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Stop or Stall Your Foreclosure, What the Big Banks Don't Want You To Know Jay Johnson Did you know that the banks make more money if they foreclose rather than modify?
Did you know there are over 1 million Americans searching for the terms "loan modification help" on Google each month? You are not alone.
After a two year struggle with my lender (yes..I did not make mortgage payments for two years!) I finally got the modification I needed and saved my home!
Stop or Stall Your Foreclosure will help you navigate this complex problem that so many Homeowners are struggling with. This book will aid you in strategizing the best options for saving your home and will give you some peace of mind.
I've taken the knowledge I gained from working with a highly regarded legal consumer advocate and I'm spilling all the dirty secrets that the mortgage industry and the banks would rather you not know.
Here's what you'll find in this easy to read, conversational book:
Ch 1: Introduction
The story of my two year battle with one of the biggest (and most corrupt) mortgage loan servicers.
Ch 2: The Dirty "BIG" Secret
Ch 3: Stop Paying Your Mortgage
Ch 4: The Foreclosure Process (Judicial vs. Non-Judicial)
Ch 5: Modifications - What To Know Before You Apply!
Ch 6: HAMP - Formula for Determining Eligibility
Ch 7: Apply and Re-apply for HAMP
Ch 8: Traditional In-House Modifications - Eligibility Formula
Ch 9: How to Write an Effective Hardship Letter
Ch 10: Produce the Note Strategy
Ch 11: Quiet Title Actions & Forensic Audits
Ch 12: The Bankruptcy Option
Ch 13: Unemployment, Deed in Lieu and Short Sales
Ch 14: Why You Need to Continue Paying HOA Dues
Ch 15: Avoiding Scams
Ch 16: How to Find an Effective Attorney
Ch 17: Psychological Effects
Ch 18: How to Combat Financial Stress
Ch 19: Afterword
Ch 20: Sample Documents and Examples
Arm yourself with knowledge to fight for your home and your financial future today. |
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First-Time Landlord: Your Guide to Renting out a Single-Family Home Janet Portman Attorney, Marcia Stewart Landlording 101 for new rental property owners who are firsttime landlords as a result of an inheritance, divorce, move to a new house, buying a duplex and renting out the extra unit, purchase for a family member (elderly parent or college student child), or buying a rental property house as an investment. Many of the readers are not only firsttimers, but they are accidental landlords who took on the task because they inherited a property or couldn’t sell their house at a decent price, so are renting it out. The book is for the millions of people who rent out single family homes and condos (not multiunit apartment buildings), while typically balancing a day job with landlord responsibilities. The audience is novice landlords who need basic business and legal advice on renting out and managing rental propertiesdifferent from landlords who consider themselves real estate investors. |
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Nolo's Essential Guide to Buying Your First Home Ilona Bray J.D., Alayna Schroeder J.D., Marcia Stewart The start to finish guide that puts the fun back into the challenge of buying a first home, with comprehensive, timely information from a team of experts. Get valuable tips on: deciding between a house, condo, co-op or townhouse; exploring your local market for the best value; creating and managing a realistic homebuying budget; qualifying for and securing financing; getting the right inspections and insurance; negotiating with sellers or new home builders; successfully closing the deal and includes all the legal forms you need. |
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Every Landlord's Legal Guide with CDROM (Every Landlord's Legal Guide (W/CD)) Marcia Stewart, Janet Portman, Ralph E. Warner Whether you have one unit or one hundred, this book will give you the legal and practical information you need to comply with your state's laws, find and keep good tenants, and avoid legal trouble. A Nolo bestseller, Every Landlord's Legal Guide shows you how to: *screen and choose prospective tenants
*write a legal rental agreement or lease
*hire a property manager
*deal with problem tenants
*understand repair, maintenance and security responsibilities
*avoid lawsuits
*comply with laws regarding security deposits, privacy, discrimination, senior housing, habitability and much more The completely revised 6th edition features updated legal charts that cover every state's landlord/tenant laws, ranging from security-deposit rules to evictions. It also discusses discrimination on the basis of immigration status, issues regarding terrorism and dealing with noisy tenants. All forms provided as tear-outs and on CD-ROM. |
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The California Landlord's Law Book: Rights & Responsibilities David Brown, Ralph Warner Attorney, Janet Portman Attorney California landlord? Run your business and manage your property with the time-tested legal guide for landlords in the Golden State.Since 1985, The California Landlord's Law Book has been the reliable legal guide for California landlords, with everything you need to know about: leases and rental agreements;rent control;liability and discrimination.Includes all the legal forms you need! |
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The Strategic Default Plan: How to Walk Away from Your Mortgage Christopher Forrest Do you owe more on your mortgage than your home is worth? Are you struggling with an underwater mortgage? Do you wish you could just walk away? YOU CAN! In THE STRATEGIC DEFAULT PLAN, nationally renowned foreclosure defense attorney Christopher Forrest guides you through his step-by-step strategic default and strategic foreclosure plan, and teaches you the secrets and insider information you need to know to walk away from your mortgage. THE STRATEGIC DEFAULT PLAN is a 'must-read' guide for anyone stuck in an underwater mortgage. If you have an underwater mortgage, negative equity, or are concerned about a deficiency judgment when you walk away for your mortgage, this book was written for you. Attorney Christopher Forrest has advised and represented thousands of property owners in strategic default, strategic foreclosure and foreclosure defense including avoiding deficiency judgment. His legal techniques have garnered national media attention and The Forrest Law Firm has been featured in over 84 newspaper articles, television reports, the Associated Press, Bloomberg News, AOL News, and The Huffington Post. Once considered taboo, walking away from a mortgage in a strategic default or strategic foreclosure has become an acceptable way to deal with an underwater mortgage. Many Americans have learned how difficult it is to deal with most banks. More Americans are becoming angry that these banks have taken billions of dollars in taxpayer bailouts, and then have used that money to foreclosure on millions of families and pursue the for deficiency judgment. It doesn' Many families have come to the realization that there will be no bailouts for the American homeowner struggling with an underwater mortgage or negative equity. No one is coming to save them. They feel abandoned by their banks and by their government. If you feel this way, you are not alone. And you are right. I have spent years defending American homeowners in a war being waged against them by banks and financial institutions. The courtrooms of America have become the battleground in this war. The American homeowner is losing. But you have the means to fight back. You have the ability to unshackle yourself and walk away. To survive in these new times, in this “new normal,” you must come to the realization that since no one is coming to help you, you must help yourself. You must take stock of your financial situation and your future. You must put yourself and your family first. You must decide what is in your best interest, and then let nothing stand in your way. THE STRATEGIC DEFAULT PLAN can help you take control of your financial future. A strategic default or strategic foreclosure may be the best decision you've ever made. Learn how to escape an underwater mortgage, negative equity and deficiency judgment. Don't wait. Buy your copy of THE STRATEGIC DEFAULT PLAN today! |
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Saving the Family Cottage: A Guide to Succession Planning for Your Cottage, Cabin, Camp or Vacation Home Stuart Hollander, David Fry, Rose Hollander Now published by Nolo, in Saving the Family Cottage, attorneys Stuart Hollander and David Fry explain why problems arise when a vacation home is passed on to the next generation (unequal wealth distribution among siblings and cousins being the usual culprit) and offer practical suggestions on how to address this problem. Hollander suggests how to incorporate succession planning for a vacation home into an estate plan and gives practical advice on such things as which entity is best for succession planning, how to develop a cottage schedule, what to do about an owner who fails to pay his or her assessment, whether to establish an 'endowment,' and how to allocate control between and within generations of owners. Although Hollander uses the term 'cottage,' the principles of his book apply to any property that a family wants to retain. Written for the vacation home owner but with information that also will be useful to attorneys and financial planners, the book engages the reader with stories of cottage 'wars' and planning gone awry. The book makes a complex problem understandable and offers methods to help keep a second home in the family for generations. This edition acknowledged the addition of David S. Fry, Esq. to the book and as the successor to the author's cottage law practice. The updated third edition is now published by Nolo and will be revised to include the latest regarding state and federal laws, including estate tax information. |
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Underwater Home: What Should You Do if You Owe More on Your Home than It's Worth? Brent T. White Underwater on your home? Don't know what to do? Let one of the the nation's leading experts guide you to the right decision. In Underwater Home, Professor White addresses all your concerns and helps you work through the emotions and practical realities of being underwater on your home. He explains your options and gives you the facts that will empower you to make the best decision for your family, free from guilt or fear, and with clarity, confidence, and peace of mind. Underwater Home is both an emotional and practical guide for the underwater homeowner. Professor White explains when it makes financial sense to stay in your underwater home and when it makes sense to get out. And he offers no-nonsense insight into how to negotiate with your lender. If you're underwater on your home, you can't afford not to read this book. "In a tone that is both conversational and precise... lays out the case for and against walking away from an upside-down mortgage where the home is worth less than the mortgage balance. As is his habit, Mr. White strips away many of the emotional reasons that are often touted to deter walkaways. - Wall Street Journal, Decemeber 7, 2010. "Underwater mortgage? The book banks and Fannie hope you won’t read." Reuters, December 15, 2010 "Law Prof’s Book Helps Underwater Homeowners Decide When to Walk Away" - ABA Journal, December 8, 2010. "A how-to book on strategic mortgage default." - Orlando Sentinel, December 15, 2010 "Brent White, a University of Arizona law professor who has preached the morality double standard that homeowners face while companies default on loans without so much as a second thought, now makes his case in a book that virtually holds homeowners’ hand through the process. He tells them what to consider when deciding whether they should stop paying the mortgage... White even walks homeowners through the math to figure out whether they’re better off staying put and or walking away. - Orlando Sentinel, December 15, 2010 |
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Practical Real Estate Law Daniel F. Hinkel PRACTICAL REAL ESTATE LAW, 6E, is the ideal book for educating and training future paralegals about the intricacies of real estate law and transactions. This user-friendly book covers the central areas involved in transactional real estate in detail. These areas include real estate contracts, real estate brokerage relationships, real estate finance as it specifically relates to residential and commercial processes, surveys, title insurance and federal taxation and how it applies to the ownership and investment in real estate. Practical Real Estate Law, 6E, also discusses the many new laws that have been passed to assist homeowners facing foreclosure.Case summaries successfully illustrate how the legal principles operate in the real world and will give readers practice in reading and analyzing case material. While many theories of residential and commercial real estate transactions are the same, students and practicing paralegals will benefit greatly from the residential-specifc and commercial-specific discussions, forms, and checklists that explain the vast differences. |
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CrunchTime Property (The Crunchtime Series) Steven L. Emanuel When time is of the essence, make CrunchTime your exam study partner. Whether you're preparing for a multiple-choice, short-answer, or essay exam, CrunchTime can improve your grade with a complete set of exam preparation tools that include capsule summaries of major points of law and critical issues, exam tips for identifying common traps and pitfalls, sample multiple-choice questions with answers, and short-answer practice questions with answers. Visual learners will enrich their law school experience early in the semester by using the application flow charts in CrunchTime to visually illuminate points of law. Each CrunchTime title includes: - A capsule summary that explains clearly the major topics and issues covered in the course.
- Flow charts that illustrate principles and concepts.
- Multiple-choice questions with answers that build exam-taking skills and confidence.
- Essay questions with model answers that include valuable tips for crafting a successful exam essay.
- Practice questions and answers modeled on the short-answer exam format.
- Exam tips that teach you how to avoid common traps and pitfalls.
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