Posted on: 08th Dec, 2009 03:40 pm
I've just had a company called Embrace send me a pre-approved bill consolidation pamplet. This rush to close pressure is one warning flag that has stood up. I have read through a bunch of the posts and have been wondering if there would be any other inventors who have got the same package from Embrace? I am pretty sure I have made a connection between Embrace and a company call Davison that is supposed to help inventors. With the information gained through bill consolidation some nasty things could be done with a persons patent and I don't want to go there.
I've also noticed we have a David Noyce at Embrace/AFS and a Kurt Noyce at the Davison company?
Okay call me parinoid but I'm sure any of you inventors would understand this.
I've also noticed we have a David Noyce at Embrace/AFS and a Kurt Noyce at the Davison company?
Okay call me parinoid but I'm sure any of you inventors would understand this.
Welcome iswylie,
Did you apply for bill consolidation with Embrace? If not, then do not go overboard and accept the deal. It's good that you've decided not to go there. If you are facing a hard time to pay off your debts, contact your creditor and check out if he can help you in this regard. If you can negotiate with him, then the creditor will give you a repayment plan.
Did you apply for bill consolidation with Embrace? If not, then do not go overboard and accept the deal. It's good that you've decided not to go there. If you are facing a hard time to pay off your debts, contact your creditor and check out if he can help you in this regard. If you can negotiate with him, then the creditor will give you a repayment plan.
inventors are trouble, you know.
Formerly known as Advanced Financial Services. Mortgages only no inventions
was this supposed to be directed to "inveStors"???
The document in the mail says Embrace Home Loans is a direct lender for Fannie Mae and Freddie Mac. However, when I looked up the company the president is not David Noyce but Kurt. BBB supports Embrace Home Loans, Inc. (Three little letters at the end make a big deal of difference!)
What are these three little letters? "BBB"? "Inc."?
I've seen a couple of references to Enhance being the new name for the company that was Advanced Financial Services, a Rhode Island company that has been the topic of much discussion on these forums in the past.
No matter what the company is called, no matter what their publicity says, the bottom line for any borrower is the need to find a comfort level with any lender. The hard-sell that is prevalent among the mailings that one receives ought to be a harbinger of the difficulties that may arise from dealing with a particular lender.
When you get an unsolicited piece of mail that says you've been pre-approved, you must be extra-cautious, in my opinion. How can a company provide you with such a guarantee without having heard from you concerning your income, your finances, your desire for a loan, your need for a loan, your home's value,...and the list goes on and on...?
Again, caveat emptor - let the buyer beware.
I've seen a couple of references to Enhance being the new name for the company that was Advanced Financial Services, a Rhode Island company that has been the topic of much discussion on these forums in the past.
No matter what the company is called, no matter what their publicity says, the bottom line for any borrower is the need to find a comfort level with any lender. The hard-sell that is prevalent among the mailings that one receives ought to be a harbinger of the difficulties that may arise from dealing with a particular lender.
When you get an unsolicited piece of mail that says you've been pre-approved, you must be extra-cautious, in my opinion. How can a company provide you with such a guarantee without having heard from you concerning your income, your finances, your desire for a loan, your need for a loan, your home's value,...and the list goes on and on...?
Again, caveat emptor - let the buyer beware.