What does securitization have to do with the foreclosure crisis?

Flawed or failed securitization does not relieve you of your obligation to pay your mortgage note nor does it entitle you to a loan modification. ...

With proper management of the foreclosure process, you could stay in the property for as long as a year. I would re-visit the reasons for denial...

What to do next after first meeting of creditors is done?

Prepare to react to a Motion for Relief of Stay from a secured creditor such as a mortgage company if you are behind on payments. Prepare any...

I am in foreclosure but able to forestall sale because I sued the lender and have a lis pendens on my property.

Is the house sold at auction yet or not? When is or was the sale date? Available tactics and legal strategies will depend on your specific...

I have a question with Dual Tracking. I am in the middle of a loan modification with Ocwen and have submitted my 3rd package...

Don't expect that OCWEN will respect the CA Homeowner Bill of Rights. There are exceptions to the dual tracking provisions when a borrower has...

Is chapter 7 bankruptcy an option? Bank account frozen!!!

Yes. Assuming that you have the ability to claim the funds as "exempt"....which is determined after your financial situation is reviewed...Chapter...

You agreed to make HOA payments, then broke the agreement. A settlement was reached with the HOA and you broke the second agreement. Sad stories...

Is there any attorney/firm pursuing the fraudulant activity of BofA in their handling of Home Loan Mods?

Yes there are attorneys that handle cases against BofA but more details are needed before I can share your legal opinion that BofA engaged in...

Is the non-recordation of my HAMP sufficient to obtain an injunction and stop foreclosure?

No...but if you are paying as agreed on your second chance to save the property...that fact would be sufficient to get an injunction. Violations...

They have no obligation to change the terms of your mortgage contract. I've settled second mortgages for as low as 10% on the dollar but much...