Consumer Law

The Definitive Treatise on All Aspects of Home Foreclosures
Who has legal authority to foreclose
The role of MERS in foreclosures
Fannie Mae and Freddie Mac foreclosures
Procedural and substantive foreclosure defenses
FHA, VA, and RHS foreclosures
Foreclosure litigation and sample pleadings
Using bankruptcy to stop foreclosures
Rights after the foreclosure sale
Special Chapters on Special Types of Foreclosures
Reverse Mortgages including HECM rights
Tax Liens and Tax Sales
Land Installment Contracts
Manufactured Homes
Condominiums
Unique State-by-State Summaries of State Foreclosure Laws
Judicial and non-judicial foreclosures
Tax abatement rights and tax liens
Reverse mortgages

Loan Origination, Preemption, and Litigation
Dramatic Changes Concerning Mortgage Lending and Federal Preemption
New underwriting standards, automated valuation, and the ability-to-repay requirement
Changes to uniform residential loan applications
Reverse mortgages, land installment contracts, HELOCs, home equity sharing, and other non-traditional mortgages
New RESPA requirements and VA limits on points and other charges
Restrictions on loan steering, mortgage broker practices and compensation
Title insurance, private mortgage insurance, attorney fees, new rules for appraisers
Regulation of interest rates, balloon payments, prepayment penalties, and negative amortization
New limits on federal preemption of state credit and mortgage laws
Highly Practical; Invaluable Litigation Tips
Gathering and analyzing key documents
Survey of all applicable federal and state laws
Third party liability and 10 limits on the holder-in-due-course defense, including application to electronic notes
Standing for RESPA claims after Spokeo
Restrictions on arbitration in mortgage litigation
Suing failed banks

omeowner Rights and Remedies Dealing with Mortgage Servicers
Loan servicer procedures, incentives, and abuses
Analyzing a servicing case
Using RESPA discovery and dispute rights
New RESPA and CFPB rules
TILA and other federal rights dealing with servicers
State law protections
State-by-state analysis of state mortgage servicing laws
Litigation with mortgage servicers and sample pleadings
Rights to Delay and Modify Mortgage Payments
Loss mitigation basics
Fannie Mae and Freddie Mac programs
FHA loss mitigation rights
VA and RHS loss mitigation rights
Pursuing loss mitigation rights through litigation