May, 2012

OBLABLA or MITTENS for President in 2012? Here’s how I’m going to choose…

OBLABLA or MITTENS for President in 2012?  Here's how I'm going to choose...

"While Paulson didn’t want to write down mortgages, the single biggest factor in determining whether the American middle class has any stored wealth, Paulson was willing to do so in response to pressure. Barack Obama... (Continue reading)

What the Fed Chief is Thinking…

What the Fed Chief is Thinking...

Federal Reserve Chief Ben Bernanke communicates more than any of his predecessors, but have you found yourself increasingly wondering what in the world the man is thinking behind that shiny dome and professorial facial hair?... (Continue reading)

A New Low for the California State Bar – HOMEOWNER & LAWYER ALERT!

A New Low for the California State Bar - HOMEOWNER & LAWYER ALERT!

Homeowners should take great care when hiring a lawyer for any reason. And I HATE it when anyone gets ripped off for anything, especially when their home is on the line. But this article is a blatant attempt... (Continue reading)

Thankfully, FHFA & Banks Killed Homeowner Bill of Rights

Thankfully, FHFA & Banks Killed Homeowner Bill of Rights

This makes the third year in a row that the banking lobby has said a resounding no to any sort of change that's supposed to protect homeowners from abusive foreclosure practices. Why do we keep doing this? Haven't... (Continue reading)

Follow the Bouncing Home Price Statistics

Follow the Bouncing Home Price Statistics

So, demand is rising while prices are falling… fascinating. Perhaps it’s because of a combination of factors, such as incredibly tight credit markets, an ongoing avalanche of foreclosures coming onto the market, a worsening jobs market, higher unemployment, and... (Continue reading)

South Carolina Foreclosure Laws

South Carolina Foreclosure Laws

Tweet CLICK BELOW FOR: State of South Carolina Foreclosure Laws The link above will take you to the page dedicated to South Carolina’s foreclosure laws.  But, always remember… often people have a hard time understanding exactly what our laws mean... (Continue reading)

State of South Carolina Foreclosure Resource Links

State of South Carolina Foreclosure Resource Links

On this page you'll find links to resources available from the State of South Carolina including how to contact your state representative, and what to do if you think you've been the victim of fraud or a scam.... (Continue reading)

SOUTH CAROLINA Foreclosure Help from Mandelman Matters – START HERE

SOUTH CAROLINA Foreclosure Help from Mandelman Matters - START HERE

I decided that I had to do more to help stop homeowners from getting ripped off, by providing the state specific information homeowners need to make the right decisions for their individual goals and circumstances. Moving forward on the... (Continue reading)

NEVADA Foreclosure Help from Mandelman Matters – START HERE

NEVADA Foreclosure Help from Mandelman Matters - START HERE

I decided that I had to do more to help stop homeowners from getting ripped off, by providing the state specific information homeowners need to make the right decisions for their individual goals and circumstances. Moving forward on the... (Continue reading)

“Tim, could you get the door?” “Sure, honey… are we expecting company?” “Not that I know of…”

As many as 1,000 surprise guests visited the Bethesda home of Treasury Secretary Timothy Geithner on Sunday around 5:00 PM. ... (Continue reading)

Fannie Mae Wants Consequences for Strategic Default

Fannie Mae Wants Consequences for Strategic Default

Fannie Mae hates strategic default. Then you say it’s bad for communities, Terrence, why do you think that’s the case? I mean… bad is a relative term, wouldn’t you agree. And, in terms of doing bad things... (Continue reading)

South Carolina Foreclosure Defense Attorney

Tweet Russell A. DeMott, Attorney DeMott Law Firm, P.A. 1516 Trolley Road, Suite 100A Summerville, SC 29485 Ph. 843-695-0830 Fx. 843-408-4443 Email: russ@demottlawfirm.com www.scbankruptcyattorney.com www.scforeclosureblog.com... (Continue reading)

How to Strategic Default? Ask the MBA.

How to Strategic Default?  Ask the MBA.

How to strategic default? There’s just one little, teeny-tiny, almost insignificant smidgeon of a problem with what the Mortgage Bankers Association’s CEO was saying: He was completely full of shit. ... (Continue reading)

What is Strategic Default? A Moral Dilemma?

What is Strategic Default? A Moral Dilemma?

What is a strategic default? These days, it occurs to me, there would be even less morality involved in the decision to walk away from a mortgage. I can’t believe anyone actually feels morally obligated to a bank today.... (Continue reading)

California Foreclosure Laws Need Homeowner Bill of Rights

California Foreclosure Laws Need Homeowner Bill of Rights

Now, as we’re facing a crisis of unprecedented proportion, we’re learning the hard way that our rights as borrowers are almost non-existent. In California and around the country, foreclosure defense lawyers saw that mortgage servicers could far too often... (Continue reading)

What’s wrong with your loan? Jay Patterson on a Mandelman Matters Podcast

What's wrong with your loan?  Jay Patterson on a Mandelman Matters Podcast

Jay Patterson teaches lawyers how to use the SEC Edgar database, among others, in order to find out who owns a loan. How to identify the trust a loan is in and find the Pooling and Servicing Agreement. how... (Continue reading)

Arizona Foreclosure News – More like a motivational pep talk for Realtors

Arizona Foreclosure News - More like a motivational pep talk for Realtors

RealtyTrac is so entirely full of horsey do-do that the entire organization should be lined up against a wall and shot a dawn for pedaling garbage statistics in a state still being decimated by the foreclosure crisis.... (Continue reading)

Utah Foreclosure News is Based on Garbage Stats

Utah Foreclosure News is Based on Garbage Stats

Nothing is going to change that quickly. It was a huge problem yesterday… it’ll be a huge problem tomorrow. None of the underlying fundamentals have changed one bit. In fact, last month’s unemployment data was a nightmare,... (Continue reading)

Foreclosure crisis now includes Irresponsible Churches

Foreclosure crisis now includes Irresponsible Churches

Praise the Lord, and please pass the foreclosures, right? We need to get through the foreclosures… clear the market… let it hit bottom… isn’t that what Mitt Romney, Rick Santelli, House Republicans, quite a few Democrats too... and a... (Continue reading)

CALIFORNIA Foreclosure Help from Mandelman Matters – START HERE

CALIFORNIA Foreclosure Help from Mandelman Matters - START HERE

I decided that I had to do more to help stop homeowners from getting ripped off, by providing the state specific information homeowners need to make the right decisions for their individual goals and circumstances. Moving forward on the... (Continue reading)

State of California Foreclosure Resource Links

State of California Foreclosure Resource Links

On this page you'll find links to resources available from the State of California including how to contact your state representative, and what to do if you think you've been the victim of fraud or a scam.... (Continue reading)

California Foreclosure Laws

California Foreclosure Laws

Tweet CLICK BELOW FOR: State of California Foreclosure Laws The link above will take you to the page dedicated to California’s foreclosure laws.  But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)

California Foreclosure Defense Attorney

Tweet Gordon F. Dickson, Chairman & Senior Partner Deborah P. Gutierrez, Managing Partner PROSPER LAW – The Homeowner’s Law Firm 6100 Center Drive, Suite 1050 Los Angeles, CA 90045 info@prosperlaw.com Telephone: 310.893.6200 Toll Free: 800.808.9798 Facsimile: 800.808.0428 Website: www.prosperlaw.com... (Continue reading)

ARIZONA Foreclosure Help from Mandelman Matters – START HERE

ARIZONA Foreclosure Help from Mandelman Matters - START HERE

I decided that I had to do more to help stop homeowners from getting ripped off, by providing the state specific information homeowners need to make the right decisions for their individual goals and circumstances. Moving forward on the... (Continue reading)

FLORIDA Foreclosure Help from Mandelman Matters – START HERE

FLORIDA Foreclosure Help from Mandelman Matters - START HERE

Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Florida. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Florida related... (Continue reading)

Wells Fargo gives $22,000 to Suicide Hotline A gift the bank can use too.

Wells Fargo gives $22,000 to Suicide Hotline A gift the bank can use too.

Wells Fargo “stepped up” with a $22,000 “gift.” Is that how that should ideally be phrased? I suppose it’s fine. But, having spent the last few days writing and talking about Norm Rousseau, who took his own... (Continue reading)

Florida Foreclosure Laws

Florida Foreclosure Laws

Tweet  CLICK BELOW FOR: State of Florida Foreclosure Law The link above will take you to the page dedicated to Florida’s foreclosure laws.  But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)

Arizona Foreclosure Laws

Arizona Foreclosure Laws

Tweet CLICK BELOW FOR: State of Arizona Foreclosure Laws The link above will take you to the page dedicated to Arizona’s foreclosure laws.  But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)

State of Arizona Foreclosure Resource Links

State of Arizona Foreclosure Resource Links

On this page you'll find links to resources available from the State of Arizona including how to contact your state representative, and what to do if you think you've been the victim of fraud or a scam.... (Continue reading)

Arizona Foreclosure Defense Trusted Attorneys

Arizona Foreclosure Defense Trusted Attorneys

Tweet Michael Fleishman, Attorney at Law Fleishman Law, PLC 6818 N. Oracle Road, Suite 426 Tucson, AZ 85704 Telephone: (520) 308-5270 Facsimile: (520) 842-2220 Website: www.tucsonlanduselaw.com Jim Meuller, Attorney at Law Doug Drury, Attorney at Law Don J. Lawrence Jr., Attorney... (Continue reading)

A Letter to Brian Stevens at TBWS: We Need More Houses?

A Letter to Brian Stevens at TBWS: We Need More Houses?

Just to make sure I understand what you said there… the problem is that there aren't enough homes for people to buy? We're having a shortage of houses for sale, are we? Wow… you know, I was sleeping... (Continue reading)

California Attorney General Brown Issues Directive to Foreclosure Consultants

Tweet Originally posted in June 2009.   Attorney General Edmund G. Brown Jr. issued a directive today that forces “foreclosure consultants” to register with the Attorney General’s office and post a $100,000 bond by July 1, 2009. According to the... (Continue reading)

CALIFORNIA HOMEOWNERS SHOULD KNOW: Loan Modification Companies To Be Avoided

Tweet Originally posted in May 2009. When I spoke with the California Department of Real Estate a few weeks ago, they told me that they would soon be publishing information related to the problematic companies and “scammers” involved in loan... (Continue reading)

ONCE AND FOR ALL, THE ANSWER IS YES. Water is wet, the sky is blue, and you need a lawyer Period.

Tweet Originally posted in January 2010.   Okay, I have two questions that really need answers: 1. Why is there controversy or uncertainty over whether someone at risk of losing his or her home should or should not hire an... (Continue reading)

Arizona Loan Modification Couple Says Wells Fargo is the Scammer

Tweet Originally posted in May 2010. Yet another Arizona homeowner in foreclosure and trying for a loan modification is about to lose their home to Wells Fargo Bank.  They say they worked directly with their bank and were scammed… by... (Continue reading)

Phoenix Breaking News: NACAs Save the Dream Tour Personnel Threaten Mandelman Matters Reporters: Leave or Well Have You Arrested.

Tweet Originally posted in October 2009. Mandelman Matters field reporters, Brook Parsons and Phil Winter, tried to attend the Neighborhood Assistance Corporation of America’s (“NACA’s) “Save the Dream Tour, held this weekend in Phoenix, Arizona at the Phoenix Convention Center. ... (Continue reading)

NACAs Save the Dream Tour Now Disappointing Thousands in Phoenix?

Tweet Originally posted in October 2009. It started this past July 31st and went through August 3rd, and 40,000 very nervous homeowners waited in long lines in the hopes of saving their dreams. One woman, a 46 year-old single mom who... (Continue reading)

Arizona Judge Orders Wells Fargo to Testify on Loan Modification Practices

Tweet Originally posted in August 2009. When it comes to obtaining a loan modification, Wells Fargo’s reputation is a long way from being stellar.  In fact, they’re one of the worst, according to several attorneys who have had significant experience... (Continue reading)

Husband’s Suicide Yesterday, Wells Fargo to Evict Wife Tomorrow Anyway

Husband's Suicide Yesterday, Wells Fargo to Evict Wife Tomorrow Anyway

You’re a liar, Wells Fargo. Either you knew you weren’t going to approve their loan modification, or you’re the most incompetent financial institution in the history of the world. And you don’t just do this sometimes, you do... (Continue reading)

Jamie Dimon tells Meet the Press he thinks were resenting success. Hes wrong.

Jamie Dimon tells Meet the Press he thinks were resenting success.  Hes wrong.

Dimon was quoted as having said that just because his bank had been stupid, it didn’t mean that all the other banks would be equally stupid. But, see… it sort of does, right? That’s why the sort of... (Continue reading)

UTAH Foreclosure Help from Mandelman Matters START HERE

UTAH Foreclosure Help from Mandelman Matters  START HERE

I decided that I had to do more to help stop homeowners from getting ripped off, by providing the state specific information homeowners need to make the right decisions for their individual goals and circumstances. Moving forward on the... (Continue reading)

Attention Homeowners & Lawyers: AG Mortgage Settlement Launches Online Complaint Sites

Attention Homeowners & Lawyers: AG Mortgage Settlement Launches Online Complaint Sites

I for one am glad to see that this country is finally taking the foreclosure crisis seriously and that my tax dollars are being put to good use, and I really do hope that everyone take advantage of the new... (Continue reading)

Finally, Jamie Dimon and I Agree on Something

Finally, Jamie Dimon and I Agree on Something

Oh, good Lord. We’re still doing this sort of thing, huh? Some guy at JPMorgan Chase in London was gambling with credit default swaps, no one was watching, and next thing you know the bank was down $2... (Continue reading)

Former NACA Home Save Counselor Says Commissions Create Complaints

Former NACA Home Save Counselor Says Commissions Create Complaints

I’m not sure why, but meeting with a “Home Save Counselor” doesn’t make me feel like I’ll be talking with a commissioned salesperson who will be potentially making up to $1,000 on my loan modification case? A “Home Save... (Continue reading)

State of Florida Foreclosure Resource Links

State of Florida Foreclosure Resource Links

On this page you'll find links to resources available from the State of Floria including how to contact your state representative, and information in the areas of fraud and legal aid.... (Continue reading)

Utah Foreclosure Laws

Utah Foreclosure Laws

This page will link you to a page containing foreclosure laws in the State of Utah, and a link to the Mandelman Matters trusted attorney in Utah, Walter Keane, in case you have questions.... (Continue reading)

State of Utah Foreclosure Resource Links

State of Utah Foreclosure Resource Links

On this page you'll find links to resources available from the State of Utah including how to contact your state representative, and what to do if you think you've been the victim of fraud or a scam.... (Continue reading)

Florida Foreclosure Defense Attorney

Tweet Cox & Sanchez, Attorneys at Law The Law Offices of Cox & Sanchez 4488 Star Street North St. Petersburg, Florida 33743 Ph. 727-869-2691 Website: www.coxsanchez.com... (Continue reading)

California Homeowner in Foreclosure Wins Quiet Title Its a Free House!

California Homeowner in Foreclosure Wins Quiet Title  Its a Free House!

For one thing, filing quiet title did work out well for Denise Saluto, and since I would never have predicted it happening in her case, I’m certainly not going to tell you it won’t happen again in yours, because as... (Continue reading)

Debt Forgiveness – The IMF, Iceland, and the U.S. of the 1930s all say it works

Debt Forgiveness - The IMF, Iceland, and the U.S. of the 1930s all say it works

Iceland’s mortgage write-down program happened as a result of thousands of its citizens taking to the streets demanding that something be done about the debts the people had incurred buying homes during the bubble at what turned out to be... (Continue reading)

Utah Foreclosure Defense Attorney

Utah Foreclosure Defense Attorney

Tweet Walter T. Keane Esq. The Law Offices of Walter T. Keane, P.C. 2825 Cottonwood Parkway, Suite 500 Salt Lake City, Utah 84121 Telephone: (801) 990-4422 Facsimile: (801) 606-7533 Website: www.WalterTKeane.com... (Continue reading)

Foreclosure Fraud: Tough Issues With Which to Grapple

Tweet Originally posted in October 2010. This past week, pretty much every conversation I find myself in has something to do with the MASSIVE FRAUD that has emerged related to our nation’s housing, mortgage, credit, foreclosure and economic crises… see,... (Continue reading)

What We All Should Have Learned by Now About Loan Modifications

Tweet Originally posted in April 2010. I’m starting to feel Dizzy. 1. HAMP, after its first year, is officially a BUST – Yes, its true. The President’s Home Affordable Modification Program is not working worth a damn.  According to the... (Continue reading)

The Question of Bankruptcy

Tweet Originally posted in February 2010. What do…   P.T. Barnum  H.J. Heinz  Mark Twain  Henry Ford  Debbie Reynolds  Burt Reynolds  Kim Basinger  Walt Disney  Larry King, and  Donald Trump … have in common? They ALL filed for bankruptcy protection. That’s really... (Continue reading)

WHAT I NOW KNOW ABOUT THE FORECLOSURE CRISIS AND LOAN MODIFICATIONS

Tweet Originally posted in April of 2009… why do so few people know this even today, in 2012?   Facts I’ve discovered after months of investigation into private loan modification companies, our government’s response to the foreclosure crisis, and banks.... (Continue reading)

Strategic Default is a Moral Dilemma. Thats simply adorable, dont you think?

Tweet Originally posted in January 2010. Lately, one report after another is discussing the issue of “strategic defaults,” or as the mortgage banking industry would call them “ruthless defaults”.  These are the foreclosures that happen on purpose.  People find themselves owing... (Continue reading)

Why Banks Are Better at Making Loans Than Modifying Them

Tweet Originally posted in November 2009.   According to just about everyone on television and in print these days, should a homeowner get the crazy idea that they might be able to avoid losing their home to foreclosure through a... (Continue reading)

Lies and Damn Lies About Getting a Loan Modification

Tweet Originally posted in September 2009.   I’ve been following the whole mortgage meltdown and loan modification debacle for so long now that all I dream about anymore is people losing  homes, and bankers being sent to serve time at... (Continue reading)

LOAN MODIFICATIONS: IS THIS WHAT IM SUPPOSED TO BELIEVE??

LOAN MODIFICATIONS: IS THIS WHAT IM SUPPOSED TO BELIEVE??

Tweet Originally posted in May 2009 IS THIS WHAT I’M TO UNDERSTAND? You don’t need to hire anyone to help you negotiate with your bank for a loan modification. You don’t need an attorney, you don’t need a mortgage expert,... (Continue reading)

Loan Modifications and the Right to Representation

Tweet Originally posted in May of 2009… why it’s still a question in our society is beyond me.   As a citizen of the United States, I think you have a right to legal council and representation. That right is... (Continue reading)

Deceptive foreclosure headlines spread like wildfire in Utah

Deceptive foreclosure headlines spread like wildfire in Utah

A 74 percent “jump” in foreclosures in a single month of this year would seem to me to be a much more important piece of news than any year over year comparison, although I would readily agree that it doesn’t... (Continue reading)

Bar Defense Atty David Carr Exposes the CA Bar on Scammers and SB 94 – A MM Podcast

Bar Defense Atty David Carr Exposes the CA Bar on Scammers and SB 94 - A MM Podcast

If you're a lawyer or real estate licensee that has been involved in helping homeowners save their homes from foreclosure over the last few years, or a homeowner struggling to understand the crisis at hand... I PROMISE... YOU DO NOT... (Continue reading)

White Powder in Envelopes Mailed to Wells Fargo in NYC Idiots happy its not toxic

White Powder in Envelopes Mailed to Wells Fargo in NYC  Idiots happy its not toxic

AP reported that the powder in the envelopes caused evacuations at bank branches, but no injuries, as if that last part mattered in the least. Idiots appear to be happy that the powder was found to be cornstarch… as... (Continue reading)

DOER UPDATE: Patricia Martin v. Wells Fargo Court Grants Injunction, Injustice on Trial Ahead

DOER UPDATE: Patricia Martin v. Wells Fargo  Court Grants Injunction, Injustice on Trial Ahead

Zanides estimates that the bank has spent a significant amount already on legal fees and now is certain to spend a whole lot more. Patricia Martin’s home is worth no more than $275,000. How can it be worth... (Continue reading)


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