Author Archive
By Eugene S. Melchionne, Connecticut Consumer Lawyer
closeAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on Dec 7, 2009 in Foreclosure News, Mortgage Modification | 0 Comments
The US Treasury Department announced today that it recovered $200 Billion of the $700 Billion bailout for financial institutions. Despite popular belief, the Bailout was not a free handout. The money came with strings and the banks want out from under the TARP.
A number of banks have already paid TARP money back. One of the [...]
By Eugene S. Melchionne, Connecticut Consumer LawyercloseAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on Nov 30, 2009 in Foreclosure Defense, Foreclosure Process | 0 Comments
Foreclosures in Connecticut are unlike foreclosures in 48 other states. (Connecticut and Vermont share this weirdness.) In most cases, a foreclosure does not result in an auction. Usually, the lender will just come to own your property without an auction. (Read Part 1 to find out what the first steps are.)
So if there is no foreclosure [...]
By Eugene S. Melchionne, Connecticut Consumer LawyercloseAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on Nov 29, 2009 in Foreclosure Defense, Foreclosure Process | 0 Comments
Foreclosures in Connecticut are unlike foreclosures in 48 other states. (Connecticut and Vermont share this weirdness.) In most cases, a foreclosure does not result in an auction. Usually, the lender will just come to own your property without an auction. How does that happen? Read on.
Connecticut is a Title Theory state. That means that every time [...]
By Eugene S. Melchionne, Connecticut Consumer LawyercloseAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on Nov 28, 2009 in Foreclosure Process, Mortgage Modification | 0 Comments
This week, Connecticut Governor Jodi Rell issued a press release touting the success of the foreclosure mediation program in the state. She claimed a 75% success rate in mediating foreclosure cases with 2721 cases where the homeowners retained their home. You know the saying, “There are lies, damn lies and then there are statistics“? Well here [...]
By Eugene S. Melchionne, Connecticut Consumer LawyercloseAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on Nov 27, 2009 in Foreclosure Rescue Scams, Mortgage Modification | 0 Comments
How many times have you heard, “If it sounds too good to be true, it probably is”? With the push to save homes through mortgage modification, more companies are promising results that they cannot deliver.
Twice in this last week, I have had potential clients come to me looking for help with mortgage modifications. Each of [...]
By Eugene S. Melchionne, Connecticut Consumer LawyercloseAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on Nov 26, 2009 in Foreclosure Defense, Foreclosure News, Foreclosure Process | 0 Comments
A Connecticut Superior Court Judge recently decided that mortgage company can be made to answer for the sins of the original lender in a foreclosure action. Consumers now have a new tool in their fight against mortgage lender fraud.
Defenses to foreclosure actions in Connecticut traditionally have been severely limited. You had to allege payment, release [...]
By Eugene S. Melchionne, Connecticut Consumer LawyercloseAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on Sep 27, 2009 in Foreclosure News, Foreclosure Process | 0 Comments
Following up on an investigation of Connecticut Marshals who serve foreclosure papers on homeowners, Attorney General Richard Blumenthal found that certain practices regarding billing of fees were prohibited by Connecticut law. Blumenthal found that state statutes limit marshals’ fees for serving foreclosure papers to $30 and prohibits them from charging a separate and additional fee [...]
By Eugene S. Melchionne, Connecticut Consumer LawyercloseAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on Jun 10, 2009 in Foreclosure Defense, Foreclosure News, Foreclosure Process | 0 Comments
Effective July 1, 2009 and continuing at least until June 30, 2010, all new foreclosure actions filed in the State of Connecticut must pass through the foreclosure mediation program. Initially established last year by the General Assembly, the mediation process was voluntary and slowly gained success as the program matured. Until July 1st, homeowners must [...]
By Eugene S. Melchionne, Connecticut Consumer LawyercloseAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on Jun 9, 2009 in Foreclosure News | 0 Comments
Connecticut’s Attorney General, Richard Blumenthal, is continuing to press his investigation of three law firms who appear to file more than 90% of all the foreclosures in the state. Together, the law firms file more than 2,000 foreclosures per month in Connecticut. Last year, the Hartford Courant reported that one state marhsall who served papers [...]
By Eugene S. Melchionne, Connecticut Consumer LawyercloseAuthor: Eugene S. Melchionne, Connecticut Consumer Lawyer
Name: Eugene S. Melchionne, Connecticut Consumer Lawyer
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (BA 1977) and Drake University School of Law (JD 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr. Melchionne was appointed to the Commission on Mortgage Foreclosures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Connecticut Courts in foreclosure cases.
Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was the Vice President of the Waterbury Credit Bureau and was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office.
Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as liaison between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (38) on May 28, 2009 in Foreclosure Defense, Foreclosure Process, Uncategorized | 0 Comments
Connecticut is a Judicial foreclosure state meaning that a foreclosure must take place in the context of a court proceeding. It is also one of only two states that recognizes the old English rule of Strict Foreclosure. Despite the setting of a court proceeding, Connecticut Rules of Practice (civil procedure rules) limit defenses in a [...]
