Confidentiality issues in mortgage litigation arise frequently. From the early stages of discovery through final settlements, lenders and servicers routinely ask practitioners and clients to keep secrets. But, do these requests go too far? Does the servicers protective order sweep to broadly? Are you putting yourself and your client at risk when you agree to [...]
Since the turn of the century, the majority of residential loans have been securitized with the mortgage loans being transferred numerous time as they move through the securitization process. This session will delve into the Uniform Commercial Code--articles 1, 3 and 9--to figure out whether loans were properly transferred between parties and who really owns [...]
Bankruptcy is one of the most effective tools for preventing foreclosure. From the automatic stay to the ability to cure mortgage arrears, bankruptcy can help save homes. But the power of bankruptcy goes beyond these two critical provisions. Any advocate working to preserve homeownership needs to know what bankruptcy can and cannot do for clients [...]
After a death in the family or a divorce, financial hardship often follows. The heir or ex-spouse trying to save the home from foreclosure may not have been an original borrower on the mortgage loan. Mortgage servicers sometimes refuse to provide any information or claim that such a non-borrower cannot apply for a loan modification. [...]
Medley of Mortgage Issues: In this webinar, our presenters will provide updates on various mortgage-related programs including FHA loss mitigation, new reverse mortgage rules, the applicability of the ATR rule for successors in interest, deficiency judgments, and an overview of the latest mortgage servicing rules proposed by the CFPB. Presenters: Geoff Walsh and Odette Williamson, [...]
The family home is often viewed as a pillar of stability and economic well-being. But, death and divorce are two events that can rock families to their core. These events are often coupled with financial distress and can lead to the loss of the home. Mortgage servicers treatment of surviving spouses and divorcees too frequently [...]
This webinar will discuss the FTCs new consumer education campaign for active older people – Pass It On. The campaign is based on the idea that older adults – a huge group with life experience and social networks – are part of the solution, not simply the victims of scammers. Pass It On acknowledges their [...]
This webinar will review the existing guidance and developing caselaw on the rights of successors in interest (heirs, divorcing spouses, and other intra-family transferees) to assume and modify mortgage loans. This Webinar is provided by the National Consumer Law Center and the Legal Assistance Foundation (LAF) of Chicago with a grant from the Office of [...]
The senior population of the United States is expected to grow rapidly over the next twenty years. Rather than enjoying their golden years, increasingly older Americans are struggling with less income, greater debt and insufficient retirement savings. The average amount of debt held by seniors has soared over the last decade. Many now rely on [...]
This is Part 2 of the webinar covering the privately enforceable mortgage servicing regulations under RESPA that go into effect on January 10, 2014. This session will focus on the Regulation X provisions dealing with early intervention, continuity of contact, and loss mitigation procedures (including dual tracking). San Francisco-based housing advocacy center, the National Housing [...]
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