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Erica Crohn Minchella

Erica Minchella’s Legal Guides

14 total


  • Some Defenses to Foreclosure

    1. Check the Note and Mortgage: They must match as to debt, date, parties. In order for there to be a mortgage, there HAS to be an underlying debt. If there is an error in the Note, there may not be an underlying obligation to support the Mortgage. 2. Look at the Assignment of th...

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  • Foreclosure: What to expect in Illinois - Defending a foreclosure

    I have three strategies for helping clients who are in foreclosure: (1) Defend; (2) Buy time; or (3) Give up. Here is what to expect if you are going to defend: Lenders made many mistakes in their loan packages in the mid 2000 aughts. It is therefore worthwhile to check every d...

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  • What Is a Reasonable Fee to Pay an Attorney For Buying a Home ?

    How do you find an attorney? The best way to find out what a reasonable fee is for a buyer in your area is to ask your Real Estate Agent or your Lender to provide you with three names of attorneys th

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  • What questions to ask someone helping you with a Loan Modification

    If I am paying upfront, is it legal? In certain states (California and Illinois, for example) it is illegal for a company to charge upfront fees to negotiate a loan modification for you. In Californ

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  • Why you should use a Real Estate Lawyer for the purchase of Real Estate

    You are obligating yourself to pay tens of thousands if not hundreds of thousands of dollars An attorney will guide you through the paperwork from the lender. They are not there to make decisions fo

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  • How to Buy an REO Property

    Get an inspection Make sure your contract provides for the right to get an inspection, even if the property is purchased "as is". Also, make sure your contract provides for the right to get out of t

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  • How to Buy a Property with a Partner

    Questions to Ask about a split up What will happen if we decide we will not live together after we have both signed for a mortgage and put the property in our joint names? Who should be responsible

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  • Buying a condo in a building with a large number of units

    Is the documentation manageable or are there so many Rules you need a lawyer to interpret them? Your contract should provide for your entitlement to the documents that govern the property you are buy

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  • Buying a condo in a building with a small number of units

    Is the Board responsive to requests for documentation? Your contract should provide for your entitlement to the documents that govern the property you are buying: the "decs" or Declaration of Condom

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  • What should you do if your appraisal does not meet the value of your new construction

    Review your contract It is likely that the Builder thought about the contingency that the property might not appraise out, but that you did not. If the property does not appraise out, your choices a

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