FDCPA and Those Calls to Clients
In 2007, Ohio replaced its Code of Professional Conduct with the Ohio Rules of Professional Conduct. I was almost certain that a "Servicer" contacting the client during litigation violated the new ethical rules. Today, when another client called distraught over receiving a telephone call from the "Servicer", I decided I needed to review the Rules again. Turns out that Rule 4.2 comment [4] actually allows such contact between the clients. 4.2 Comment [4]Parties to a matter
Free Advice to Homeowners Facing Foreclosure
Today, I will again be in the office at 6:00 p.m. to answer any question of a Homeowner Defending a Foreclosure complaint. I subscribe to a number of foreclosure websites and blogs, and I receive articles written by very knowledgeable and caring experts. Most of those articles address very technical issues, or discuss the issue on a large national scale. These articles present issues that may exist in a Homeowner's case, but the articles do not provide easy how to informat
The Tension Between HAMP and the One Year Guideline
The Making Home Affordable Program, Version 3.3, As of September 1, 2011. In February 2009, the Obama Administration introduced the Making Home Affordable Program, a plan to stabilize the housing market and help struggling homeowners get relief and avoid foreclosure. In March 2009, the Treasury Department (Treasury) issued uniform guidance for loan modifications across the mortgage industry and subsequently updated and expanded that guidance in a series of policy announcement
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