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foreign [Music] welcome to everyone Im Solomon here your mortgage auditor and foreclosure accountants Im M Solomon you can docHub me at 202-270-6832 love to hear from you been foreclosure having problems you can also write me a secondary trade desk I dont know about General problems but problems with the mortgage foreclosure you can write me a secondary trade desk at gmail.com got a great presentation for you today real short to the point well for closing attorney gets two loans out of one wow how do you get two loans out of one you do it in the payoff demand were going to show you how are you reading your payoff demand if youre not youre in trouble let me show you how to read it lets take a look all right follow me on this I think youll find it fascinating hopefully its not whats happening to you we have a late fee of 324 18 trusted pointer where are you please there you go three 24 18s late fee and the late fee is charging 12 percent that means 12 capitalize the 324 late fe