Author Archive
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Feb 26, 2010 in Uncategorized | 0 Comments
You can still get the tax credit for buying a new home, but time is running out. The much heralded tax credit for new home buyers was extended in November 2009. The tax credit is available to both first-time home buyers and homeowners who have owned their home for five years.
First-time homeowners will receive an [...]
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Jan 31, 2010 in Mortgage Issues In Bankruptcy, Mortgage Modification, Uncategorized | 0 Comments
If you are lucky enough to get your mortgage company to offer a meaningful modification of your mortgage while you are in a Chapter 13, you probably can get the Trustee and the Court to agree to allow it. There are a number of issues, however, that need to be addressed.
Before modifying your mortgage you [...]
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Jan 31, 2010 in Uncategorized | 0 Comments
Mortgage companies often fail to discharge a mortgage, even in the face of a Court order directing them to do so.
When you file a Chapter 13 bankruptcy, you often can get rid of your second mortgage if the balance of the first mortgage is greater than your home’s value. If this is the case, the [...]
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Jan 29, 2010 in Mortgage Issues In Bankruptcy, Uncategorized | 0 Comments
In parts 1, 2 and 3 we discussed how mortgage companies often engage in “double dipping”, how they often fail to send you monthly statements, and they ways in which they misapply monthly mortgage payments during your Chapter 13 case. Part 4 discusses how a mortgage company can force a homeowner to add escrow to [...]
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Jan 28, 2010 in Mortgage Issues In Bankruptcy, Uncategorized | 0 Comments
In Part 1, we discussed how mortgage companies often engage in “double dipping” when you are in a Chapter 13. Part 2 dealt with how mortgage companies commonly fail to send you a monthly statement while you are in a Chapter 13 bankruptcy. Part 3 addresses the ways in which mortgage companies often misapply monthly [...]
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Jan 27, 2010 in Uncategorized | 0 Comments
In Part 1 we discussed how mortgage companies often engage in “double dipping” when you are in a Chapter 13. Part 2 deals with how mortgage companies commonly fail to send you a monthly statement while you are in a chapter 13 bankruptcy.
In many parts of the country, when you file a Chapter 13, you continue to make your [...]
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Jan 25, 2010 in Mortgage Issues, Mortgage Issues In Bankruptcy, Uncategorized | 0 Comments
Mortgage companies are well known for having numerous and continuous problems keeping a proper accounting of the mortgages they hold. This is particularly true in the context of a Chapter 13 case where the mortgage company is paid by the Chapter 13 Trustee for the pre-petition arrears, and by the homeowner for the ongoing post-petition monthly mortgage payments. [...]
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Aug 31, 2009 in Crime, Foreclosure News, Foreclosure Rescue Scams | 0 Comments
When your mortgage company begins the foreclosure process, they file what is called a “lis pendens” (Latin for “lawsuit pending”) with the county clerk’s office. This puts the public on notice that they are intending to foreclose on your home. In many areas of the country, you will start receiving mail from a variety of people [...]
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Aug 18, 2009 in Mortgage Issues In Bankruptcy, Mortgage Modification | 0 Comments
meaningful mortgage modification in Chapter 13
homeowners will be losing their homes
keep your home
By Peter Orville, New York Consumer Attorney
closeAuthor: Peter Orville, New York Consumer Attorney
Name: Peter Orville
Email: peteropc@pronetisp.net
Site: http://www.peterorville.com
About: See Authors Posts (17) on Jun 30, 2009 in Featured, Mortgage Issues | 0 Comments
Once you have paid off your mortgage in full, the mortgage company is under an obligation, at least in New York State, to discharge your mortgage within thirty days. Unless you request otherwise, the mortgage company should present a satisfaction of mortgage to the county clerk’s office for recording within thirty days.
Your mortgage company is [...]