Nevada’s legislature is considering adopting its own Homeowner Bill of Rights, and in fact, the bill... SB 321... has already passed the Nevada State Senate and is headed to the House.... (Continue reading)
It's been 3.5 years since the money was made available. It’s time for the programs funded by hardest hit funds to help homeowners... stopping foreclosures with aggressive benefits and inclusive qualifying requirements. Surely we know what doesn’t work...... (Continue reading)
Unless you believe that the foreclosure picture in this country somehow magically changed dramatically over the last month or two... you don’t want to wake up one day to find out you might need mediation... only it’s no longer there.... (Continue reading)
There is one mortgage banker that did it right for their shareholders and borrowers. They didn’t take TARP funds or any sort of tax-payer funded bailout... instead they took their losses, restructured the company, and protected their shareholders... ... (Continue reading)
I wish we’d stop with the false bottoms and imaged recovery stories so we could actually concentrate on making some much needed improvements in how we’re handling our economic malaise, because that’s the only way we’re going to see any... (Continue reading)
I know many have been wondering where I’ve been for the last two months from the slew of emails I’ve received, I thought I’d explain what I didn’t want to explain at the time... and let everyone know that not... (Continue reading)
Tweet This Page Sponsored By… Dale Wiley Foreclosure Law LLC 5049 Devonshire Street Suite B St. Louis, MO 63109 Telephone: (877) 945-3952 Website: http://www.foreclosurelawllc.com/ STATE OF MISSOURI GOVERNMENT RESOURCES: Attorney General Chris Koster Auditor Thomas A. Schweich Department of Economic Development Department... (Continue reading)
Tweet CLICK BELOW FOR: State of North Carolina Foreclosure Laws The link above will take you to the page dedicated to North Carolina’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in North Carolina. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of... (Continue reading)
Tweet Brian F. Chapman The Law Office of Brian F. Chapman 113 N. Center St. Suite 103 Statesville, NC 28677 Ph. 704-380-2039 Email: brian@chapmanlawonline.com  To hear talk about the latest developments related to foreclosure in North Carolina… as of the... (Continue reading)
Tweet You have found the Mandelman Matters state specific series of pages dedicated to homeowners at risk of foreclosure in Missouri. On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Missouri... (Continue reading)
Tweet Dale Wiley Foreclosure Law LLC 5049 Devonshire Street Suite B St. Louis, MO 63109 Telephone:Â (877) 945-3952 Website:Â http://www.foreclosurelawllc.com/ Special Mandelman Matters Podcast featuring Dale Wiley... (Continue reading)
Tweet CLICK BELOW FOR: State of Missouri Foreclosure Laws The link above will take you to the page dedicated to Missouri’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
The problem is that when we start believing things that aren’t true... even though do so might make us feel better for the moment... that’s when we lose all of our power. No one is powerful when they’ve got... (Continue reading)
When Countrywide had aspirations to become “Goldman Sachs on the Pacific,” they recruited Michael to help them get there. They may have appeared to understand when Michael spoke of the programs he would initiate, but soon it was quite... (Continue reading)
Okay, so that’s GAME OVER for the State of Illinois. Ball four... take a hike... we’ll see you back here in 2014 or 2015. Take some time off, you deserve it. ... (Continue reading)
We've lost more than five million homes to foreclosure since 2008, and according to all published data at the end of 2012, we've got millions more seriously delinquent or at risk... but somehow housing is defying all laws of economics... (Continue reading)
David takes us through concise and easy to understand explanations of most of the major events since the meltdown began on July 10, 2007... the day the credit markets went into a deep freeze that continues to this day. ... (Continue reading)
Then how in the world can we be "at the bottom," of housing price declines or starting to see ANY sort of "housing recovery" as the MORONS in the media are also reporting TODAY, after receiving your press releases?... (Continue reading)
Take the test yourself right now and see how you do. It only takes a minute or two. The question is... How many times does the team in white shirts pass the ball?... (Continue reading)
Now, as anyone will tell you... Max Gardner knows this subject like the back of his hand, and he should... he's been at it for some 30 years... before the rest of us had any idea this sort of economic... (Continue reading)
Margery has been representing Florida homeowners since the foreclosure crisis first began in 2007, so when it comes to SCAMS... she's literally seen everything.... (Continue reading)
When all you need is a Mac, some software and a reasonably competent 15 year-old in order to create a reasonable facsimile of a U.S. Treasury bond, it could be incredibly problematic and a real opportunity to cash in for... (Continue reading)
One thing I will say about State Bar Executive Director Joe Dunn is that his political skills are nothing short of masterful... it's breathtaking, really. So, stay tuned... with hypocrisy operating at these levels, absolutely anything is possible. ... (Continue reading)
If you make a mistake and cause harm on a scale of the Great Depression, what happens to you? Don’t you even get fired? Reprimanded? A stern talking to?... (Continue reading)
I don't know what we'd do without the FOMC... except maybe... be forced to make real progress in some substantive way. ... (Continue reading)
So... even though many may still tell you that California is a non-judicial foreclosure state... they’re wrong and I’m calling it now... for all intents and purposes California’s future is as a judicial foreclosure state.... (Continue reading)
It doesn't look to me like canceling the OCC IFR saved the banks money, in fact it looks to me like it cost banks quite a bit more than they would have paid under the IFR's "Financial Framework" as shown... (Continue reading)
It’s perfectly understandable that many people don’t know what to believe anymore, after all, what we’ve seen happen all around us could drive anyone a little batty. But, understand that holding onto something that’s not true isn’t going to... (Continue reading)
Apparently, Orange County Superior Court Judge William H. Monroe is not only a judge and a lawyer, but he’s a READER too! And one might think that lawyers all over California would be popping open the champagne... or at... (Continue reading)
So here we are a year later. Like a runaway train, the State Bar is moving full speed toward a unstated goal that is inconsistent with the public interest: no lawyers available for borrowers who need assistance.... (Continue reading)
All homeowners are “responsible” people. Or, to be more accurate, 99.9 percent of homeowners are responsible people. Some minuscule percentage of any group make up the small tail of the bell curve. The simple fact, and we... (Continue reading)
On this Mandelman Matters Podcast: Foreclosures Rising with Attorney Brian Chapman, I ask Brian to walk through two recent decisions by the North Carolina courts, one of which is now headed for the state's Supreme Court. ... (Continue reading)
Either we could sell the space to the highest bidder... I bet McDonald’s would pay a pretty penny, no pun intended, to put "Ronald the Clown" on the new coin for example. Or, how about we engrave it to commemorate... (Continue reading)
Here's your first chance to listen to Phillip Swagel on a Mandelman Matters Podcast... he'll be back again... but you don't want to miss this one because we won't be going backward in time, so click PLAY below and listen... (Continue reading)
Gloria Petroni is concerned that Nevada homeowners may have been lulled into a false sense of security by AB 284 and now aren't familiar with what to do when faced with having to fight for their homes in court. ... (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)
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)
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)