Tag Archives: plan
Recovery centers that place priority on individual needs
Many recovery centers have treatment plans that are rigid in nature and expected to be followed by all patients. At 12 Palms Recovery Center, the focus is on each patients needs and a treatment plan that they can follow independently of each other.
Recovery centers for alcoholics and addicts have developed treatment plans for patients that preach a program of living life clean and sober. Over the years, many successful methods have helped millions of patients stay clean and sober through these methods. Rehab centers in Ohio have certainly been successful as well, helping addicts learn to live a life that can be happy, productive and fulfilling.
However at many recovery centers, they may have programs that are not conducive to each patients individual needs. For instance, one recovery center may only have a 28 or 30-day program, another recovery center may only gear their recovery treatment plan for specific drugs of choice. At 12 Palms Recovery Center in Jensen Beach, Florida, each patient is given a specific and well-thought out treatment plan that works for their own specific needs.
The 12 Palms Recovery Center is owned, managed and staffed by recovering alcoholics and addicts who understand that each addiction is unique, and they understand that each patient has gotten to the recovery stage through an entirely different pathno one alcoholic or addict traveled the exact same path. By understanding where each patient is coming from and what their specific addiction is, the staff can develop a treatment plan of varying lengths30, 60 or 90 daysthat can help each patient to fully grasp and understand their addiction, and how best to recover from it.
Rehab centers in Ohio have the tools and resources available to help addicts in recovery, but at 12 Palms Recovery Center, each patient is encouraged to actively participate in their own recovery. Each patient starts their day by setting daily goals for themselves, followed by a time of daily devotion and group activities. Each patient is then given time for intense one on one counseling, individual therapy sessions, and each patient is given the chance to go to outside AA and NA meetings and encouraged to find sponsors who will work with them personally as they work through the 12-step program.
Rehab centers in Ohio can teach an addict or alcoholic the basic tools necessary to stay clean and sober, but at 12 Palms Recovery Center, each patient has the opportunity to work through their own individual issues through a variety of different methods chosen specifically for their needs. A patients stay at 12 Palms Recovery Center is dependent entirely on each individuals needs, and not what the program dictates.
Recovery centers that offer only one treatment plan for all patients does not work for every addict. At 12 Palms Recovery Center, individual assessments by the professional staff of counselors who are recovering addicts themselves dictate each patients individual treatment plan. For more information on the services offered by 12 Palms Recovery Center, please call 1(866) 331-6779.
Apply Obama Mortgage Plan -How Do You Qualify?
If you are searching the internet looking for more information on the Barack Obama Home Mortgage Plan or the Obama Loan Modification Plan, this article should help you understand how it works.
With Americans losing their homes left and right, streets are now filled with dead lawns, weeds and “Bank Owned” signs. To combat this foreclosure epidemic, Obama released his Mortgage Plan. Their are many critics out there saying that this plan is not working, but it has helped many homeowners to lower their monthly payments. The trick is filling out the paperwork correctly.
People tend to lie. Simple as that. They think they need to “fudge” their applications and make themselves look dirt poor. Nothing will get you denied faster than that! The bank wants to see that you are still making money, but have suffered a financial hardship – not a financial disaster. You have to be able to show that you could afford your lowered payments – even with the Obama plan. It is still the banks discretion on who they choose to accept.
You might want to seek the advice of experts on this one, because the Obama mortgage plan will drastically lower your monthly payments if you do get qualified.
How low? Not greater than 31% of your total monthly pre tax income. That is a huge monthly savings for most people, especially if they are in a high interest rate loan, which is who this plan was made for. There are a few different ways that your lender will get your payments this low and it always starts in the following order.
The first way your lender will try to get your payments within the 31% threshhold is by lowering your interest rate. This will go down all the way to 2% if necessary. If this doesn’t get your payment low enough, they will move on to the next step…
The second step is to extend your terms. This lowers your payment even more. If you currently have a 30 year loan and extend that into a 40 year loan, you are spreading out your payments over 10 more years. If this doens’t work, they will try step 3.
The final step would be a principal reduction. They could choose to knock some money off of your loan balance to get you under the 31%. This is pretty rare, but I have heard of it. Usually, getting a super low 2% interest rate and extending the terms to 40 years is going to do the trick. Some people want to get a loan modification just to try and knock money off of their principal, but this doesn’t usually happen. The goal is to get your payment low enough so you can afford to stay in your house, not to take money off of a balance that you agreed to pay. But think of it this way, your interest rate will be lower than almost everyones and that has the same effect as lowering your balance in terms of your monthly payments.
If you would like assistance with the Obama Mortgage Plan, you can visit the links below. They have helped people get qualified who were originally denied by their lenders.