Home owners at risk of losing their homes may now have an avenue of recourse. Lisa Beth Older, a New York Attorney, will perform an in-depth constitutional analysis of present bank lending practices which will be offered as a basis for a proposed Congressional review. Victims of lending abuses are invited to join in the submission of a brief one-page complaint addressed to Lisa Beth Older, Esq. so that an assessment can be made as to whether or not the latest lending policies are widespread, whether they intentionally violate anti-trust laws, whether the constitutional rights of individual consumers in the free market place have been violated, and whether or not legislative or judicial intervention is warranted.

“The housing crisis is caused in large part by predatory banking practices.” The government is planning on bailing out the very institutions that caused the home foreclosure crisis without similarly bailing out victimized home owners suffering from unduly high interest rates. These suspect loan practices use unfair or fraudulent loan criteria to deny credit to the credit-worthy. The lending practices currently being reviewed involve refusal of lending institutions to provide pre-existing borrowers with the same interest rate currently offer to new borrowers. The current high paying borrowers were lured into low flexible variable rate loans, and were verbally promised lock-in rates if rates increased. After the rates increased exponentially, borrowers locked in their loans at significantly higher fixed interest rates relying upon the lender’s promise that once interest rates declined again they could always convert their loan back to an adjustable variable rate. However, these high paying borrowers, in reliance upon this misleading information, applied for the adjustable loan and were unceremoniously declined. Presently it appears that while new customer loan applications are being accepted, pre-existing mortgagor applications have been denied by the same institution that offered them their previous low interest variable rate home equity loan in the first instance. Accordingly, as attorney Lisa Beth Older says, “All government bail-outs offered to lending institutions should be contingent upon bail-outs for borrowers victimized by predatory practices.” The government’s failure to regulate banks has resulted in the flagrant violation of constitutional rights, alleges attorney Lisa Beth Older. It is a violation of equal protection under the law if a bank provides lower interest rate loans to new mortgagors, while refusing to refinance existing customer loans at the same interest rate where both of the aforementioned home loan borrowers are similarly financially situated with respect to their income, loan-to-risk ratio, and credit status. The result is that the middle class person with pre-existing excellent credit is stuck with a higher interest rate, the new borrower is able to secure a lower interest rate, and the banks can use both borrowers to cover the losses incurred in the foreclosure market due to their own predatory practices.

Moreover, lending institutions and commercial banks may very well be in violation of the Anti-Trust Act. Lisa Beth Older says that an investigation should be held by Congress to review any potential scheme of collectively engaging in the adoption of widespread abusive lending practice that refuse to re-finance loans for borrowers who had their house on the market within the last 90 to 120 days. This scheme has forced many home owners into foreclosure or debt. “The deplorable widespread lending practice of denying refinancing to qualified borrowers, who, in precedent months, listed their home for sale, should be carefully scrutinized by our government,” says Lisa Beth Older, Esq.

Commercial banks are further refusing to reduce interest rates for status quo customers with good credit based upon other bogus excuses such as the value to loan ratio is not sufficient, or by using old tax rolls in lieu of real estate appraisals. Lisa Beth Older, Esq. is further asking Congress for a moratorium on foreclosures. Lisa Beth Older will make application to hold a Congressional hearing if there is enough evidence of widespread abuse. If you feel you are a victim of such unfair bank practices feel free to mail your complaint to
FRONT DESK at Gateway Plaza (Attn Lisa Older Esq.)
375 South End Ave
Building 400
NY NY 10280

To ensure review, please be sure to bold FRONT DESK DELIVERY on the face of your envelope. Make it no more than one page. Include your name, address, telephone number, the financial institution in question, and your email address, together with a brief one-half (1/2) page description of how, when and why you were refused refinancing. Be sure you sign and/or notarize your complaint. Emails will not be accepted. All submissions longer than one page will be returned to the sender.

New York City Attorney Lisa Beth Older, Esq., through her client, is challenging Presidential Candidates John McCain and Barack Obama as to who will be the first to secure for the American people the one available penultimate energy source that can eliminate our reliance on foreign oil. The intellectual property rights are a national treasure and they are now available for sale. The battery technology owned by attorney Older's client is the answer to John McCain's promise of $300 million for the development of a new car battery technology. "This battery technology also answers Barack Obama's speeches imploring America to develop a new car battery that would rejuvenate America's economy, end the energy crisis, and provide thousands of job opportunities."

QUENSOR (TM) is the Quantum High Energy Density Storage or Retrieval Device that will revolutionize the way cars would be powered by a clean and cheap consumer friendly energy. This battery will help save our planet in peril and rid the need for pollutant lead batteries, oil, and carbon dioxide pollutant combustion engines, thus globally minimizing green house gases.

The question becomes "which of the two candidates has the chutzpah" to step forward, and make this urgently needed technology available to the people. This technology will place America on the map as the forerunner of renewable energy solutions, and will leave behind a global environmentally-friendly legacy for generations to come.

In an interview with Attorney Lisa Beth Older, attorney for the patent holder, Ms. Older states that her client's position is to sell this technology to America. However, in the event Senator John McCain or Senator Barack Obama, due to their own political ineptitude does not take advantage of obtaining this technology, then her client next offers any global investors, private, corporate or otherwise to be the first to benefit from this trillion dollar business opportunity, such as Japanese car manufacturers who historically have shown an interest in this technology and have a proven track record for buying significantly important intellectual property rights.

The technology is here, the timing is now, and our government needs to walk the walk and not just talk the talk. "We now challenge each candidate to show us the money and develop this much needed technology."

Attorney Lisa Beth Order's client owns the intellectual property rights to the technology QUENSOR (TM). The solid-state Quensor TM has an energy density of about 1-15killowatt- hours/kilogram, which is comparable to gasoline, or more. A fundamentally new principle and a new method of manufacture are employed. If the upper limit of 15 kilowatt-hours per kilogram is assumed, a 60 pound Quensor device can supply an electric car at 50 miles per hour for 30 hours, or a total of 1500 miles on a single charge. This technology is developed by the world renowned scientist and Presidential adviser for JFK and can quickly and efficiently integrate into the American economy.

High Profile New York Divorce Lawyer Lisa Beth Older, Esq. is pleased to announce that she now offers consumers FREE video divorce information on her website which was previously sold on the open market.

NYCdivorceLawyer.net offers many free chapters, anything from prenuptial to separation agreements to custody and child support, or whether it's information about Family Court, about custody, equitable distribution, uncontested divorces or contested divorces. You'll even find video divorce information about prenuptial agreements.

Attorney Lisa Beth Older wishes for this information to be helpful when contemplating a divorce or even preparing for marriage. You may now view "Divorce Tactics" the TV show FREE with New York City divorce Lawyer Lisa Beth Older, Esq. This free and easily obtainable comprehensive overview of information may be viewed in your own home and should help consumers and prospective clients understand the intricacies of divorce process without having to pay for the video which previously sold for $29.95.

People who do not want their dirty laundry aired in a court of law open to the public have a new option available to them in New York other than mediation regarding their New York Divorce and how to utilize New York City divorce lawyers.

Collaborative Law is a dispute resolution system that permits the parties in a New York divorce custody equitable distribution or family court matter to settle out of court in a respectful, private and mutually agreeable manner. Other cities are following suite. Consult with your divorce lawyer right away about this new development in the law. high profile divorce lawyer

This is how it works. Each party gets to have their own matrimonial attorney, but consent not go and file papers in any Court of Law. Instead, they meet with their lawyers and sometimes a psychologist on either side to work out their goals and objectives in a reasonably short framework of time. Reaching agreements with professionals at the table who have the same goal in mind, getting a just result in concert with legal principles of law gather discovery informally and try to reach an agreement or Stipulation of Settlement that can later be incorporated into an uncontested divorce where neither party needs to step foot into a courtroom. The lawyers will then does all the paperwork to complete the proceeding sand formalize your agreement and divorce.

Collaborative divorce works because the Judge does not make the decisions for you; you arrive at these on your own. If the parties fail to do so then collaborative divorces are discharged and you hire new attorneys. This can be a costly adventure. custody and family lawyer

New York State Divorce lawyers also offer mediation services but this is usually for litigants who are civil toward one another as one party who is stronger than the other may get the better result.

So as to the new service of Collaborative Divorce in New York call a New York City divorce attorney now to gain more insight as to how you can save time and money in achieving or finding a New York divorce lawyer that meets your needs.