall be written in the same language as principally used by the foreclosure
consultant to describe his or her services or to negotiate the contract. In addition, the
foreclosure consultant shall provide the Owner, before the Owner signs the contract, with a
copy of a completed contract written in any other language used in any communication
between the foreclosure consultant and the Owner and in any language described in
subdivision (b) of Section 1632 of the California Civil Code and requested by the Owner. If
English is the language principally used by the foreclosure consultant to describe the
foreclosure consultant's services or to negotiate the contract, the foreclosure consultant shall
notify the Owner orally and in writing before the Owner signs the contract that the Owner has
the right to ask for a completed copy of the contract in a language described in subdivision (b)
of Section 1632 of the California Civil Code.

       IF THIS AGREEMENT IS FOR CLIENT(S) WHO HAVE RECEIVED A NOTICE
       OF DEFAULT AGAINST THE SUBJECT PROPERTY LISTED BELOW, THE
       CLIENT(S) CERTIFIES BY INITIALING BELOW THAT THEY HAVE
       RECEIVED A NOTICE OF SALE DATE, WHICH IS SCHEDULED FOR
       _________________________

CAFA’s policy is that CAFA will not accept new clients that have received a “Notice of Sale”
date that will take place within 15 days of entering into a service agreement.

DISCLOSURE: I (client), declare that a sale date set by my lender on my property is not
within 15 days of retaining CAFA’s services.

Sign: ___________________________        Date: ____________________

                                                                                               2
       _____________ ______________ Client(s) initials
       CALIFORNIA FORECLOSURE ASSISTANCE INC.

2. INFORMATION REGARDING CLIENT’S MORTGAGE AND SUBJECT PROPERTY

Lender Name __________________________________________________________________

Loan Number __________________________________________________________________

Address of subject Property_______________________________________________________

In consideration of the mutual promises and agreements exchanged, California Foreclosure
Assistance Inc. and the Client(s) agree as follows:

3. SCOPE OF SERVICES.

Client(s) hires Corporation to perform a review and comprehensive analysis as to Client’s
eligibility pertaining to the subject property in regards to government and internal programs
offered by Client’s lender (“Analysis”). The Analysis will be provided to Client, in writing,
upon completion. In order to perform such Analysis, the Corporation shall perform all or some
of the following tasks, as necessary, based on the individual circumstances of the Client(s):
      Interview the Client, gather and review information about the current mortgage and
       terms, included but not limited to, Client's principal balance, debt, monthly payments,
       mortgage statements, current interest rate, type of mortgage, estimated equity in the
       property, if any, mortgage payment history and any correspondence from the Lender.
      Review other necessary information on the subject property, including: property
       profile, property taxes, homeowner's insurance, HOA information, and comparable sales
       and other applicable documents.
      Determine if the Client's mortgage is owned by a Federal Agency.
      Analyze Client’s income such as Client’s Federal tax returns, W-2's, Profit and Loss
       Statements if self-employed, pay stubs.
      Analyze Client’s asset holdings such as Client’s banks statements, retirement benefit,
       annuity, child support/alimony, stock and mutual fund portfolio and 401K.
      Analyze Client’s finances to calculate their monthly cash inflows and their monthly
       cash outflows.
      Collect Client’s schedules of real estate owned and leased.
      Perform a comprehensive review of Client’s assets, income calculations, and debt-to-
       income ratio calculations and formulas.
      Fully review the options available in the market place regarding any government
       programs such as the Making Home Affordable Program.
      Fully analyze and review the lender’s internally offered programs.


                                                                                            3
       _____________ ______________ Client(s) initials
      CALIFORNIA FORECLOSURE ASSISTANCE INC.
ONCE THE CLIENT RECEIVES CAFA’S COMPLETE ANALYSIS REPORT, CAFA WILL NOT
BE PERFORMING A LOAN MODIFICATION OR CONTACTING CLIENT’S LENDER TO SEEK
FORECLOSURE RELIEF ON BEHALF OF THE CLIENT(S). CAFA REVIEWS AND
ANALYZES CLIENT’S QUALIFICATIONS AND ELIGIBILITY AND LENDER’S POSITION
FOR POTENTIAL GOVERNMENT AND INTERNAL PROGRAMS OFFERED BY CLIENT’S
LENDER. CAFA DETERMINES “WHAT IT TAKES, REGARDING INCOME, EXPENSE AND
WITH RESPECT TO ASSETS, FOR THE CLIENT, TO PRE-QUALIFY FOR ANY NUMBER OF
LOAN MODIFICATIONS OR OTHER PROGRAMS BY CLIENT’S LENDER. THE CLIENT
WILL BE INFORMED IN THEIR “ANALYSIS PACKAGE” ABOUT THOSE
REQUIREMENTS.”

Services in any matter not described above will require a separate written agreement.

4. CLIENT’S DUTIES. Client agrees to be truthful with Corporation and to provide correct
information, to cooperate, to keep Corporation informed of any information or developments
which may come to Client’s attention, to abide by this Agreement, and to keep Corporation
advised of Client’s change of address, telephone number and whereabouts.

5. FEE. Client agrees to pay Corporation a fee of $3,550 upon the completion of services
described above. This fee is non-refundable.

6. DISCHARGE AND WITHDRAWAL. Corporation may withdraw for good cause. Good cause
includes Client’s breach of this Agreement, refusal to cooperate or any fact or circumstance
that would render Corporation’s continuing services unlawful or unethical.

7. DISCLAIMER OF GUARANTEE AND ESTIMATES. Nothing in this Agreement and nothing
in Corporation’s statements to Client will be construed as a promise or guarantee about the
outcome of the review and analysis and Client’s eligibility and qualifications on any programs
offered by Client’s lender. Corporation makes no such promises or guarantees. Client needs to
be aware that if Client chooses to pursue a loan modification based on the Analysis performed
by Corporation pursuant this Agreement, the Client's existing lender may not be obligated to
modify the terms of the mortgage in any way and ultimately may not agree to any changes to
the mortgage. Corporation’s comments about the review and qualification of any programs
offered are expressions of opinion only.

8. NO LEGAL, TAX OR BANKRUPTCY ADVICE. Client has been advised of the need to
consult with a tax attorney regarding the possible tax consequences of any decisions by Client
based on the outcome of this Analysis and any approach the Client may choose to consider.

9. ENTIRE AGREEMENT. This Agreement contains the entire agreement of the parties. No
other agreement, statement, or promise made on or before the effective date of this Agreement
will be binding on the parties.


                                                                                            4
       _____________ ______________ Client(s) initials
      CALIFORNIA FORECLOSURE ASSISTANCE INC.


10. GOVERNING LAW. This agreement shall be governed by and construed under the laws of
the State of California.


11. SEVERABILITY IN EVENT OF PARTIAL INVALIDITY. If any provision of this
Agreement is held in whole or in part to be unenforceable for any reason, the remainder of that
provision and of the entire Agreement will be severable and remain in effect.


12. MODIFICATION BY SUBSEQUENT AGREEMENT. Except as set forth herein, this
Agreement may not be amended or modified orally, and no provision of this Agreement may be
waived or amended except in a writing signed by the Client(s) and Corporation.


13. INDEMNIFICATION. The Client(s) agrees to indemnify, defend and hold the Corporation
harmless from all damages, liabilities, claims, obligation, disputes, litigation and/or judgments
(and reasonable attorneys fees and costs) which (I) arise from or are related to any incorrect
material information and /or material omissions in information supplied by Client(s) to the
Corporation and/or (ii) arise from or are related to any material facts that the Client(s) knows
but fails to disclose altogether or in a reasonably timely fashion.


14. TIME IS OF ESSENCE Time is of the essence with respect to every provision of this
agreement that specifies a time for performance.


15. CLIENT ACKNOWLEDGMENT, NO LEGAL TAX OR BANKRUPTCY ADVICE. Client
acknowledges that no one employed by Corporation is an attorney or has represented
themselves as an attorney, and that the Client has not met with an attorney at Corporation
and is not being represented by an attorney through Corporation. Client acknowledges that
Corporation is not a law firm and that Client has not been given legal advice by any
representatives of Corporation. Client acknowledges that no guarantees regarding the outcome
of the analysis has been given by any representatives of Corporation and that Corporation has
never implied or expressed in any form that its Analysis, or results of an Analysis can stop a
foreclosure or a trustee sale on any property.

Client acknowledges that neither Corporation nor any of its representatives have directed the
Client to skip and or not make any mortgage payments with any promises of benefits resulting
of such act. Client understands that failure to make mortgage payments could result in a
Trustee Sale and Foreclosure of Client’s property.


                                                                                               5
       _____________ ______________ Client(s) initials
      CALIFORNIA FORECLOSURE ASSISTANCE INC.


Client acknowledges that the Analysis to be performed by Corporation pursuant to this
Agreement is not a requirement for obtaining a loan modification from Client’s lender. Client
further acknowledges that the results of this examination and analysis may be used for
different purposes such as increasing Client’s awareness to available programs offered by
Client’s lender, but is not necessary for obtaining a loan modification and shall not constitute
loan modification services.


It is not necessary to pay a third party to arrange for a loan modification or other form of
forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a
change in your loan terms. Nonprofit housing counseling agencies also offer these and other
forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies
approved by the United States Department of Housing and Urban Development (HUD) is
available from your local HUD office or by visiting www.hud.gov. Based on new legislation, it is
now illegal for an attorney or any loan modification company to charge you upfront or advance
fees in connection with mortgage modification.

NOTICE REQUIRED BY CALIFORNIA LAW
California Foreclosure Assistance Inc. or anyone working for him or her
CANNOT:

           (1)      Take any money from you or ask you for money until
              California Foreclosure Assistance Inc. has completely finished doing
              everything he or she said he or she would do; and
           (2)      Ask you to sign or have you sign any lien, deed of trust, or deed.

16. CANCELLATION. Client(s) may cancel this transaction at any time prior to midnight of the
fifth business day after the date of this transaction. See attached notice of cancellation form, in
duplicate, for an explanation of this right.




                                                                                                 6
       _____________ ______________ Client(s) initials
    CALIFORNIA FORECLOSURE ASSISTANCE INC.

THE PARTIES HAVE READ AND UNDERSTOOD THE FOREGOING TERMS AND
AGREE TO THEM AS OF THE DATE CORPORATION FIRST PROVIDED SERVICES.
IF MORE THAN ONE CLIENT SIGNS BELOW, EACH AGREES TO BE LIABLE,
JOINTLY AND SEVERALLY, FOR ALL OBLIGATIONS UNDER THIS AGREEMENT.



    ______________________________________ ___________________________
    Client                                 Dated

    ______________________________________ ___________________________
    Client                                 Dated


    Address

    _______________________________________ __________________________________
    Home Phone                              Cell Phone


                                    California Foreclosure Assistance Inc.

                                     ________________________________
                                     Name:
                                     Representative
                                     California Foreclosure Assistance Inc.




                                                                              7
    _____________ ______________ Client(s) initials
      CALIFORNIA FORECLOSURE ASSISTANCE INC.



NOTICE OF CANCELLATION- (For Client To Return)

__________________
Enter date of transaction


       You may cancel this transaction, without any penalty or obligation, within five business
days from the above date.

        To cancel this transaction, mail or deliver a signed and dated copy of this cancellation
notice, or any other written notice, or send a telegram to

California Foreclosure Assistance Inc.
at 1001 Galaxy Way, Suite 107, Concord, CA 94520

You may also cancel by sending an e-mail canceling this transaction to the following e-mail
address: cafahelp@gmail.com

You may also cancel by sending a facsimile (fax) of a signed and dated copy of this cancellation
notice, or any other written notice, to the following number: Fax (866) 619-7687


___________________________
I hereby cancel this transaction _____________ (Date)


       ___________________________
       Client signature



       ___________________________
       Client signature




                                                                                                   8
       _____________ ______________ Client(s) initials
      CALIFORNIA FORECLOSURE ASSISTANCE INC.



NOTICE OF CANCELLATION- (For Client To Keep)

__________________
Enter date of transaction


       You may cancel this transaction, without any penalty or obligation, within five business
days from the above date.

        To cancel this transaction, mail or deliver a signed and dated copy of this cancellation
notice, or any other written notice, or send a telegram to

California Foreclosure Assistance Inc.
at 1001 Galaxy Way, Suite 107, Concord, CA 94520

You may also cancel by sending an e-mail canceling this transaction to the following e-mail
address: cafahelp@gmail.com

You may also cancel by sending a facsimile (fax) of a signed and dated copy of this cancellation
notice, or any other written notice, to the following number: Fax (866) 619-7687


___________________________
I hereby cancel this transaction _____________ (Date)


       ___________________________
       Client signature



       ___________________________
       Client signature



     I, Client, confirm receipt of a
     total of 9 pages of Agreement.




                                                                                                   9
       _____________ ______________ Client(s) initials

								
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