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<title>Nick Adama - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Nick_Adama</link>
<pubDate>Wed, 15 Feb 2012 03:43:43 -0600</pubDate>
<image><title>Nick Adama - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Nick writes for the ForeclosureFish website and blog, which attempt to educate homeowners on how they can save their homes from foreclosure on their own. He publishes daily articles, analysis, and book reviews, and contributes to a number of foreclosure forums and websites online.]]></description>
<lastBuildDate>Tue, 30 Nov 2010 15:46:52 -0600</lastBuildDate>
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<item>
<title>Why You Shouldn't Feel Guilty Staying In Your Home During Foreclosure</title>
<link>http://EzineArticles.com/5452304</link>
<guid>http://EzineArticles.com/5452304</guid>
<pubDate>Tue, 30 Nov 2010 15:46:52 -0600</pubDate>
<description><![CDATA[If you are somewhere in the process of foreclosure, you may be dealing with some guilt with regards to staying in the home without making any payments to the bank. After all, most of us have been raised with some sort of moral philosophy that requires paying for what we use. When you know that you're pretty much guaranteed to be losing the property, staying can lead to some very conflicted and stressful feelings. All that said, you should take heart in realizing that by staying in the home for as long as possible, you are actually doing a good deed for your neighbors, and even for the bank!]]></description>
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<item>
<title>Questioning Your Emotions During Foreclosure</title>
<link>http://EzineArticles.com/5465679</link>
<guid>http://EzineArticles.com/5465679</guid>
<pubDate>Tue, 30 Nov 2010 11:14:06 -0600</pubDate>
<description><![CDATA[Foreclosure isn't just about the technical details of missed payments, default notices, attempted loan modifications, trustee sales, and the overall financial impact on an individual. Being forced into a position where losing your home one way or another is inevitable also has a deep, distinctly human impact that cannot be discounted or ignored.]]></description>
</item>
<item>
<title>Negotiate With Your Creditors to Save Money and Keep Your Credit In Shape</title>
<link>http://EzineArticles.com/5463901</link>
<guid>http://EzineArticles.com/5463901</guid>
<pubDate>Tue, 30 Nov 2010 09:47:29 -0600</pubDate>
<description><![CDATA[When a personal financial crisis occurs, most people immediately begin to worry about how they are going to keep paying their bills at the current minimum monthly payments. Few people seriously consider negotiating with their creditors until they are already several months behind or their accounts are in collections or worse. But as soon as someone faces a financial hardship, it is a good idea to begin negotiating for lower monthly payments and bulk sum settlements before it gets to the point of repossession, foreclosure, or bankruptcy.]]></description>
</item>
<item>
<title>Can You Live Through a Recession On Credit Cards?</title>
<link>http://EzineArticles.com/5441132</link>
<guid>http://EzineArticles.com/5441132</guid>
<pubDate>Tue, 30 Nov 2010 08:16:35 -0600</pubDate>
<description><![CDATA[Since it is unlikely that average people will ever get to see or use any of the tens of trillions of dollars that were printed up by the banks (except as rising prices due to inflation), debtors are forced to take preventive action in the face of a declining economy and higher prices. There are numerous warning signs of being in trouble with debt, all of which people should watch out for.]]></description>
</item>
<item>
<title>How Long Can You Remain In The Home After A Foreclosure Sale Occurs?</title>
<link>http://EzineArticles.com/5452408</link>
<guid>http://EzineArticles.com/5452408</guid>
<pubDate>Mon, 29 Nov 2010 14:20:22 -0600</pubDate>
<description><![CDATA[Once every other remedy to avoid foreclosure fails, such as arranging a short sale, reinstating the loan, or negotiating a loan modification, what comes next? After the home has gone through the foreclosure process and a sale has been completed, many assume that it is a foregone conclusion that they must move out immediately. While it is true that you likely do not have much time at your disposal at this point to remain in the home, the actual amount of time during which you might be able to stay may vary a good deal depending on a number of factors.]]></description>
</item>
<item>
<title>Four Ways to Get Out of a Chapter 13 Bankruptcy Plan</title>
<link>http://EzineArticles.com/5433268</link>
<guid>http://EzineArticles.com/5433268</guid>
<pubDate>Fri, 26 Nov 2010 15:09:06 -0600</pubDate>
<description><![CDATA[When people file for Chapter 7 bankruptcy, there are usually on a few of ways to get out of it. Discharge, conversion to a Chapter 13, or dismissal are typically the only few options available, and some of them are not really ways to get out of the process at all anyway. Contrast this with filing for Chapter 13 bankruptcy and its more numerous options in the event that it is not possible to complete the plan. There are at least four different ways to get out of this type of bankruptcy, many of which can be considered depending on the circumstances.]]></description>
</item>
<item>
<title>How Robo-Signing Destroys Credibility in the Mortgage and Foreclosures Processes</title>
<link>http://EzineArticles.com/5413621</link>
<guid>http://EzineArticles.com/5413621</guid>
<pubDate>Mon, 22 Nov 2010 19:27:24 -0600</pubDate>
<description><![CDATA[One of the big problems with the robo-signing scandal is that documents that were basically batch-signed with witness and notary signatures being added to thousands of pages every day are used to take people's homes. Huge title clearing companies executed tens of thousands of assignments of mortgage, transferring ownership of a loan from one company to another. These transfers supposedly then gave the right to foreclose on the property to the bank or servicer which received the assignment from the previous financial institution.]]></description>
</item>
<item>
<title>How to File for Bankruptcy - Steps to an Easy Petition</title>
<link>http://EzineArticles.com/5407632</link>
<guid>http://EzineArticles.com/5407632</guid>
<pubDate>Mon, 22 Nov 2010 07:32:03 -0600</pubDate>
<description><![CDATA[When people think about filing for bankruptcy, one of the most intimidating aspects is all the paperwork involved in the process. With the passage of the 2005 amendments to the federal bankruptcy laws, a whole stack of documents must be filled out and submitted to the courts in order for the case to be initiated and not quickly dismissed for a lack of proper filing. But for a quick, simple petition, there are only a few requirements that consumers must meet.]]></description>
</item>
<item>
<title>The Robo-Signing Foreclosure Scandal Was Predicable and Is Not News</title>
<link>http://EzineArticles.com/5358847</link>
<guid>http://EzineArticles.com/5358847</guid>
<pubDate>Fri, 12 Nov 2010 10:56:49 -0600</pubDate>
<description><![CDATA[After having published over one thousand articles on various topics involving the foreclosure crisis from the high point of the market in 2006 until the present, it is clear that the latest scandal involving banks, title agencies, and county government recording offices is nothing new. With all of the fraud and abuses of consumers and the real estate process that have come to light since the Federal Reserve lowered interest rates and encouraged the housing boom, this latest instance of fraud is logical and should have been predictable by almost everyone.]]></description>
</item>
<item>
<title>How The Foreclosure Crisis Affects The Collateral Value of Houses</title>
<link>http://EzineArticles.com/5355242</link>
<guid>http://EzineArticles.com/5355242</guid>
<pubDate>Thu, 11 Nov 2010 13:42:40 -0600</pubDate>
<description><![CDATA[One of the often overlooked consequences of the current mortgage crisis and the accompanying rash of foreclosures across the country is its impact on the collateral value of houses. Additionally, we need to consider how that will affect borrowers in the future.]]></description>
</item>
<item>
<title>A History of United States Bankruptcy Acts, 1978-2005</title>
<link>http://EzineArticles.com/5351727</link>
<guid>http://EzineArticles.com/5351727</guid>
<pubDate>Thu, 11 Nov 2010 11:05:31 -0600</pubDate>
<description><![CDATA[With the passage of the 2005 Bankruptcy Act, it became more difficult for many people to file bankruptcy and receive relief from their creditors. It also became more expensive for almost everyone to seek this legal remedy, due to the numerous new burdens placed on attorneys and filers in preparing paperwork and filling out court documents. But it was not always this way, with the banks attempting to hijack the bankruptcy process and coerce debtors out of the system. In the past, various bankruptcy bills passed by the United States government were designed to help consumers, rather than larger financial institutions.]]></description>
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<item>
<title>Commonly Asked Questions About The Home Foreclosure Process</title>
<link>http://EzineArticles.com/5348052</link>
<guid>http://EzineArticles.com/5348052</guid>
<pubDate>Wed, 10 Nov 2010 16:23:56 -0600</pubDate>
<description><![CDATA[With the economic turmoil currently facing the world, there are millions of homeowners facing foreclosure who in the past would never have had to consider it as a possibility. Consequently, many are now asking questions about the basics of the foreclosure process, what they should expect, and what options they have to stop foreclosure if possible. Here are some of the most commonly asked, basic questions about foreclosure to consider.]]></description>
</item>
<item>
<title>Should You Consider Working With An Attorney On Your Foreclosure?</title>
<link>http://EzineArticles.com/5348259</link>
<guid>http://EzineArticles.com/5348259</guid>
<pubDate>Wed, 10 Nov 2010 15:57:08 -0600</pubDate>
<description><![CDATA[If you are facing possible foreclosure on your home, there are a number of reasons why you might consider hiring an attorney to help you through the process. Of course, for many individuals, doing so is not even really a consideration due to the cost involved. However, for those who can afford it, working with an attorney may provide a number of advantages over navigating the process by yourself.]]></description>
</item>
<item>
<title>Foreclosure Laws and What To Expect As A Borrower</title>
<link>http://EzineArticles.com/5285501</link>
<guid>http://EzineArticles.com/5285501</guid>
<pubDate>Fri, 29 Oct 2010 10:11:27 -0500</pubDate>
<description><![CDATA[Having an understanding of foreclosure laws can go a long way in helping to alleviate the stress associated with the foreclosure process. Then you can feel empowered to take the appropriate actions to work with the bank and get things back on track.]]></description>
</item>
<item>
<title>Home Loan Modification - Some Critical Considerations</title>
<link>http://EzineArticles.com/5279249</link>
<guid>http://EzineArticles.com/5279249</guid>
<pubDate>Thu, 28 Oct 2010 12:59:51 -0500</pubDate>
<description><![CDATA[When you are in danger of losing your home to foreclosure, everything about life can seem overwhelming. Working with your lender towards a home loan modification can provide a potential solution for keeping your home and getting back on your feet financially.]]></description>
</item>
<item>
<title>How Will Getting A Loan Modification Impact My Credit?</title>
<link>http://EzineArticles.com/5279315</link>
<guid>http://EzineArticles.com/5279315</guid>
<pubDate>Thu, 28 Oct 2010 12:51:49 -0500</pubDate>
<description><![CDATA[There is no doubt that a loan modification status on your credit history will have a negative impact on your credit overall, but that does not mean that you will not have access to credit in the future. Nor does it mean that you will not be able to overcome this challenge. The key is to start acting now to put yourself back into the drivers seat and get back on your feet.]]></description>
</item>
<item>
<title>Negotiating Your Loan Modification</title>
<link>http://EzineArticles.com/5273000</link>
<guid>http://EzineArticles.com/5273000</guid>
<pubDate>Wed, 27 Oct 2010 12:49:08 -0500</pubDate>
<description><![CDATA[When negotiating with the bank on a loan modification, it's possible that you will get a modification offer from the bank that doesn't lower your payment to an acceptable level. If this happens, it's very important that you weigh out your options carefully. Sometimes, trying to work with the bank to get a better offer can pay off, but doing so doesn't always work out in the homeowner's favor.]]></description>
</item>
<item>
<title>How to Get Started on Applying For the Loan Modification Process</title>
<link>http://EzineArticles.com/3808177</link>
<guid>http://EzineArticles.com/3808177</guid>
<pubDate>Mon, 22 Feb 2010 23:41:54 -0600</pubDate>
<description><![CDATA[Loan modification may be just what many borrowers are looking for. A lot of borrowers are behind on their mortgage payments. Some may only be behind 30 days. But 30 days can become 60 days or 90 days very rapidly.]]></description>
</item>
<item>
<title>Options For Mortgage Help For Homeowners Facing Foreclosure</title>
<link>http://EzineArticles.com/3793432</link>
<guid>http://EzineArticles.com/3793432</guid>
<pubDate>Fri, 19 Feb 2010 15:52:24 -0600</pubDate>
<description><![CDATA[In the past couple of years, a lot of owners have found themselves in need of some mortgage help. With high rates of unemployment and stagnant wages, more people are finding making their payments harder every month.]]></description>
</item>
<item>
<title>Consider a Mortgage Modification to Stop Foreclosure of a Property</title>
<link>http://EzineArticles.com/3779241</link>
<guid>http://EzineArticles.com/3779241</guid>
<pubDate>Wed, 17 Feb 2010 21:10:06 -0600</pubDate>
<description><![CDATA[Did you know that many financial institutions are making efforts towards mortgage modification for some owners that are experiencing troubles? Mortgage modification is a term used when a bank changes the terms of a loan in order to help the owners make their payments. The types of modifications being made are unique to each situation though.]]></description>
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<title>Examples of Issues to Dispute in a Qualified Written Request</title>
<link>http://EzineArticles.com/3735553</link>
<guid>http://EzineArticles.com/3735553</guid>
<pubDate>Thu, 11 Feb 2010 10:34:02 -0600</pubDate>
<description><![CDATA[When attempting to receive information from a lender or servicing company, owners can take advantage of their legal opportunities under the Real Estate Settlement Procedures Act to send a Qualified Written Request (QWR). A QWR is meant to help borrowers raise disputes with their mortgage servicer and have those issues resolved in a timely manner. Homeowners, however, may not know what things to ask of the lender, or why they are requesting certain documents or records relating to the loan and its servicing.]]></description>
</item>
<item>
<title>How You Can Avoid Trouble When Getting a Foreclosure Loan</title>
<link>http://EzineArticles.com/3730806</link>
<guid>http://EzineArticles.com/3730806</guid>
<pubDate>Wed, 10 Feb 2010 14:08:27 -0600</pubDate>
<description><![CDATA[One option for those homeowners having trouble making their mortgage payments is a foreclosure refinance. In the past two years, many of people have had their mortgage payments sky rocket due to rising interest rates.]]></description>
</item>
<item>
<title>How Homeowners Can Obtain a Loan Workout From Their Banks</title>
<link>http://EzineArticles.com/3728372</link>
<guid>http://EzineArticles.com/3728372</guid>
<pubDate>Wed, 10 Feb 2010 09:18:33 -0600</pubDate>
<description><![CDATA[A loan workout sounds like a cross between a yoga routine and a mortgage broker. In reality, a loan workout is what occurs when a borrower and a lender agree to modify the terms of a mortgage in order to prevent a foreclosure.]]></description>
</item>
<item>
<title>Consider Other Foreclosure Options If a Refinance is Unavailable</title>
<link>http://EzineArticles.com/3711470</link>
<guid>http://EzineArticles.com/3711470</guid>
<pubDate>Mon, 08 Feb 2010 11:12:27 -0600</pubDate>
<description><![CDATA[In general, foreclosure victims have very poor credit and no equity. This means that the majority of borrowers facing foreclosure and wasting valuable time attempting to apply for a foreclosure loan.]]></description>
</item>
<item>
<title>Green Shoots in the Economy - Bankruptcy Increases by 100%</title>
<link>http://EzineArticles.com/3707555</link>
<guid>http://EzineArticles.com/3707555</guid>
<pubDate>Fri, 05 Feb 2010 16:30:11 -0600</pubDate>
<description><![CDATA[In another sign that the average American is becoming increasingly desperate as the current recession deepens, bankruptcy filings are up 100% since the year 2007, according to data recorded by the US Courts. With more economic difficulties and fewer jobs to go around, people just have decreased (or no) income to pay their debts, whether they are credit cards or home loans. The rise in bankruptcy filings is also occurring despite the banks' and lawmakers' attempts to create a modern version of the debtor's prison.]]></description>
</item>
<item>
<title>When is it Worth Giving Up on a Property?</title>
<link>http://EzineArticles.com/3699592</link>
<guid>http://EzineArticles.com/3699592</guid>
<pubDate>Thu, 04 Feb 2010 15:57:45 -0600</pubDate>
<description><![CDATA[One of the great benefits of a loan modification used to avoid a foreclosure is that it is a agreement between the bank and the homeowners. The lenders do not want to go through an expensive process of taking the house back just to have it sell for much less than it is worth, and the homeowners wish to remain in their property if only they had a second chance after a hardship and a reasonably affordable monthly payment.
]]></description>
</item>
<item>
<title>Why You Should Never Pay the Mortgage With Your Credit Cards</title>
<link>http://EzineArticles.com/3692398</link>
<guid>http://EzineArticles.com/3692398</guid>
<pubDate>Wed, 03 Feb 2010 16:32:40 -0600</pubDate>
<description><![CDATA[One of the largest mistakes homeowners can make when they get into a financial bind is relying on credit cards or other short-term loans to see them through the difficulty. They think that they can borrow money at high rates of interest and then pay it back once their income has recovered. ]]></description>
</item>
<item>
<title>How to Write a Foreclosure Hardship Letter</title>
<link>http://EzineArticles.com/3686266</link>
<guid>http://EzineArticles.com/3686266</guid>
<pubDate>Tue, 02 Feb 2010 21:09:15 -0600</pubDate>
<description><![CDATA[One step of the loan modification or refinancing application that borrowers usually mess up is the hardship letter. Every bank that is considering giving the borrowers an option to avoid the foreclosure process will request a detailed letter documenting what first caused the decrease of monthly payments, as well as what actions have been taken to fix the problem. Many homeowners, though, include very minimal hardship letters that explain almost nothing about what transpired, what has been done to remedy the situation, and why the financial crisis was only temporary in nature.]]></description>
</item>
<item>
<title>Forensic Loan Audits - Are They Useful to Foreclosure Victims?</title>
<link>http://EzineArticles.com/3679696</link>
<guid>http://EzineArticles.com/3679696</guid>
<pubDate>Tue, 02 Feb 2010 11:43:49 -0600</pubDate>
<description><![CDATA[With all of the new plans and ideas that the housing industry and government are rolling out to help homeowners save their homes from foreclosure, it seems new terms and acronyms are being born everyday. One of the most bewildering that has come into common acceptance is a "forensic loan audit," which is being sold to numerous homeowners.]]></description>
</item>
<item>
<title>How Modifying Your Loan Affects Your Credit Score</title>
<link>http://EzineArticles.com/3681764</link>
<guid>http://EzineArticles.com/3681764</guid>
<pubDate>Tue, 02 Feb 2010 09:42:46 -0600</pubDate>
<description><![CDATA[While modifying the terms of a mortgage can be a great plan for some borrowers, few people have really questioned how a modification will be presented to the credit agencies. They are somewhat similar to refinancing a property.]]></description>
</item>
<item>
<title>Using Debt Settlement With a Loan Modification</title>
<link>http://EzineArticles.com/3658585</link>
<guid>http://EzineArticles.com/3658585</guid>
<pubDate>Fri, 29 Jan 2010 10:33:13 -0600</pubDate>
<description><![CDATA[As credit card companies continue to increase rates and gouge their customers, debt settlement or debt management is becoming increasingly popular. Debt settlement is the act of eliminating a portion of the debt.]]></description>
</item>
<item>
<title>Loan Modification - Important Information to Get You Qualified</title>
<link>http://EzineArticles.com/3644319</link>
<guid>http://EzineArticles.com/3644319</guid>
<pubDate>Wed, 27 Jan 2010 08:39:25 -0600</pubDate>
<description><![CDATA[When you are facing a possible foreclosure, the last thing you want is another disingenuous plan of action that results in little to no monetary help for your situation. Luckily, loan modification options do not fall into this category. Before you investigate too far into the steps of altering your home mortgage, you surely want to grasp as much documentation about the concept as you can.]]></description>
</item>
<item>
<title>How You Can Fight the Foreclosure Process in Florida</title>
<link>http://EzineArticles.com/3623460</link>
<guid>http://EzineArticles.com/3623460</guid>
<pubDate>Sat, 23 Jan 2010 08:38:16 -0600</pubDate>
<description><![CDATA[Foreclosures are processed out through local court proceedings. The entire process starts when you fall at least thirty days behind on your mortgage payments.]]></description>
</item>
<item>
<title>Lower Your Bills, Then Negotiate For a Loan Modification</title>
<link>http://EzineArticles.com/3618256</link>
<guid>http://EzineArticles.com/3618256</guid>
<pubDate>Fri, 22 Jan 2010 09:23:07 -0600</pubDate>
<description><![CDATA[When you are facing foreclosure, a great help to your unstable financial situation is the possibility of getting a mortgage modification. This is when the original terms of the mortgage on your home are altered so you can make more affordable payments on time.]]></description>
</item>
<item>
<title>Foreclosure Statistics Throughout the Country's Real Estate Industry</title>
<link>http://EzineArticles.com/3604056</link>
<guid>http://EzineArticles.com/3604056</guid>
<pubDate>Tue, 19 Jan 2010 22:48:22 -0600</pubDate>
<description><![CDATA[One of the largest unavoidable concerns for owners today is the seemingly overwhelming number of foreclosures throughout the nation. 2008 was a horrible year. Foreclosure activity was rising 90% nationwide from 2007.]]></description>
</item>
<item>
<title>Negotiate With Your Bank For a Loan Modification to Halt Foreclosure</title>
<link>http://EzineArticles.com/3597604</link>
<guid>http://EzineArticles.com/3597604</guid>
<pubDate>Mon, 18 Jan 2010 22:38:52 -0600</pubDate>
<description><![CDATA[Usually, the process of foreclosure does not start until you have incurred three periods of nonpayment on your loan. If you see this becoming a possibility in your current financial state, now is the time to act.]]></description>
</item>
<item>
<title>Some Reasons Why the Government Foreclosure Relief Programs Have Been Disappointing</title>
<link>http://EzineArticles.com/3571181</link>
<guid>http://EzineArticles.com/3571181</guid>
<pubDate>Wed, 13 Jan 2010 18:05:30 -0600</pubDate>
<description><![CDATA[The United States government is aware of the rising number of foreclosures in these troubling economic times. Bailout plans have been put in place and it has been said that between 8 and 9 million inhabitants have the possibility of qualifying for help to avoid the foreclosure of their home. However, what it comes down to is the question of whether these government bailout plans are working or not.]]></description>
</item>
<item>
<title>Foreclosure Help - What Are the First Steps?</title>
<link>http://EzineArticles.com/3557636</link>
<guid>http://EzineArticles.com/3557636</guid>
<pubDate>Tue, 12 Jan 2010 12:52:24 -0600</pubDate>
<description><![CDATA[If you are facing foreclosure now or far enough behind in your payments to worry about the possibility, getting foreclosure assistance needs to be your first priority. The worst thing you can do is avoid dealing with your financial problems. One of the most common mistakes people make is refusing to speak with their banks when they call.]]></description>
</item>
<item>
<title>Estimated Community Cost of a Foreclosure - $60,000</title>
<link>http://EzineArticles.com/3538314</link>
<guid>http://EzineArticles.com/3538314</guid>
<pubDate>Fri, 08 Jan 2010 09:53:40 -0600</pubDate>
<description><![CDATA[For mortgage companies pursuing a foreclosure, the costs can run exorbitantly high. Mortgage giant Freddie Mac has estimated that the average cost to a lender of foreclosing on a property is close to $60,000, with other estimates placing the total cost to the homeowner, lender, surrounding community, and local government close to $80,000. Homeowners can use this knowledge when the attempting to negotiate with a lender for a short sale, mortgage modification, or any other solution.]]></description>
</item>
<item>
<title>Defending Foreclosure by Using Arguments of Fraud</title>
<link>http://EzineArticles.com/3531877</link>
<guid>http://EzineArticles.com/3531877</guid>
<pubDate>Wed, 06 Jan 2010 21:07:18 -0600</pubDate>
<description><![CDATA[As a result of government intervention in the housing market, fraud has become rampant in the mortgage lending industry, and homeowners may be able to raise this issue when defending against a foreclosure lawsuit. Fraud is defined as an intentional deception which results in injury to a person. There are a number of elements of a fraud case in order to consider it fraud.]]></description>
</item>
<item>
<title>Licensing Laws - How Violations Can Fight Foreclosure</title>
<link>http://EzineArticles.com/3525772</link>
<guid>http://EzineArticles.com/3525772</guid>
<pubDate>Wed, 06 Jan 2010 02:14:20 -0600</pubDate>
<description><![CDATA[When homeowners are sold a home or given a loan by unlicensed representatives, it may help their foreclosure lawsuit defense to raise these issues in court. Governments throughout the country have imposed so many requirements on any person attempting to do business in banking, real estate, and mortgage lending, that it is almost too easy to find licensing violations. This is the good part about licensing laws for homeowners defending against foreclosure.]]></description>
</item>
<item>
<title>Consumer Check Fraud - The Three Most Common Types</title>
<link>http://EzineArticles.com/3503897</link>
<guid>http://EzineArticles.com/3503897</guid>
<pubDate>Tue, 05 Jan 2010 16:26:26 -0600</pubDate>
<description><![CDATA[When it comes to identity theft, credit card numbers and bank account information stolen through electronic means is becoming more popular than the traditional check fraud schemes. It seems that there is a new press release every day indicating a corporation has had customers' financial information stolen. Check forgeries and alterations, however, are still a problem in the banking world and an issue that consumers should be aware of.]]></description>
</item>
<item>
<title>Domestic Abuse and the Foreclosure Process</title>
<link>http://EzineArticles.com/3519201</link>
<guid>http://EzineArticles.com/3519201</guid>
<pubDate>Tue, 05 Jan 2010 00:21:24 -0600</pubDate>
<description><![CDATA[When there are other issues in addition to a foreclosure, the housing situation becomes even more complicated. And even worse, cases of divorce and domestic violence increase during times of economic recession.]]></description>
</item>
<item>
<title>The Banking and Payments System Our Banks Use</title>
<link>http://EzineArticles.com/3499543</link>
<guid>http://EzineArticles.com/3499543</guid>
<pubDate>Wed, 30 Dec 2009 18:05:37 -0600</pubDate>
<description><![CDATA[Any person who uses money and banks is often woefully uninformed about the aspects of the banking and payment systems that exist in the country, as well as the regulations which govern those transactions. Especially in the case of servicing companies that lose payments or collection agencies which draft money unauthorized out of a bank account, a lack of awareness of these issues can cost consumers thousands of dollars, their assets, or their homes. The following are a few terms used in consumer banking transactions that many homeowners have come across but may not have understood what the acronyms...]]></description>
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<item>
<title>Do Federal Courts Have Jurisdiction Over Foreclosure Cases?</title>
<link>http://EzineArticles.com/3488342</link>
<guid>http://EzineArticles.com/3488342</guid>
<pubDate>Mon, 28 Dec 2009 19:24:49 -0600</pubDate>
<description><![CDATA[The following are some miscellaneous legal issues that may affect a foreclosure case. These include the issue of putting a case into federal court from state court, as well as diversity jurisdiction.]]></description>
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<item>
<title>Exemptions to FDIC Immunity and Foreclosure Actions</title>
<link>http://EzineArticles.com/3449333</link>
<guid>http://EzineArticles.com/3449333</guid>
<pubDate>Fri, 18 Dec 2009 15:15:40 -0600</pubDate>
<description><![CDATA[As mentioned in a previous article, it can be very difficult for homeowners facing foreclosure to raise certain claims in court when the bank holding their loan has failed and been taken over by the Federal Deposit Insurance Corporation. Case law and federal statute give the FDIC broad immunity against a number of claims that could be raised by borrowers in regards to loans held by the failed institution. However, there are also a number of exemptions to the broad immunity the FDIC enjoys.]]></description>
</item>
<item>
<title>If the FDIC Takes Over Your Mortgage Lender, Immunity is the Result</title>
<link>http://EzineArticles.com/3442630</link>
<guid>http://EzineArticles.com/3442630</guid>
<pubDate>Fri, 18 Dec 2009 09:32:56 -0600</pubDate>
<description><![CDATA[With the significant increase in bank failures due to the financial collapse of 2008, more loans are being taken over by the Federal Deposit Insurance Commission. While the government stepping in may make the transition of loans from failed banks to solvent banks a little easier, in cases of default and foreclosure the situation can become more complicated. In 1942, the Supreme Court decided that any secret or implied agreements would be precluded that had the effect of reducing or diminishing the FDIC's interests.]]></description>
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<item>
<title>More Regulation on the Housing Market</title>
<link>http://EzineArticles.com/3436798</link>
<guid>http://EzineArticles.com/3436798</guid>
<pubDate>Thu, 17 Dec 2009 07:36:17 -0600</pubDate>
<description><![CDATA[With all of the new federal regulations and laws that are coming out to help people in foreclosure and save the mortgage lending industry from itself, it can be difficult both for lending professionals and consumers to keep up. The following is a short update of new rules and laws being put into place by lawmakers and various federal agencies. In July 2008, the Federal Reserve created a new category of mortgage loans in response to the subprime meltdown.]]></description>
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<item>
<title>What If Your Lender Does Not Have the Right to Sue For Foreclosure?</title>
<link>http://EzineArticles.com/3430718</link>
<guid>http://EzineArticles.com/3430718</guid>
<pubDate>Tue, 15 Dec 2009 16:05:29 -0600</pubDate>
<description><![CDATA[Many homeowners are becoming more aware of the defense to foreclosure that has come to be known as the "produce the note" strategy. This involves challenging the foreclosing lender or servicing company on its legal right to sue.]]></description>
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<item>
<title>Where Are We in the Foreclosure Crisis?</title>
<link>http://EzineArticles.com/3406210</link>
<guid>http://EzineArticles.com/3406210</guid>
<pubDate>Thu, 10 Dec 2009 17:34:45 -0600</pubDate>
<description><![CDATA[The following are some statistics about the housing market and the government's efforts to address the foreclosure crisis. Despite the state's programs, the foreclosure rate has kept up its dramatic increase.]]></description>
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<item>
<title>Three Issues to Consider Before Applying For a Mortgage Modification</title>
<link>http://EzineArticles.com/3399939</link>
<guid>http://EzineArticles.com/3399939</guid>
<pubDate>Wed, 09 Dec 2009 15:43:49 -0600</pubDate>
<description><![CDATA[Homeowners should expect to run into at least three major issues when attempting to qualify for a loan modification. These problems should be considered before the borrowers decide whether to apply for a modification or not.]]></description>
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<item>
<title>How Banks Take Advantage of Government Modification Plans to Foreclose on Borrowers</title>
<link>http://EzineArticles.com/3393249</link>
<guid>http://EzineArticles.com/3393249</guid>
<pubDate>Tue, 08 Dec 2009 19:24:09 -0600</pubDate>
<description><![CDATA[The government's programs to help stop the foreclosure crisis were probably started with the best of intention. Optimistic hopes, however, can not cover for economic ignorance and an unwillingness to face the facts of the housing market.]]></description>
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<item>
<title>What the Lender Will Do If You Ignore the Foreclosure Lawsuit</title>
<link>http://EzineArticles.com/3368311</link>
<guid>http://EzineArticles.com/3368311</guid>
<pubDate>Fri, 04 Dec 2009 10:27:53 -0600</pubDate>
<description><![CDATA[The bank will have no problem opening discussions with the borrowers, all the while proceeding with the legal action and having the house sold. If the negotiations fail, the homeowners can be swiftly evicted.]]></description>
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<item>
<title>Using Government Programs to Avoid Foreclosure Vs Avoiding a Sheriff's Sale on Your Own</title>
<link>http://EzineArticles.com/3366003</link>
<guid>http://EzineArticles.com/3366003</guid>
<pubDate>Thu, 03 Dec 2009 16:34:41 -0600</pubDate>
<description><![CDATA[Because of the historically high number of evictions that has thoroughly wrecked our financial system, several local and federal government programs were started to help provide relief to property owners. Most of these programs have since come and gone, but a few still exist. ]]></description>
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<item>
<title>Simple Ideas For Saving a Property From Foreclosure</title>
<link>http://EzineArticles.com/3364387</link>
<guid>http://EzineArticles.com/3364387</guid>
<pubDate>Thu, 03 Dec 2009 12:49:01 -0600</pubDate>
<description><![CDATA[Homeowners should keep in mind that the bank or mortgage servicer is 100% able to stop the foreclosure whenever it wants. Before doing anything at all, though, homeowners need to decide if the home is worth keeping.]]></description>
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<item>
<title>New Growth Industry - Cleaning Out Foreclosed Properties</title>
<link>http://EzineArticles.com/3362585</link>
<guid>http://EzineArticles.com/3362585</guid>
<pubDate>Wed, 02 Dec 2009 17:06:23 -0600</pubDate>
<description><![CDATA[One of the businesses that have been booming despite (or because of) the current economic downturn is cleaning out foreclosed homes. When banks purchase homes at auction, they usually begin eviction proceedings.]]></description>
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<item>
<title>Bond For Deeds and the Foreclosure Process</title>
<link>http://EzineArticles.com/3355986</link>
<guid>http://EzineArticles.com/3355986</guid>
<pubDate>Tue, 01 Dec 2009 16:11:47 -0600</pubDate>
<description><![CDATA[A number of homeowners exist in a kind of legal limbo between being renters and having a mortgage. They are not renting under a lease agreement, but they have not bought the property and obtained a mortgage. As well, they do not own the home they are living in outright.]]></description>
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<item>
<title>Foreclosure - The More Difficult to Stop, the Further the Process Goes</title>
<link>http://EzineArticles.com/3350763</link>
<guid>http://EzineArticles.com/3350763</guid>
<pubDate>Tue, 01 Dec 2009 09:47:15 -0600</pubDate>
<description><![CDATA[When foreclosure happens, many homeowners simply go into hiding for months at a time. A few weeks before the property is auctioned off by the county, they decide to look into options to save the home.]]></description>
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<item>
<title>Banks Delaying Foreclosure Auctions to Prevent Losses</title>
<link>http://EzineArticles.com/3349766</link>
<guid>http://EzineArticles.com/3349766</guid>
<pubDate>Tue, 01 Dec 2009 08:51:11 -0600</pubDate>
<description><![CDATA[Homeowners who are behind in mortgage payments often make one mistake that, if not made, would allow them many more months to recover financially before losing their home. This mistake is when borrowers move out of their home before they are legally required to do so.]]></description>
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<item>
<title>How Getting a Loan Modification Prevents Homeowners From Losing Their Home</title>
<link>http://EzineArticles.com/3303730</link>
<guid>http://EzineArticles.com/3303730</guid>
<pubDate>Mon, 23 Nov 2009 10:02:00 -0600</pubDate>
<description><![CDATA[Obtaining a mortgage modification is one way that a property owner can avoid losing their home. When considering a loan modification, you will need to explain your problems in the most illuminating way to your bank. This is why a smart homeowner would take the step to hire a professional to discuss their situation with their mortgage holder, rather than attempting such an overwhelming task on their own.]]></description>
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<item>
<title>Fight Back Foreclosure - Use Information Against Your Lender</title>
<link>http://EzineArticles.com/3277621</link>
<guid>http://EzineArticles.com/3277621</guid>
<pubDate>Tue, 17 Nov 2009 21:05:09 -0600</pubDate>
<description><![CDATA[An alert home owner can use a little known fact to their benefit to try to halt foreclosure by their banker. In the long run, it would cost less for lenders to work with the home owner to find a solution to the problem than evict them from their residence.]]></description>
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<item>
<title>Mortgage Advice - What Solutions Are Available and How Do You Begin</title>
<link>http://EzineArticles.com/3263274</link>
<guid>http://EzineArticles.com/3263274</guid>
<pubDate>Fri, 13 Nov 2009 17:31:33 -0600</pubDate>
<description><![CDATA[When facing foreclosure, it's difficult to find good advice to keep your house. It's our wish that we will help direct you in the right direction and supply consumers with the tools and advice you need to stop the foreclosure process.]]></description>
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<item>
<title>Facing Eviction After Losing a Home to Foreclosure</title>
<link>http://EzineArticles.com/3248901</link>
<guid>http://EzineArticles.com/3248901</guid>
<pubDate>Thu, 12 Nov 2009 13:22:07 -0600</pubDate>
<description><![CDATA[Many homeowners do not want to move out of their property, even after a foreclosure lawsuit, judgment, and sheriff sale. Despite having six months to a year to live mortgage free, some borrowers are just not financially able to move when required by the courts and the purchaser at the auction. In these cases, the lender, which usually buys the home at the sale, will begin the eviction process.]]></description>
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<item>
<title>Options For Tenants After a Foreclosure</title>
<link>http://EzineArticles.com/3221547</link>
<guid>http://EzineArticles.com/3221547</guid>
<pubDate>Mon, 09 Nov 2009 14:12:20 -0600</pubDate>
<description><![CDATA[When homeowners face foreclosure on a property they are renting out, tenants often begin to worry about the status of their home. Will the landlord be able to avoid foreclosure? Should the tenants stop paying rent?]]></description>
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<item>
<title>Home Affordable Modification Program - Another Federal Foreclosure Bailout Plan</title>
<link>http://EzineArticles.com/3214618</link>
<guid>http://EzineArticles.com/3214618</guid>
<pubDate>Fri, 06 Nov 2009 14:26:18 -0600</pubDate>
<description><![CDATA[In 2009, the Congress and the Obama administration revealed their newest plan to help families save their homes from foreclosure by encouraging mortgage modifications. This plan, called the Home Affordable Modification Program (HAMP) was designed to create broad guidelines for the mortgage industry on modifying loans, as well as provide incentives to lenders and servicers to offer modifications.  Participation in the HAMP plan, as with most of the other federal foreclosure help programs, is voluntary for most servicing companies and lenders.]]></description>
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<item>
<title>Short Sales to Stop Foreclosure and Income Taxes</title>
<link>http://EzineArticles.com/3209326</link>
<guid>http://EzineArticles.com/3209326</guid>
<pubDate>Fri, 06 Nov 2009 10:57:40 -0600</pubDate>
<description><![CDATA[Homeowners who sell their homes through a short sale are often very concerned about the tax implications. The bank is then responsible for reporting the forgiven amount to the IRS as income to the borrowers.]]></description>
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<item>
<title>Homeowners - How to Bring Up Wrongful Foreclosure Claims</title>
<link>http://EzineArticles.com/3208064</link>
<guid>http://EzineArticles.com/3208064</guid>
<pubDate>Thu, 05 Nov 2009 13:51:13 -0600</pubDate>
<description><![CDATA[In some cases of foreclosure, there may be enough instances of misconduct by the lender to show that the entire process constitutes a wrongful foreclosure. Many states even have common law regarding this issue.]]></description>
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<item>
<title>Ways Banks Are Limited on Deficiency Judgments</title>
<link>http://EzineArticles.com/3201223</link>
<guid>http://EzineArticles.com/3201223</guid>
<pubDate>Tue, 03 Nov 2009 17:03:03 -0600</pubDate>
<description><![CDATA[With the anticipation of a deficiency judgment, borrowers may feel like they will never be able to move on after foreclosure. However, this is simply not the case. The potential for a deficiency judgment can be very small.]]></description>
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<item>
<title>Sheriff Sale - How to Reverse One</title>
<link>http://EzineArticles.com/3195028</link>
<guid>http://EzineArticles.com/3195028</guid>
<pubDate>Tue, 03 Nov 2009 15:29:34 -0600</pubDate>
<description><![CDATA[Is there really no hope for borrowers whose homes have been sold and the auction has been confirmed? In most cases, this is not true, as there are still some remedies available to reverse a sheriff sale.]]></description>
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<item>
<title>Reduce Your Monthly House Loan Payment With a Mortgage Modification</title>
<link>http://EzineArticles.com/3196236</link>
<guid>http://EzineArticles.com/3196236</guid>
<pubDate>Tue, 03 Nov 2009 15:03:27 -0600</pubDate>
<description><![CDATA[If you are trying to reduce your monthly expenses, then debt consolidation and/or debt settlement are each excellent methods of reducing your unsecured debt payments. But getting a mortgage modification can also reduce your mortgage payment. Since your mortgage is likely the highest monthly payment, it only makes sense to have it reduced too. This is extremely easily accomplished with a mortgage Modification. ]]></description>
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<item>
<title>Differences Between Mortgage and Tax Foreclosure</title>
<link>http://EzineArticles.com/3176916</link>
<guid>http://EzineArticles.com/3176916</guid>
<pubDate>Fri, 30 Oct 2009 15:00:08 -0500</pubDate>
<description><![CDATA[As home values keep dropping yet property taxes keep increasing, tax foreclosure sales will become more common. Some homeowners experiencing double-digit percentage increases in their yearly tax burden, even as they are working fewer hours or taking pay cuts will inevitably come to realize that they can no longer afford to keep up with monthly housing costs that never go down.]]></description>
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<item>
<title>The Manufactured Home Foreclosure Process</title>
<link>http://EzineArticles.com/3176179</link>
<guid>http://EzineArticles.com/3176179</guid>
<pubDate>Fri, 30 Oct 2009 13:55:34 -0500</pubDate>
<description><![CDATA[Close to eighteen million people live in manufactured homes. The target market for many of these properties are people with low income who are otherwise unable to afford a single family house.]]></description>
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<item>
<title>Are Homeowners Safe From Deficiency Judgments After Foreclosure?</title>
<link>http://EzineArticles.com/3170209</link>
<guid>http://EzineArticles.com/3170209</guid>
<pubDate>Thu, 29 Oct 2009 20:40:51 -0500</pubDate>
<description><![CDATA[Homeowners are often worried about further collection attempts after a foreclosure has been completed. But in most cases, there is little chance of a deficiency judgment.]]></description>
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<item>
<title>How Collection Agencies Violate Debt Collection Laws</title>
<link>http://EzineArticles.com/3169343</link>
<guid>http://EzineArticles.com/3169343</guid>
<pubDate>Wed, 28 Oct 2009 21:41:46 -0500</pubDate>
<description><![CDATA[The Fair Debt Collection Practices Act was originally designed to protect debtors against abuse by collection agencies pursuing a debt. There are numerous violations that may cause penalties against the debt collector.]]></description>
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<item>
<title>Communities Raise Taxes on Decreasing Property Values</title>
<link>http://EzineArticles.com/3156460</link>
<guid>http://EzineArticles.com/3156460</guid>
<pubDate>Wed, 28 Oct 2009 11:49:32 -0500</pubDate>
<description><![CDATA[What is most amazing about the real estate downturn and economic depression is that government seems to keep on growing. In fact, government at all levels does not seem to have missed a beat.]]></description>
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<item>
<title>Arbitration Company Shut Down For Conflicts of Interest</title>
<link>http://EzineArticles.com/3157880</link>
<guid>http://EzineArticles.com/3157880</guid>
<pubDate>Tue, 27 Oct 2009 14:18:40 -0500</pubDate>
<description><![CDATA[One tool of the credit card companies has always been to force consumers into unfair arbitration proceedings, where very little is done to help strapped borrowers get back on top of debts. While most people who were involved in such negotiations had a feeling they horribly biased against the consumers, the full extent of the corruption of the process has finally come out in a recent court settlement.
]]></description>
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<item>
<title>Ownership of Foreclosed Home Not Transferred After Auction</title>
<link>http://EzineArticles.com/3138759</link>
<guid>http://EzineArticles.com/3138759</guid>
<pubDate>Fri, 23 Oct 2009 15:34:16 -0500</pubDate>
<description><![CDATA[At the end of the foreclosure process, once all of the notices have been sent and published and the lawsuit has ended, a public auction is held to dispose of the property. This typically called a sheriff sale or trustee sale, and is the event during foreclosure where borrowers' ownership interest is transferred to the buyer at auction. But sheriff sales do not always go smoothly, and homeowners may need to find out if their home was sold or not.]]></description>
</item>
<item>
<title>If You Are in Foreclosure and Your Bank is Taken Over by the FDIC</title>
<link>http://EzineArticles.com/3132215</link>
<guid>http://EzineArticles.com/3132215</guid>
<pubDate>Fri, 23 Oct 2009 10:38:48 -0500</pubDate>
<description><![CDATA[From Washington Mutual to the local bank on the corner, the government has been busy since the financial crisis began shutting down banks almost every week. Many of these banks are becoming insolvent due to their exposure to the subprime mortgage market and other risky loans that they extended to consumers or invested in to take advantage of exorbitant profits. But with so many banks going out of business, homeowners with loans through these institutions need a plan for staying out of foreclosure.]]></description>
</item>
<item>
<title>Nonjudicial Foreclosure Process Creates Additional Hurdles For Homeowners</title>
<link>http://EzineArticles.com/3139619</link>
<guid>http://EzineArticles.com/3139619</guid>
<pubDate>Thu, 22 Oct 2009 20:38:04 -0500</pubDate>
<description><![CDATA[In nonjudicial foreclosure states, homeowners who believe they can fight back against the process face an additional challenge that borrowers in judicial states do not have to deal with. In a nonjudicial foreclosure process, the bank is able to proceed with selling a home at a public auction with no involvement by the local court system.]]></description>
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<item>
<title>What Does Default Mean in the Foreclosure Process?</title>
<link>http://EzineArticles.com/3118081</link>
<guid>http://EzineArticles.com/3118081</guid>
<pubDate>Wed, 21 Oct 2009 15:54:16 -0500</pubDate>
<description><![CDATA[When banks foreclose on a home, the owners are often confused by the language used in the various legal documents. One of the terms that causes the most confusion is "default."]]></description>
</item>
<item>
<title>Foreclosure and Lenders' Failure to Follow FHA Preforeclosure Procedures</title>
<link>http://EzineArticles.com/3077685</link>
<guid>http://EzineArticles.com/3077685</guid>
<pubDate>Wed, 14 Oct 2009 17:26:05 -0500</pubDate>
<description><![CDATA[The US Department of Housing and Urban Development (HUD) has established requirements that lenders must meet in order to bring a legitimate foreclosure action against homeowners. These rules apply to mortgages that are insured by the FHA.]]></description>
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<item>
<title>Produce the Note Checklist to Stop Foreclosure</title>
<link>http://EzineArticles.com/3076803</link>
<guid>http://EzineArticles.com/3076803</guid>
<pubDate>Tue, 13 Oct 2009 14:29:06 -0500</pubDate>
<description><![CDATA[One of the defenses to foreclosure that is becoming more widespread is the so-called "produce the note" strategy. Numerous cases have been thrown out once the bank has been unable to prove it owns the loan and can show the original note.]]></description>
</item>
<item>
<title>Using Bankruptcy to Cure a Mortgage Default</title>
<link>http://EzineArticles.com/3023833</link>
<guid>http://EzineArticles.com/3023833</guid>
<pubDate>Tue, 06 Oct 2009 14:11:57 -0500</pubDate>
<description><![CDATA[The Bankruptcy Code gives homeowners facing foreclosure the right to cure the default any time up until the foreclosure sale process is completed. The key word here is "process," and state law determines what the process is for a valid auction or sheriff sale.]]></description>
</item>
<item>
<title>Foreclosure Defenses - Requesting Documents Through Discovery</title>
<link>http://EzineArticles.com/3011473</link>
<guid>http://EzineArticles.com/3011473</guid>
<pubDate>Mon, 05 Oct 2009 09:40:47 -0500</pubDate>
<description><![CDATA[When homeowners are involved in a foreclosure lawsuit, either defending against the bank or initiating their own to stop a sheriff sale, there is a vast amount of information that can be obtained from the bank. Much of this information will be worthless, but there may be a few gems in the mix that make it much easier to show an invalid mortgage, a reason to dismiss the foreclosure, or violations of state and federal laws.]]></description>
</item>
<item>
<title>Should You Stop Paying Rent to a Landlord Facing Foreclosure?</title>
<link>http://EzineArticles.com/3018058</link>
<guid>http://EzineArticles.com/3018058</guid>
<pubDate>Thu, 01 Oct 2009 16:43:14 -0500</pubDate>
<description><![CDATA[When a home goes into foreclosure while there is an active lease agreement, the lease must be honored by both the homeowners and the tenants. This can be true even after the sheriff sale of the house.]]></description>
</item>
<item>
<title>Getting the Bank to Respond to Document Requests in Foreclosure</title>
<link>http://EzineArticles.com/3005294</link>
<guid>http://EzineArticles.com/3005294</guid>
<pubDate>Wed, 30 Sep 2009 10:17:16 -0500</pubDate>
<description><![CDATA[Often, when homeowners need a specific piece of information from their lender, the bank is suddenly unwilling to communicate. Despite numerous faxes or phone calls, the information never seems to make it from the homeowners to the bank back to the owners.]]></description>
</item>
<item>
<title>Documents You Need to Prevent Foreclosure</title>
<link>http://EzineArticles.com/2979612</link>
<guid>http://EzineArticles.com/2979612</guid>
<pubDate>Sat, 26 Sep 2009 10:29:59 -0500</pubDate>
<description><![CDATA[When homeowners or their legal advocates are doing research on a loan, there are numerous documents that may help inform their case against a lender. Borrowers should be aware of these different types of documents.]]></description>
</item>
<item>
<title>Turned Down For a Loan Modification? Here's Why</title>
<link>http://EzineArticles.com/2973436</link>
<guid>http://EzineArticles.com/2973436</guid>
<pubDate>Sat, 26 Sep 2009 08:37:27 -0500</pubDate>
<description><![CDATA[PSA's set a limit to how many mortgage modifications can be offered by servicers, and these companies may face liability from the trusts or investors that own the underlying loans if they offer too many workout plans to borrowers. The most recent development of President Obama administration's Home Affordable Modification Program (HAMP) has not been good.]]></description>
</item>
<item>
<title>Why it is Important to Find Out Who Owns Your Mortgage</title>
<link>http://EzineArticles.com/2959833</link>
<guid>http://EzineArticles.com/2959833</guid>
<pubDate>Fri, 25 Sep 2009 11:44:58 -0500</pubDate>
<description><![CDATA[When a lender can not find the original note, courts are deciding that foreclosure proceedings must be placed on hold. Without this document, it can be impossible to prove that one has the right to foreclose on the home.]]></description>
</item>
<item>
<title>Unjust Enrichment and Foreclosure</title>
<link>http://EzineArticles.com/2959123</link>
<guid>http://EzineArticles.com/2959123</guid>
<pubDate>Fri, 25 Sep 2009 10:50:57 -0500</pubDate>
<description><![CDATA[The common understanding of the phrase "unjust enrichment" is that of a person or company unfairly making large amounts of money at the expense of a client or customer. Based on the past decade at least, few homeowners or have any real doubt that this is exactly the type of business that banks and mortgage corporations engage in every single day.
]]></description>
</item>
<item>
<title>Have Equity? Use it to Stop Foreclosure and Delay the Auction</title>
<link>http://EzineArticles.com/2965958</link>
<guid>http://EzineArticles.com/2965958</guid>
<pubDate>Tue, 22 Sep 2009 22:10:57 -0500</pubDate>
<description><![CDATA[One of the complaints of many homeowners that face foreclosure but whose houses have a large amount of equity is that their house is auctioned for far less than its true value at the sheriff sale.]]></description>
</item>
<item>
<title>Bankruptcy, Foreclosure, and Late Fees</title>
<link>http://EzineArticles.com/2921242</link>
<guid>http://EzineArticles.com/2921242</guid>
<pubDate>Fri, 18 Sep 2009 14:58:48 -0500</pubDate>
<description><![CDATA[One of the reasons that lenders do not like when homeowners file for bankruptcy to stop foreclosure is that the automatic stay prohibits the bank from moving forward with the foreclosure process. The bank may have to give up some of the eventual profits of selling the home at auction and reselling it later if the borrowers are able to get back on track through the bankruptcy process.]]></description>
</item>
<item>
<title>Truth in Lending Act and Foreclosure</title>
<link>http://EzineArticles.com/2941179</link>
<guid>http://EzineArticles.com/2941179</guid>
<pubDate>Thu, 17 Sep 2009 14:38:56 -0500</pubDate>
<description><![CDATA[One of the laws that give homeowners the most protection against mortgage lending abuses is the Truth in Lending Act (TILA). This act is designed to provide borrowers with adequate disclosures]]></description>
</item>
<item>
<title>Can Appraisers Be Held Liable For Fraudulent Property Valuations?</title>
<link>http://EzineArticles.com/2934628</link>
<guid>http://EzineArticles.com/2934628</guid>
<pubDate>Wed, 16 Sep 2009 20:32:12 -0500</pubDate>
<description><![CDATA[Without question, one of the enablers in many fraudulent mortgage lending schemes has been a crooked appraiser willing to give a property any value that the Realtor, mortgage broker, or lender wanted. The real estate bubble could not have been inflated to such a high level without the complicity of many appraisers who threw all conservatism out the window and began giving properties ridiculous values in order to help secure loans.
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<title>What Are All Those Fees? Foreclosure and Late Charges</title>
<link>http://EzineArticles.com/2909581</link>
<guid>http://EzineArticles.com/2909581</guid>
<pubDate>Tue, 15 Sep 2009 14:13:00 -0500</pubDate>
<description><![CDATA[When homeowners begin to fall behind on their mortgage, almost immediately, the bank begins adding numerous fees to the balance. A default of a couple months can balloon into a total amount behind equaling nearly half a year's worth of principal and interest payments.]]></description>
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<title>Mortgage Servicing Fraud - How They Push Homeowners to Foreclosure</title>
<link>http://EzineArticles.com/2874063</link>
<guid>http://EzineArticles.com/2874063</guid>
<pubDate>Fri, 11 Sep 2009 15:55:18 -0500</pubDate>
<description><![CDATA[In the past couple decades, since the government essentially created the abuse-encouraging mortgage servicing industry, there has been a wave of lawsuits against these servicers for a range of activities. Obviously, there is a systemic problem and homeowners need to be aware of it before they are taken advantage of. While there are a whole host of abuse practices these companies engage in, this article will look at five of the most common.
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<title>Will More Regulations Solve the Housing Problem?</title>
<link>http://EzineArticles.com/2898045</link>
<guid>http://EzineArticles.com/2898045</guid>
<pubDate>Thu, 10 Sep 2009 21:01:21 -0500</pubDate>
<description><![CDATA[With the government's overreaction to the financial crisis, there are thousands of pages of new regulations covering the investment banking, mortgage lending, loan servicing, student loan, credit card, and every other financial industry. All of these new rules will create more burdens on consumers, who will have to deal with even more confusing disclosures and higher costs of borrowing.
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<title>Government Created the Incentives For Mortgage Servicers to Foreclose</title>
<link>http://EzineArticles.com/2866340</link>
<guid>http://EzineArticles.com/2866340</guid>
<pubDate>Wed, 09 Sep 2009 17:14:38 -0500</pubDate>
<description><![CDATA[One of the biggest boons of the mortgage servicing industry was the securitization of mortgages beginning in the 1970's. With lenders selling off newly originated loans, the servicing industry grew as the investors in mortgages did not want to deal with the administration of collecting payments, dealing with refinances and title issues, and foreclosing on homes when necessary.]]></description>
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<title>Unconscionable Mortgages and the Foreclosure Process</title>
<link>http://EzineArticles.com/2860287</link>
<guid>http://EzineArticles.com/2860287</guid>
<pubDate>Thu, 03 Sep 2009 14:25:06 -0500</pubDate>
<description><![CDATA[Homeowners who have been blatantly taken advantage of during the mortgage process may have a defense to foreclosure based on the unconscionable contract. There are a number of factors that can point to unconscionability in a loan.]]></description>
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<title>Credit Insurance and Foreclosure</title>
<link>http://EzineArticles.com/2854017</link>
<guid>http://EzineArticles.com/2854017</guid>
<pubDate>Thu, 03 Sep 2009 09:56:39 -0500</pubDate>
<description><![CDATA[Some homeowners, when they originally purchase their home or refinance, are pushed into an expensive "credit insurance" policy. Despite how they are sold to the borrowers, though, these schemes can often just be one more way that lenders enrich themselves by taking advantage of the financial ignorance of most borrowers. Abusive credit insurance can also be used as a defense against a foreclosure lawsuit.]]></description>
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