Current Options to Lower Mortgage Payments
This article, the second in the series that deals with home mortgages, details options to lowering or delaying mortgage payments for Fannie Mae, Freddie Mac, FHA, VA, and RHS mortgages.
All
-
-
What Every Homeowner Should Know About Mortgage Payments
Mortgage problems tend to have a snowballing effect if not resolved quickly. This article covers how to obtain information about your mortgage payments, what happens if you make only a partial payment, disputing the amount due, and key information about escrow, property taxes, and insurance.
Read More about What Every Homeowner Should Know About Mortgage Payments
-
Criminal Justice Debt: Consumer Debt Advice from NCLC
Widespread criminal justice debt—arising from fines, fees, costs, and more—has an outsized impact on consumers, including millions of drivers losing their licenses, seizure of income and assets, and even incarceration. This article provides advice on limiting these consequences and asserting rights against collection of criminal justice debt.
Read More about Criminal Justice Debt: Consumer Debt Advice from NCLC
-
Consumer Advice: Dealing with Debt Collectors After New Reg. F
Advice to consumers in dealing with debt collectors, taking into consideration new consumer rights and new consumer risks flowing from federal rules that just went into effect on November 30, 2021. This article provides nine ways to stop debt harassment, with sample letters; explains the limits of what collectors can really do; and lists illegal debt…
Read More about Consumer Advice: Dealing with Debt Collectors After New Reg. F
-
Wage Garnishment and Bank Account Seizures
Creditors and debt buyers bring millions of collection lawsuits which usually result in a court judgment for the creditor or debt buyer. This article focuses on consumer rights and strategies to deal with your civil court judgment debt.
-
Motor Vehicle Repossessions
The focus of this article is on motor vehicle repossession including limits on self-help repossessions, ten strategies to prevent repossessions, six steps to take after your car is repossessed, and advice on responding to the creditor’s demand for additional payment even after the repossession.
-
A Reverse Mortgage Primer
This article provides guidance for consumers on who should consider a reverse mortgage, how it works, foreclosure risks, impacts on spouses, partners, and heirs, and whether it is advisable.
-
Digital Library: Practice Implications of Fifth Circuit Ruling That CFPB Funding Unconstitutional
The substantive decision that the CFPB’s independent funding mechanism violates the Appropriations Clause is radical and unprecedented. But even more extreme is the decision that the remedy for this unconstitutional funding mechanism is that the CFPB’s Payday Lending Rule must be found invalid because it was promulgated using unconstitutional funding.
-
Free Chapter: Homeowner Rights During Natural Disasters
Chapter 12 of Mortgage Servicing and Loan Modifications covers common legal issues that arise in the context of natural disasters and is free to all for a limited time.
Read More about Free Chapter: Homeowner Rights During Natural Disasters
-
Consumer Advice: Dealing with Debt Collectors—Including the New Federal Rules
This article provides advice to consumers in dealing with debt collectors. The article is based on an updated chapter in NCLC’s Surviving Debt. The advice now considers new consumer rights and new consumer risks flowing from federal rules that just went into effect on November 30, 2021. For more detail on these rules (the Consumer…
Read More about Consumer Advice: Dealing with Debt Collectors—Including the New Federal Rules
-
Getting Money Back for Scammed Consumers
This article explains consumers’ legal remedies and options, which vary depending on the method used for the consumer’s payment.
Support NCLC
Please support NCLC's work to advance consumer rights and economic justice with a tax-deductible contribution today!
Donate