Los Angeles, CA, December 29, 2012 --(PR.com
)-- Beginning January 1, the Homeowner Bill of Rights will:
-Ban "dual-tracking" (which is when banks pursued foreclosure even though the homeowner was seeking a loan modification)
-Require one contact person per customer
-Increase penalties for robo-signing (which automatically approves foreclosure without anyone reading documents)
-Let homeowners sue for violations
Class fee is $595 online or $795 at the door. For more information and to register, visit www.CertifiedForensicLoanAuditors.com
Patricia Rodriguez, Esq.
Law Offices of Patricia Rodriguez
-Member of the State Bar of California
-Admitted in Central, Northern and Eastern Federal District Courts of California
-Temple University Law School - J. D.
-Temple University Law School - Law Program in Japan
-University of Southern California (USC) - B. S. in Business
-Member of Beverly Hills Bar Association
-Member of Mexican American Bar Association
Ms. Rodriguez obtained her Juris Doctor from Temple University. While there, she participated in their National Trial Team and received exceptional advocacy training from one of the best law school programs in the country. Ms. Rodriguez previously worked for the Camden Public Defenders Office, the Philadelphia Public Defenders Office, the Los Angeles District Attorney s Office and the Los Angeles Public Defenders Office. She currently runs her own boutique law firm in Los Angeles County specializing in Criminal Defense, Foreclosure Defense, and Bankruptcy Law.
I California Homeowner Bill of Rights
(a) SB 900 Procedural History
(b) Goals of the California Homeowner Bill of Rights
(c) Meeting the Goals
II Application of the Law
(b) Large Lenders
III Relevant Provisions
(a) Mortgage Servicer Defined
(b) Dual Tracking
(c) Changes to Loan Modification Process
(d) Single Point of Contact Established
(e) Robo-Signing Eliminated
(f) New Notice Requirements
(g) No Application Fees or Late Fees
(h) Right to Sue Mortgage Servicers
Homeowner Bill of Rights Questionnaire
-Has the property been sold at trustee s sale?
-Has a Trustee s Deed Upon Sale been recorded?
-Have you already surrendered the property to the lender?
-Is the subject property an investment property?
-Is the subject property your primary residence?
-Is the default on your first lien mortgage?
-Is the loan/ deed in your name or in a trust/ corp?
-Are you currently in bankruptcy
-Have you contracted with someone or an entity whose primary business is advising people on how to extend their foreclosure and avoid their contractual obligations under the loan?
-Who is the current lender?
-Who is the servicer?
-Are you currently in the modification review process?
-Have you previously applied for a loan modification with this lender?
-Were you given a reason for the denial?
-Is there a material change in your financial circumstances since your previous application? If so, what is the change?