Jimerson Firm

JUNE 23, 2021

Quiet title actions are governed by Section 65.061 of the Florida Statutes. Therefore, lenders who have a mortgage interest in property, i.e., mortgagees, do not have a right to bring a quiet title action, unless it purchases the property at a foreclosure sale. What is a Quiet Title Action? Malt & Co. , 2d 53, 55 (Fla. 65.041, Fla.

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Credit Corp

AUGUST 25, 2021

In 2020, the federal government signed the Coronavirus Aid, Relief and Economic Security Act into law. The CARES Act was the first act passed by the federal government to provide financial relief to businesses and individuals in light of the economic strain caused by the COVID-19 pandemic. The first was a foreclosure moratorium.

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Sawin & Shea

APRIL 13, 2021

What you will learn from reading this article: Facts about selling your home while going through bankruptcy. Details about Chapter 7 and Chapter 13 Bankruptcies and your house. Can you sell your house if you are in a foreclosure situation? A Chapter 13 filing can stop foreclosure up to the point of a sheriff’s sale.

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Collection Industry News

MAY 2, 2023

The advisory opinion clarifies that a covered debt collector who brings or threatens to bring a state court foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and its implementing regulation. A time-barred debt is one whose statute of limitations has expired.

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Jimerson Firm

FEBRUARY 18, 2021

2] This result can be potentially disastrous to a mortgage lender that may lose the value of a first priority mortgage lien as security for the loan, and potentially have the mortgage subject to being foreclosed in a construction lien foreclosure lawsuit. Notices of commencement are governed by Fla. Lien Priority / Relation Back.

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Troutman Sanders

MAY 16, 2022

The SCIF intends to collect information about the borrower’s language preference, if any, and on any homebuyer education or housing counseling the borrower received, so lenders can better understand borrower needs during the home buying process. For more information, click here. For more information, click here. Engel , 37 N.Y.3d

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Credit Corp

JUNE 12, 2023

Learn what you need to know about the Flex Modification Program: how it works, who qualifies for it, and how you can apply. This program offers a flexible framework for loans that helps eligible borrowers to modify their monthly mortgage payments and avoid foreclosure. How Do Fannie Mae and Freddie Mac Work?

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Jimerson Firm

AUGUST 19, 2021

While both bills affect the laws governing Florida condominium and homeowners’ associations, Senate Bill 56, specifically, changed the collection and notification procedures for these associations. After providing such notice, condominium associations must wait forty-five (45) days before filing a foreclosure action.

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Qualco

MARCH 12, 2024

He literally spoke about “frustrated salespeople” and this appeared to resonate with most of the audience. Debtors who are serious about protecting their real estate assets or a small business need to feel they are dealing with a real person , capable of displaying empathy while offering options based on professional expertise.

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Troutman Sanders

AUGUST 9, 2021

Our bank and loan servicing clients also face novel challenges affecting their industry due to COVID-19, particularly the ever-changing rules and regulations concerning evictions and foreclosures. If individuals are unsure about certain communications, they should contact their state agency directly. For more information, click here.

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Debt Free Colorado

MARCH 10, 2023

Learn about the Five Bankruptcy Myths in Littleton, Colorado Due to worries stoked by myths and misconceptions about bankruptcy, many people choose not to obtain debt relief. This and other myths about bankruptcy in Littleton, Colorado are important to uncover. What Are the Important Things to Know About Bankruptcy?

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True Accord

MARCH 31, 2022

The four key trends we’re studying are: resumed foreclosure activity, extensive medical bills, the end of child tax credits and historically high inflation. In January, the foreclosure proceedings that were paused under the CARES Act resumed after an 18-month hiatus. But some definitely feel it more than others. million U.S.

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Troutman Sanders

MAY 17, 2021

Our bank and loan servicing clients also face novel challenges affecting their industry due to COVID-19, particularly the ever-changing rules and regulations concerning evictions and foreclosures. You may access this interactive tool at [link]. For more information, click here. For more information, click here. On May 14, U.S.

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Troutman Sanders

AUGUST 14, 2023

Government Accountability Office (GAO) updated its priority open recommendations to the OCC, the Federal Deposit Insurance Corporation (FDIC), and the Federal Reserve. The company initially sought the charter as a means to streamline about 200 state licenses it maintained for financial activity across the U.S. 5 of 2020 (DP Law 2020).

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Sawin & Shea

JULY 19, 2023

One of the things you may be most concerned about is whether it will affect your current job or future credit. Chapter 13 , or reorganization bankruptcy, stops repossessions and foreclosures so you can save your home or investment. Will My Employer Find Out About My Bankruptcy Filing? There are many considerations.

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Collection Industry News

AUGUST 17, 2023

About 39,000 individuals had new foreclosure notations on their credit reports, a very small increase from the first quarter. New foreclosures have stayed very low since even since the CARES Act moratorium was lifted. Student Loans Outstanding student loan debt stood at $1.57 trillion in Q2 2023.

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Debt Guru

JULY 28, 2021

Another option you may have if you are experiencing difficulty making your mortgage payment is speaking to your loan servicer about a loan modification. Each lender works differently, so be sure to ask about the details of their proposed plan. Deed-In-Lieu-of-Foreclosure. Loan Modification. Forbearance. Sell Your Home.

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Sawin & Shea

AUGUST 4, 2021

Facts about short sales: You still have to find a buyer for your house, and it needs to be a committed buyer who won’t walk away during the difficult process. For the lender, it’s all about the bottom line, and if they think they can get more money from a foreclosure, they won’t agree to a short sale. What is worse?

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Sawin & Shea

NOVEMBER 24, 2021

Many people worry that bankruptcy will simply delay the inevitable, such as a lawsuit, wage garnishment, or a foreclosure, and that their creditors will still come after them. An example of this is when the stay is lifted to allow a creditor to continue a foreclosure action against real property or to allow the repossession of a vehicle.

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Sawin & Shea

NOVEMBER 24, 2021

Many people worry that bankruptcy will simply delay the inevitable, such as a lawsuit, wage garnishment, or a foreclosure, and that their creditors will still come after them. An example of this is when the stay is lifted to allow a creditor to continue a foreclosure action against real property or to allow the repossession of a vehicle.

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Collection Industry News

AUGUST 16, 2021

In the summer of 2008, the Neighborhood Assistance Corporation of America staged an event that promised a fast track for struggling borrowers to avoid foreclosure. Folks were sweating and, in some cases, swearing, holding folders stuffed with information about their financial situation. Between 2007 and 2010, there were about 3.8

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Troutman Sanders

APRIL 12, 2021

Our bank and loan servicing clients also face novel challenges affecting their industry due to COVID-19, particularly the ever-changing rules and regulations concerning evictions and foreclosures. On April 5, the CFPB proposed a set of rule changes to help prevent foreclosures as the emergency federal foreclosure protections expire.

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Troutman Sanders

JUNE 15, 2021

Our bank and loan servicing clients also face novel challenges affecting their industry due to COVID-19, particularly the ever-changing rules and regulations concerning evictions and foreclosures. This EO calls on both the federal government and the private sector to identify, deter, detect, and respond to cyber incidents.”

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Fico Collections

JULY 29, 2020

This all points to the likelihood of a protracted period of economic uncertainty as governments act to contain outbreaks when, and where, they appear. Capacity to service a loan can either be assessed though analysis of customers’ transactional data or by having a conversation about their financial position.

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Troutman Sanders

JUNE 1, 2021

Our bank and loan servicing clients also face novel challenges affecting their industry due to COVID-19, particularly the ever-changing rules and regulations concerning evictions and foreclosures. The loan forgiveness could total $4 billion as the government intends to retire bank loans granted to minority farmers with USDA loan guarantees.

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Credit Corp

MARCH 25, 2024

Below, we’ll share our expertise to help you learn all about loans and mortgage options. Conventional Mortgage A conventional loan is a mortgage option that’s offered by a private lender instead of the government. On average, a credit score of 620 or more will qualify you for a government-backed USDA loan.

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Troutman Sanders

JANUARY 19, 2021

Our bank and loan servicing clients also face novel challenges affecting their industry due to COVID-19, particularly the ever-changing rules and regulations concerning evictions and foreclosures. For individuals interested in learning how to spot government imposter scams, click here. To read more about this warning, click here.

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Debt Free Colorado

DECEMBER 9, 2021

If you are considering consulting with an attorney about your debt-relief options, it is essential to remember that each type of bankruptcy comes with its advantages and disadvantages. . The United States Bankruptcy Code governs both chapter 7 and chapter 13 bankruptcy. The lender protects the borrower against foreclosure.

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Debt Free Colorado

OCTOBER 12, 2023

Detailed information about your property, collateralized debt, other debts, contracts, codebtors, income, expenses, and financial affairs must be provided accurately in the relevant sections of the bankruptcy form. But remember that the forms do not provide any information about what may transpire in your bankruptcy case.

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Burr Forman

JULY 21, 2021

Jade Sipes’ experience includes representing clients in matters involving consumer protection laws, wrongful foreclosure claims, and defense against charges of liability and fraud. About Burr & Forman. He is a member of the American, Alabama, and Birmingham Bar Associations. Keith is also a Certified Public Accountant.

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Troutman Sanders

JANUARY 4, 2021

Our bank and loan servicing clients also face novel challenges affecting their industry due to COVID-19, particularly the ever-changing rules and regulations concerning evictions and foreclosures. Phone-related scams: Consumers should be wary of calls claiming to originate from government agencies purporting access to a COVID-19 vaccine.

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Financial services Foreclosure Loans Trade 52

Credit Corp

MAY 1, 2024

Your credit score doesn’t say anything about your worth, but it can affect your ability to qualify for loans, credit cards, and lines of credit. Learn more about credit repair, how it works, and why it’s helpful. Each inquiry can stay on your report for up to two years, although their impact decreases significantly after about a year.

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Troutman Sanders

FEBRUARY 13, 2024

Supreme Court unanimously ruled that government agencies can be sued for violations of the Fair Credit Reporting Act (FCRA). However, the Court upheld the Third Circuit’s decision that the FCRA allows for suits against “any person,” including government agencies. The final settlement required the defendants to pay $10.9

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Public Citizen

JULY 6, 2020

Today, the Supreme Court held that collecting government debt by robocalling cellphones didn’t deserve special First Amendment treatment. The provision was dead from the first sentence of Justice Kavanaugh’s opinion: “Americans passionately disagree about many things. by Stephen Gardner. American Assn. of Political Consultants, Inc.,

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Collection Industry News

MARCH 15, 2021

The report states that “11 million renter and homeowner households were significantly overdue on their regular housing payments as of December 2020, placing them at heightened risk of losing their homes to foreclosure or eviction over the coming months.” million borrowers are 90 days behind on payments and an estimated 8.8

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Debt Free Colorado

APRIL 9, 2020

You can work directly with the mortgage lender on a loan modification, or reach out to the Colorado Foreclosure Hotline for free assistance. Either way, you should speak with an experienced debt relief attorney about strategies for dealing with unsecured creditors. What You Need to Know About Student Loans And The Coronavirus Pandemic.

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Troutman Sanders

SEPTEMBER 20, 2021

Our bank and loan servicing clients also face novel challenges affecting their industry due to COVID-19, particularly the ever-changing rules and regulations concerning evictions and foreclosures. For those interested in reading more about the FTC’s statement, click here. You may access this interactive tool at [link].

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