Questions answered by Joseph Arthur Roberts

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I was served a notice to dismiss my bk by the trustee because i havent given them my income tax

Joseph's answer | Answered on February 04, 2015

Representing yourself is usually a mistake. Yes...you can file a voluntary motion to dismiss the case...the judge will likely grant your...

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My wife an I had our house foreclose several months ago and it was auctioned at $261,500, our balance was $283,000.

Joseph's answer | Answered on February 02, 2015

You will likely get a 1099 on the portion of first mortgage debt that was cancelled but whether you have to pay income taxes depends on the...

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My dads inherited property is worth well over a million dollars in just trees, can CalFire deny us a permit to log just because?

Joseph's answer | Answered on January 30, 2015

The Calfire issue is not a foreclosure question and needs to be explored with help of an expert in this area. However, as you only have 45 days,...

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Can the HELOC that was charged off in 2/09 still be collected after a BK 7 in 1/11? We modified 1st and are current.

Joseph's answer | Answered on January 30, 2015

Don't forget that you took the lender's money, promised to repay it and pledged your home as collateral. The lender does not owe you a...

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Is my loan uncollectible? How to I get the bank to extinguished my loan?

Joseph's answer | Answered on January 30, 2015

Don't forget that you took the bank's money, promised to repay it and pledged your home as collateral. The bank does not owe you a modification or...

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Do I need a real estate atty?

Joseph's answer | Answered on January 27, 2015

As an Attorney who is also a licensed Mortgage Loan Originator, I agree that the conveyance into the trust should not constitute a transfer that...

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What if I received a notice that my property could be sold twenty or more days after the date of the notice and its not dated?

Joseph's answer | Answered on January 16, 2015

You need may be at the end of your time living in the property without paying your mortgage. If you want to save your home or otherwise extend...

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What is loss mitigation.My mother is behind 2 payments on 1 f her properties and applied for loan modification.

Joseph's answer | Answered on January 15, 2015

Loss mitigation is a term used by loan servicers to describe all of the foreclosure alternatives offered or entertained by loan servicers for the...

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Foreclosure on Home: Does your mortgage servicer have the right to record a NOD against you that claims the money is owed to

Joseph's answer | Answered on January 12, 2015

Don't spend much time looking for a silver bullet to justify not paying your mortgage on time or avoiding foreclosure. CA courts have rejected the...

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Do I have personal liability for a second mortgage that was purchase money in ca? Can the servicer sue me garnish my wages etc.?

Joseph's answer | Answered on January 12, 2015

Hire a lawyer to review the details. Second mortgages are often settled at substantial discounts but there can be income tax effects. As the...

Joseph Arthur Roberts's Answers (594)

I was served a notice to dismiss my bk by the trustee because i havent given them my income tax

My wife an I had our house foreclose several months ago and it was auctioned at $261,500, our balance was $283,000.

My dads inherited property is worth well over a million dollars in just trees, can CalFire deny us a permit to log just because?

Can the HELOC that was charged off in 2/09 still be collected after a BK 7 in 1/11? We modified 1st and are current.

Is my loan uncollectible? How to I get the bank to extinguished my loan?

Do I need a real estate atty?

What if I received a notice that my property could be sold twenty or more days after the date of the notice and its not dated?

What is loss mitigation.My mother is behind 2 payments on 1 f her properties and applied for loan modification.

Foreclosure on Home: Does your mortgage servicer have the right to record a NOD against you that claims the money is owed to

Do I have personal liability for a second mortgage that was purchase money in ca? Can the servicer sue me garnish my wages etc.?