Archived
Can a mortgage company increase your mortgage payment due to you being a month behind in taxes without notice?
Joseph's answer
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Answered on August 20, 2017
The deed of trust should be reviewed but whats the point of fighting? Imposing an escrow on a defaulted borrower is reasonable when they fail to...
Can my mortgage holder (Chase) legally make me re-qualify or call the loan due to the death of my partner?
Joseph's answer
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Answered on August 20, 2017
If you are not the original borrower but have good title to the property after your partner's passing, use a attorney/mortgage broker to arrange a...
Can a lender foreclose & auction a home owned by someone who has been hospitalized and is being treated for schitzophrenia?
Joseph's answer
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Answered on August 18, 2017
Yes. If the borrower is incapacitated, a court appointed conservator can step into her legal shoes, manage her finances and execute available...
Archived
Vcan a lender sell your home during divorce procedure if it's foreclosure?
Joseph's answer
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Answered on August 16, 2017
Absolutely. But there are other federal and state laws that can prevent or delay foreclosure depending on your facts. There is no quick answer;...
Archived
Should we pay Nationwide Credit Inc.?
Joseph's answer
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Answered on August 12, 2017
Verify that the second deed of trust has been "re-conveyed" and obtain the document that was purportedly recorded. If the re-conveyance actually...
Archived
Is there anything a plaintiff could do to bring closure to an off-calendar foreclosure case?
Joseph's answer
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Answered on August 10, 2017
Attempting to play lawyer and allege legal theories you've read about online is likely to lead to a bad outcome. You need to consult with an...
Archived
To refi my home I need to know how to get rid of a 2nd. attached to it, in which I filed bankruptcy on a few years ago?
Joseph's answer
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Answered on August 08, 2017
You should have addressed this matter right after your chapter 7 ended.
The second mortgage didn't go anywhere just because you received a Chapter...
My mother passed away in 2014. We have been living in the house and paying the mortgage.
Joseph's answer
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Answered on August 08, 2017
You need to establish who owns the property since your mom's death, was there a will? Did you open a probate case? Was there a living trust? ...
Can I do a Quiet Title Action in California to remove an unresponsive 2nd trust deed?
Joseph's answer
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Answered on July 27, 2017
I had a client experience the same problem during a short sale. We made a demand, then sued the trustee described in the second deed of trust. ...
How soon can you refinance your home after chp13 BK and what will be options?
Joseph's answer
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Answered on July 15, 2017
This is not a legal question...its loan underwriting question. This could become a foreclosure issue if you default on the mortgage, but its not...
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