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NCLC advocates for modernization of antiquated state foreclosure laws that push homeowners into complicated legal proceedings that lack basic protections.
Improved state laws can benefit homeowners and communities.
Improved state laws can benefit homeowners and communities.
State Foreclosure Newsletter
NCLC Reports, Bankruptcy and Foreclosures EditionState Foreclosure Other Resources
ToolsFDIC Net Present Value (NPV) Calculator An NPV calculation may assist in evaluating the costs of loan modification compared to foreclosure.
Webinar
Methods for Studying Residential Foreclosure Diversion Processes – a Philadelphia Case Study Presentation and Recording by Honorable Annette M. Rizzo, Ira Goldstein (TRF), Geoff Walsh (NCLC); March 22, 2011
Summary of Programs
Summary of Mediation Programs (supervised)
Summary of Mediation Programs (unsupervised)Model Documents
Model Foreclosure Mediation/Diversion Statute (Judicial Foreclosure State)Model Foreclosure Mediation/Diversion Statute (Non Judicial Foreclosure State)
Model Statute: Requirement for Loan Modification Analysis/Loss Mitigation Before Foreclosure
Memorandum on Federal and State Constitutional Issues Related to Foreclosure Mediation/Diversion
Model Form for Summary Data of Loan Modifications from Mediations/Conference
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