Tag Archives: respa

FDCPA — Fair Debt Collection Practices Act

Posted on June 29, 2009 by Neil Garfield Don’t get misled by titles. The wording of the statute clearly uses “verification” not validation. Verification generally means some sworn document or affidavit. This means when you contest the debt under FDCPA … Continue reading

Posted in I Have a Plan | Tagged , , | 1 Comment

SB 94 and its interferance with the practice

CA SB 94 on Lawyers & Loan Modifications Passes Assembly… 62-10 The California Assembly has passed Senate Bill 94, a bill that seeks to protect homeowners from loan modification scammers, but could end up having the unintended consequence of eliminating … Continue reading

Posted in 2923.5, 2923.6, 2924, bankruptcy, Cramdown, eviction, FCRA, Foreclosure, I Have a Plan, Lender Class action, lis pendence, Loan Audit, mortgage meltdown, Mortgage modification, pedatory lending, Predatory Lending, Real Estate Settlement Procedures Act, respa, stop foreclosure, tila, truth in lending, United First, usury | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | 4 Comments

Don't get HAMP ED out of your home!

By Walter Hackett, Esq. The federal government has trumpeted its Home Affordable Modification Program or “HAMP” solution as THE solution to runaway foreclosures – few things could be further from the truth. Under HAMP a homeowner will be offered a … Continue reading

Posted in 2923.5, 2923.6, 2924, bankruptcy, Cramdown, eviction, Foreclosure, I Have a Plan, lis pendence, Mortgage modification, Predatory Lending, Real Estate Settlement Procedures Act, Recoupment, stop foreclosure, tila, truth in lending | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , | 1 Comment

A ‘Little Judge’ Who Rejects Foreclosures, Brooklyn Style

By Michael Powell – NY Times – 8/30/09 The judge waves you into his chambers in the State Supreme Court building in Brooklyn, past the caveat taped to his wall — “Be sure brain in gear before engaging mouth” — … Continue reading

Posted in 2924, bankruptcy, Cramdown, eviction, Foreclosure, I Have a Plan | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , | 1 Comment

United First Class Action

On Saturday March 7,2009 a meeting was held for 200 plus victims of the United First equity save your house scam. At that meeting it was determined that a class action should be filed to recover the funds lost by … Continue reading

Posted in 2923.6, bankruptcy, Cramdown, eviction, Foreclosure, I Have a Plan, Loan Audit, Mortgage modification, Predatory Lending, Real Estate Settlement Procedures Act, respa, stop foreclosure, tila, truth in lending, United First | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | 9 Comments

Lawyers that get it Niel Garfield list

Lawyers that get it Niel Garfield list lawyers-that-get-it-02092

Posted in bankruptcy, Cramdown, eviction, Foreclosure, I Have a Plan, Loan Audit, Mortgage modification, Predatory Lending, Real Estate Settlement Procedures Act, respa, stop foreclosure, tila, truth in lending | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

The Doan deal

California Civil Code 2923.6 enforces and promotes loan modifications to stop foreclosure in the state. California Civil Code 2923.6 (Servicer’s Duty under Pooling Agreements) went into effect on July 8, 2008. It applies to all loans from January 1, 2003, … Continue reading

Posted in Cramdown, eviction, Foreclosure, I Have a Plan, Loan Audit, Mortgage modification, Predatory Lending, Real Estate Settlement Procedures Act, respa, stop foreclosure, Uncategorized | Tagged , , , , , , , , , , | 1 Comment