The homeowner assistance division is located in South Florida . It was put into place by Paul Krasker, head attorney of The Law Office of Paul A. Krasker, P.A., to help homeowners and real estate agents with homeowner solutions. HAD works closely with a lot of real estate agents to help provide them business while helping put money into the economy in South Florida. Any real estate agent that has a client that needs assistance can reach out to HAD as we do the same for all the agents we work with. For more information visit kraskerlaw.com . The Homeowner Assistance Division is overseen by Paul Baltrun, a loss mitigation expert with over 18 years of experience.

2. How We Can Help You How You Can Help Us
‣ Foreclosure Defense
‣ Full/Partial
‣ Asset Protection
‣ Bankruptcy
‣ Deficiency
Settlement
‣ HHF
‣ Debt Settlement
‣ Loan Modification
‣ Foreclosure Defense
‣ Hardest Hit Fund
‣ Credit Restoration

3. 
Must respond to summons within 20 days

RMFM program

HOA foreclosure

Last days prior to sale date

4. 
Promissory Note

Strategic Default

More funds up front = bargaining power

5. Chapter 7
‣ Wipeout all debt
except for student
loans, child support
and IRS
‣ Cannot save home
‣ Stop foreclosure sale
Chapter 13
‣ Can save your home
‣ Must pay back a
percentage of
unsecured debt over
3-5 years
‣ May be able to cram
down 2nd mortgage

6. 
Build relationships

Can be used as a tool for the realtor

Asset protection/deficiency balance negotiation

3rd party neutral recommendation
Buyer representative services
available

7. 


The US Treasury created the “Housing Finance
Agency Innovation Fund for the Hardest-Hit
housing Markets”
More than One Billion Dollar$ was awarded to the
state of Florida
The funds were allocated due to excessive
housing market depreciation and to assist in
foreclosure prevention efforts

8. 



Unemployment Mortgage Assistance Program (UMAP)
(with a cap of $12,000)
Mortgage Loan Reinstatement Payment (MLRP) Program
(up to $6,000)
The Law Office of Paul A. Krasker, P.A. was an assigned
Agency Advisor by the Florida Housing Coalition in
April, 2011
Since the assignment of our Agency, we’ve advised over
1500 homeowners

9. 
How do the Homeowners find our Agency?

Community outreach

What is our function?

11. ‣
What is the purpose of each service?
Credit Restoration
Debt Settlement
‣
Short Term
Long Term
When should you refer a client?
Benefits of each service

12. 
HAMP

Traditional/In-House

RMFM Program

Settlement options on 2nd mortgage

13. 
Stay In your home

Restructure loan rate

Restructure loan principal

Short Sale

14. How we can
help you
How you can
help us

15. 
Use the Homeowner Hotline:
 877-332-1965
 Free Consultations
 We track your referrals
Thank you for joining us today