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Latest Articles

A Podcast with David Andelman of CNN and USA Today...

A Podcast with David Andelman of CNN and USA Today…

I watched David on television when I was a teenager, standing in front of the White House, as the correspondent for CBS Evening News.  There's no question about it... he's a very smart guy who has seen an amazing amount of history.  He can remember covering presidents since JFK....

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Podcast: Attorney Tom Cox on How to Handle Mortgage Forbearances

What if you accept a forbearance and don't make your $2,000 a month mortgage payments for six months? Is this going to be a problem for millions of homeowners? ...

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From Forbearance to Foreclosure? A Real Home and Business Owner Podcast

But, forbearance is not forgiveness.  At some point the money has to be paid back.  The question for millions of Americans today is: How?...

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A Realistic View of the Economy Ahead – Part 2

I realize the media is saying that "there are signs that our recovery is slowing," but that's just a bunch of nonsense.  This is not a time to live in denial....

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Attorney Max Gardner on the U.S. Economy Today - A Mandelman Matters Podcast

Attorney Max Gardner on the U.S. Economy Today – A Mandelman Matters Podcast

Max Gardner is widely recognized as the top consumer bankruptcy attorney in the country. If there's anyone's view on the U.S. economy today that I'd want to hear now... it's Max's for sure....

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VIDEO: What is a Reverse Mortgage? And why consider one now.

VIDEO: What is a Reverse Mortgage? And why consider one now.

What is a reverse mortgage, really? The simple fact is that if you had a HECM, and you were to make payments each month like you do on your current mortgage, it would operate much like your current mortgage does....

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VIDEO: What We Know and Don't Know About the Economy

VIDEO: What We Know and Don’t Know About the Economy

Credit is tightening significantly, over 4 million homeowners have stopped making mortgage payments and some 40 million are un- or under-employed. So, what can you do to protect yourself going forward? ...

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Why EVERY Attorney Needs to Know What HECM Means    

Why EVERY Attorney Needs to Know What HECM Means    

I've had attorneys tell me that it's not their job to know about such things, but I think that's wrong.  If your job is to solve problems then I think it is your responsibility to know about the tools that help solve problems in unique ways... and the HECM should...

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The HECM Mortgage is Controversial?  Well, it shouldn't be.

The HECM Mortgage is Controversial?  Well, it shouldn’t be.

Everyone approaching or in retirement should know about the HECM program and how it might impact their retirement years. There's absolutely nothing wrong with today's HECM mortgages... no matter what you've heard in the past....

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LOAN MOD MATTERS

It’s the END OF HAMP… And the Beginning of a New Era in Loan Modifications

HAMP has to be one of the least popular government programs ever. The irony...

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More Stories

  • Attorney Nick Wooten is Suing Banks in Illinois for Breaking Into Homes
  • Thank You Specialized Loan Servicing (SLS) for Helping Mrs. Presterl Keep Her Home
  • Kevin Carter (aka Kevin Rasher) Finally In Jail for Defrauding Homeowners… But He Should be Indicted for Murder, Here’s Why
  • A Reverse Mortgage Ruined His Life?  Nonsense.  Not true.
  • The Foreclosure Crisis is Dead.  Long Live the Foreclosure Crisis.
  • Why Foreclosures Won’t Be Stopping Anytime Soon
  • Max Gardner on Yvanova v. New Century Mortgage – A Mandelman Matters Podcast
  • California Court’s Yvanova Decision Opens Door to Very Dark Room
  • Max Gardner’s Consumer Defense Academy: Latest in Loss Mitigation – March 19th, Portland
  • California No Longer Foreclosure Kingpin? Playing with the data… again.

IT'S THE BANKS, BETCH!

Wells Fargo’s Tolstedt Did Exactly What She Was Supposed to Do

See, I thought that working at a bank like Wells Fargo would mean having to...

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More Stories

  • Ex-Goldman Execs Now “Help” Foreclosure Victims Buy Homes at 10% (Homes they probably shouldn’t have lost in the first place?)
  • Nationstar: Servicer’s Stock Price Closes at New Low… Look Out Below!
  • Nationstar: A Multi-billion Dollar Settlement over Foreclosure Practices Waiting to Happen
  • OCC Clamps Down on 6 Banks for Noncompliance with 2011 Consent Orders
  • Bank of America Report: Housing to Start 3-Year Price Decline in 2017
  • Supreme Court Rules… Homeowners Can’t Strip Underwater Seconds in Ch. 7 Bankruptcy
  • Judge Rules Wells Fargo Failed to Comply with 2010 Settlement – Many homes lost unnecessarily.
  • Saxon Settles HAMP Class Action for $4.5 Million… A win for homeowners, LOL
  • Study Shows Foreclosure-related Suicides Doubled, 2006 ““ 2010
  • Exit, Stage Right ““ Fed to Stop Bond Buying, Uncharted Waters Ahead

LEGISLATIVE LUNACY

So, this is what actually happened on Monday in Washington.

The New York Times broke the story, hundreds followed and soon there were so many...

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More Stories

  • Not Surprisingly, HAMP & HARP Programs Extended Once Again
  • The Faux Debate Over the Farcical Cliff that’s Hurting the Rest of US
  • Should States Use Settlement Money for Deficits or Housing? Oh, So What and Who Cares?
  • Thankfully, FHFA & Banks Killed Homeowner Bill of Rights
  • New Jersey Supreme Court’s Guillaume decision meaningless – Should foreclosure defense rethink its strategy?
  • Mandelman Speaks at California State Bar’s Annual Discipline Hearings
  • Geithner is Allowing Banks to Recapitalize on Backs of Homeowners, or… Games Bankers Play
  • KILL BILL: Arizona Mortgage Lender’s Association Takes Credit for Killing SB 1259
  • SB 729 Fails – California Homeowners Get Banked but not Kissed Once Again
  • Wal-Mart, Bill Clinton & Now Act 885… Things I know about Arkansas?

PEOPLE SAY I'M FUNNY

The Voting Dead – A Tremendous New Series in January on FNN

Our country is now controlled by ghoulish, demonic creatures back from the grave to walk...

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More Stories

  • ‘Twas the Night Before Christmas 2015
  • 25 Ways You Know You’re a Guy Over 50…
  • I’m Fed Up With Almost Everything in this Country
  • ‘Twas the Night Before Christmas – 2014 (A Political & Social Year-in-Review)
  • Effectiveness of Government Plan to Create Foreclosures to Increase as Rates Rise
  • ‘Twas the Night Before Christmas – 2013
  • The Discovery of Robo-Signing – Memorable Moments from the Foreclosure Crisis
  • The Weather In India – Memorable Moments from the Foreclosure Crisis
  • IT’S DAVID STERN DAY! This Mandelman Matters Podcast is RATED ‘R’ for language.
  • Mandelman’s Top Jewish Motion Pictures of All Time!

PODCASTS & VIDEOS

Erwin Chemerinsky: Does Anything Trump the U.S. Constitution? A Mandelman Matters Podcast

Constitutional law scholar and Dean of UCI Law School, Erwin Chemerinsky talks with me about...

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More Stories

  • Attorney Mark Didak Who Wrote Amicus Brief in Yvanova v. New Century – A Mandelman Matters Podcast
  • Richard Antognini, the Lawyer Who Took Yvanova to California’s Supreme Court – A Mandelman Matters Podcast
  • The 2 Attorneys that Won $16 million Jury Verdict Against PHH Mortgage – A Mandelman Matters Podcast
  • Meet the Lawyers who Won $16 Million for CA Homeowner – A Mandelman Matters Podcast
  • Understanding ObamaCare with Industry Expert Craig Lack – A Mandelman Matters Podcast
  • 3 out of 3 Dismissed WITH Prejudice! Tom Cox for the Homeowner – A Mandelman Matters Podcast
  • Hear Tom Cox Fight Foreclosure in Maine Supreme Court – Color Commentary by Max Gardner
  • Discussing Foreclosure Crisis Solutions with Impac Mortgage CEO Joe Tomkinson
  • Goldman Sachs on the Pacific – Inside Countrywide with Michael Winston… A Mandelman Matters Podcast
  • David Min Interview – Part 2 – A Mandelman Matters Podcast

POLITICALLY SUSPECT

We teach our children to compromise, but have we forgotten how to do it as adults?

We seem to have forgotten that compromise is crucial to our collective future... that without...

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More Stories

  • Well Played – The Republican Tax Cut Strategy
  • Trump travel-banned Chad.  Chad pulled troops from Niger.  Then our troops were ambushed in Niger and four Americans are dead.  David Andelman reports on CNN.
  • I Have a Good Friend That I Don’t Agree With, Should I Hate Him?
  • The Legend of Trump the Outsider and the Same Old Ugly Politics
  • Why I haven’t written about Trump’s presidency all year
  • Now we care about how Steve Mnuchin at OneWest Bank handled foreclosures?
  • Trump threatens to prosecute Clinton if she pursues recount? Now there’s a good reason for her to do it.
  • Are Foreclosures Impacting the Presidential Election in 2016?
  • Fannie Mae CEO Agrees: Trump and Hillary should talk more about housing
  • DOER ALERT: Support Homeowner Survivor Bill of Rights – Extend Foreclosure Protections to Widowed Spouses

APPRAISE THIS: HVCC

Worst June EVER for New Home Sales

Adjusted down to a rate of 267,000 annual sales was the worst month on record....

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More Stories

  • CUOMO’S CROSSING – An Outsider’s Appraisal of the New HVCC Rules
  • July’s Niche Report: Cover Story by Mandelman on HVCC

REVERSE MORTGAGE MATTERS

HELOCs are Bad for Older Homeowners. Better Options Exist

The PLOC costs about the same as the HELOC and the interest rates are competitive,...

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More Stories

  • Merrill Lynch Proves Clueless on Use of Home Equity in Retirement
  • HUD’s Recent Changes to HECM Reverse Mortgages are Positive, Although Some Will Find it Harder to Qualify
  • The Media Continues to Get it Wrong on Reverse Mortgages

RETIREMENT MATTERS

More Consumers Confused by Role of CFPB than Reverse Mortgage Ads

The Consumer Financial Protection Bureau (CFPB) recently conducted a focus group at which they showed...

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More Stories

  • How & Why I Fell in Love with the Reverse Mortgage
  • Motley Fool’s 10 Reasons Not to Get Reverse Mortgage is So Wrong… but Some Right
  • REALITY CHECK: “Reverse Mortgage Realities” According to The New York Times

BANKRUPTCY REFORM

GUEST POST: Debtor Education Course: Are Joe and Sally to Blame? By Attorney Russ DeMott

Russ truly likes helping people with financial struggles. "I view my practice as a way...

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More Stories

  • A TIME FOR GOOD JUDGEMENT: The jury is in AND we need judges to modify the way banks behave.
  • New Bankruptcy Court Decision Sounds the Alarm – The USS MERS is Going Down
  • The Great Unwind and the Final Redemption, by O. Max Gardner III

WRITTEN-4-HOMEOWNERS

The 55¢ Campaign and Why YOU Should Support It NOW, before Election Day

Will the Post Office be able to handle the unprecedented number of mail-in ballots expected?...

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More Stories

  • Memo to Really Rich People: Just Shut Up.
  • Student loans missing chain of title paperwork being wiped out by courts
  • Average Home Prices Are Irrelevant for You or Me

PERSONAL MATTERS

The difference between Betsy DeVos and Past Education Secretaries

I profiled the qualifications of two past education secretaries alongside the resume of Trump's nominee,...

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More Stories

  • SHOCKING: I just found out the hard way how dangerous Facebook can be.
  • Thanks a lot Volkswagen… 
  • Top 10 Most Extreme Sports (that haven’t been invented yet.)

IDEAS THAT MATTER

The View of Illegal Immigration from the Mexican Border – A Mandelman Matters Podcast

This is not a "left or right" podcast. It's an interview with an attorney...

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More Stories

  • Understanding the Real Story on Immigration and Sanctuary Cities
  • The First Presidential Debate… Can we be honest about this?
  • What is Credit Damage and What Can You Do About It?