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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
Don't have time right now? MAKE TIME RIGHT NOW. Read this and DO SOMETHING.... (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)
The recent collapse of the real estate and financial markets in this country created the need for attorneys to help many of their homeowner clients by negotiating with lenders for a forbearance or modification of loans secured by the clients’... (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)
Your state assembly representative and state senator needs to hear from you on this issue. You should care a great deal that you have access to legal counsel should you decide you want or need it… no matter what...... (Continue reading)
We need growth, or we’re not getting out of this alive. It’s the only way. We can’t borrow and spend our way out of this one, like we have all the past recessions, or at least the ones... (Continue reading)
What the state bar is left with are not the lawyers that SB94 was intended to address but a target nonetheless because of SB 94's overly broad and possibly unconstitutional remedy… lawyers simply caught up in the loan mod dragnet.... (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)
Overall, the point I’m making is that I don’t really care that the government wants to pay Scrabble-type word games with the word “recession” or “recovery.” I don’t care how they want to screw around with the unemployment rate... (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)
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)
Walter Keane is Mandelman Matters' Trusted Attorney for the State of Utah. He's experienced... creative... caring... and just darn good at his job. He's also a pragmatist... meaning he's practical and above all... he's honest and very candid... (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)
Nancy Pelosi sent a Mandelman Matters reader, Amy Sheaffer, an email. Any wrote back. Brilliant! Lord, I do love my readers.... (Continue reading)
This newly renovated version of HAMP has been touted as being a major improvement to the HAMP program, and in many ways it is significantly better. ... (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)
Have you found your mortgage servicer to be a tad offensive at times. Well, that's to be expected, after all, they are a bill collector, right? Well, here's some news that will drive you insane... mortgage servicers are... (Continue reading)
Tim Miller, is a singer/songwriter from Dallas, Texas. Here he is performing a song he wrote after reading a news story about a family who lost their home, the victim of predatory lending.... (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)
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)
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)
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)
As many as 1,000 surprise guests visited the Bethesda home of Treasury Secretary Timothy Geithner on Sunday around 5:00 PM. ... (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)
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)
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)
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)
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)
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)
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)
Tweet CLICK BELOW FOR: State of California Foreclosure Laws The link above will take you to the page dedicated to California’s foreclosure laws. Â But, always remember… often people have a hard time understanding exactly what our laws mean just by... (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)
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)