Enjoy Table Tennis Daily's Christmas Edition of The Best Table Tennis Shots of 2012! And really... closely watch the whole thing... it's really worth it. Unbelievable! ... (Continue reading)
I'm just so relieved that none of this dismal economic news was caused by the respective economies being in deep recession led by unreported worsening unemployment and pretend housing market recoveries. Because if those things were the cause, why... (Continue reading)
If you're a homeowner who would be interviewed about your specific experience saving your home from foreclosure, or if you have clients you've helped avoid foreclosure and they are okay with me calling to record an interview with them, let... (Continue reading)
It my annual political year-in-review, read to the poem, 'Twas the Night Before Christmas. Read it yourself, or click 'PLAY' and I'll read it for you.... (Continue reading)
Over time, I hoped, as people came to understand what had actually happened, they would let themselves off the proverbial hook, and once not bound by shame, they would speak out and when in great enough number, our leaders would... (Continue reading)
Beginning in the fall of 2011, and increasing in speed and ferocity after January 1, 2012, the State Bar begins using its newly concocted interpretation of SB 94 as a hammer to threaten and strong-arm lawyers who have received a... (Continue reading)
New Jersey foreclosure defense attorney Bruce Levitt on this Mandelman Matters Podcast tells you what's working and what's not... and how he thinks you are most likely to save your New Jersey home from foreclosure.... (Continue reading)
I pray for the parents of the children that were senselessly taken away on Friday... I pray that those that have other children at home find some way to go on. For a parent who lost their only child... (Continue reading)
Known as the “statement of qualified holder,” it doesn’t require a lawyer to look at anything that shows the bank holds the original mortgage, but even more stunning is that it also provides lawyers with complete absolution from any wrongdoing... (Continue reading)
In all but a very small number of cases, homeowners have continued to find the courts either unwilling or incapable of dispensing what they would consider fair and just solutions, and while the federal government has remained essentially mute on... (Continue reading)
Please take this chance to make your voice heard, and tell everyone you know whose home is underwater they should do the same. We screamed our heads off about AIG bonuses, both in the streets and in the tens... (Continue reading)
The mortgage market is not just dominated by the government, the mortgage market is the government, and that’s not just here in the US, it’s everywhere. Governments are the lenders of ONLY resort. ... (Continue reading)
What’s even harder to understand is that the State Bar’s most recent interpretation of SB 94 completely disagrees with how California Attorney General Harris and Governor Brown interpreted the law in documents filed with the court last year when... (Continue reading)
I’m not the least bit worried that the Republicans and the Democrats won’t come together right before the holidays to forge some ill-conceived, witless, and entirely cowardly compromise that only kicks the proverbial can down the road even further... it... (Continue reading)
The recent decision by the state bar court now effectively prohibits the charging of fees by lawyers even AFTER services have been completed. Yes, you read that correctly... lawyers can’t take advance fees, nor can they be paid after... (Continue reading)
The fact that there are properties at the very bottom that appear to have increased in price by a few points is no indication that housing is recovering. ... (Continue reading)
Is that what I’m to believe? She hid it from LPS. For SIX years. A million documents. And the whole time, LPS must have just thought she was great at getting the signatures she... (Continue reading)
According to Moody’s Analytics, FHA's actions prevented home prices from dropping an additional 25%, which in turn saved 3 million jobs and half a trillion dollars in economic output. But now FHA is broke. Now what?... (Continue reading)
Of course, what Bachus fails to mention is that if our government had done ANYTHING RIGHT in terms of dealing with the economic crisis that started in 2007… if even ONE of the programs that have been implemented over the... (Continue reading)
What's going on inside BOA as of the end of the second quarter of the National Mortgage Settlement? Here's your chance to hear it straight from the source... in advance of the monitor's report. Another Mandelman Matters Exclusive!... (Continue reading)
“This analysis suggests that the country should not focus on the immediate problem of mass unemployment, about which little can be done. Instead we should turn attention to long-term issues, such as tax reform and education.” ... (Continue reading)
Tweet Marc Dann Dann Law Email: mdann@dannlaw.com dannlaw.com (877) 475-8100 Click here to hear an exclusive Mandelman Matters podcast with Marc Dann And, view the exclusive new video below to hear Marc Dann discuss the housing crisis and who the... (Continue reading)
"In Spain right now, we have nearly a million empty housing units. In this situation, the government and the economy ministry ... has to take steps so that no family in good faith goes without a home.”... (Continue reading)
Tweet STATE OF NEW HAMPSHIRE GOVERNMENT RESOURCES: Business Finance Authority Community Development Finance Authority Department of Administrative Services Commissioner, Linda M. Hodgdon Department of Health & Human Services Department of Justice – Office of the Attorney General Attorney General, Michael... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in New Hampshire. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of... (Continue reading)
Tweet CLICK BELOW FOR: State of New Hampshire Foreclosure Laws The link above will take you to the page dedicated to New Hampshire’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Michigan. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Michigan... (Continue reading)
Tweet CLICK BELOW FOR: State of Michigan Foreclosure Laws The link above will take you to the page dedicated to Michigan’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
Tweet  STATE OF MICHIGAN GOVERNMENT RESOURCES: Attorney General, Bill Shuette Department of Civil Rights Department of Commerce Department of Human Services Department of Licensing & Regulatory Affairs Department of State Secretary of State, Ruth Johnson Department of Treasury Governor,... (Continue reading)
Tweet STATE OF TENNESSEE GOVERNMENT RESOURCES: Commission on Children & Youth Executive Director, Linda O’Neal Comptroller of the Treasury, Justin P. Wilson Department of Children’s Services Commissioner, Katherine O’Day Department of Commerce & Insurance Commissioner, Julie Mix McPeak Division of Consumer Affairs... (Continue reading)
Tweet CLICK BELOW FOR: State of Tennessee Foreclosure Laws The link above will take you to the page dedicated to Tennessee’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Tennessee. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Tennessee... (Continue reading)
Tweet STATE OF MAINE GOVERNMENT RESOURCES: Attorney General of Maine William J. Schneider Bureau of Human Services Department of Audit State Auditor, Neria R. Douglass, JD, CIA Department of Health & Human Services Child & Family Services Department of Labor Department... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Maine. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Maine... (Continue reading)
Tweet CLICK BELOW FOR: State of Maine Foreclosure Laws The link above will take you to the page dedicated to Maine’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just... (Continue reading)
They call it a "mass torte," but it can also go by the name "mass joinder," or "multi-plaintif," or whatever other term d'art it might be using tomorrow, but no matter what it's called, the person calling to tell you... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Alabama. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Alabama... (Continue reading)
Tweet CLICK BELOW FOR: State of Alabama Foreclosure Laws The link above will take you to the page dedicated to Alabama’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
Tweet STATE OF ALABAMA GOVERNMENT RESOURCES: Attorney General Luther Strange Department of Children’s Affairs Department of Economic & Community Affairs Department of Finance State Comptroller, Thomas L. White, Jr., CPA Department of Human Resources Department of Insurance Department of Labor... (Continue reading)
If you receive a solicitation that looks or says anything like what you see below, DO NOT RESPOND TO IT... IT IS A FRAUD... IT HAS NOTHING TO DO WITH THE ATTORNEY GENERAL OFFICE. ... (Continue reading)
Tweet CLICK BELOW FOR: State of Ohio Foreclosure Laws The link above will take you to the page dedicated to Ohio’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
LPS also reports that as of September, 3.7 million loans were at least 30 days delinquent, but not yet in foreclosure…. and 1.53 million loans were at least 90 days delinquent, but not yet in foreclosure. Almost two million... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Ohio. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Ohio... (Continue reading)
Tweet This Page Sponsored By… Marc Dann DannLaw Email: mdann@dannlaw.com dannlaw.wordpress.com Cleveland 216-373-0539 Youngstown 330-759-4155 Columbus 614-344-0320 Facsimile  216-373-0536 STATE OF OHIO GOVERNMENT RESOURCES: Attorney General Mike DeWine Auditor of State Dave Yost Department of Commerce Director, David Goodman Division... (Continue reading)
Jon Stewart asked you about why you didn’t spend so much of the money available for HAMP… on HAMP… or on other efforts to mitigate the damage being caused by the foreclosure crisis. And you knew what he had... (Continue reading)
It’s foreign policy night but although each question starts out overseas, it ends up buried in our flaccid economy somewhere near Cleveland. Romney points out that Obama can’t seem to buy jobs let alone create them. ... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Connecticut. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Connecticut related... (Continue reading)
Tweet STATE OF CONNECTICUT GOVERNMENT RESOURCES: Connecticut Department of Labor Connecticut General Assembly Find Your Representative, Senator & Congressperson Legislative Commissions Connecticut Insurance Department Department of Banking Howard F. Pitkin, Commissioner Department of Consumer Protection Department of Ethics & Community... (Continue reading)
Tweet CLICK BELOW FOR: State of Connecticut Foreclosure Laws The link above will take you to the page dedicated to Connecticut’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
So, if the normal market had 100 buyers, where there used to be 66 repeat buyers, now there will only be 33. Where there were 25 first timers, now there will only be 12. Are you getting the... (Continue reading)
Tweet CLICK BELOW FOR: State of Ohio Foreclosure Laws The link above will take you to the page dedicated to Ohio’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in New Jersey. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of New... (Continue reading)
Tweet CLICK BELOW FOR: State of New Jersey Foreclosure Laws The link above will take you to the page dedicated to New Jersey’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws... (Continue reading)
Tweet STATE OF NEW JERSEY GOVERNMENT RESOURCES: Â Governor of New Jersey Governor, Chris Christie Lt. Governor & Secretary of State Kim Guadagno New Jersey Congress – Find a Senator or Representative New Jersey Legislature – Find Your Legislator Office of... (Continue reading)
Well, I asked BOA if one of their executives would join me on a Mandelman Matters Podcast, so we could get a better feel for what's going on than just reading their press release, and Dave Steckel, even though I'm... (Continue reading)
What could Mr. Bernanke and others have done differently? Addressed the real cause of the crisis, the lost trust part... by announcing that the U.S. government would be stepping into the bond market and guaranteeing the investment grade bonds…... (Continue reading)
I know what happened here. A homeowner in Connecticut was denied for a loan modification based on excessive income and her lawyer told her she would have to file bankruptcy to stop the sale of her home. Then... (Continue reading)
Using the combined resources of federal, state and local law enforcement, the initiative targeted perpetrators both criminally and civilly, and led to 285 federal criminal indictments and another 110 federal civil cases, and criminal charges were filed against 530 defendants.... (Continue reading)
I'm not saying it'll be enough, or it'll be fair... but it will be something. No amount of money can truly compensate you for what you lost... but maybe just the acknowledgement by the Settlement Monitor and AG's office... (Continue reading)
What everyone continues to overlook is the impact that foreclosures continue to have on new foreclosures. We’ve got supposed experts yammering about how we’ll have some set number of foreclosures and then we’ll be through this mess. But... (Continue reading)
Okay, so what’s the big deal whether the state uses some of the funds to balance the state’s budget? It’s better than the alternative, which is the legislature cutting much needed assistance programs and raising taxes across the board…... (Continue reading)
By understanding the truth of what happened and why at these two pivotal moments in time, everything else will fall into place, for it was these two moments that set the course for a global economic downturn that, if history... (Continue reading)
Back in April of this year, they were granted 180 days to get their servicing operations ready to comply with the new standards, and as of yesterday, they'll be held to the 304 new rules for addressing the needs of... (Continue reading)
Per the settlement agreement, Smith will be testing the servicers adherence to the new rules using 29 defined metrics to assess such breaches as improper trustee sales, wrongful denial of modification, the use of fraudulent affidavits in the foreclosure process,... (Continue reading)
In Edelstein’s case, MERS assigned the deed of trust to Bank of New York Mellon as trustee for Countrywide. The court ruled that once the trust had both the promissory note and the assignment, it possessed the standing to... (Continue reading)
Once you’re underwater, however, as at least half of homeowners are today, you can’t borrow against your home’s equity, nor can you sell your home, so any of those life events are likely to hit you where you live. ... (Continue reading)
For those in the Seattle area... I'll be speaking to homeowners, lawyers and anyone else interested in the foreclosure crisis at a meeting this evening from 6:00pm - 8:00pm...... (Continue reading)
Recently, there have been three significant developments in Washington, two from the State Supreme Court, and one having to do with the state's mediation program. And all three fell in favor of homeowners, which is a refreshing change.... (Continue reading)
why would Smith publish a report whose only meaningful certainty was to scare even more homeowners away from paying attention to Bank of America's borrower outreach efforts? BOA and its peers were already having a hard time reaching... (Continue reading)
They actually believe that too much regulation is the problem facing our financial institutions… that foreclosures are a good thing for the housing market… that tax cuts for the rich will create prosperity… that people on food stamps won’t get... (Continue reading)
Condensed into 3 powerful days. Less expensive. Last one for year. Coming up October 12-14.... (Continue reading)
There’s no such thing as people who can pay their mortgages no problem but just feel like cleaning out their garage, ruining their credit, and then living in an apartment where the kitchen smells like ass for the next five... (Continue reading)
Settle in and get ready to hear the real inside scoop on how Washington works and too often doesn't. It may cause vomiting and probably shouldn't be listened to if you have a heart condition... I'm really not sure.... (Continue reading)
I’m going to choose to go on believing that it was done for me… one small concession to a man who’s endured. You want to believe otherwise, it’s a free country. Either way, it’s a win for the... (Continue reading)
Tweet Tisha Black Chernine, Attorney BLACK & LOBELLO, Attorneys at Law 10777 West Twain Avenue @ 215 Third Floor Las Vegas, Nevada 89135 Telephone: (702) 869-8801 Facsimile: (702) 869-2669 Website: blacklobellowlaw.com Gloria M. Petroni, Attorney at Law Petroni & Nichols... (Continue reading)
Tweet John A. Long, Attorney at Law John Long Law PLLC 300 NE Gilman Blvd, Suite 100 Issaquah, Washington 98027 Telephone: (425) 427-9660 Facsimile: (888) 735-6513 Email: JAL@JohnLongLaw.com  Website: http://johnlonglaw.com/ ... (Continue reading)
Tweet Clarke Balcom, Attorney at Law Clarke Balcom Law 1312 SW 16th Ave., 2nd Floor Portland, OR 97201 Telephone: (503) 224-5950 Facsimile: (503) 467-4669 Website:Â http://www.clarkebalcomlaw.com/... (Continue reading)
Neil Barofsky is a name I'll never forget, and it won't be hard for anyone to understand why that's the case when I tell you the reason why. Neil was the Special Inspector General for the Treasury’s Troubled Asset... (Continue reading)
If no one else is going to go to jail having to do with the financial meltdown, then I don’t actually care if Bernie is in there either. I mean, if crime pays… then let’s embrace the change. ... (Continue reading)
According to a story in Mortgage News Daily, California’s Lt. Governor Gavin Newsom took a couple of shots at a Washington D.C. trade group called the Securities Industry and Financial Markets Association (“SIFMA”) in response to their threatening San Bernardino... (Continue reading)
Everybody says the new law and recent decision are going to provide protections and in general make things better for Oregon's homeowners at risk of foreclosure., and for the people of thee state as a whole. They're wrong.... (Continue reading)
Tom has recently discovered a practice employed by the GSE's... Fannie and Freddie. It has to do with what we're calling "The Decoy Assignment," and it's a matter of policy. He's arguing it successfully in court.... (Continue reading)
So, this year started out depressed, as well it should have, but very quickly, and I do mean within weeks, a six-year downturn was transformed into a robust recovery based on… well… nothing really. None of the fundamentals changed,... (Continue reading)
So, I guess I had this dream. I was watching CNBC... which, by the way, is how I knew it was a dream because I never watch CNBC... anyway, so I was watching CNBC and on comes Sanford "Sandy"... (Continue reading)
The GAO’s report, released earlier this month concluded that the OCC simply made submitting a complaint too difficult for us to understand. We couldn’t figure it out. It was over our collective heads. And so, completely... (Continue reading)
The recent passage of California’s Homeowner Bill of Rights (53-25, 25-13) is the most conclusive example that what I spoke of at that conference in 2010, has come to pass. The financial services industry lobbied heavily against the passage... (Continue reading)
If you want my advice... don't read this post, or watch it... just skip this page and head for the sports section or something. I'm sorry I'm even posting it... seriously... click away... while you still can.... (Continue reading)
Why has no one at the top been investigated or prosecuted for fraud or anything else for that matter as related to the financial meltdown that has destroyed trillions of dollars in consumer wealth? Especially when William K. Black's... (Continue reading)
Killing this bill facilitates lying to the American people. And short of something that’s kept secret in order to protect our national defense, there is never a reason we should tolerate anyone or anything that does that.... (Continue reading)
The biggest change that servicers are feeling is the one that can’t be seen or even written down. I imagine it’s similar to how homeowners felt when they discovered that their government didn’t give a Fudgsicle® whether they lost... (Continue reading)
Washington State consumer attorney Scott Stafne is running for a seat on the State Supreme Court in the State of Washington. Why is he running, and why should you care regardless of where you live... click play and listen... (Continue reading)
Tweet  You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Texas. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of... (Continue reading)
Tweet STATE OF TEXAS GOVERNMENT RESOURCES: Attorney General Greg Abbott Finance Commission of Texas House of Representatives Joe Straus, Speaker of the House Representatives On-Line Legislative Council Legislature On-line Legislature  On-line Bill Search Lieutenant Governor David Dewhurst Office of Consumer... (Continue reading)
Tweet CLICK BELOW FOR: State of Texas Foreclosure Laws The link above will take you to the page dedicated to Texas’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
Catherine Austin Fitts has perspective on the housing and mortgage meltdown like no other. Under President George Herbert Walker Bush, she was Assistant Secretary of Housing and Federal Housing Commissioner at HUD, where she basically ran the Federal Housing... (Continue reading)
The NYT story also mentioned that Bernanke and other central bankers have been trying to shift some of the burden for fixing the economy to elected officials, but the politicians aren’t having any of that. Do they look stupid?... (Continue reading)
If even ten years ago, someone would have tried to tell me that in 2012, young people in Russia would be doing this, while in the U.S.A. our young people would be drowning, I NEVER would have believed it.... (Continue reading)
But, I'm now posting the speech from last February, at which the president announced the conclusion of the AG investigations/negotiations because I think it was his best speech ever in many ways. It's the only speech he's ever given... (Continue reading)
And I will likely never view the U.S.A. as being a great nation again. For me, that is over. For I have seen our pettiness, our insensitivity, our callous disregard to the plight of our neighbors right up... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Illinois. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Illinois... (Continue reading)