Feed: Homeowners War Room - AggScore: 46.5

Banks Trying To Self-Reform Foreclosure

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Haven’t we heard this before? Bankers afraid of going to jail are trying to reform their foreclosure proceedings, but mark my words it will not be real reform, but just enough reform to make it look like they are doing something. Real reform only happens when homeowners learn their rights,

Case Study 1: Bank of America’s Response To Initial Request

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Dates are very critical on letters because lender’s have very specific time requirements to comply. Keep all envelopes because they may write you, but not mail the letter. This is a violation of federal law and may give you some leverage on negotiations coming up. Their response is fairly typical.

Case Study 1: Sample Initial Request To Lender

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This initial request was just to get the ball rolling. Borrower had nothing pending at the time, but was not current on the loan. The theory was to not let the lender know any strategies. The letter was handwritten in order to be very non-threatening. The goal was just to

California Votes Down Homeowner Protection Bill

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California has been leading the fight against illegal foreclosure practices, but today we had a set back. The California legislature voted down a bill to protect homeowners from foreclosures once a modification had been agreed to by the parties. Though most people would assume that a loan modification is a

Bank of America Is Up To It Again

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Bank of America will stop at nothing to keep from being sanctioned for its illegal activities. Now that the attorneys general of the states are on to them, Bank of America has developed a divide and conquer strategy. Their view is still that it is more cost effective to distract

#5 What To Expect From Court Staff

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The judge and courtroom staff are supposed to be impartial. That means they will not favor one side over the other or help one side. But you must remember that the judge and his staff probably know the lawyer. They probably already have some level of friendship. Don’t not interpret

#4 Preparing For Court

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Court is not at all like it is on tv. The first thing you will notice is that there is A LOT of waiting around. Judges schedule many things at once to make sure they don’t have to wait on lawyers and because many court hearings involve some time of

#3 Organizing For Trial

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Being organized is a big key to victory in court. You may have hundreds of documents and you need to be able to put your hands on the right document or law at the right time. In a later lesson we will teach you how to put together a trial

Verification of Court Pleading (Sample)

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Some pleadings must be verified. That means you have to not only file them, but you have to swear under penalty of perjury that they are true. Most pleadings do not need this verification, but you should check with your court clerk if you are in doubt. If needed a

Certificate of Service (Sample)

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A Certificate of Service is something you put into the court file showing or verifying that you gave the other parties the information you were required to give them. There are two different kinds of Certificates of Service. The first one goes on the bottom of any document, except the original