Do you think your bank was wrong to begin foreclosure on your home?
Learn about the Independent Foreclosure Review, and possible monetary compensation.
您是否認為銀行對您的家進行法拍是錯誤的？ 
查詢有關獨立法拍審查，以及可能獲得金錢賠償。

Nearly 4.5 million homeowners are eligible. You could receive monetary compensation if your foreclosure proceeding is found to contain improper documentation or other flaws in the banks’ foreclosure processes. The only way to find out is to apply.
有接近４百５０萬名屋主合乎資格。如果您的法拍聆訊含有不恰當的文件或銀行在法拍過程出現失誤，您便有可能獲得金錢賠償。要找出是否合資格獲得金錢賠償的唯一方法是去申請。

Deadline is December 31 to receive possible monetary compensation. Call CASL today at 312-791-0418 to speak with a Chinese-language housing counselor who can guide you through the process, establish your eligibility, and help to fill out the application form.
獲得金錢賠償的截止日期是１２月３１日，今天就請致電312-791-0418聯絡華諮處會說中文的房屋輔導員，他們會向您解釋有關過程，告訴您是否合資格，以及協助您填寫申請表。

What is the Independent Foreclosure Review (IFR)?
何謂獨立法拍審查（ＩＦＲ）？

Twenty-seven mortgage servicers and lenders are being monitored by the government under the IFR because of fraudulent or error-prone practices that resulted in unnecessary foreclosure proceedings.
政府根據本計劃會對曾因欺詐及失誤手法而導致不必要法拍聆訊的二十七家房屋抵押貸款機構進行監察。

These servicers and lenders must identify homeowners who might have been victims. The process to do so is the IFR, which is being administered by the Federal Reserve Board and three independent bureaus under the U.S. Department of Treasury.
這些房貸機構須識別出受害屋主。要進行的過程正是獨立法拍審查這個由美國聯邦儲備局及美國財政部轄下三個獨立局負責管理的計劃。

The deadline to apply is December 31, 2012.
申請截止日期是２０１２年１２月３１日。

Why should I apply for the IFR? 
我應否申請獨立法拍審查？

You could receive monetary compensation if your foreclosure proceeding is found to contain improper documentation or other flaws in the banks’ foreclosure processes. The only way to find out if you qualify for monetary compensation is to apply.
如果您的法拍聆訊含有不恰當的文件或銀行在法拍過程出現失誤，您便有可能獲得金錢賠償。要找出是否合資格獲得金錢賠償的唯一方法是去申請。

How do I apply for the IFR?
我如何申請獨立法拍審查？

Call CASL at 312-791-0418 and meet with one of our Cantonese or Mandarin-speaking housing counselors for details and information.
請致電312-791-0418向華諮處會說廣東話或國語的房屋輔導員查詢有關詳情及資料。

What if I miss the December 31 deadline to apply for the IFR? 
我若錯過１２月３１日申請獨立法拍審查的日期，該怎麼辦？

There will be no further opportunities after December 31, 2012, to take advantage of the IFR.
過了２０１２年１２月３１日，便再沒有機會透過獨立法拍審查而得益。

How do I know if I’m eligible for the IFR? 
我怎知道是否合資格申請獨立法拍審查？

• The property was your primary residence.

• Your mortgage was serviced by one of the servicers listed below.

• Foreclosure was initiated, pending, or completed anytime during 2009 and 2010.

有三個很簡單的準則：

• 有關物業是您的主要居所。
• 您的房貸由下列其中一家機構管理。
• 法拍在２００９及２０１０年間任何時間內展開、懸而未決或完成。

Should I have lost my home to foreclosure to be eligible for the IFR? 
我的家園是否已因法拍而失掉才合資格申請獨立法拍審查？

No.
不是。

What is “independent” about the IFR? 
獨立法拍審查中的「獨立」是指甚麼？

Financial consultants, with no interference from the banks, are reviewing foreclosure files.
財務顧問在不受銀行干擾下審查法拍檔案。

Is this program connected to the $25 billion bank settlement? 
本計劃是否與２百５０億美元的銀行和解方案有關？

No. The IFR funds for monetary compensation are separate.
無關。獨立法拍審查提供的金錢賠償是分開的。

Will I hurt my chances for a loan modification or other foreclosure mediation program if I apply for the IFR?
如果我申請獨立法拍審查，會不會損害到我取得貸款修正或其他法拍調解的機會？

No. In fact, by talking to a housing counselor when applying for the IFR, you might learn of additional programs that can help your situation.
不會。事實上，在申請獨立法拍審查時找華諮處房屋輔導員傾談，您可能知道更多有助您的情況的計劃。

Which servicers are subject to the government’s IFR?
有哪些房貸機構列入政府的獨立法拍審查計劃？