By Andy Miofsky, Illinois Consumer Law Attorney
closeAuthor: Andy Miofsky, Illinois Consumer Law Attorney
Name: Andy Miofsky, Illinois Consumer Law Attorney
Email: ndinstl@gmail.com
Site:
About: See Authors Posts (6) on Jul 2, 2008 in Mortgage Issues, Mortgage Issues In Bankruptcy, Mortgage Servicer Abuses, mortgage reform, predatory lending, respa | 0 Comments
The National Association of Consumer Advocates (NACA) will conduct a Mortgage Lending Litigation Conference on September 5th, 2008 in Cleveland OH. The program is restricted to NACA members, however, qualified candidates who are members of the National Association of Consumer Bankruptcy Attorneys can submit an application for membership to the NACA board of directors.
Ohio courts [...]
By Eugene S. Melchionne, Connecticut Consumer Attorney
closeAuthor: Eugene S. Melchionne, Connecticut Consumer Attorney
Name: Eugene S. Melchionne, Connecticut Consumer Attorney
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (B.A. 1977) and Drake University School of Law (J.D. 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr.Melchionne was appointed to the Commission on Mortgage Foreclsoures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Conencticut Courts in foreclousure 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 liasion between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (16) on May 31, 2008 in Mortgage Issues, predatory lending, respa | 2 Comments
When you borrow money against a home you already own, the Federal government is there trying to help you avoid making a serious or costly mistake. The Federal Truth In Lending Act (in effect since 1979) requires that you receive a three business day “cooling off” period after you sign the mortgage papers to decide [...]
By Wendell Sherk, Missouri Attorney
closeAuthor: Wendell Sherk, Missouri Attorney
Name: Wendell Sherk
Email: wjsherk@alum.wustl.edu
Site: http://www.stlbankruptcy.com
About: I have been a consumer attorney since 1989. Our firm represents consumers almost exclusively, primarily but not exclusively in bankruptcy court. My partner and I have each represented bankruptcy trustees as well as creditors. If you live in Eastern Missouri, visit our website, send an e-mail or give us a call (314) 781-3400. Please mention Mortgage Law Network.See Authors Posts (7) on May 30, 2008 in Mortgage Issues, predatory lending, respa, yield spread premium | 1 Comment
Mortgage brokers tend to charge more to place a loan than you would have to pay if you went directly to the lender, according to a recent HUD Study. This is not a surprise to consumer advocates but it tends to contradict the story told by mortgage brokers and their lobbyists. There’s a [...]
By Eugene S. Melchionne, Connecticut Consumer AttorneycloseAuthor: Eugene S. Melchionne, Connecticut Consumer Attorney
Name: Eugene S. Melchionne, Connecticut Consumer Attorney
Email: eugene.melchionne@bankruptcylawnetwork.com
Site: http://www.ctbankruptcy.com
About: Mr. Melchionne is a graduate of The University of Connecticut (B.A. 1977) and Drake University School of Law (J.D. 1980) where he received the American Jurisprudence Award for academic excellence. Most recently, Mr.Melchionne was appointed to the Commission on Mortgage Foreclsoures by Connecticut Supreme Court Chief Justice Chase Rogers to recommend changes to procedures to protect consumers in the Conencticut Courts in foreclousure 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 liasion between the national organization and Connecticut attorneys who are members of the Association.See Authors Posts (16) on May 11, 2008 in Featured, respa, service yield premium, yield spread premium | 0 Comments
When shopping for a mortgage loan, most consumers are concerned with the interest rate of the loan. Within the past five years, interest rates on mortgages have hit historical lows and many home loans have been made. But there is more to a mortgage loan than the interest rate and a careful shopper [...]
By Michael Doan
closeAuthor: Michael Doan
Name: Michael Doan
Email: mike@doanlaw.com
Site: http://doanlaw.com
About: Attorney Michael G. Doan Southern California Bankruptcy Law
Certified Bankruptcy Specialist American Board of Certification
San Diego Bankruptcy Attorney Michael G. Doan graduated from the University of San Diego with a Bachelor of Accountancy, earning departmental honors. He then entered California Western School of Law, earning his Jurist Doctorate.
Michael is admitted to the State Bar of California, the American Bar Association, as well as the San Diego County Bar Association and the North County Bar Association.
Other professional affiliations include:
National Bankruptcy Institute
Association of Trial Lawyers of America
Consumer Attorneys of San Diego
National Association of Consumer Bankruptcy Attorneys
American Bankruptcy Institute
North County Attorney Referral Service
and The San Diego County Attorney Referral Service
Michael is admitted to practice law in the Supreme Court of California, all Federal Courts of Appeals for the Ninth Circuit, and all Federal District Courts in the Southern and Central Districts of California.
He is a skilled Bankruptcy attorney with twelve years experience practicing in the fields of real estate, bankruptcy, personal injury, estate planning, contracts, worker's compensation, and tax and debt negotiation.
He is also a licensed Mortgage Broker and Realtor with membership in the San Diego Association of Realtors and President of a full-service real estate company, First Platinum Properties.
Currently, Michael is concentrating his practice solely in Bankruptcy Law and is a Board Certified Specialist in Consumer Bankruptcy Law by the American Board of Certification, one of only eight such attorneys in all of California.
To date, he has filed over 5,000 consumer bankruptcy cases. He has also has been published in both the Ninth Circuit Court of Appeals and the Ninth Circuit Bankruptcy Appellate Panel.
Mr. Doan also practices bankruptcy on the cutting edge, being the first attorney in the Southern District of California to file the first Chapter 7 Bankruptcy and Chapter 13 Bankruptcy under the new Bankruptcy Laws.
Michael G. Doan has successfully completed The American Board of Certification requirements for national certification in consumer bankruptcy law.
To become certified, Southern California Bankruptcy Attorney Micheal G. Doan satisfied the following requirements:
Full time practice of law for at least five years
Documented involvement in consumer bankruptcy by providing information on cases practiced
Demonstrated commitment to continuing legal education by earning at least 60 hours of bankruptcy education in the past three years
Passed an extensive, day-long written examination covering consumer bankruptcy issues
The American Board of Certification is a non-profit organization dedicated to serving the public and improving the quality of the bankruptcy bar. The rigorous certification standards are designed to encourage bankruptcy practitioners to strive toward excellence and to recognize those attorneys who are experts in the bankruptcy field. The certification program is accredited by the American Bar Association.
The American Board of Certification is co-sponsored by the American Bankruptcy Institute and the Commercial Law League of America. The ABC Board of Directors consists of many of the nation's finest bankruptcy and creditors' rights lawyers, former judges, and law professors.
mike@dllfirm.com
2850 Pio Pico Drive, Suite D
Carlsbad, CA 92008
phone: 760.450.3333
fax: 760.720.6082See Authors Posts (7) on Jan 20, 2008 in Foreclosure Rescue Scams, mortgage reform, respa | 0 Comments
So many times I see clients seeking a loan modification or loan workout for their mortgage(s). In most cases, these are very dangerous, and usually only put off the inevitable fact that the borrower can not maintain payments on the property. The workout/modification is just a temporary bandaid in most cases.
If you liked that post, [...]
By Jonathan Ginsberg
closeAuthor: Jonathan Ginsberg
Name: Jonathan Ginsberg
Email: ginsberg@gmail.com
Site:
About: See Authors Posts (8) on Dec 19, 2007 in respa, service yield premium | 0 Comments
The Atlanta Journal-Constitution reports today that the Federal Reserve has released a proposal for new rules that impose “tough new restrictions meant to curb unfair and deceptive home-lending practices and prevent a recurrence of this year’s meltdown in subprime mortgages.”
