House gifted to me . bank allowed me to resume the loan .. but give me no modification..or allowed me to get home insurance

Hello, I am sorry to hear about this problem. Income is the most important factor in determining whether a lender will give you a home loan...

RE: EMERGENCY FORECLOSURE in FREMONT, CA

There is no particular legal language needed. Just make sure that you save the fax confirmation proving that the lender received your request. It...

CA Foreclosure question EMERGENCY

It is possible to get a foreclosure postponed through an emergency bankruptcy filing. My office (located in Newark near you) does a lot of...

Does an illegal foreclosure sale extinguish the loan?

Generally in this scenario I see the lender overturn the foreclosure and reinstate the loan. This happens more often than you'd think. The...

What is "Notice of Trustee's Sale"?

This means that the home will be foreclosure on as of the date provided in that notice. Normally, a foreclosure autcion will take place within 30...

EMERGENCY: STOP FORECLOSURE QUESTIONS... HELP PLEASE!

My office frequently assists clients in working with their lender to negotiate a foreclosure postponement without needing to file for bankruptcy...

You should be concerned. Once you own a home and allow someone to live their under your ownership, you are responsible for evicting them if they...

Can real estate lawyers also help on a mortgage loan modification? or is it a scam?

Our office frequently negotiates foreclosure sale postponements with Wells Fargo when we are actively working on a loan modification. Filing...

Is accepting a modified mortgage loan considered reaffirmation of the loan?

 When a lender makes a loan modification, they are simply changing the terms of an existing loan. It does not create a new contract or reaffirm...

Forgiven debt counted as income?

The Mortgage Relief Indebtedness Act of 2009 only applies to people that have a short sale or foreclosure. You likely will have to report that...