Foreclosure Defense

Bankruptcy Reform

10/22/11

People who are facing mortgage foreclosure routinely ask me if they can get their house payment lowered by filing bankruptcy.  This question highlights a common misconception of bankruptcy law, and may be the result of news articles dealing with the mortgage foreclosure crisis.  Last year the House of Representatives passed H.R. 1106: The Helping Families Save Their Homes Act [...]

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Take Control of Your Landlord/Tenant Dispute

10/12/11

If you are facing legal proceedings involving a landlord/tenant dispute, then you need an attorney. The Suffolk County District Court’s website says it best, and it’s best to take this warning to heart: Proceedings to recover real property require specific legal knowledge. This court strongly recommends that you retain an attorney. If you wish to [...]

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Countrywide Home Loans Will Pay $108,000,000 to Customers Affected by its Unfair Lending Practices

08/24/11

Countrywide Home Loans Will Pay $108,000,000 to Customers Affected by its Unfair Lending Practices – and Give Adequate Notice of its Charges to Debtors in Bankruptcy   This Department of Justice News Release is Reprinted Here as an Educational Service It is always prudent for homeowners to check with a lawyer specializing in financial rescue [...]

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Plan Could Slow Down Florida Foreclosures

08/21/11

NACBA (National Association of Consumer Bankruptcy Attorneys) responded this weekend to the government’s latest approach to the foreclosure crisis with what many people are calling the Principal Paydown Plan. Rather than turn the United States into a nation of renters under the recent suggestion that Freddie and Fannie rent their foreclosed properties or sell them as rentals, NACBA [...]

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Filling a pro-se Chapter 13 to stop a foreclosure, a bad idea, but sometimes necessary

08/04/11

  It is of course a bad idea to file on your own, but I recognize that in some cases it is necessary as you may not have the funds to hire an attorney.  Sometimes, you can hire an attorney once you have filed, and your case can succeed.  It used to be a lot [...]

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How A Tampa Bankruptcy Lawyer Can Prevent A Home Foreclosure With A Bankruptcy Petition

07/25/11

The stagnant economy and depressed housing market has created a huge financial burden for millions of Americans. Many Americans are unemployed and having a difficult time keeping up with their debt obligations. Furthermore, declining home values are exacerbating the financial strain put on families. Millions of homeowners now owe more on their mortgage than the [...]

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What is a straw buyer and what are the consequences? Is this an option to consider if I can’t qualify the home I want?

06/30/11

A straw buyer is a fake buyer set up to defraud the mortgage company.  If an individual cannot qualify for a loan for a particular home, due to bad credit or some other reason, it may seem like a solution to ask a relative or friend to purchase the home and pay them.  However, this [...]

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Homeowners Now Being Cheated by “Mortgage Auditors”

06/27/11

This is my first post on National Bankruptcy Forum and I wanted to address an issue that is very important to me.  Many Bankruptcy Attorneys are active in the fight to save their client’s homes.  When in the middle of a fight for your home please talk with an attorney before you hire a securitization [...]

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