Do I need to have a short sale on my house that is in foreclosure if I am going to do Bankruptcy (Chapter 7)?
Joseph's answer
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Answered on July 14, 2020
Closing a short sale transaction is not a legal right. You need the permission of any lender who will not be paid a 100% of its debt. You have...
How long does it take for surplus check to clear?
Joseph's answer
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Answered on July 09, 2020
This seems highly irregular and should be investigated. It is not normal for a bank to place a hold on a check for this long, especially from a...
Foreclosure: My servicer has always been Wells Fargo Home Mortgage????
Joseph's answer
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Answered on June 28, 2020
Hire an attorney familiar with RESPA if you seek information from the loan servicer as their identity, their role and the current owner of your loan.
How can I protect myself from my ex-girlfriend filing bankruptcy? I cosigned on a house for her and then we broke up.
Joseph's answer
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Answered on June 28, 2020
Have an attorney review then monitor the BK7 case. If you own half the home, your rights (and equity) that may be impacted. The home may pass...
Archived
Can I qualify for a mortgage in California if my name was on the tile only of a foreclosed property in Connecticut?
Joseph's answer
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Answered on May 24, 2020
This is a mortgage underwriting question. There are a variety of mortgage products available and lenders increasingly tolerate negative credit...
What is the State of California put a hold on Foreclosures and for how long ?
Joseph's answer
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Answered on April 30, 2020
Don't assume your foreclosure sale will not go forward. There is a moratorium only on FHA, Fannie Mae and Freddy Mac loans. But the moratorium...
Archived
How do we handle this situation?
Joseph's answer
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Answered on April 22, 2020
The devil is in the details. Your bro should have the WRITINGS looked over by an attorney so that he fully understands his rights. If there is a...
Archived
Landlord thinks my income didn’t drop enough and I need to pay rent, denying my hardship petition. Do I just wait it out?
Joseph's answer
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Answered on April 22, 2020
The Governor's Executive Orders are nuanced. The first one allows cities to pass ordinances that impact renter rights...
Qualified Written Request question for any Foreclosure Lawyers out there?
Joseph's answer
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Answered on April 20, 2020
You claim the debt was "forgiven", but was a reconveyance ever publicly recorded on the title? If not, you've got a title problem.
The...
Archived
Forebearance on estate properties?
Joseph's answer
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Answered on April 15, 2020
California passed the Survivor Bill of Rights in 2016. It has similar protections as the Homeowner Bill of Rights and allows you to receive...
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