John Gerth Merna’s Guides

John Gerth Merna

Virginia Beach Foreclosure Attorney.

Contributor Level 15
  1. How to Remove, Eliminate or Strip a 2nd Mortgage Off a House - Part III

    Written by attorney John Merna, almost 2 years ago.

    How to Remove, Eliminate or Strip a 2nd Mortgage Off a House - Part III Options One- Settling the debt 44 As explained in Part II of this guide, once a second mortgage is in default or behind on payments the lender has few options to force the homeowner to pay. In many cases the...

    1 person found this Legal Guide helpful

  2. How to Remove, Eliminate or Strip a 2nd Mortgage Off a House - Part II

    Written by attorney John Merna, almost 2 years ago.

    How to Remove, Eliminate or Strip a 2nd Mortgage Off a House - Part II Conditions Required- Not all second mortgages will be eligible for removal. To be in a position to eliiminate or remove a second mortgage the home owner will need two conditions to applie. The first is that t...

    2 people found this Legal Guide helpful

  3. How to Remove, Eliminate or Strip a 2nd Mortgage Off a House - Part I

    Written by attorney John Merna, almost 2 years ago.

    How to Remove, Eliminate or Strip a 2nd Mortgage Off a House - Part I: What is a 2nd Mortgage? A second mortgage or a second lien on real estate is a loan given either at the time of purchase or taken out later and secured by the real property. A second mortgage refers to a juni...

    3 people found this Legal Guide helpful

  4. Garnishment Hearings, Garnished Funds, and Bankruptcy in Virginia

    Written by attorney John Merna, over 2 years ago.

    If you received a garnishment summons then a judgment has already been entered and will appear on your credit. In Virginia, the court date on the garnishment summons is generally referred to as the "return date". There is no hearing on that date unless you file for an exemption. ...

    1 person found this Legal Guide helpful

  5. Considerations When Determining Whether To Keep An Upside-Down Property - Virginia

    Written by attorney John Merna, over 2 years ago.

    Many homeowners enterning bankruptcy are faced with the fact the the property values have dropped so significantly that not only do they not have equity in their property but the are "upside-down" on the property. "Upside-down" in equity in the property means the property is val...

    1 person found this Legal Guide helpful

  6. Can I Remove A Second Mortgage Lien If I Have Already Filed Chapter 7? - Virginia

    Written by attorney John Merna, over 2 years ago.

    A Chapter 7 bankruptcy will not strip a junior mortgage off of real property. Many individuals who have filed without the assistance of an attorney find out after the fact that they could have benefited by tens of thousands of dollars had the filed a Chapter 13 to eliminate their...

    1 person found this Legal Guide helpful

  7. Lien-Stripping a Second or Third Mortgage in Bankruptcy - Virginia

    Written by attorney John Merna, over 2 years ago.

    A short guide on removing a junior lien through the bankruptcy process.

    1 person found this Legal Guide helpful

  8. Receive A Foreclosure Sale Date While Applying For A Loan Modification - What To Do? - Virginia

    Written by attorney John Merna, over 2 years ago.

    Very often I meet with clients who are in the process of negotiating a loan modification with their mortgage company when they receive notice that they are being foreclosed on or even have a foreclosure sale date. Here is what to do.

    1 person found this Legal Guide helpful

  9. Signs A Foreclosure Sale Date Exists - Virginia

    Written by attorney John Merna, over 2 years ago.

    This may seem like an unusual topic for a legal guide. "Don't you receive notice?" you might ask. "Doesn't the law require you to be served?' Virginia is a non-judicial foreclosure state which means that the process of foreclosing does not require a court action. The foreclosure ...

    1 person found this Legal Guide helpful

  10. Can I Be Garnished?

    Video posted by attorney John Merna, over 2 years ago.

    Can a person be garnished by a person they owe money to. Attorney John G. Merna explains the implications and court processes involved. A bankruptcy lawyer servicing Virginia Beach, Chesapeake, Norfolk, Suffolk, Portsmouth, Hampton, Newport News, Williamsburg and Yorktown. He is ...

    1 person found this Legal Guide helpful

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