foreclosure lawyer
Posted January 9, 2010
By admin
Foreclosure on credit report after bankruptcy?
I filed bankruptcy two years ago, after my lender initiated foreclosure. According to the bankruptcy lawyer, having the mortgage included in the bankruptcy would avoid having a forclosure on my credit report. Recently I found that the lender is still reporting the loan as a foreclosure. I disputed the item, and got back a reply stating, “This creditor has
verified to Equifax that the current status is being reported correctly”. Am I correct in thinking that the item should be changed? If so, how should I proceed? If the item is changed to reflect inclusion in the bankruptcy, will it still show the payment history?
Perhaps your attorney misled you.
Although a borrower previously surrendered property during a bankruptcy case, a mortgage lender’s reporting of a foreclosure to a credit reporting agency is not a report of inaccurate information in violation of the Fair Credit Reporting Act (FCRA).
The lender’s argument was that it did not report any inaccurate information. The surrender of the property in bankruptcy did not transfer title to the property. The borrower argued that the reporting was inaccurate because the credit report affected him personally, even though the foreclosure only affected the property. In this case, the court sided with the lender.
You might want to check FCRA rules more closely before you complain further.
Florida Foreclosure Attorney Fred Burgess on Channel 10
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The Foreclosure Workbook $8.5 America’s #1 Do-It-Yourself Foreclosure Prevention Resource! Across the nation, foreclosures are on the rise due to designer mortgages, rising debt ratios, and depressed housing markets. Most homeowners have no idea where to find basic, credible, and instructional information about the foreclosure process, or what to do when facing the time crunch before an auction. The Foreclosure Workbook is a revolutionary system that provides an unprecedented approach to foreclosure avoidance, protection, and survival. This workbook presents a proven step-by-step process that guides the homeowner in distress through the hurdles of foreclosure, and presents critical information about state procedures, foreclosure protection legislation, con artists, options, and much more! This is the one-stop resource that homeowners need – arming them with easy to understand facts and processes for how to maneuver through the onslaught of mail they receive, fight off foreclosure scams, and organize and prepare a plan for saving their home and credit. Carla Douglin is a national speaker, CEO of Dominion Foreclosure Consulting Services, Inc., and founder of Dominion Housing Counseling Services, a nonprofit organization. For more information, visit our website at www.dfcscorp.com, and view our blog at foreclosuretipsfactsfumbles.blogspot.com!In this a revolutionary system that provides an unprecedented approach to foreclosure avoidance, protection, and survival, Doughlin presents a proven step-by-step process that guides the homeowner in distress through the hurdles of foreclosure, and presents critical information about state procedures, foreclosure protection legislation, con artists, options, and much more. (Practical Life) |
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The Foreclosure Mediation Training Guide $58.95 Learn the insider techniques to foreclosure mediation. Ths dynamic book includes: All the basics, sample forms, sample agreements, sample cover letters as well as marketing letters. This new book is complete. You can start an honest and professional Foreclosure Mediation Service immediately. Table of Contents: SECTION 1 The Basics, Set-Up and Structure of Starting a Foreclosure Mediation Service Do You Need Experience to Work as a Foreclosure Mediator? General Overview The Fraudulent Side of the Foreclosure Mediation Field What is Foreclosure Mediation? Why Do People Get Behind in Mortgage Payments? Why Would a Mortgage Company Be Willing to Negotiate a Work-Out Plan? How Foreclosure Mediation Works in Bankruptcy Cases Example of a Work-Out Plan in Bankruptcy What if the Borrower(s) Want to Surrender Their Home? Can a Borrower Do Their Own Negotiation? How Can Virtual Bankruptcy Assistants Profit From This Knowledge? How Can Notary Signing Agents Profit From This Knowledge? How Much Money Can You Earn as a Foreclosure Mediator? How to Price Foreclosure Mediation Services Different Types of Work-Out Plans SECTION 2 The Day-to-Day Business of Operating a Foreclosure Mediation Service How to Get Started The Written Authorization Form Departments in a Typical Servicer Shop Foreclosure Department Escrow Department Collections Department Loss Mitigation Department Bankruptcy Department Real Estate Owned Department Additional Tips for Foreclosure Mediators Working With Servicers How to Put Together a Work-Out Plan Get the Facts and Assess the Situation Basic Loan Information Prepare a Current Budget Prepare a Hardship Letter Fannie Mae Work-Out Options Who Qualifies for Fannie Mae Work-Out Options? Temporary Relief Measures Temporary Indulgence Repayment Plan Special Forbearance Waiver of Late Fees Work-Out Plans for Serious Hardship Cases Loan Modification Mortgage Assumption Pre-Foreclosure Sale Deed-in-Lieu of Fo@My™™™™šÿ¾Úx |
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The Homeowner’s Guide to Foreclosure $1.88 Foreclosure is the last thing that anyone wants to think about. However, for a growing number of homeowners, it’s something that is looming over them if not already on their doorstepI. The Homeowner’s Guide to Foreclosure/iprovides answers to all your questions as well as step-by-step guidance on what you can do. If you, a friend, or a relative needs to avoid, delay, or stop a foreclosure, remember that the homeownerIcan/itake charge. |
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42 Rules For Saving Your House From Foreclosure: A Practical Guide To $20.55 This book is for anyone who is in a bad mortgage situation. You have an adjustable loan; your monthly payment has now skyrocketed to an amount you can’t afford on a monthly basis. That is the situation I found myself in. After four applications to my bank for a loan modification, I decided I needed to get professional help. Craig Triance is my lawyer and co-author in this biographical how to book about my process to save my home. We captured the critical things I learned along the way, so you can avoid making common mistakes. The rules are legally accurate, but may include strategies that the banks don’t want you to know. We want you to be able to save your house also, and the rules in this book give you a complete guide to doing just that. p The book is divided into three different sections of rules, based on where in the process you are. Section 1: How did you get into this mess? The rules in this section examine who will call you and who will not, who to look out for and what to do with your credit cards, retirement account and home equity loan. p Section 2: Rules to help you dig your way out! The rules in this section focus on getting out of denial about your current financial situation, being willing to talk about it, getting help, finding partners and behaviors that will help you look better (more credible for a loan modification) with a bank mortgage negotiator. p Section 3: Options, Solutions and Resolution. This section of rules assumes you are already dealing with the bank (and it is not going so well), and looks at some of your options including: loan modification, short sales, partnerships and investors, lease backs, even bankruptcy. p Based on David’s experience and Craig’s legal know how, this down-to-earth, easily read book provides practical knowledge and legal best practices coupled with the horror story David has lived through for over a year. This book emphasizes personal responsibility and also how to be prepared with sp@4ŒÌÌÌÌÍÿ¾Úx |
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Foreclosure Investing in the New Economy $18.35 These are historic and challenging economic times for investors. The common real estate investing practices of a few years ago have rapidly become inadequate when it comes to making money in today’s distressed real estate market. Foreclosure Investing in the New Economy is clearly explains the basics of investing in distressed property, bearing in mind the context of the market since the bursting of the housing bubble and the financial industry meltdown of 2008. In his accessible style, foreclosure investing veteran Kirby Cochran explains the foreclosure process and the essential strategies for making money investing in pre-foreclosure, foreclosure auction, and bank-owned REO properties. Cochran gives investors insight into the business of distressed property investing in a way that helps newcomers become familiar with the landscape while avoiding potentially devastating pitfalls. Both new and intermediate investors will gain critical skills for success as they read Foreclosure Investing in the New Economy.Foreclosure investing expert Cochran clearly explains the basics of investing in distressed property, bearing in mind the context of the market since the bursting of the housing bubble and the financial industry meltdown of 2008. |
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Foreclosure: Fight or Flight $20.12 Foreclosure:fight or flight gives resources necessary for your survival. More importantly, you are going to find strategies for dealing with the emotional stress and hardship that come with fighting to save your home, and the sense of loss and grief that comes if your home is lost through foreclosure. Chante shares relevant and important insight on the subject of family relationships and how to keep the family together when financial pressures, strain and constant worry come knocking on the door. He also explains how you can help children deal with the change that comes into their lives when they are forced to move from away school and friends, as often happens during foreclosure. Foreclosure: Flight or Fight is a valuable resource, filled not only with pertinent facts, but also with that which people need the most, hope, encouragement and applicable methods. Chante is a real motivator. I am certain that his vision and optimism will motivate and inspire you to move beyond your current situation and take an active role in determining your future. |
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Foreclosure Investing for Dummies $11.12 Covers foreclosure rules and regs for all 50 statespMinimize your risks and maximize your return, while assisting homeownerspWant to buy and sell foreclosure properties? This hands-on guide covers all aspects of investing in foreclosures, from identifying potential properties and assessing value to carefully researching and inspecting properties, so you don’t get stuck holding a money pit . . . or even worse, a worthless piece of paper! Discover how to deal with homeowners in preforeclosure, bid for a property, buy bank-owned properties at well below market value — and ultimately sell for maximum profit.pResearch property titles, mortgages, and deedspBuild a strong investment teampObtain financingpNetwork your way to successpAvoid common pitfallspInvest with integrityWith the housing bubble of the past few years bursting and interest rates on the rise, there has been an upsurge in the number of foreclosures across the country, creating many opportunities for profit. But investing in real estate foreclosure[s?] can be a tough job, especially when a negative stigma is attached. How do you make money while preserving your morals and trust?pForeclosure Investing For Dummies shows you how to invest in foreclosures ethically without being accused of stealing homes from little old ladies. This step-by-step guide helps you thoroughly research property, find the best opportunities, purchase foreclosures, and avoid misleading distressed homeowners. This book doesn’t promise quick profits through minimal work, but it will provide you with invaluable information to become a successful investor, including: Identifying opportunities and understanding risks Obtaining information, tools, support, and resources Locating properties prior to foreclosure Assisting homeowners through the foreclosure process Acquiring properties below market value prior to the auction Buying property at an auction, from lending institutions, and government agencies Repairing, renov@&=p£×ÿ¾Úx |
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Foreclosure Investing For Dummies CD $7.48 pCovers foreclosure rules and regs for all 50 statespMinimize your risks and maximize your return, while assisting homeownerspWant to buy and sell foreclosure properties? This hands-on guide covers all aspects of investing in foreclosures, from identifying potential properties and assessing value to carefully researching and inspecting properties, so you don’t get stuck holding a money pit . . . or even worse, a worthless piece of paper! Discover how to deal with homeowners in preforeclosure, bid for a property, buy bank-owned properties at well below market value–and ultimately sell for maximum profit.pDiscover how to:pResearch property titles, mortgages, and deedspBuild a strong investment teampObtain financingpNetwork your way to successpAvoid common pitfallspInvest with integrity |
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Notice of Default & Foreclosure Survival Handbook for Homeowners $19.03 The Notice of Default & Foreclosure Survival Handbook for Homeowners guides readers through the steps to make sound decisions and wise choices. Written by an expert in CA real estate who has been there, done that and who helps homeowners nationwide through these issues every day, this book is not only good information but good inspiration as well – packed with real-life stories about how real people are handling the Notice of Default, Notice of Trustee Sale, Foreclosure, Loan Modifications, Cash for Keys, Deed in Lieu of Foreclosure, Deferment, Forbearance, Repayment Plans, Foreclosure Delays, Foreclosure Scams, Foreclosure Stalls, Bankruptcy, Produce the Note and more. |
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The Game Of Foreclosure And How To Play It $17.9 This workbook is the ONLY manual that provides all of the information that you need in order to save your home from foreclosure. It includes secret options that lenders would never tell you about, several sources for cash to help you with late payments, how to research information regarding your home, the advantages and disadvantages of bankruptcy and a whole lot more. We’ll even teach you how to think like lenders, realtors and investors to optimize your efforts in saving your home. The workbook is short because we get straight to the topics that will help you QUICKLY resolve this issue. *A PORTION OF ALL PROCEEDS WILL BE USED TO ASSIST HOMEOWNERS FACING DEFAULT; THEREFORE YOU MUST BUY THIS BOOK!* |
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The Complete Guide to Understanding Foreclosure and Saving Your Home $7.98 America’s #1 Do-It-Yourself Foreclosure Prevention Resource! Across the nation, foreclosures are on the rise due to designer mortgages, rising debt ratios, & depressed housing markets. Most homeowners have no idea where to find basic, credible, & instructional information about the foreclosure process, or what to do when facing the time crunch before an auction. The Foreclosure Workbook is a revolutionary system that provides an unprecedented approach to foreclosure avoidance, protection, & survival. This workbook presents a proven step-by-step process that guides the homeowner through the hurdles of foreclosure, & presents critical information about state procedures, foreclosure protection legislation, con artists, options, & much more! This is the one-stop resource that homeowners need with easy to understand facts & processes for how to maneuver through the onslaught of mail they receive, fight off foreclosure scams, & organize & prepare a plan for saving their home & credit.In this revolutionary system that provides an unprecedented approach to foreclosure avoidance, protection, and survival, Doughlin presents a proven step-by-step process that guides the homeowner in distress through the hurdles of foreclosure. |
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