Archived
I recently defaulted on my home modification because BofA sold it to a servicer who demanded my home insurance to be paid
Antoinette's answer
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Answered on January 20, 2014
Your narrative is very confusing. What is your question? When loans are modified, the payment is normally principal, interest, taxes and insurance....
Archived
Can I use a fictitious name to file my injury complaint?
Antoinette's answer
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Answered on January 19, 2014
Why are you asking this question? It makes no sense. The use of Does is only as a place holder. Once the true name is ascertained, the complaint...
Archived
How difficult is it for grandparents to gain guardianship of a minor child in Californial?
Antoinette's answer
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Answered on January 19, 2014
The answer to your question depends on certain facts. Where is the father? Was Emma placed with you by CPS? If so, talk to her attorney and/or...
Archived
1st mortgage $106000(current). 2nd mortgage $99000. Have not paid 2nd for 2 years. House worth $125000. Will 2nd for foreclose?
Antoinette's answer
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Answered on January 18, 2014
I can't predict if the second will foreclose. But they can foreclose. If they are serious about foreclosure, you will be served with a Notice of...
Archived
Can i answer the complain for foreclosure after BK ch. 7 discharged? I need our house and the lender is not a owner of note.
Antoinette's answer
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Answered on January 18, 2014
Your facts are very confusing and I'm not sure what your question is. However, since California is a non-judicial foreclosure state, what are you...
Archived
Upon a DOT assignment to MERS, Note securitized and separated from the DOT, does the property become unsecured?
Antoinette's answer
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Answered on January 17, 2014
Probably not -- see Nolo.com: The Role of MERS in the Assignment Process
When mortgages are transferred frequently, assignments are sometimes...
Archived
Keeping community property after divorce
Antoinette's answer
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Answered on January 17, 2014
If you can't refinance the property, his name will still be on the note. If he's fine with that, you can also agree to an indemnity or...
Archived
Does the bank care if hoa tries to foreclose due to payments dues. ?Also there is a Lien on the house should i pay the hoa ?
Antoinette's answer
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Answered on January 17, 2014
Since the HOA has a lien, in order to short sell the property your realtor should be negotiating with the HOA. Otherwise the HOA can hold up or...
Archived
C.P.S. took my grandson away from my daughter,
he is now in a temp. foster home. Can I file for guardianship?
Antoinette's answer
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Answered on January 16, 2014
Since your grandson is in the Dependency system, you can't file for guardianship in the Probate Court. The Probate Court will defer to the Juvenile...
Archived
Is a 10% interest rate usurious for a hard money loan?
Antoinette's answer
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Answered on January 16, 2014
Probably not --http://oag.ca.gov/consumers/general/usury.
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