Do you qualify for a HAMP loan modification? It's worth noting that prior to 2008, I would have to say that the question of qualifying for a loan modification had never been asked of anyone, because for all intents... (Continue reading)
Or, let's be honest about this... a more accurate way to describe what happened here, would be to say that the Robinsons didn't want to notify MERS, because they wanted the default judgment that was likely to result from only... (Continue reading)
Here are my 12 RULES for Contacting Servicers... Getting your loan modified is easier today than its ever been... that's a fact. But coming to the table with the baggage of whatever happened last time will only increase the... (Continue reading)
The NYS MAP program will be available in Long Island only starting on September 15th, and elsewhere in the State of New York as of October 15th. Loans made under the program can, among other things, be used to... (Continue reading)
Unfortunately, as so many homeowners have learned the hard way, it's not easy to figure out what's right and what's not about your loan modification application, and so many homeowners fail when they could have succeeded had they known what... (Continue reading)
I've seen my government fail at lots of things over the years, but this failure is too important and too costly to allow it to continue. We've lost more than five million homes to-date... and recent forecasts show we're... (Continue reading)
I think the entire country is under the impression that servicers foreclose because it's in the best financial interests of the investors, and perhaps sometimes they do... but data from this trust and others I've looked at, to my way... (Continue reading)
Okay, so I'm just giving Diana a hard time... she's got a tough job being the only voice no blaming the whole housing debacle on deadbeat borrowers who all bought home they couldn't afford. Instead, Diana doesn't mention foreclosures... (Continue reading)
How about if everyone who knows how to postpone a sale date, volunteers to help anyone who needs to postpone a sale date in December or at least for the first two weeks of January... in other words help postponing... (Continue reading)
My article was nonsense, according to Michael Pines? Well, that would certainly be disappointing, I wasn't aware that I had ever written an article that was considered nonsense by anyone. I'm not saying that everyone likes what I... (Continue reading)
This past September signified the fourth straight month of a decline in existing home sales, while mortgage interest rates hit two-year highs. The Mortgage Bankers Association index of mortgage activity is now at its lowest point since November of... (Continue reading)
About 18 months ago, I started looking for a company that helped people improve their FICO scores. Not only was I interested in finding out how such services worked for my own personal reasons, but I also figured that... (Continue reading)
If you want to learn about what happened to Mr. Glaski... how his case went in the lower court... and how it ended up going his way in the Court of Appeal... get the to get inside scoop from... (Continue reading)
Being behind on your mortgage is never any fun, but don't listen to those that would have you believe that the loan modification process hasn't changed at Bank of America over the last few years because they're wrong... it's much... (Continue reading)
So, please... accept this invitation from me and from Bank of America... click the link below and make a reservation to attend one of the upcoming homeowner events. Come and meet me and the loan resolution team specialists at... (Continue reading)
I wrote this to you and other homeowners because I've been a witness to what Martin's help can lead to and what a homeowner can accomplish even when that homeowner has stopped believing that anything can work. Just because... (Continue reading)
Specifically, the Fifth Circuit held that the split-the-note theory, "is inapplicable under Texas law where the foreclosing party is a mortgage servicer and the mortgage has been properly assigned," adding that, "the party to foreclose need not possess the note... (Continue reading)
My point is that the increasing sales volume of non-performing loans means the unthinkable... that it's going to get even worse for homeowners who are seriously delinquent and need to get their loans modified in order to keep their homes.... (Continue reading)
And that's not even the worst of it. Sheriff's auctions in Ohio were up 73 percent in April compared with a year ago reaching the HIGHEST LEVEL IN FIVE YEARS.... (Continue reading)
RealtyTrac Vice President, the ubiquitous Daren Blomquist, said he had "no immediate concern" related Connecticut's newfound foreclosure prowess, which makes perfect sense since he's not losing a home there. ... (Continue reading)
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 of... (Continue reading)
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. But, always remember… often people have a hard time understanding exactly what our laws mean just... (Continue reading)
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 North... (Continue reading)
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 beginning... (Continue reading)
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 related... (Continue reading)
Dale Wiley Foreclosure Law LLC 5049 Devonshire Street Suite B St. Louis, MO 63109 Telephone: (877) 945-3952 Website: http://www.foreclosurelawllc.com/ Special Mandelman Matters Podcast featuring Dale Wiley... (Continue reading)
CLICK BELOW FOR: State of Missouri Foreclosure Laws The link above will take you to the page dedicated to Missouri’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (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)
Foreclosure defense attorneys Matt Weidner and Tom Cox tell Mandelman what's working and what's not for homeowners in foreclosure courts. ... (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)
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)
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)
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)
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 real... (Continue reading)
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 A.... (Continue reading)
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 New... (Continue reading)
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. But, always remember… often people have a hard time understanding exactly what our laws mean... (Continue reading)
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 related... (Continue reading)
CLICK BELOW FOR: State of Michigan Foreclosure Laws The link above will take you to the page dedicated to Michigan’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
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, Rick... (Continue reading)
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 Department... (Continue reading)
CLICK BELOW FOR: State of Tennessee Foreclosure Laws The link above will take you to the page dedicated to Tennessee’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
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 related... (Continue reading)
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 of... (Continue reading)
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 related... (Continue reading)
CLICK BELOW FOR: State of Maine Foreclosure Laws The link above will take you to the page dedicated to Maine’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by... (Continue reading)
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 related... (Continue reading)
CLICK BELOW FOR: State of Alabama Foreclosure Laws The link above will take you to the page dedicated to Alabama’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
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 Health... (Continue reading)
CLICK BELOW FOR: State of Ohio Foreclosure Laws The link above will take you to the page dedicated to Ohio’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
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 related... (Continue reading)
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 of... (Continue reading)
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 to... (Continue reading)
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 Development... (Continue reading)
CLICK BELOW FOR: State of Connecticut Foreclosure Laws The link above will take you to the page dedicated to Connecticut’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
CLICK BELOW FOR: State of Ohio Foreclosure Laws The link above will take you to the page dedicated to Ohio’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
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 Jersey... (Continue reading)
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. But, always remember… often people have a hard time understanding exactly what our laws mean... (Continue reading)
STATE OF NEW JERSEY GOVERNMENT RESOURCES: 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 Legislative... (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)
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 Ltd.... (Continue reading)
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)
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: http://www.clarkebalcomlaw.com/... (Continue reading)
According to a story in Mortgage News Daily, California's Lt. Governor Gavin Newsom took a couple of shots at a Washington D.C. trade group called the Securities Industry and Financial Markets Association ("SIFMA") in response to their threatening San Bernardino... (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)
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)
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 Texas... (Continue reading)
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 Credit... (Continue reading)
CLICK BELOW FOR: State of Texas Foreclosure Laws The link above will take you to the page dedicated to Texas’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
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 related... (Continue reading)
CLICK BELOW FOR: State of Illinois Foreclosure Laws The link above will take you to the page dedicated to Illinois’ foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
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 Department... (Continue reading)
Don't have time right now? MAKE TIME RIGHT NOW. Read this and DO SOMETHING.... (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)
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 related... (Continue reading)
CLICK BELOW FOR: State of Washington Foreclosure Laws The link above will take you to the page dedicated to Washington’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean... (Continue reading)
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: http://johnlonglaw.com/ STATE OF WASHINGTON GOVERNMENT RESOURCES: Washington Secretary of... (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)
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)
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)
CLICK BELOW FOR: State of Oregon Foreclosure Laws The link above will take you to the page dedicated to Oregon’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
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 related... (Continue reading)
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: http://www.clarkebalcomlaw.com/ STATE OF OREGON GOVERNMENT RESOURCES: Oregon Bureau of Labor & Industries Oregon... (Continue reading)
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 Department... (Continue reading)
CLICK BELOW FOR: State of Hawaii Foreclosure Laws The link above will take you to the page dedicated to Hawaii’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
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 related... (Continue reading)
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 New... (Continue reading)
CLICK BELOW FOR: State of Nevada Foreclosure Laws The link above will take you to the page dedicated to Nevada’s foreclosure laws. But, always remember… often people have a hard time understanding exactly what our laws mean just by reading... (Continue reading)
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. But, always remember… often people have a hard time understanding exactly what our laws mean just... (Continue reading)
STATE OF NEW YORK GOVERNMENT RESOURCES: 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 Locate... (Continue reading)
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 Lane... (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)
If someone has told you that I am involved in a loan modification law firm or any other type of operation, asking that you pay him or her money to get your loan modified, it is a SCAM. ... (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)
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 just... (Continue reading)