Chapter 13 prior to Mortgage and Property Tax Foreclosure
Chapter 13 stops both mortgage and property tax foreclosures. Then you have up to 5 years to catch up on the property taxes.
Even a Simple Chapter 7 Bankruptcy Can . . . Help You Walk Away from Your Mortgage
Filing Chapter 7 bankruptcy in the midst of letting go of your home can be a smart combination.
Whistleblowing “Independent Claim Reviewer” Reveals the Lie Behind the Recent $8.5 Billion Bank Foreclosure Abuses Settlement
Evidence is mounting that the banks suppressed the "independent" reviewers' efforts to find foreclosure abuses and compensate homeowner victims.
The Maddening Reality behind the New $8.5 Billion Settlement of the Banks’ Foreclosure Abuses
This settlement means for of the same for the New Year: "no accountability for financial institutions and little help for borrowers," according to a NY Times op-ed.
New $8.5 Billion Settlement between Federal Regulators and 10 Banks for Home Foreclosure Abuses
3.8 million people whose homes were in foreclosure in 2009 and 2010 will receive $3.3 billion in cash, plus another $5.2 billion in other help.
The Nitty-Gritty about Catching Up on Your Mortgage through Chapter 13–Part 2
More answers about how Chapter 13 gives you up to 5 years to catch up on your past-due mortgage.
Independent Monitor Releases 1st Report on the Bank’s Compliance with the National Mortgage Settlement
This report provides tons of accessible information, lots of clear graphics. Includes a detailed timetable, and state-by-state compliance data.
Power Over Your Secured Creditors in Chapter 7
Your secured creditors are often the ones you most care about, because the creditor can take your collateral. Chapter 7 strengthens your hand, improving your options.
State Sued for Diverting $50 Million from its Foreclosure Settlement Fund
The state with the highest foreclosure rate, Arizona, is being sued for violating the settlement's federal consent judgment by not using the funds for helping homeowners.
Some States Are Not Using Their Foreclosure Settlement Funds to Help Homeowners
States recently received $2.5 billion from the major banks for foreclosure prevention and related help for homeowners. But much of that is not being used for those purposes.
AARP Report Says More Older Americans Now Still Have Morgage Debt;foreclosures
Not only is the foreclosure rate climbing for older mortgage holders, it is climbing faster than it is for younger ones.
“Nightmare on Main Street,” the AARP’s Report on Older Americans Coping with the Continuing Foreclosure Crisis
This new AARP study reveals shifts in mortgage patterns with huge immediate and near-future consequences.
Your Bankruptcy Rights vs. Creditors’ Rights to “Not be Deprived of Property without Due Process of Law” under the Fifth Amendment
The U. S. Constitution doesn't talk about it, so how does filing bankruptcy give you the power to stop a foreclosure?
A Combination of Chapter 13 Tools for Saving Your Home, Illustrated
It's often the combination of tools that come with Chapter 13 that allows you to keep your home. Because Chapter 7 has only some of these tools, sometimes it can't do nearly as much for your home as Chapter 13 can.
Irony by Perjury Adds Insult to Injury: from Lender Robo-signing to Foreclosed Homeowners Begging for Scraps from the National Mortgage Fraud Settlement
Homeowners who lost their homes to foreclosure may need to commit perjury to get restitution payments through the settlement. That would be the deepest kind of insult on injury.
