Foreclosure
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Foreclosure

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text css=".vc_custom_1595795138842{margin-right: 5% !important;margin-left: 5% !important;}"]In North Carolina, Homeowners’ Associations (“HOAs”) can foreclose on properties in their communities to obtain unpaid assessments, dues, fines, and fees. Foreclosure may seem like a drastic step to obtain debts ranging between...

[caption id="" align="alignright" width="300"] English: Sale by owner previous to foreclosure. (Photo credit: Wikipedia)[/caption] Homeowners in the Raleigh-Durham area who are facing foreclosure or who are experiencing financial difficulty sometimes consider using a short sale as a way to get out of trouble. But what, exactly,...

[caption id="" align="alignright" width="300"] English: Foreclosure signs, Mortgage crisis, (Photo credit: Wikipedia)[/caption] When people fall behind on their mortgage payments and are threatened with foreclosure, they may not be aware of the power of bankruptcy to stop the foreclosure process and allow them to keep their...

The Home Affordable Mortgage Program (HAMP) – the government-funded loan modification program that offers help for people who have fallen behind on their mortgage to stay in their home – was fatally flawed from its inception.  The administration acted as though banks are run by...

As an attorney who represents debtors in bankruptcy, it is frustrating to watch families lose their homes when some basic changes to bankruptcy law would offer an effective alternative to the federal HAMP mortgage modification program, lower the number of foreclosures and let both consumers...