Browsing the internet I came across a story from Market Watch that stated essentially levels of foreclosures have returned to "near pre-crisis levels". Below is the link to the story, which includes a graph that creates a new statistic "completed foreclosures per mortgage". I believe this graph is deceptive. First, the writer picks 2005 and declares that this is the pre-crisis numbers. This is sort of like saying gas prices have gone down, as long as no one remembers when gas

Recent changes to the Federal Guidelines have imposed new protections for consumers dealing with the companies that allegedly own and service their mortgages. These new regulations require the Lender or the Servicer to provide a single point of contact. The purpose is to prevent the Homeowner from being switched and transferred from numerous representatives while trying to seek assistance with their loans. I am an attorney. I represent a number of homeowners facing foreclosur

In law school they told us that they were going to train us to think like lawyers. While in law school they reminded us of many great philosophers who had stated that you could never have too many people trained in the law. Once we left law school and joined private practice ethical considerations told us that we should not take advantage of those untrained in the law. When Courts interact with lay persons the Court will often describe the language of lawyers as legalese.