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)
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)
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)
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)
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)
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)
Tweet CLICK BELOW FOR: State of Illinois Foreclosure Laws The link above will take you to the page dedicated to Illinois’ 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 ILLINOIS GOVERNMENT RESOURCES: Attorney General Lisa Madigan Auditor General William G. Holland Civil Service Commission Comptroller Judy Baar Topinka Department of Child & Family Services Department of Commerce & Economic Opportunity Department of Financial & Professional Regulation... (Continue reading)
And now I'm supposed to come to terms with the idea that the administration's bored with the topic itself? I could understand it if they were bored with something they'd mastered, although I can't for the life of me... (Continue reading)
Marty said that the SunTrust Bank executive said they should be able to do something to prevent her from losing her home. Marty said it was the first time in four years that she felt like someone was actually... (Continue reading)
It was a bad path to be on, as things turned out, but she didn’t know that for about 18 months. Right up until the day Chase sold her home without any real notice, Chase kept saying that they... (Continue reading)
Let’s let C.A.R. know that even though many of us may be losing homes today, that doesn’t make us deadbeats… it makes us strong… it makes us focused… and it makes us remember who was and who wasn’t on our... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Washington. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Washington... (Continue reading)
Tweet CLICK BELOW FOR: State of Washington Foreclosure Laws The link above will take you to the page dedicated to Washington’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws... (Continue reading)
Tweet This page sponsored by… 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:Â http://johnlonglaw.com/ STATE OF WASHINGTON GOVERNMENT RESOURCES: Washington Secretary... (Continue reading)
Anyway, so that's the deal... $500 to $125,000... PLUS EQUITY! It makes it sound like the worst you can do, assuming you get past the qualifying round, is the $500, right? Five hundred's not bad, I suppose. ... (Continue reading)
It’s hard to describe what I do when I say I help homeowners. I’m not a lawyer and I never offer anything close to legal advice. I'm not a mortgage expert either. I think my value is... (Continue reading)
Tweet CLICK BELOW FOR: State of Oregon Foreclosure Laws The link above will take you to the page dedicated to Oregon’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 Oregon. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Oregon... (Continue reading)
Tweet This Page Sponsored By… 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/ STATE OF OREGON GOVERNMENT RESOURCES: Oregon Bureau of Labor & Industries... (Continue reading)
Tweet STATE OF HAWAII GOVERNMENT RESOURCES: Hawaii Department of Attorney General David M. Louie Hawaii Department of Budget & Finance Hawaii Department of Business, Economic Development & Tourism Director, Richard C. Lim Hawaii Department of Commerce & Consumer Affairs Hawaii... (Continue reading)
Tweet CLICK BELOW FOR: State of Hawaii Foreclosure Laws The link above will take you to the page dedicated to Hawaii’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 Hawaii. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Hawaii... (Continue reading)
The real point is that we don't deserve someone like Elizabeth Warren and likely won't get her or anyone like her until we can answer her question about being ready with a resounding YES! and really mean it, as in... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in New York. 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 Nevada Foreclosure Laws The link above will take you to the page dedicated to Nevada’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
Tweet CLICK BELOW FOR: State of New York Foreclosure Laws The link above will take you to the page dedicated to New York’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean... (Continue reading)
Tweet STATE OF NEW YORK GOVERNMENT RESOURCES: Â Governor of New York Governor, Andrew M. Cuomo Department of Civil Service Department of Finance Department of Financial Services Department of State – Division of Consumer Protection Federal Reserve Bank of New York... (Continue reading)
Wells Fargo denied her application for a loan modification after roughly 18 months of trying. The letter said, “we carefully reviewed your… blah, blah, blah… and the investor has declined to modify your mortgage.” ... (Continue reading)
Tweet This Page Sponsored By… Tisha Black Chernine, Attorney BLACK & LOBELLO, Attorneys at Law 10777 West Twain Avenue @215 Third Floor Las Vegas, NV 89135 Ph. 702-869-8801 Fx. 702-869-2669 Gloria M. Petroni Petroni & Nichols LTD 417 West Plumb... (Continue reading)
I’m not saying that HAMP is the best solution I could come up with, but under the circumstances, I don’t see anything better… or frankly anything close as far as keeping people in homes. I end up helping a... (Continue reading)
It’s worth noting that in this case, the borrower did not allege that the two Banks had right to enforce the notes, only said the notes had to be shown, and the Court simply ruled that no such requirement was... (Continue reading)
Edward DeMarco of the FHFA is the conservator for the GSEs, Fannie Mae and Freddie Mac. At this point the president, the Secretary of the Treasury, and many in congress have asked him about participating in anything... HAMP, principal... (Continue reading)
When I saw the very first state make a grab for the settlement cash allegedly headed the state’s way, I laughed and vowed not to let it get to me. Mandelman Matters, after all, only writes about things that... (Continue reading)
What goes on in Jamie Dimon's head? He loses billions in a few weeks and then goes on Sunday morning talk shows looking like he's just written a cookbook or whatever, saying that he's getting tired of people hating... (Continue reading)
So, have you ever wondered what Goldman Sachs CEO is saying when the cameras aren't on, own what goes on under that highly polished dome of his? Well, I sure have. ... (Continue reading)
There's no reason to wait another day to begin building your Whislteblowing Futures Empire. It requires the smallest if investments, and the leverage involved can turn out to be off the charts... I mean, we're talking tens of thousands... (Continue reading)
"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)
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)
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)
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)
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. Â But, always remember… often people have a hard time understanding exactly what our laws mean... (Continue reading)
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)
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)
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)
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)
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)
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)
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)
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)
Tweet CLICK BELOW FOR: State of Arizona Foreclosure Laws The link above will take you to the page dedicated to Arizona’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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:Â www.WalterTKeane.com... (Continue reading)
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)
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)
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)
In 2012, the road to the White House runs directly through the states hardest hit by the foreclosure crisis, most notably Ohio and Florida, but also Michigan, Nevada, and North Carolina, et al. For the Obama campaign, I would... (Continue reading)
This week on 30 MINUTES OF TALKING I'm looking at the contradictions that are being thrown at us almost every day now... this past week it was the housing market that hit bottom, according to quite a few. But... (Continue reading)
The European bankers are no different than is the FHFA, which is led by Ed DeMarco, the guy stopping Fannie and Freddie from reducing principal balances of mortgages. He says he won’t do it because his job is to... (Continue reading)
Doesn’t it just figure that in this country, where we have so much food we that throw away inconceivable amounts on an hourly basis and literally pay farmers millions of dollars not to grow stuff… that we’d have trendy intellectuals... (Continue reading)
This week's show focuses on the Obama Administration's handling of the foreclosure and housing crisis, by examining the statements made during the press conference the administration held to announce the settlement between the 49 state attorneys general and the five... (Continue reading)
I can tell you that I receive more complaints about Wells Fargo refusing to approve loan modifications than any three other mortgage servicers combined. But then, Wells did modify one of the homeowners I wrote about a few months... (Continue reading)
Decisions made by Larry Summers have been disastrous for this nation… that much is abundantly clear. Tim Geithner’s been no peach either. Together their folly has cost our country incalculable amounts of money, but further, they have caused... (Continue reading)
First of all, I realize that I wasn’t there. And I understand that the guy had a beer in one hand and a gun in the other. But he was obviously thinking pretty clearly… after all, a couple... (Continue reading)
Some are saying the case may set a precedent for the packagers of CDOs, making their only responsibility to disclose risks and conflicts of interest involved. A lawyer said to be “deeply involved” in the case, was quoted as... (Continue reading)
I write to identify a policy change that would add trillions of dollars of liquidity to the housing market overnight. It would stimulate home sales, stabilize home prices, and reduce the number of home foreclosures.... (Continue reading)
On this Mandelman Matters Podcast, I ask Ed about the results of his extensive research into the FHA, which he refers to as the "new sub-prime," and "the next bailout." His extensive study of the FHA's data in terms... (Continue reading)
To really understand what happens when trying to determine the present and future value of a pool of loans within a mortgage-backed security, let’s put ourselves in the place of the investors… we’ll be investors together… and we’ll want to... (Continue reading)
If you're not already familiar with Ellen Brown, then I might as well just go ahead and say: "Your welcome," because I can't imagine anyone not liking this prolific blogger, author of 11 books, attorney, and President and Chairman of... (Continue reading)
But, the structural problems we face have NOT changed, so I see no possibility that we aren't going to see some continued weakening in the housing market in the years ahead, and I don't care whether we're talking Phoenix, or... (Continue reading)
Having Nye Lavalle and Max Gardner together is a rare event. Together, they would have to be considered the founding fathers of today's foreclosure defense movement, so this is an opportunity to learn how it all began and where... (Continue reading)
With so many Americans removed from the pool of potential buyers, those who own their homes with smaller mortgages or outright cannot sell their homes for decent prices, trapping them too in place and forcing some to delay retirement. The... (Continue reading)
Also, I’m wondering something… when you say that, “foreclosures are a necessary ingredient to the housing market’s recovery,” how many do you figure we’re going to need in order to "recover?" ... (Continue reading)
Who knows... trying to pick the bottom has long since proven itself to be a fool's errand anyway, right? It certainly should have by now. My advice would be to buy on the way up. Missing the... (Continue reading)
Join me and New Jersey bankruptcy and foreclosure defense attorney, Bruce Levitt as we talk about Kemp v. Countrywide, a much anticipated New Jersey Supreme Court from 2010 that really made it clear that there were some problems with the... (Continue reading)
Ireland journalist won't give up. Why do our journalists fail to get started?... (Continue reading)
Actually, I don’t even know if she can pull off that angry black woman thing, but that’s exactly what we need at a time like this. You think Weezy Jefferson would be putting up with some nerdy pasty white... (Continue reading)
Heidi Cuda, a producer from Fox 11 News in Los Angeles produced a week long series on the foreclosure crisis for the Channel 11 news and asked to interview me. I didn't like Part 1, but Part 2 was... (Continue reading)
So… housing is not, not, not at bottom, – check. Unemployment not improving – check. And does the stock market at 13,000 mean something to the economy? Nothing good – check.You might want to bookmark this page, so... (Continue reading)
So, why did I write this? Because it makes just as much sense as everything else that’s going on in this country, and at least it made me smile. ... (Continue reading)
The foreclosure crisis is seeping into our society everywhere. Or, at least it soon will be... ... (Continue reading)