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Blog Posts in 2010

ONLY A FOOL PAYS THE MORTGAGE!

Not too many years ago, this headline would have sounded ridiculous. However, such sentiment seems to be gaining traction outside of the fringe anarchist groups that would normally espouse such ...
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Homeowners Need More Advocates

A writer by the name of Martin Andelman has a blog called Mandelman Matters. He has written somewhere around three-hundred articles on subjects related to the foreclosure crisis. His analysis is often ...
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IS NOT PAYING YOUR MORTGAGE WRONG?

Many people are talking about strategic defaults. If you don't know what a strategic default is, it's when a homeowner can afford the mortgage but the home's value is so far below the amount owed on ...
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BANKRUPTCY 2010 – CAN MY BUSINESS BE SAVED?

Many of us hoped that 2010 would start an economic turnaround that would enable individuals and businesses to keep their heads above water and avoid bankruptcy. While some pockets of the economy show ...
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YOU ABSOLUTELY CAN’T DISCHARGE TAXES IN BANKRUPTCY! OR CAN YOU?

In today's exceptionally hard economic times nearly everyone has thought about bankruptcy, even those with no intention of filing. We all have at least one friend or acquaintance who has filed ...
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LOAN MODIFICATION SCAMS

You don't need to read this Newsletter to learn that, over the last two years, many California homeowners have fallen victim to loan modification scams and foreclosure rescue scams. Predators see ...
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WHEN COUPLES DIVORCE, WHO HAS TO KEEP THE HOUSE?

The major battles for divorcing couples used to be custody of children and possession of community assets. That was the rule for as long as people remember. However, in today's economy, the only ...
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CREDIT SCORES – WHY SHOULD YOU CARE?

For the last decade the media has pounded into the heads of American consumers that having a high credit score is the key to financial success. It should come as no surprise that the funding for all ...
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WHEN IS A SHORT SALE BENEFICIAL?

As was covered in another F&M's post, in California purchase money loans on primary residences are considered non-recourse which means that in certain instances, the only thing a lender can do to ...
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MEDICAL MALPRACTICE – SHOULD YOU GET SECOND OPINIONS?

With regard to potential case evaluation, law is as much about opinion as it is about facts. The good medical malpractice case will have substantial injury as a result of medical services done below ...
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POST FORECLOSURE LIABILITY – WILL MORTGAGE LENDERS GO AFTER BORROWERS?

Despite the record numbers of California homeowners losing their upside down homes due to foreclosures and short sales, there is a lack of accurate information about what happens when a home is lost ...
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SUING YOUR LENDER

First, it should be noted that lawsuits are not fun. The process is costly and consuming. For this reason alone, only cases that have merit and a likely payoff should be brought. Not only is this a ...
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WHAT IS A LIVING TRUST?

Upon death a person's property is distributed according to whether the property is classified as probate or non-probate. Generally, non-probate property includes property owned by joint tenancy, life ...
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WHAT IS MEDICAL MALPRACTICE?

"Medical malpractice" refers to actions for personal injury against a healthcare provider based on professional negligence. The term is most often used to apply to law suits brought by patients ...
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