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During the foreclosure crisis of 2008, mortgage servicers used every kind of trick to avoid giving borrowers a modification. Faxes and applications would be lost, “packets” would have to be redone and resubmitted and promises were never put in writing. After enough delays, or failed modifications and resubmissions, a borrowers’ default would become so great that no mortgage assistance would ...

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Start by imagining you are a general fighting a war and your troops are hungry and tired. You ask the general from the opposing side, whose troops are well fed and rested, for a time out. “Please,” you say. “It’s not fair.” What do you imagine the answer might be?

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As stated in Part I, if you have stopped paying your mortgage during the pandemic you will fall into one of two categories. The first group of you, which will be an extremely small group, will have received a written forbearance agreement from your mortgage servicer which will allow you to miss six months to a year of payments and ...

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This story came from Ms. S., a visitor to one of our free Saturday consultations. Ms. S. makes her monthly mortgage payments to servicer BSI, which is short for Banca della Svizzera Italiana, the oldest bank in the Swiss canton of T.

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The battle between David and Goliath started as a war between two armies, the Philistines and the Israelites in the valley of Elah in Palestine.

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A NOTICE OF DEFAULT is the first step in the foreclosure process and must be served on you by certified mail or posted on your property according to California statute.

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“The California Homeowner Bill of Rights” was signed into law on July 12, 2012 by California Governor Jerry Brown to address the widespread negligence and fraud by Loan Servicers required by law to modify homeowners’ loans.

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