Includes: Model Loan Mod – Deed of Trust States Model Loan Mod – Mortgage States – Non-Judicial Model Loan Mod – Judicial Foreclosure States
Read More about Requirement for Loan Modification Analysis/Loss Mitigation Before Foreclosure
In recent months, a wave of foreclosures has swept millions of American families from their homes. The magnitude of this crisis defies easy comprehension: more than 8 million American families are expected to lose their homes to foreclosure in the next four years. Much has been written about the financial and economic causes of this…
Read More about Foreclosing A Dream: State Laws Deprive Homeowners of Basic Protections
The foreclosure crisis has presented the perfect opportunity for foreclosure rescue scams. These scams come in two main varieties. In the first, a foreclosure “consultant” takes an up front payment and promises to arrange refinancing or postpone the foreclosure, but does nothing and costs the homeowner not only money but critical time. In the second,…
Much attention is now being paid to the expanded use of forced arbitration clauses in employment and consumer contracts, the attendant harms to consumers and employees, and the possibility of federal intervention. Recent media attention has highlighted the harms that arbitration inflicts on Americans every single day. And a flurry of federal activity (both congressional…
Statutes of limitations are laws that limit the length of time available for bringing a lawsuit in court. They are designed to protect “defendants and the courts from having to deal with cases in which the search for truth may be seriously impaired by the loss of evidence, whether by death or disappearance of witnesses,…
Existing law governing repossession of motor vehicles and other personal property leaves consumers vulnerable to the whims of creditors and largely in the dark as to the nature of the process. Secured creditors can, without any court or other government supervision, decide when to repossess the consumer’s property, seize it without notice, and sell it…
Unsafe cars, whether caused by prior wreck or flood damage, or other causes, are a danger to drivers, passengers, and other road users. Serious flood damage to vehicles is a regular and growing occurrence. In 2017, Hurricanes Irma and Harvey flooded almost one million cars in a two week period. And estimates are that about…
Criminal justice debt stemming from fines and fees is disproportionately borne by low-wage workers without job security and people of color. These populations will experience the financial stress caused by the pandemic most acutely. Many will lose jobs and be unable to pay criminal justice debts through no fault of their own.
This white paper provides an overview of the most significant uses of credit reports and credit scores for purposes other than credit underwriting. These non-credit uses include: Employment, Rental housing, Insurance, and others.
Read More about Mission Creep: a Primer on Use of Credit Reports & Scores for Non-Credit Purposes
The collateral consequences of ending up on the wrong side of America’s criminal legal system are increasingly recognized as wide-ranging and harmful. Incarceration or even simply a criminal record can limit nearly every aspect of a person’s life even after their sentence ends, interfering with the ability to keep or get a job and support…
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