//Foreclosures and Mortgages

Covid-19 State Foreclosure Moratoriums and Stays

State Covid-19 related housing actions, June 2, 2020 The following are summaries of actions certain states have taken in response to the Covid-19 crisis to limit home foreclosures. The list may not be complete, as state and local governments continue to adopt new emergency measures at a fast pace. Consumers and their advocates should carefully [...]

Covid-19 State Foreclosure Moratoriums and Stays2020-06-03T14:19:55-05:00

Court Decisions

Connecticut Orders Indiana Cases Maine Orders Nevada Leyva CaseHerediabonnnet CaseHolt CasePasillas Case New York Orders

Court Decisions2019-03-08T07:55:35-05:00

Rebuilding America

How States Can Save Millions of Homes Through Foreclosure Mediation The evidence is in: Foreclosure mediation programs are a proven, inexpensive tool to help keep paying borrowers in their homes while saving communities and investors billions of dollars. Published February 6, 2012©National Consumer Law Center Download the Full Report (PDF) Dowload the Executive [...]

Rebuilding America2019-03-07T10:57:18-05:00

General Mortgage Servicing Policy Analysis

Testimony and Comments Letter from Coalition Regarding Standards for Attorney General and Federal Agency Settlement with Mortgage Servicers, August 24, 2011 Comments on Credit Risk Retention by National Consumer Law Center and National Association of Consumer Advocates to the U.S. Department of Treasury, August 1, 2011 Bank Agency Settlement Statements Make No Meaningful Progress Towards [...]

General Mortgage Servicing Policy Analysis2019-04-17T12:30:09-05:00

HAMP Policy Analysis

Analysis and Recommendations No Hope for Homeowners: The Administration’s Home Affordable Unemployment Program Hurts the Unemployed, July 2010 Home Affordable Modification Program: Borrower Notices Fall Short, November 2009 Archive+ Policy Briefs, Reports and Press Releases Report: At A Crossroads: Lessons from the Home Affordable Modification Program (HAMP), Jan. 2013 Statement re: IRS Tax Treatment for [...]

HAMP Policy Analysis2019-08-29T10:06:00-05:00

HAMP and Other Loan Modification Programs

Administrative Guidance Handbook Supplemental Directives Common FAQs Conversion FAQs HAMP Borrower FAQs HAMP General Administration HAMP Summary for Judges (July 2011) Progress Reports from Treasury 2010 Servicer Performance Reports and Press Releases Reports COP Reports SIGTARP GAO Reports HAMP Policy Analysis Testimony,  Reports,  Recommendations, and Press Releases Decisions Recent Trial Court Decisions on HAMP Enforceability [...]

HAMP and Other Loan Modification Programs2019-03-08T07:58:49-05:00

Foreclosure Mediation Programs

State Mediation Programs Summaries: -  Supervised Programs -  Unupervised Programs State Programs 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 [...]

Foreclosure Mediation Programs2019-03-07T12:18:13-05:00