Recent Posts in Loan Modification Category
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Posted on Apr 20, 2011 By Deborah A. Carman, Esq.
With Florida foreclosure rates the third highest in the country; many South Florida families have been looking for an opportunity to stay in the home where they've created so many memories. Homeowners ...
Continue reading "Homeowners get the runaround" »
Posted on Apr 14, 2011 By Deborah A. Carman, Esq.
Unlike California, Florida does not have an anti-deficiency law. You may face hundreds of thousands of dollars in debt from a deficiency judgment if you let the bank foreclose or did not get a waiver ...
Continue reading "Foreclosure, Short Sale… you could be faced with thousands of dollars in debt!" »
Posted on Jan 23, 2011 By Deborah A. Carman, Esq.
If you're pouring all of your disposable income ( the amount of income left to an individual after taxes have been paid, available for spending and saving ) into your mortgage secured by a home that's ...
Continue reading "Is it ‘YOUR’ time to Bailout?" »
Posted on Jan 5, 2011 By Deborah A. Carman, Esq.
Although the statewide data was incomplete, it undoubtedly indicates that Florida's Foreclosure Mediation Program has failed. As I anticipated from its inception, the Foreclosure Mediation Program has ...
Continue reading "Florida's Foreclosure Mediation Program produces little results" »
Posted on Jan 1, 2011 By Deborah A. Carman, Esq.
After more than four years of plunging home values hundreds of thousands of Florida homeowners will begin another New Year owing more on their mortgages then their homes are worth. For those of you ...
Continue reading "Foreclosure Crisis will continue through 2011" »
Posted on Dec 29, 2010 By Deborah A. Carman, Esq.
Of course you should. Why would anyone even ask such a question? We are faced with the worst housing market collapse since the Great Depression, 6.92 million U.S. properties are delinquent or in ...
Continue reading "If I’m at risk of losing my home, should I hire an attorney?" »
Posted on Dec 22, 2010 By Admin
Hire a debt relief and foreclosure defense attorney … The ongoing banking crisis is a perfect opportunity to literally engage the bank in a sort of a hand to hand combat. I'm pretty sure we all have ...
Continue reading "It’s a New Year, I’m Underwater, No Modification, now what do I do?" »
Posted on Dec 20, 2010 By Admin
Data released last week clearly indicates that we are on track for yet another million homes being lost to foreclosure in 2011. Although there has been a lot of talk about foreclosure filings ...
Continue reading "An Estimated One-Million Homes Will Be Lost to Foreclosure in 2011, the Time to Act is NOW!" »
Posted on Dec 17, 2010 By Deborah A. Carman, Esq.
As we reported previously the disorganization at banks has caused homeowners to lose their homes while still in the loan modification process… something that's not supposed to happen under the rules ...
Continue reading "Banks Continue to Foreclose on Homeowners Seeking Loan Mods" »
Posted on Dec 8, 2010 By Admin
As more and more individuals and families struggle to make mortgage payments they continue to turn to their bank for help. Most families immediately contact their bank and apply for a loan ...
Continue reading "Trapped in the Loan Modification Maze" »
Posted on Dec 6, 2010 By Deborah A. Carman, Esq.
On Saturday the Palm Beach Post published an article by Kimberly Miller entitled " Bank evicts, then offers Boca Raton couple a loan mod " - one of the many heartbreaking stories of how someone loses ...
Continue reading "Bank evicts, then offers Boca Raton couple a loan modification " »
Posted on Dec 3, 2010 By Admin
FDIC chairman Sheila Blair is calling on Treasury officials to streamline the loan modification process and require write-downs of second mortgages. Junior liens have been a major obstacle to ...
Continue reading "FDIC Chief Blair Pushes for Write-downs on Seconds" »
Posted on Nov 29, 2010 By Admin
Strategic default is a process by which homeowners that can afford to continue making their monthly mortgage payments, make a calculated financial decision to default on their mortgage in order to ...
Continue reading "Strategic Default is increasing for those who have no choice. " »
Posted on Nov 27, 2010 By Admin
If it's not bad enough to lose your home to foreclosure, you may still be liable for the deficiency amount. That's the difference of what's owed on your mortgage loan and what the bank could sell for ...
Continue reading "UNDERWATER? You can get out without a deficiency judgment." »
Posted on Nov 19, 2010 By Admin
Thanks to the efforts of the Carman Law Firm our clients are no longer faced with foreclosure and have received a permanent modification of their mortgage loan. When Palm Beach County homeowners ...
Continue reading "Carman Law Firm Stops Foreclosure Sale and Obtains Permanent Modification for Boca Raton Homeowners" »
Posted on Nov 18, 2010 By Deborah A. Carman, Esq.
I continue to hear the horror stories every day from homeowners spending more than a year, that's right more than a year, trying to have their mortgages modified. They are faced with stall tactics by ...
Continue reading "HAMP and the Horror Stories" »
Posted on Nov 4, 2010 By Admin
Before hiring the Carman Law Firm to defend a foreclosure law suit filed against their Palm Beach County home, our client all but begged Sun Trust Mortgage to modify their mortgage. The client did ...
Continue reading "Carman Law Firm, P.A. settles Sun Trust Foreclosure Case" »
Posted on Nov 2, 2010 By Admin
"Many homeowners end up facing foreclosure solely on the basis of the arrears accumulated during a trial modification," said Julia Gordon , senior policy counsel at the Center for Responsible Lending, ...
Continue reading "Mortgage Modification Forcing Borrowers into Foreclosure" »
Posted on Oct 27, 2010 By Admin
Are you a homeowner who's struggling to pay your mortgage and not getting any help from your lender? Are you seeking a loan modification through the government program, HAMP, with no success? Are you ...
Continue reading "Tell Us Your Story" »
Posted on Sep 6, 2010 By Admin
Homeowners associations are moving to foreclose on properties in an effort to force banks to take possession and pay homeowner's fees. Homeowners associations are often much more aggressive than banks ...
Continue reading "Homeowners facing foreclosure should stay current on Homeowners Associations dues" »
Posted on Sep 2, 2010 By Admin
A rising number of commercial property owners are among a new wave of property owners seeking to avoid foreclosure. Hiring an experienced foreclosure defense attorney is the first step for a business ...
Continue reading "Foreclosure help available for commercial property owners" »
Posted on Sep 1, 2010 By Admin
It's this sort of conduct by lenders such as American Home Mortgage that requires the assistance of an experienced Florida foreclosure defense and real estate attorney . Texas Attorney General Greg ...
Continue reading "American Home Mortgage Charged with Violating Debt Collection Laws" »
Posted on Aug 24, 2010 By Admin
A recent article in the New York Times reported on how the rich, from Miami to Beverly Hills, are surrendering their homes to foreclosure and simply walking away from what they view as a bad ...
Continue reading "Consulting with an attorney is the best option " »
Posted on Aug 23, 2010 By DEBORAH A. CARMAN, ESQ
On Friday, one of the stories making national news was how 401(k) withdrawals have increased drastically . As the article reflects, the main reason for the increases is that people are withdrawing ...
Continue reading "Are you thinking of withdrawing from your 401(k) account to pay your mortgage?" »
Posted on Aug 3, 2010 By Admin
We are extremely happy to announce that the Carman Law Firm was granted one of the exclusive licenses for law firms to use the report generated by the REST software system to provide homeowners with ...
Continue reading "Carman Law Firm, P.A. is Granted a License to a Loan Disposition analysis system that, in various forms, is used by major banks " »
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