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If you are refinancing or modifying your loan, then I recommend doing what you can to ensure that it is assumable.  An assumable loan means someone else can acquire your mortgage (and make payments on it) when you sell the home.  Assumable loan clauses are standard in VA and FHA mortgages, so if you are considering making a change, take a very close look at those programs.  Wh

I have discovered that some law firms that handle large numbers of foreclosures do not litigate files when pressed with counterclaims or slightly complex litigation (when depositions are noticed).  Instead, the initial firm is only there to file the foreclosure and obtain a default judgment.  The firms work only with the lender's loss mitigation departments, and not

  The short answer is no, not without your permission or a judicial order. The Electronic Funds Transfers Act (EFTA) in the Consumer Credit Protection Act (CCPA), codified at 15 USC 1693a, et seq., governs electronic fund transfers to and from accounts.  It’s a very short Act, with the juicy provisions located towards the end of the chapter. In particular, 15 U

Troy Doucet, author of 23 Legal Defenses to Foreclosure, cautions homeowners against a new foreclosure scam that requires a transfer of ownership in the home as part of the scam.  Transferring ownership can end significant legal defenses the homeowner could have otherwise raised in foreclosure, like those available under the Truth in Lending Act.  The Scam  The scam center