Questions answered by Nicholas Patrick Merrill

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Can I take my wife's name off the mortgage title? More info below.

Nicholas's answer | Answered on May 04, 2011

There are nine federally mandated exemptions to the "due-on-sale" clauses found in all mortgage contracts. For example, transfers resulting from a...

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Do I need to give my tenant 60 days notice in Oregon before evicting her? She refuses to allow the plumber in to fix a valve.

Nicholas's answer | Answered on April 28, 2011

Under ORS 90.322(b), you probably had a right to enter the premises for an emergency repair when the valve broke. Now, however, the emergency has...

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Is Oregon a non-recourse state?

Nicholas's answer | Answered on April 28, 2011

Oregon is a non-recourse state with respect to nonjudicial foreclosures. Most residential foreclosures in Oregon are nonjudicial. This means the...

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Are www.restaurants.com gift certificates legal after the expiration date in WA state?

Nicholas's answer | Answered on April 26, 2011

I just looked up the statute you cite for a quick read, and reviewed related statutes. It appears to me that the answer to your question is yes,...

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Can someone please explain the Mortgage Forgiveness Relief Act and how it works?

Nicholas's answer | Answered on April 25, 2011

Through the end of 2012 (unless Congress extends it), you will not be taxed by the federal government on mortgage debt "forgiven." That is, if the...

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Whats the chances the lender will bring a deficiency judgement against me. ?

Nicholas's answer | Answered on April 25, 2011

More details about your situation are required to determine whether you are at significant risk of a deficiency, so you absolutely must visit with...

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Can i kick my son out with out a notice?

Nicholas's answer | Answered on April 25, 2011

Great question! When I turned 18 my parents bought me a set of luggage. It was a nice parting gift. While you should always consult with local...

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Looking for the best lawyer to take on and find a legal means to remove a corrupt HOA. (Planning to fire my current Lawyer.)

Nicholas's answer | Answered on April 20, 2011

You should check legal journals published in your area. Check for legal notices related to HOA disputes. Lawyers for the parties are often...

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My house pended foreclosure for 3 years. I inquired to bank for docs, 2 wks later foreclosure docs filed w/county are robo-sign.

Nicholas's answer | Answered on April 19, 2011

There has been a great deal of discussion in legal circles regarding the impact of robo-signing on foreclosure litigation. Most attorneys agree:...

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What risks do I have in stopping payment on my rental home loan in Oregon? It is a former primary residence that we can't

Nicholas's answer | Answered on February 02, 2011

If you stop making payments the lender will initiate foreclosure proceedings when you have fallen approximately two months behind. It takes...

Nicholas Patrick Merrill's Answers (160)

Can I take my wife's name off the mortgage title? More info below.

Do I need to give my tenant 60 days notice in Oregon before evicting her? She refuses to allow the plumber in to fix a valve.

Is Oregon a non-recourse state?

Are www.restaurants.com gift certificates legal after the expiration date in WA state?

Can someone please explain the Mortgage Forgiveness Relief Act and how it works?

Whats the chances the lender will bring a deficiency judgement against me. ?

Can i kick my son out with out a notice?

Looking for the best lawyer to take on and find a legal means to remove a corrupt HOA. (Planning to fire my current Lawyer.)

My house pended foreclosure for 3 years. I inquired to bank for docs, 2 wks later foreclosure docs filed w/county are robo-sign.

What risks do I have in stopping payment on my rental home loan in Oregon? It is a former primary residence that we can't