Questions answered by Joseph Arthur Roberts

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Is the foreclosing trustee required by law to give me any type of notice once they decide to to rescind my loan?

Joseph's answer | Answered on February 20, 2015

The trustee did the right thing by rescinding your sale because of the BK filing. Your choice to cancel the pending sale...without seeking...

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Home just entered foreclosure... HELP URGENT

Joseph's answer | Answered on February 19, 2015

This appears to be a repeat post. Same answer-get help. You are financially sick-its time to seek the care of an attorney experienced with these...

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Are banks required to present the calculation of the mortgage payment during the trial period under the HAMP?

Joseph's answer | Answered on February 19, 2015

Loan mod is not a right. You are not entitled to anything as a matter of law. Don't assume that you are negotiating or have any say in what the...

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I've just been informed my house is in foreclosure.

Joseph's answer | Answered on February 19, 2015

Step one is to review your financial situation and prospects. After a consultation, a game plan can be formulated which may include Chapter 7...

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BofA Loan Modification bait and switch? February 2015 Approved Modification Letter.

Joseph's answer | Answered on February 17, 2015

The original offer needs to be reviewed in order to see if you have a contract claim. Is there a promise of principal reduction or is it listed as...

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Is the servicer obligated to offer a permanent HAMP loan mod after homeowner makes 3 trial payments?

Joseph's answer | Answered on February 16, 2015

There is case law to suggest that you may be entitled to a permanent modification where you complied with the requirements of the trial plan under...

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Who can help me and what type of attorney do I use so my mortgage bank will modify my mortgage loan.

Joseph's answer | Answered on February 16, 2015

Don't assume that a loan modification is a legal right....it is not and you cannot win one if you take your complaints to a jury. Loan mod is...

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Homeowner In Foreclosure Needs Options to Keep His Home

Joseph's answer | Answered on February 12, 2015

The devil is in the details. Charlie needs a tailored analysis which is beyond the scope of this website. Set up a free consultation and get the...

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Will filing bankruptcy stay the foreclosure process of a CA home? The sale date is 2 weeks away; Bank won't allow short sale.

Joseph's answer | Answered on February 09, 2015

Whether a stay applies depends on the BK history. You do your clients a favor when you refrain from relaying legal advice but rather find them an...

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My lender is foreclosing. I sent a QWR in response to the NOD, now a prior lender has recently filed a substitution of trustee.

Joseph's answer | Answered on February 05, 2015

Its not likely that any of what you mentioned affects your obligation to pay your mortgage if you want to keep your home. Focus on solving the...

Joseph Arthur Roberts's Answers (594)

Is the foreclosing trustee required by law to give me any type of notice once they decide to to rescind my loan?

Home just entered foreclosure... HELP URGENT

Are banks required to present the calculation of the mortgage payment during the trial period under the HAMP?

I've just been informed my house is in foreclosure.

BofA Loan Modification bait and switch? February 2015 Approved Modification Letter.

Is the servicer obligated to offer a permanent HAMP loan mod after homeowner makes 3 trial payments?

Who can help me and what type of attorney do I use so my mortgage bank will modify my mortgage loan.

Homeowner In Foreclosure Needs Options to Keep His Home

Will filing bankruptcy stay the foreclosure process of a CA home? The sale date is 2 weeks away; Bank won't allow short sale.

My lender is foreclosing. I sent a QWR in response to the NOD, now a prior lender has recently filed a substitution of trustee.