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Home – Student Loan Servicing Alliance, loan servicing software.#Loan #servicing #software

loan servicing software

Loan servicing software

Welcome to the Student Loan Servicing Alliance website!

The Student Loan Servicing Alliance (SLSA) is a non-profit, membership organization of student loan servicers and software providers in the Federal Family Education Loan Program (FFELP) and Federal Direct Loan Program (FDLP). SLSA has approximately 30 members, and together we service more than 90 percent of all outstanding student loans. Our members provide the full range of federal loan servicing operations, conversion from in-school status to repayment, customer service, payment processing, collections, and claims processing. Many of our servicers also service Private Education Loans.

SLSA’s main focus is on operational and technical issues that impact customer service and program administration. We identify obstacles and opportunities within the loan programs that can benefit from our expertise and leadership, and we formulate solutions that achieve simplification and standardization. SLSA develops industry positions and promotes best practices, helping its members provide the highest level of quality customer service. We also work with other organizations to support the continuing enhancement and streamlining of the student loan programs.

Parents, Students, Borrower Information

Federal Student Loans are the number one source of post-secondary education financing in America. If you are a parent or student beginning your search for a student loan, it is important to know what type of Federal Student Aid your school offers. For loans, most schools offer the Federal Direct Loan Program (FDLP). In the Direct Loan Program, your loan funds come directly from the Federal Government and are serviced by one of several student loan servicers. If you borrowed a Federal Loan before 2010, your funds may have come as a Federal Stafford Loan from your choice of participating lenders in the Federal Family Education Loan Program (FFELP). If you have a Federal Student Loan, and you know who your servicer is, use our directory to find information about how to contact them.

Private Education Loans (also known as supplemental or alternative student loans) are also used by some students and parents to pay for college. There are several types of Private Education Loan providers, including states, banks, credit unions, and other for-profit and not-for-profit lenders. Many SLSA members service Private Education Loans, as well as Federal Student Loans. If you have a Private Education Loan, and you know who your servicer is, use our directory to find information about how to contact them.

Friendship Properties – Real Estate investment brokerage serving the Connecticut shoreline and beyond, litton loan servicing.#Litton #loan #servicing

litton loan servicing

Trying to Modify your Mortgage?

Not Sure of your options, or what to do?

People say things are getting better, but clearly there is still a huge problem and the housing crisis has a ways to go before calming down.

We understand what you are going through. Most homeowners ‘try’ and do a Mortgage Modification, but most banks will reject your application. (Get your FREE book on this subject below).

If you owe more than your home is worth, and you have a ‘hardship’ you may qualify for a Mortgage Modification or a Short Sale.

If you must do a ‘Short Sale’, not only will we sell your home, but in most cases the bank will ‘forgive’ the outstanding debt, and in many cases you can get up to $10,000.00 or more in moving credit at the closing.

Not every Real Estate Agent can help you. As a matter of fact, most agents have no idea how to do a ‘Short Sale’, or what is involved with a Mortgage Modification, never mind complete one successfully. We have a 95% success rate at getting Short Sales approved.





Then contact us with you questions. Our service is FREE.

Short Sales and Loan Modifications

Call Me @ 203-457-9991

As a full-time, full-service, CT licensed Real Estate professional short sale specialist,

my area of expertise is in helping Connecticut home sellers

get their homes sold quickly and easily for top dollar.

Our company does Short Sales as well as list and sell residential homes, condominiums and multi-family properties in Litchfield, Fairfield, New London, Middlesex and New Haven Counties including:

Allington, Bakersville, Bantam, Barkhamsted, Bethlehem, Bridgewater, Canaan, Colebrook, Cornwall, East Canaan, East Morris, Falls Village, Goshen, Harwinton, Kent, Lakeville, Litchfield, Milton, Morris, New Hartford, New Milford, Norfolk, North Woodbury, Northfield, Northville, Oakville, Pequabuck, Plymouth, Roxbury, Sharon, Terryville, Thomaston, Torrington, Warren, Washington, Watertown, Winchester, Winsted, Woodbury, Ansonia, Beacon Falls, Bethany, Branford, Cheshire, Derby, Devon, East Haven, Guilford, Hamden, Madison, Meriden, Middlebury, Milford, Naugatuck, New Haven, North Branford, North Haven, Orange, Oxford, Prospect, Seymour, Southbury, Union City, Wallingford, Waterbury, West Haven, Wolcott, Woodbridge, Centerbrook, Chester, Clinton, Colbalt, Cromwell, Deep River, East Haddam, East Hampton, Essex, Haddam, Higganum, Ivoryton, Killingworth, Middlefield, Middletown, Moodus, Old Saybrook, Portland, Rockfall, Westbrook, Westfield, Winthrop, Berkshire, Bethel, Branchville, Bridgeport, Brookfield, Byram, Cos Cob, Danbury, Darien, Easton, Fairfield, Georgetown, Glenville, Greenfield Hill, Greenwich, Hawleyville, Huntington, Long Hill, Lyons Plain, Mill Plain, Monroe, New Canaan, New Fairfield, Newtown, Nichols, Noroton, Noroton Heights, Norwalk, Redding, Redding Ridge, Ridgefield, Riverside, Sandy Hook, Saugatuck, Shelton, Sherman, Southport, Stafford, Stamford, Stepney, Stratford, Weston, Westport, Wilton.

Local Banks we do Short Sales with in Connecticut:

Webster Bank, Liberty Bank, Union Savings Bank, First County Bank, Dime Bank, Rockville Bank, Castle Bank, Putnam Savings Bank, New England Bank, Salisbury Bank, Farmington Savings Bank, Fairfield County Bank, NewAlliance Bank, Connex Credit Union, Newtown Savings Bank, Savings Bank of Danbury, Thomaston Savings Bank, Litchfield Bancorp, Naugatuck Valley Savings and Loan, Savings Institute Bank, Connecticut Community Bank, The Citizens National Bank, Jewett City Savings Bank, Eastern Federal Bank, Stafford Savings Bank, Darien, Rowayton Bank, The Milford Bank, First Niagara Bank, Guilford Savings, Torrington Savings Bank, Peoples, Chelsea Groton.

National Banks we do Short Sales with in Connecticut:

American Home Mtg, Aurora, Bank of America, Bank United, Citi, Citizens, Countrywide, Chase, Dime Savings, GMAC, HFC, HSBC, Home Loan Servicing, IndyMac, Litton, Liberty, M T Bank, Midland Bank, McCue Mtg, Nationstar Mtg, Navy Federal Credit Union, Ocwen Financial, OneWest, PNC Bank, Saxon Mtg, Sovereign, TDBank, Wachovia, Wells Fargo, Weststar Mtg, Rose Mtg, Quicken Loans, Coreplus, Bank United, Suntrust, Cambell Financial, NE Moves Mtg, Emigrant, Eastern Federal, Union Trust, Ameriquest Mtg, Wilminton Finance, US Bank, Savings Institute, Total Mtg, Northside Mtg, Novastar, CTX Mtg, American Mtg, Astoria Federal, CCO Mtg, Washington Mutual, RBC Mtg, Flagstar Bank, First Magnus, Accredited Home Lenders, First Franklin, Merill Lynch Mtg, Great Western, TD Bank, GMAC Mtg, Sears Mtg, Option One Mtg, and many more.

Government Agencies in Connecticut: FannieMae, FreddieMac, VA, FHA, CFHA

Loan Servicing Software, Mortgage Software, The Mortgage Office, loan servicing software.#Loan #servicing #software

Loan Servicing Software

Loan servicing software

Loan servicing software

Loan servicing software

Loan servicing software

Powerful, flexible, and easy to use

The Mortgage Office is a powerful suite of lending solutions. Using our comprehensive core loan servicing products and robust add-on modules, you can custom build the most powerful and personalized loan servicing software solution for your business.


The Mortgage Office loan servicing software package is a powerful and robust system that no other product can match.


Handle from the simplest interest only loans, to the most complex commercial loans, our loan servicing software is the most flexible in the industry today.

Easy to use

You can easily email statements, scan documents, and perform many functions with the click of a button.

Increased productivity and accuracy

Our loan servicing software automates and streamlines the loan servicing process so your business can run more efficiently.

Enhanced reporting and forecasting abilities

Produce detailed reports for management and investors that can be delivered daily, weekly or monthly. Choose from hundreds of built-in reports or create your own.

Federal and local compliance

Enjoy peace of mind during audits knowing that you are meeting or exceeding local and federal regulations.


Only buy what you need — as your business and services grow, your loan servicing software can grow with it, making it an investment that will serve you for the life of your business.

Live software support

Personalized service & support from industry experts.

Integration with QuickBooks™

Eliminate wasted time, effort and unnecessary errors!

Text Messaging

Notify your borrowers and lenders as payments are applied, when payment statements are sent, ACH deposits are made, upcoming ACH debits (AutoPay), and much more!

Online Payments

Process real time Credit Card and EFT payments through all of our payment entry screens, both within The Mortgage Office and through

Flexible License Options

Loan servicing software


Perpetual, per-device license. You pay only once for The Mortgage Office plus an optional yearly maintenance fee.

Loan servicing software


Software-as-a-Service is a concurrent license model where both the application and data are located in the Cloud. You “rent” the application for a low monthly fee.

Loan servicing software


Perpetual, concurrent license. You pay only once for The Mortgage Office plus an optional yearly maintenance fee. The application and data are installed on a virtualized server located in the Cloud.

Our loan servicing software module streamlines and automates all of your current loan servicing tasks.

News & events

ABS Announces Flexible SaaS Subscriptions for The Mortgage Office® and The Loan Office®

Applied Business Software (“ABS”) today announced the availability of powerful cloud-based solutions for its flagship products The Mortgage Office® and The Loan Office® to help companies transition to the Cloud.

Applied Business Software Announces Major Software Update

Applied Business Software Inc. (ABS), developers of The Mortgage Office™ and The Loan Office™ software, is excited to announce a major update release to its signature software The Mortgage Office™.

Applied Business Software Announces Major Software Update

Applied Business Software Inc. (ABS), developers of The Mortgage Office™ and The Loan Office™ software, is excited to announce a major update release to its signature software The Mortgage Office™.

Applied Business Software Announces website redesign launch

Applied Business Software Inc. (ABS) is excited to announce the launch of a revamped website to its signature software The Mortgage Office™.

Why choose us?

Our automated software tools make it easier to scale your loan servicing capacity. The entire system is powerful, flexible and incredibly simple to use. The Loan Servicing Software module will help you streamline the complete lifecycle for managing large portfolios without introducing more labor costs.

Servicer Executives, litton loan servicing.#Litton #loan #servicing

litton loan servicing

Main contact number:

301-815-3510 (direct ASC no.)

7495 New Horizon Way

Frederick, Maryland 21703

Des Moines, Iowa 50306

Main contact number:

Ted Janulis CEO

Executive asst Laura McCann 720-945-5841

Aurora Bank Legal Servicing Dept.

2617 College Park,

Scottsbluff, NE 69361

Scottsbluff, NE 69363

(also use for Countrywide loans)

Brian T. Moynihan CEO

100 North Tryon Street

Charlotte, NC 28255

Georgia: use 315-734-8300 recording

Court restricted documents 212-548-0744

All other docs 617-310-2751

400 National Way Mail Stop CA6-919-02-22

Simi Valley, CA 93065

Customer Service Correspondence

Simi Valley, CA 93062-5170

4425 Ponce de Leon Blvd #400

Coral Gables, FL 33146-1841

200 West 2nd Street

Winston Salem, NC 27101

Robert J. Johnson Jr.

(not sure if this is legal number) 910-272-4250

Greenville, SC 29602-2467

1680 Capital One Drive

McLean, VA 22102

McLean, VA 22102

Collections fax: 949-517-5170

7 Greenwich Office Park

599 West Putnam Avenue

Greenwich, CT 06830

1610 East Street

Andrew Place Suite B150

Santa Anna, CA 92705

1610 East Street

Andrew Place Suite B150

Santa Anna, CA 92705

(See Capital One)

1000 Technology Dr.

O’Fallon, MO 63368

Mailing address (cannot send certified mail here; recommend use another traceable method):

St. Louis, MO 63179-0005

1000 Technology Dr.

O’Fallon, MO 63368

Sioux Falls, SD 57117-6243

2780 Lake Vista Drive

Lewisville, TX 75067

________New Jersey 08830

Lewisville, TX 75029-3150

(Loans now being handled by Metlife)

8100 Nations Way

Jacksonville, FL 32256

Cathy Hibbard * best

Lorraine Davidson 904-281-6380

Unknown at this time:

Send to Legal Department:

334 Madison Avenue

Morristown, NJ 07960

Jacksonville, FL 32232

150 Allegheny Center Mall

Pittsburg, PA 15212-5335

(now called First Tennessee) (First American handles loan mods)

165 Madison Avenue

Memphis, TN 38103

Attn: Legal Dept.

Knoxville, TN 37901

Memphis, TN 38101

(248) 312-2000 Ask for Mr. Campanelli. Expect to be transferred to Gary Phillips, President

5151 Corporate Dr.

101 Hudson Street

Jersey City, NJ 07302

(Need direct number)

Paul Colasono, Chief Financial Officer

1100 Virginia Drive

Fort Washington, PA 19034

Alternate address for CEO:

100 Witmer Road

Horsham, PA 19044

Try (215) 682-1000

1100 Virginia Drive

Fort Washington, PA 19034

Waterloo, IA 50704-1330

2150 North First Street

San Jose, CA 95131

Do not know who is handling.

Arthur Lyon CEO and President

4837 Watt Avenue

North Highlands, CA 95660-5108

Irene Dorner CEO /

2929 Walden Avenue

Depew, NY 14043-2690

Brandon, FL 33509-9068

Brandon, FL 33509-1231

3039 Cornwallis Road

Durham, NC 27709-0154

Jeff Johnson 503-686-7351

Building 201 Suite 2DD188

Charlotte, NC 28262

270 Park Avenue

New York, NY 10017

Johnson and Freeman, LLC (think this is contracted out – please verify)

1069 Spring Street, Northwest, Atlanta, GA 30309

Columbusm OH 43218-3166

Columbus, OH 43218-3166

Executive Resolution Team

4828 Loop Central Drive

Houston, TX 77081

Gene D. Ross CEO

3637 Sentara Way

Virginia Beach, VA 23452

Attn: Ralph Carrigan 757-893-1300

Virginia Beach, VA 23450

Try 908-581-0430 and 866-226-5638

334 Madison Avenue

Morristown, NJ 07960

334 Madison Avenue

Morristown, NJ 07960

Morristown, NJ 07962-1950

(owned by MidFirst)

501 NW Grand, Suite 600

Oklahoma City, OK 73126

501 NW Grand, Suite 600

Oklahoma City, OK 73126

Oklahoma City, OK 73126-0648

(now PNC Mortgage)

350 Highland Drive

Lewisville, TX 75067

350 Highland Drive

Lewisville, TX 75067

350 Highland Drive

Lewisville, TX 75067

(email pattern first name, last [email protected] )

Assistant: Cathy 561-682-8887

1661 Worthington Road, Suite 10

West Palm Beach, FL 33409

For serving Ocwen with legal process, send to their registered agent:

Corporation Service Company

2711 Centerville Road, Suite 400

Wilmington, DE 19808

West Palm Beach, FL 33416-4738

Joseph Otting CEO

888 East Walnut Avenue

Pasadena, CA 91101

fax attn Erica Johson 800-669-2300 x3721

Attn: Legal Dept

888 East Walnut Avenue

Pasadena, CA 91101

Pasadena, CA 91109-9699

American Home Mtg Svcs)

538 Broadhollow Road

Mellville, NY 11474

Irving, TX 75063-1730

Mount Laurel , NJ 08054

David E. Tucker, President Mortgage Services

Same number as above

1900 5th Avenue North #300

Birmingham, AL 35203

Attention: Legal Dept

Birmingham, AL 35288

Overnight Legal Mailing Address:

1901 6th Avenue North, 18th Floor

Birmingham, AL 35203

Executive level escalation Lindsey Selkirk

9311 San Pedro Avenue

San Antonio, TX 78216

Vanita Mattson 888-882-6376

Alt 888-325-3502 x207727

Recommend sending to

9311 San Pedro Avenue

San Antonio, TX 78216

Fort Worth, TX 76161

3815 West Temple

Salt Lake City, UT 84115-4412

Kevin W. Warren Attorney

Salt Lake City, UT 84165-0277

14523 Southwest Millikan Way, Suite 200

Beaverton, OR 97005

14523 Southwest Millikan Way, Suite 200

Beaverton, OR 97005

Beaverton, OR 97076-4121

8742 Lucent Boulevard #300

Highlands Ranch, CO 80129

Statebridge Company LLC

Try 303-962-6752 (needs to be verified)

4600 South Syracuse St, Suite 700

Denver, CO 80237

Jerome T. Lienhard CEO

Escalate through Sterling Edmunds

Assistant Pauline Tracey

Follow up at: 804-291-0310

Or direct liason

901 Semmes Avenue

Richmond, VA 23224

901 Semmes Avenue

Richmond, VA 23224

800 Nicholett Mall

Minneapolis, MN 55402

P.O. Box 20005 Owensboro, KY

800 Nicholett Mall

Minneapolis, MN 55402

270 Park Avenue

New York, NY 10017

One Chase Manhattan Plaza, 26 Floor

New York, NY 10005-1489

420 Montgomery Street

San Francisco, CA 94104


Tammy Sanders (asst to Hugh Rowden)

San Francisco, CA 94163

This information is provided free of charge by Operation Restoration. Donations are critically needed to help this mission move forward. If this material has helped you or someone you love, please Donate . May God bless you.

– Anne Batte, Executive Director

Request for additional help

Thank you for contacting Operation Restoration. Please fill in the information below if you need clarification on material or guidance on strategy. We will contact you shortly. Notes: (1) While the information provided on the website is free to use (if it helps you in any way, please remember to donate), we are transitioning into a donation-based personalized assistance operation. As you know this arena is very specialized. This mission has spent extensive hours over the past 6 years to remain ahead of the curve. (2) Remember, your participation and team work are necessary as ongoing in-depth research is necessary to achieve leverage. Education empowers people to survive and succeed. We look forward to speaking with you. Sincerely, Anne Batte Executive Director

BAC Home Loans Servicing, LP #aircraft #loans

#bac home loans

BAC Home Servicing Loans, LP

If you have been receiving debt collection calls from BAC Home Servicing Loans, LP, you could have a case for creditor harassment if their conduct violates the Fair Debt Collection Practices Act (FDCPA) or other debt collection laws. BAC Home Servicing Loans, LP collects debts and mortgage debts for other creditors. If BAC Home Servicing Loans, LP calls you or sends you a monthly statement in an attempt to collect the debt, their conduct is governed by the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act (FCCPA).

Once you hire an attorney for representation regarding your debt owed to and collected by BAC Home Servicing Loans, LP and provide BAC Home Servicing Loans, LP your attorney contact information, BAC Home Servicing Loans, LP is no longer allowed to contact you in an attempt to collect the debt. BAC Home Servicing Loans, LP is prohibited from calling you in an attempt to collect the debt. BAC Home Servicing Loans, LP is prohibited from sending you monthly statements in an attempt to collect the debt. BAC Home Servicing Loans, LP also cannot call your cellular telephone using an automatic telephone dialing system once you have told them you have hired an attorney or plan on filing bankruptcy. The automatically dialed telephone calls, called robo-calls , invade your privacy and could violate the Telephone Consumer Protection Act (TCPA). The TCPA provides for $500.00 damages per call placed in violation of the TCPA and up to $1,500.00 per call if the call was knowingly made in violation of the TCPA. These auto-dialed cases can be very valuable to you if you take good notes on calls and let your creditor, BAC Home Servicing Loans, LP, know that you have hired an attorney for representation and provide our attorney contact information.

Revoking Consent

To revoke any consent BAC Home Servicing Loans, LP or its affiliated entities have to contact you in an attempt to collect any debt owed to them, including revoking consent to use an automatic telephone dialing system to call your cellular telephone, please either:

  1. Tell them you have hired the attorneys at Leavengood, Dauval Boyle to represent you, give them our contact information and then use the LD B Communications Log to capture information regarding continued unlawful debt collection calls;
  2. Send them a Cease Desist Letter ; or
  3. Follow the instructions below to revoke consent with the above creditor via their website or telephone.

BAC Home Loan Servicing, LP

Customer Service Department: 1.800.669.6607

BAC Home Loans Servicing, LP (formerly Countrywide Home Loans Servicing LP)

#bac home loans

June 2, 2011

We would not recommend enforcement action to the United States Securities and Exchange Commission ( Commission ) under Section 206(4) of the Investment Advisers Act of 1940 ( Advisers Act ) and Rule 206(4)-3 thereunder if any investment adviser that is required to be registered pursuant to Section 203 of the Advisers Act, pays to BAC Home Loans Servicing, LP ( HLS or the Settling Firm ) or any of its associated persons, as defined in Section 202(a)(17) of the Advisers Act, a cash solicitation fee, directly or indirectly, for the solicitation of advisory clients in accordance with Rule 206(4)-3, 1 notwithstanding an injunctive order issued by the United States District Court for the Central District of California (the Judgment ) that otherwise would preclude such an investment adviser from paying such a fee, directly or indirectly, to the Settling Firm. 2

Our position is based on the facts and representations in your letter dated June 1, 2011, particularly the representations of the Settling Firm that:

    it will conduct any cash solicitation arrangement entered into with any investment adviser registered or required to be registered under Section 203 of the Advisers Act in compliance with the terms of Rule 206(4)-3, except for the investment adviser’s payment of cash solicitation fees, directly or indirectly, to the Settling Firm, which is subject to the Judgment; the Judgment does not bar or suspend the Settling Firm or any person currently associated with the Settling Firm from acting in any capacity under the federal securities laws; 3 it will comply with the terms of the Judgment, including, but not limited to, the payment of compensation to Servicemembers Civil Relief Act eligible servicemembers; and for ten years from the date of the entry of the Judgment, the Settling Firm or any investment adviser with which it has a solicitation arrangement subject to Rule 206(4)-3 will disclose the Judgment in a written document that is delivered to each person whom the Settling Firm solicits (a) not less than 48 hours before the person enters into a written or oral investment advisory contract with the investment adviser or (b) at the time the person enters into such a contract, if the person has the right to terminate such contract without penalty within 5 business days after entering into the contract.

This position applies only to the Judgment and not to any other basis for disqualification under Rule 206(4)-3 that may exist or arise with respect to the Settling Firm.

Stephen N. Packs

Senior Counsel


1 Rule 206(4)-3 prohibits any investment adviser that is required to be registered under the Advisers Act from paying a cash fee, directly or indirectly, to any solicitor with respect to solicitation activities if, among other things, the solicitor is subject to an order, judgment or decree that is described in Section 203(e)(4) of the Advisers Act.

2 United States of America v. BAC Home Loans Servicing, LP f/k/a/ Countrywide Home Loans Servicing LP and Any Successors in Interest. CV11-04534 (C.D. Cal. May 31, 2011).

3 Section 9(a)(2) of the Investment Company Act of 1940 (the Investment Company Act ) provides, in pertinent part, that a person may not serve or act as, among other things, an investment adviser or depositor of any investment company registered under the Investment Company Act or a principal underwriter for any registered open-end investment company or registered unit investment trust if, among other things, that person, by reason of any misconduct, is permanently or temporarily enjoined from acting, among other things, as an underwriter, broker, dealer or investment adviser, or from engaging in or continuing any conduct or practice in connection with any such activity, or in connection with the purchase or sale of any security. Section 9(a)(3) extends the prohibition to any company any affiliated person of which is disqualified pursuant to Section 9(a)(2).

The entry of the Judgment, absent the issuance of an order by the Commission pursuant to Section 9(c) of the Investment Company Act that exempts the Settling Firm from the provisions of Section 9(a) of the Investment Company Act, would effectively prohibit the Settling Firm and companies of which it is an affiliated person from acting in any of the capacities set forth in Section 9(a) of the Investment Company Act. You state that, pursuant to Section 9(c) of the Investment Company Act, the certain affiliated persons, on behalf of themselves and future affiliated persons, submitted an application to the Commission requesting (i) an order of temporary exemption from Section 9(a) of the Investment Company Act and (ii) a permanent order exempting such persons from the provisions of Section 9(a) of the Investment Company Act.

On June 1, 2011, the Division, acting under delegated authority, issued an order granting the Settling Firm and certain affiliated persons a temporary exemption from Section 9(a) of the Investment Company Act pursuant to Section 9(c) of the Investment Company Act, with respect to the Judgment, until the date the Commission takes final action on the application for a permanent order or, if earlier, July 29, 2011. In re BAC Home Loans Servicing, LP. SEC Rel. No. IC-29688 (June 1, 2011). Therefore, such persons are not currently barred or suspended from acting in any capacity specified in Section 9(a) of the Investment Company Act as a result of the Judgment.

Incoming Letter

Air Conditioning – AC Contractor #air #conditioning,cool, #lehigh, #southwest, #area, #service, #florida, #acres, #conditioning, #cool #air, #lehigh #acres, #southwest #florida, #community #provide #outstanding, #acres #southwest #florida, #of #address #lehigh, #air #conditioning #system, #level #service #naples, #fl #bonita #springs, #addition #home #base, #sanibel #captiva #areas, #myers #punta #gorda, #cape #coral #fort, #servicing #installing #model, #worth #experience #diagnosing, #fl #proudly #serving, #located #lehigh #acres, #cool #cool #air, #conditioning #contractor #family, #the #southwest #florida, #area #1970 #cool, #technicians #couple #decades, #team #expert #service, #greg #matthew #borek, #managing #brothers #frank, #easy #choose #air


B & B Cool Air Makes it Easy for You to Choose the Right Air Conditioning Contractor

We Keep Your Family Cool

B B Cool Air, located in Lehigh Acres, FL, has been proudly serving the southwest Florida area since 1970. Along with B B Cool Air s managing brothers Frank, Greg and Matthew Borek, our team of expert service technicians have more than a couple of decades worth of experience diagnosing, servicing and installing just about every make and model of air conditioning system you can think of.

Although our address is in Lehigh Acres, we consider the whole of southwest Florida to be our community. We provide the same outstanding level of service throughout the Naples (FL), Bonita Springs, Cape Coral, Fort Myers, Punta Gorda, Sanibel and Captiva areas, in addition to our home base.

Rheem AC Systems

B B Cool Air is a Rheem Pro Partner and as such, we are proud to offer the Rheem air conditioning line of highly efficient and reliable products to our customers. Rheem AC products are considered top of the industry when it comes to quality and that means a lot to us, since it is our policy to only recommend the best products to you.

Even though we exclusively carry Rheem products, our entire team of service technicians are extensively trained and qualified to handle all makes and models of air conditioning systems. So, no matter what type of air conditioner you currently have in your home, you can be sure that we will be able to expertly deal with any maintenance or service issues you are experiencing.

Air Conditioning Sales Service

Whether you are having issues with your air conditioning system and are looking for ac repair services or are in the market to entirely replace your air conditioning system and are looking for a free estimate, please give us a call at (239) 674-1525. Our experts will be happy to answer any questions you might have.

And while you have them on the line, go ahead and inquire about whether setting up an annual air conditioning system checkup and maintenance visit would be right for you. For a very low cost, we can probably have your air conditioning system running at peak efficiency again.

What Our Customers Say

Dear B B Cool Air Inc, So often good employees are not acknowledged. Adam came to my home in Gateway and serviced my system. He was professional yet friendly. You have a great employee in him. Also, Laurie in your office has been so helpful. She, too, is to be commended. I will be calling soon for the a/c service on my other house in Riverdale. Thanks to all of you at B B.

B B Cool Air s Community Involvement

You really get a sense of B B Cool Air s commitment to the southwest Florida community when you look at all the good they do through numerous outreach programs. As part of the SW Florida Rheem Team, they gladly give tens of thousands of dollars each year in donations to help fund various scholarship programs. B B Cool Air is also grateful that they were able to help out the Calusa Nature Center and Planetarium in Fort Myers when the copper of the air conditioning units was stolen. The SW FL Rheem Team donated two completely new air conditioning systems.

The SW Florida Rheem Team is a highly esteemed organization of carefully selected HVAC professionals who have been recognized for their commitment to excellence and their tireless community involvement. B B Cool Air is not just a member of the SW Florida Rheem Team, our very own Greg Borek just happens to be their President.

Recent Questions Answered

General Air Conditioning

What can I do before calling for AC Service?

Why Choose Us

Locally Owner Operated
We re hands-on and so are the owners.

Long History in SW Florida
B B Cool Air is here since 1970.

Rheem Pro Partner
B B Cool Air belongs to a group of carefully selected HVAC Contractors in the USA.

Always Up-to-Date with Standards
Our staff is highly educated and well trained.

Reasonable Priced
Our pricing structure is very clear.

Licensed Insured HVAC Contractor
You always want to make sure that your contractor fulfills the state requirements. We do!

About us

Here at B B Cool Air, we want to make it easy for you to know and trust us so when it comes time to choose an air conditioning contractor, your choice will be simple. B B Cool Air s owners Frank, Greg and Matthew Borek have put together a strong team with a whole lot of expertise and experience under their belts.

Our Service Area

Benefits for Service Members – FedLoan Servicing #grants #for #school

#loans for military

Benefits for Service Members

We understand and appreciate the sacrifices that you make for our country. That is why we want to make you aware of the benefits that may be available to you.

Account Maintenance

While you are serving on active duty, it may be tough to manage your account, but rest assured, you have several options.

Update Your Contact Information

Make sure that we always have up-to-date contact information for you so we know where to send your mail. If you are deployed or traveling for training, be sure that we have your updated contact information before you leave. Sign in to Account Access to update your mailing address, phone number, and email address. This is how we will contact you about your student loans while you are away.

Third Party Permission

You can give us permission to release account information to individuals you authorize. Although they can receive specific information about your loans, they CANNOT make changes to your account. To authorize a third party to obtain your account information:

Power of Attorney

Providing Power of Attorney (POA ) to someone you trust may be the most useful option if you have limited access to your account while you are away. Unlike someone who is only authorized to obtain information about your account, you can provide your POA with the ability to make decisions and changes on your account. Contact your Judge Advocate General’s Corps office for more information.

Make sure your name and account number are listed on the document prior to mailing or faxing .

Reduced Payment Loan Forgiveness Options

There are options available to lower your monthly payment amount (as low as $0)! You may even be eligible for partial or complete loan forgiveness.

Income-Driven Repayment Plans

We recommend selecting one of the income-driven plans (Pay As You Earn, Income-Based, or Income-Contingent) since these plans will most likely offer you the lowest payment amount. Additionally, after making the required number of qualifying payments, your outstanding loan balance may be forgiven.

If you want to get an idea of what your payment amount may be on any of the available plans, you can utilize the repayment estimator tool .

Public Service Loan Forgiveness (PSLF ) Program

The PSLF Program was established to reward you for your work in the public sector. In this program, your outstanding loan balance can be forgiven after you make 120 qualifying payments. The PSLF Program requires some long-term planning.

Servicemembers Civil Relief Act (SCRA )

About Interest – FedLoan Servicing #5000 #loan

#federal student loan rates

About Interest

What is Interest?

Interest is a fee an individual pays for the use of borrowed funds. When individuals enter repayment, they have to pay not only the principal (amount originally borrowed) but also an additional fee of interest on that borrowed money.

What is an Interest Notice?

  • An interest notice is an account summary that details the interest accrued on your student loan(s) during a certain period of time.
  • You receive an interest notice instead of a bill if your loan is in deferment, forbearance, grace, or in-school status.
  • An interest notice differs from a bill because you’re not required to make a payment.

Benefits of Paying Interest

Making payments on your interest notice can minimize the amount of interest that will capitalize (be added to your current principal balance) when your account enters repayment. Because less or no interest will be added to your original loan amount, your monthly payment will be less.

When Interest Accrues

Interest accrues on your unsubsidized student loan:

  • Every day, from the day the loan is disbursed until you make the last payment.
  • Even if your loan is not in repayment.

Interest accrues on your subsidized student loan:

  • Every day, from the day the repayment period starts until you make the last payment.
  • During your grace period if your loan was disbursed on or after July 1, 2012 and before July 1, 2014.

Interest does not accrue on your subsidized student loan during:

  • Your in-school status.
  • Your grace period if your loan was disbursed before July 1, 2012.
  • An approved deferment.

NOTE: If you are a first-time borrower on or after July 1, 2013, you could potentially lose the subsidy on your subsidized student loan if you do not complete your degree or certificate within 150% of the normal time allotted for completing the program in which you are enrolled.

The loss of subsidy would continue through periods of enrollment and any grace or deferment periods.

Current Federal Loan Interest Rates

Calculating Accrued Interest


Sara Student has a $10,000.00 current principal balance and 6% interest rate this year. Using the formula:

Where Can I Find My Current Interest Rate?

After signing in to Account Access. you can find your interest rate in the loan Details section, or by generating a Loan Verification Letter.

How Payments Apply to Interest vs. Current Principal Balance

When you make a payment, our computer system counts the number of days since we processed your last payment.

Then we apply your payment as follows:

  1. Accrued interest The amount of interest that accrued every day between the date of the last payment and the new payment must be satisfied first.
  2. Current principal balance The remainder then applies toward your current principal balance.

The best way to control the amount that applies toward interest versus principal is to make your payments regularly and on time. The easiest way to do this is to use Direct Debit .

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  • Cheap Motor Trade Insurance

    Cheap Motor Trade Insurance

    Compare motor trade insurance from UK insurance providers

    When you compare motor traders insurance with our impartial and effective free service, you will see why so many people have already obtained cheap motortrade insurance quotes through Quotezone.

    Do you need a cheap motor trade insurance policy?

    Although motor trade insurance isnt the same as general car insurance, you still want to have effective cover for a competitive price. Whether you sell or repair vehicles, valet them or work in another area of the motor trade industry, it is always important to cover yourself and your business against any unforeseen risks. A traders insurance policy can include road risk cover, public liability cover, cover for your premises and asset cover, or a combined policy for all.

    We will do the work for you motor trade insurance comparison made easy!

    If youre looking for traders car insurance or motortrade insurance, we understand that you dont always have the time to hang on the phone or search the internet for motor trade car insurance online, thats why we do the searching for you! We work with multiple UK motortrade insurance providers so we may be able to offer competitive rates. We can provide quotes for business trades including;

    • Vehicle Sales
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    Cheap Traders Insurance – How can Quotezone help you?

    Simply fill in our online motor trade car insurance form to compare multiple traders policy and motortrade insurance quotes from UK motor trade insurance providers. Our motor trade insurance panel will attempt to contact you directly to offer you competitive rates on your traders insurance policy. Simply let us know a few details of the cover you require and some contact details, then sit back and wait for your quotes to arrive.

    Motor Trade Insurance Guide

    In the UK, motor trade insurance is a specific kind of insurance designed for self-employed individuals and business-owners involved in this industry. This could apply to many different businesses, including those dedicated to towing, servicing, and repairing vehicles and accessory fitting, as well as businesses that are involved in buying and selling vehicles.

    Care, Custody, or Control in the Motor Trade

    Care, custody, or control is a term that relates to how individuals and businesses undertake work on vehicles. What it means is that when a vehicle is left by its owner with a motor traderfor repair, modification, or transport, for examplethe vehicle is in the care, custody, or control of the trader. As such, the vehicle is no longer covered under the owner’s insurance. And, because all vehicles that are used on the road must have insurance, this means it falls to the motor trader themselves to typically provide insurance coverage for the vehicles in their care, custody, or control.

    This may offer a significant benefit to the motor trader, because they need only one policy to cover any and all vehicles they drive or have custody of in the course of their work.

    Levels of Coverage

    There are usually several different levels of motor trade insurance: risks, liability, and premises insurance.

    Motor trade risk insurance could be described as the minimum level of insurance that a motor trader must have to meet their legal obligations. However, the motor trader may decide whether to buy third party insurance, third party, fire, and theft, or comprehensive coverage, as all three types meet the legal requirement.

    As with individual car insurance, third party motor trade risks insurance might cover damage to the car of a third party involved in an accident. However, it doesn’t generally cover damage to the car the motor trader is driving at the time of the accident, whether it’s a personal car or a car belonging to a customer. For this insurance, comprehensive coverage could be needed.

    This kind of insurance is generally required for all motor traders who drive vehicles they do not own, whether they operate a business from home or have dedicated business premises.

    Motor trade liability insurance could protect the motor trader from legal liability claims that may be made as a result of faulty workmanship, or through other interactions with customers or the public. This may include claims for compensation or medical expenses made by people who are injured while on the business premises (or at the motor trader’s home if they work out of their home). Note that any business that employs at least one person may be required to have public liability insurance by law.

    Motor trade premises insurance may cover the buildings, contents, and equipment used by the motor trader and their business in the course of their work.

    Combined cover could include all the above levels of coverageincluding road risk and liabilityand may also include some additional elements depending on the specific policy. These might include employer liability, sales and service indemnity, business interruption, and business stock. This fully-comprehensive cover might be the most expensive motor trade insurance, and is designed primarily for large motor traders with business premises that include, for example, a garage and showroom.

    Coverage Elements and Optional Extras

    Motor trade insurance may seem a bit complicated, as these policies have a number of different elements that may or may not be useful depending on the specific industry the motor trader is in. Most of these are optional, or have a number of different alternatives from which they could choose.

    Number of vehicles covered: A home traderthat is, someone who works from home and does not have dedicated business premisesmay typically have only a limited number of vehicles covered by a policy. Someone who is trading from dedicated business premises could usually have a policy that covers an unlimited number of vehicles.

    Vehicle coverage for secondary occupations: A motor trader could opt to have an additional vehicle covered if they have a secondary occupation that doesn’t involve the motor trade.

    Demonstration coverage: This is typically limited to third party insurance, and covers vehicles when they are being driven for demonstration purposes.

    Public liability: This could be an important part of motor trade insurance for all traders, whether or not they have dedicated business premises.

    Special vehicle cover: Motor trade policies provide coverage for standard vehicles up a certain weight. Additional cover for certain vehicles must be purchased separately. These may include high performance vehicles, classic cars, commercial vehicles, and vehicles over the standard weight.

    Compare Motor Trade Insurance Policies

    Business insurance might not come cheap, and motor trade insurance is no exception. Making a full comparison of products from different specialist motor trade insurance providers could be essential to getting value for money. When comparing motor trade insurance online, it could be good to look at the following:

    • Cost of third party insurance types versus comprehensive insurance.
    • Exclusions.
    • What’s included in a standard policy compared to what has to be purchased separately.
    • Policy elements such as number of vehicles covered, special vehicle coverage, and secondary occupation coverage.
    • Excess and no-claims discount amounts.

    Tips to Reduce Premiums

    Motor trade insurance may not be particularly cheap, but a motor trader could save on motortrade insurance premiums by making careful choices about the policy they purchase and other matters.

    • If possible, avoid buying additional coverage for special vehicles. Sometimes this coverage is essential, but for smaller businesses it may not be necessary.
    • Think about how feasible it is to restrict mileage. Again, this is something that’s easier for a small local business versus a larger one that might operate in a wider area.
    • Depending on the circumstances it may be more expensive to add a private car to the policy versus getting private car insurance separately.
    • Adding extra named drivers to the policy could increase premiums significantly.
    • Some insurance providers may allow a motor trader to transfer their personal no-claims bonus so that it applies to the motor trade policy, helping to reduce premiums.
    • A good level of security could help bring premiums down.

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