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Advocates representing widows or widowers that were left off of a reverse mortgage loan taken out by their spouses have been struggling to keep foreclosure at bay. While the Plunkett litigation is ongoing, HUD has long promised a solution addressing this issue for all non-borrowing spouses. With the issuance of Mortgagee Letter 2015-03, it is clear that for most surviving spouses, HUD is extending only the "Mortgagee Optional Election," wherein the mortgage servicer may assign the mortgage to HUD only if the spouse passes the Principal Limit Factor test. However, surviving spouses who have obtained a court order declaring the HUD regulation invalid as to them have been offered the alternative "Hold Election," where the servicer can delay foreclosure indefinitely and then assign the loan to HUD when it reaches 98% of the Maximum Claim Amount. This alternative does not require a spouse to pass the Principal Limit Factor test. Hear from attorneys who are litigating these cases about crafting pleadings, litigation strategy, and opportunities to resolve these cases in a way that keeps widows in their homes. We will also explain how to calculate the Principal Limit Factor test in order to determine whether the Mortgagee Optional Election is a viable option for your client.

Presenters: Sarah Bolling Mancini (National Consumer Law Center), Odette Williamson (National Consumer Law Center), Rachel Scott (Atlanta Legal Aid Society, Inc.)

Additional sponsorship for this Webinar is provided by a grant from the Administration on Aging/Administration for Community Living. This webinar is part of a series of National Elder Rights Training Project webinars for the National Legal Resource Center.

There is no charge for this webinar.
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If you have any questions email trainings@nclc.org
Event Date 03-19-2015 2:00 pm
Event End Date 03-19-2015 4:00 pm
This webinar will present an overview of the long-awaited IRS final regulations governing financial assistance and collection policies of nonprofit hospitals. The regulations require nonprofit hospitals to have written financial assistance policies; regulate debt collection by nonprofit hospitals and third party agencies; and prohibit the imposition of "chargemaster" rates to patients eligible for financial assistance. Find out how to use the regulations to help clients who owe medical debts to nonprofit hospitals and protect them from lawsuits, liens, and credit reporting damage. The webinar will also review the voluntary best practices on medical account resolution issued by the Healthcare Financial Management Association.

Presenters: Jessica Curtis (Senior Advisor, Hospital Accountability Project, Community Catalyst); Mark Rukavina (Principal, Community Health Advisors, LLC); Chad Mulvany (Director of Healthcare Finance Policy, Strategy and Development, Healthcare Financial Management Association)

Additional sponsorship for this Webinar is provided by a grant from the Administration on Aging/Administration for Community Living. This webinar is part of a series of National Elder Rights Training Project webinars for the National Legal Resource Center.

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Event Date 03-04-2015 2:00 pm
Event End Date 03-04-2015 3:00 pm
Confidentiality issues in mortgage litigation arise frequently. From the early stages of discovery through final settlements, lenders and servicers routinely ask practitioners and clients to keep secrets. But, do these requests go too far? Does the servicer's protective order sweep to broadly? Are you putting yourself and your client at risk when you agree to confidential settlements? Are court records or trial exhibits being sealed from public view? This webinar will cover these questions and more as we look at limiting confidentiality in foreclosure defense litigation.

Presenters: Jennifer Wagner, Mountain State Justice; Leslie Bailey, Sarah Belton, Public Justice

Housing advocacy center, the National Housing Law Project, and its project partners, Western Center on Law & Poverty, the National Consumer Law Center, and Tenants Together (the HBOR Collaborative) provide free assistance to CA consumer attorneys on the state's new Homeowner Bill of Rights (HBOR) and other state and federal foreclosure-related laws. The HBOR Collaborative's free services include education, advocacy, technical assistance, litigation support, a listserv for attorneys, and extensive web-based attorney resources.

The HBOR Collaborative also provides internet webinars and live trainings in areas throughout CA. Past webinar materials are archived on our website. To learn more about CA HBOR, access HBOR resource materials, and to register for this and any future trainings, consumer attorneys should go to http://calhbor.org/. Consumer attorneys can also contact HBOR collaborative staff for individual assistance with questions and cases via our webpage.

The HBOR Collaborative and its services, including this free training for attorneys, are funded by a grant from the Office of the Attorney General of California from the National Mortgage Settlement to assist CA consumers.

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Event Date 02-25-2015 3:00 pm
Event End Date 02-25-2015 5:00 pm
Discuss strategies and best practices for preventing and advocating for residents facing involuntary discharge from a nursing home. Consider how those strategies, best practices change/stay the same if the resident is in assisted living. Review best practices for supporting residents and families, identifying legal support, appealing discharge notices, and more.

Presenters: Eric Carlson, Co-Directing Attorney, National Senior Citizens Law Center, Mary Ann Parker, Attorney, DC Long-Term Care Ombudsman Program and Lori Smetanka, Director, National Long-Term Care Ombudsman Resource Center

Additional sponsorship for this Webinar is provided by a grant from the Administration on Aging/Administration for Community Living. This webinar is part of a series of National Elder Rights Training Project webinars for the National Legal Resource Center.

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Event Date 02-11-2015 2:00 pm
Event End Date 02-11-2015 3:00 pm
This webinar will discuss the levying and collection of unfair fees and fines by municipalities and their courts. According to The New York Times, unjust municipal fee and fine practices were one of the “simmering” issues underlying tensions in Ferguson, Missouri following the killing of unarmed black teenager Michael Brown by a Ferguson police officer. According to The Times, “Young black men in Ferguson and surrounding cities routinely find themselves passed from jail to jail as they are picked up on warrants for unpaid fines.” The webinar will present an overview of the causes and pervasiveness of the problem, and impact on the community, both in Missouri and around the nation. The webinar will also discuss steps to address the problem, including policy advocacy and litigation.

Presenters: Karin Martin, Ph.D. (Assistant Professor at John Jay College of Criminal Justice at CUNY) ; Thomas Harvey (Executive Director, Arch City); Odette Williamson (Staff Attorney, National Consumer Law Center) ; David Seligman (Staff Attorney, National Consumer Law Center) ; Charles Lowery, Jr. (Director, Fair Lending and Inclusion, NAACP Financial Freedom Center)

This webinar is part of a series on "Rebuilding Wealth and Economic Opportunity in Communities of Color" sponsored by NCLC’s initiative on Racial Justice & Equal Economic Opportunity. Visit:http://www.nclc.org/issues/racial-justice.html.

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Event Date 01-29-2015 2:00 pm
Event End Date 01-29-2015 3:00 pm
Since the turn of the century, the majority of residential loans have been securitized with the mortgage loans being transferred numerous time as they move through the securitization process. This session will delve into the Uniform Commercial Code--articles 1, 3 and 9--to figure out whether loans were properly transferred between parties and who really owns the note.

Presenters: Tara Twomey (National Consumer Law Center)

This webinar is made possible by the Arizona Attorney General's Office with funding from the National Mortgage Settlement.

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Event Date 01-22-2015 12:30 pm
Event End Date 01-22-2015 1:30 pm
Increasing national focus on elder abuse and a push for greater legal services involvement, particularly in the area of financial exploitation, have led to a number of difficult ethical challenges. This webinar will examine: Ways in which ageist attitudes have shaped states' elder abuse laws and how these attitudes – often unconscious – affect our approach to elder abuse, especially when clients are of questionable capacity; The critical need to establish and put in place, clear policies/protocols to guide involvement in abuse/exploitation cases and to ensure adherence to professional responsibilities, before legal programs get involved; and applying the policies/protocols and dealing with ethical challenges while working with elders and their families/third parties in the field.

Presenters: Penny Hommel, Co-Director, The Center for Social Gerontology, Jaye Martin, Executive Director, Maine Legal Services for the Elderly and Denis Culley, Staff Attorney, Maine Legal Services for the Elderly

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Event Date 01-14-2015 2:00 pm
Event End Date 01-14-2015 3:00 pm
Bankruptcy is one of the most effective tools for preventing foreclosure. From the automatic stay to the ability to cure mortgage arrears, bankruptcy can help save homes. But the power of bankruptcy goes beyond these two critical provisions. Any advocate working to preserve homeownership needs to know what bankruptcy can and cannot do for clients in financial distress. We will highlight the various ways in which bankruptcy can help clients keep their homes.

Presenters: Sarah Bolling Mancini and Tara Twomey, National Consumer Law Center

San Francisco-based housing advocacy center, the National Housing Law Project (NHLP), and its project partners, Western Center on Law & Poverty, the National Consumer Law Center, and Tenants Together (the HBOR Collaborative) provide free assistance to California consumer attorneys on the state's new Homeowner Bill of Rights (HBOR) and other state and federal foreclosure-related laws. The HBOR Collaborative's free services include education, advocacy, technical assistance, litigation support, a listserv for attorneys, and extensive web-based attorney resources.

The HBOR Collaborative also provides internet webinars and live trainings in areas throughout California. Past webinar materials are archived on our website. To learn more about California HBOR, access HBOR resource materials, and to register for this and any future trainings, consumer attorneys should go to http://calhbor.org/.

Consumer attorneys can also contact HBOR collaborative staff for individual assistance with questions and cases via our webpage,http://calhbor.org/.

The HBOR Collaborative and its services, including this free training for attorneys, are funded by a grant from the Office of the Attorney General of California from the National Mortgage Settlement to assist CA consumers.

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Event Date 01-13-2015 3:00 pm
Event End Date 01-13-2015 4:00 pm
After a death in the family or a divorce, financial hardship often follows. The heir or ex-spouse trying to save the home from foreclosure may not have been an original borrower on the mortgage loan. Mortgage servicers sometimes refuse to provide any information or claim that such a non-borrower cannot apply for a loan modification. This webinar will cover the law surrounding loan assumption and modification and specific rules from Fannie, Freddie, HAMP, and FHA that may help. We will provide advocacy tips and also discuss litigation strategies.

Presenters: Sarah Bolling Mancini, Of Counsel, National Consumer Law Center

Additional sponsorship for this Webinar is provided by a grant from the Administration on Aging/Administration for Community Living. This webinar is part of a series of National Elder Rights Training Project webinars for the National Legal Resource Center.

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Event Date 12-10-2014 2:00 pm
Event End Date 12-10-2014 3:00 pm
Medley of Mortgage Issues: In this webinar, our presenters will provide updates on various mortgage-related programs including FHA loss mitigation, new reverse mortgage rules, the applicability of the ATR rule for successors in interest, deficiency judgments, and an overview of the latest mortgage servicing rules proposed by the CFPB.

Presenters: Geoff Walsh and Odette Williamson, National Consumer Law Center. Moderated by Tara Twomey, National Consumer Law Center.

This Webinar is provided by the National Consumer Law Center and the Legal Assistance Foundation (LAF) of Chicago with a grant from the Office of the Illinois Attorney General.

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Event Date 12-08-2014 3:00 pm
Event End Date 12-08-2014 4:00 pm