Nick Adama
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Displaying Results 1 - 112 (of 112) for All Content
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Question Your Emotions During ForeclosureForeclosure isn't just about the technical details of missed payments, default notices, trustee sales, and the overall financial impact on an individual. There is also a deep, distinctly human impact that cannot be discounted or ignored.
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Release Your Guilt About Staying in Your Home During ForeclosureIf you are beyond home of loan modification and somewhere in the process of foreclosure, you may be dealing with some guilt with regards to staying in the home without making any payments to the bank.
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How Long Can You Remain in the Home After a Foreclosure Sale Occurs?Once every other remedy to avoid foreclosure fails, such as arranging a short sale, reinstating the loan, or negotiating a loan modification, what comes next?
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How the Foreclosure Crisis Affects the Collateral Value of HousesOne of the often overlooked consequences of the current mortgage crisis and the accompanying rash of foreclosures across the country is its impact on the collateral value of houses.
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Why You Might Consider Hiring an Attorney During ForeclosureIf you are facing possible foreclosure on your home, there are a number of reasons why you might consider hiring an attorney to help you through the process. Here are just a few to consider.
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Your Brain Decides Whether You Are in Pain or NotWhat is it about pain that can make uncomfortable feelings last for just a few seconds with a weird misfiring in the nervous system, or last for decades with chronic syndromes?
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How Pain Works to Protect Us, and Why it Becomes ChronicWhen people have pain or think of uncomfortable feelings in their body, they often want to get rid of them as quickly as possible.
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Why Robo-Signing Mortgage and Foreclosure Documents is No Big SurpriseAll of the fraud that has become such a noticeable aspect of the banking and real estate industry is unfortunate, but should be expected to continue.
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Symptoms and Treatment for Piriformis Syndrome and Hip PainOne cause of back pain that actually does not involve a degeneration or injury to the tissues of the spine is referred to as piriformis syndrome.
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Bankruptcy Laws in America from 1978 to 2005With the passage of the 2005 Bankruptcy Act, it became more difficult for many people to file bankruptcy and receive relief from their creditors.
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Considerations in Joining a New Gym or Health ClubA few days ago, I decided I need to join a gym again. After a long, busy season of volunteer coaching for a local high school, the season was over and I realized it was time to get back in shape myself.
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How Systemic Enzymes Can Help Reduce Pain and InflammationWobenzym N and other systemic enzymes are so effective that they can produce the same benefits of aspirin or ibuprofen without the unhealthy side effects.
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Joint Pain, Tendinitis, and Reducing PainAlong with back pain, inflammation of a tendon causing joint soreness may be one of the most common ailments affecting the human body.
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Back Pain Caused by Spinal Nerve CompressionTumors, abscesses, and bony protrusions are all serious enough to begin with, but when any of these begin to put pressure on the spinal nerve, there is a chance paralysis will be the final result.
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Foreclosure Laws and What to Expect as a BorrowerHaving an understanding of foreclosure laws can go a long way in helping to alleviate the stress associated with the foreclosure process. Then you can feel empowered to take the appropriate actions to work with the bank and get things back on track.
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Types of Paralysis from Spinal Cord Injuries and Prospects of RecoveryThis article will discuss the results of such trauma in terms of changes to the proper functioning of the spinal column and potential paralysis below the site of injury.
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Potential Damages to Spinal Tissues from Cord InjuriesThere are more than 10,000 spinal cord injuries in the country every year.
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Expectations During a Home Loan ModificationWhen you are in danger of losing your home to foreclosure, everything about life can seem overwhelming. Working with your lender towards a home loan modification offers a potential solution for keeping your home and getting back on your feet financially.
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How Will Getting a Loan Modification Impact My Credit?There is no doubt that a loan modification status on your credit history will have a negative impact on your credit overall. This article explores the potential impact.
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Stress and Poor Sleep Can Cause Chronic Pain and FibromyalgiaFor people suffering from fibromaylgia, joint and muscle pain can be chronic and continual, resulting in a vast decrease in their quality of life.
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Negotiating Your Loan ModificationWhen negotiating with the bank on a loan modification, it's possible that you will get a modification offer from the bank that doesn't lower your payment to an acceptable level. Here are some things to consider if that happens.
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Role of Nerve Damage and Muscle Strain in Causing Back PainThe good news is that the vast majority of causes of back and neck pain is an acute problem that lasts only for a few days or weeks.
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Three Common Neck and Back Disorders Leading to Chronic PainFrom sciatica to spinal stenosis, being aware of common painful conditions may help people suffering from back injuries understand why they are in pain and what treatment paths to take when they are recovering.
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Why People Suffer from Different Forms of Back PainWhile many people will only have acute pain lasting a few hours, days, or weeks at the most, others will suffer from chronic lower back discomfort.
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How Sciatica Causes Back, Hip, Knee, and Foot Pain All at OnceMuscle, ligament, disc, and nerve damage may lead to back pain, although damage to the spinal cord and sciatic nerves may be one of the more serious causes of lower back pain.
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Sitting Down for Too Long Reduces Hip Mobility and Causes Back PainThe longer one sits in a chair and the less flexibility in the hips, the greater the chance of lower back pain and the worse that soreness can be.
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Back Pain Treatment - Glucosamine and ChondroitinTwo of the most promising supplements for treating back pain that work together remarkably well for many people are glucosamine and chondroitin.
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Two Strategies to Lift Weights Without Causing Back Pain and InjuryFor very active people who work out with weights more than a couple days a week, there is an increased risk of creating high compressive forces on the spine which may lead to permanent flattening of the discs between the vertebrae of the spine.
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How MSN Can Help with Joint Pain and Lower Back SorenessOne supplement that has not received much attention in helping people suffering from chronic pain is MSM. This supplement may help back pain sufferers move better, withstand more stress to their joints, or simply help them move and sit freely again.
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Arnica and Back Pain - How This Herb Can Reduce InflammationOne supplement that may help back pain sufferers is arnica, which has been found to be somewhat effective for reducing pain and soreness.
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How Poor Posture Leads to Lower Back PainThe poor posture that many people display when they are sitting down can lead to a progressively more painful back when they engage in other activities of their lives.
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Chiropractic Adjustments and Reducing Back PainOver the course of their lives, nearly 80% of people will suffer from some sort of back pain. Pain and injury to the muscles, joints, and nerves of the back affects almost every single human being on the planet.
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Unstable Surface Training and Decreasing Muscle Speed and PowerThe use of stability balls, wobble boards, and other such equipment has its place, but should not be used in ways that can actually decrease speed and power.
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Stretching Before Exercise Increases Risk of InjuryThe commonly held beliefs about stretching are little more than myths and may actually lead to injury. For a variety of reasons, it may be best not to stretch before a workout and instead perform other movements to warm up.
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How the Body's Joints Work as a Function of Mobility or StabilityNow the focus has become on the joint functions of the body, which is an entirely new way of looking at training for high performance while maintaining good health and movement patterns.
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Reduce Your Back Pain by Focusing on Muscle Stability Instead of StrengthWhen it comes to recovering from a back injury and reducing the long-term pain that is often associated with damaged tissues in the back, it is important for patients to work on the stability of their spines.
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Should You Consider Spinal Decompression as an Alternative to Back Surgery?The main benefit of spinal decompression therapy is that it is noninvasive and does not require any type of surgical incisions or even a trip to the hospital.
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Why Are Your Lower Back Exercises Causing Even More Pain?When people suffer from a lower back injury, they are often prescribed various exercises to help strengthen and stabilize the spine. But how can patients know if these exercises are working as they were designed to?
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Tips for Making Your Exercises Reduce Lower Back Pain Instead of Exacerbate ItKeeping these three simple tips in mind can help people suffering from low back disorders begin to move again with no pain and benefit from the rehabilitation exercises that their doctors and clinicians have recommended they do.
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Two Steps in Fixing a Sore Lower Back - Movement and StabilityOnce it is time for rehabilitation from an injury, there are a number of steps that must be taken, and they must be taken in the correct order to facilitate long term healing and prevention of future injury.
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How to Reduce Back Pain from Prolonged SittingEspecially for people who have to work all day in a sitting position in front of a computer, a sore back may be the best to hope for, while a herniated disc may be the worst to expect.
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Healing Sciatica and Nerve Pain with Spinal Flossing MovementsMany people suffer from a type of back pain known as sciatica. The sciatic nerve is the longest and widest nerve in the human body, and a problem in any area of the spinal cord or this nerve can lead to the condition of sciatica.
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Waking Up with a Sore Back -- Why it Happens Every MorningWhen people go to bed, their spines actually increase in length. This is a result of the pressure in the discs in between the vertebrae changing.
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Injure Your Back Just by Sitting for Too LongThis article will discuss why sitting can lead to a back injury and chronic soreness, as well as what doctors and clinicians agree are some ways to mitigate the risk of becoming injured as a result of sitting for too long.
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Walking and Back Pain - How to Walk Correctly to Prevent a Sore BackOne of the exercises that has been found to help people suffering from lower back pain and disorders is simply walking. But walking has also exacerbated some low back disorders when it is not done correctly.
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Three Workplace Related Causes of Back Pain You Never Thought OfWhile there are a large number of reasons for back pain, here are three that are not often discussed.
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Why Lower Back Pain is Not Just All in Your HeadMany people, when they begin experiencing back pain, can not always put a finger on exactly where it hurts and why. There is just a vague feeling of soreness in the lower back.
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Two Causes of Back Pain from Overuse InjuriesA more common cause of back pain is that of chronic overuse. There are actually two different types of overuse injury of the back.
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Spinal Decompression a New Method of Relieving Back PainThankfully, new methods and technology have been developed outside of the traditional medical care industry to address such problems.
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Increase Your Strength and Mobility to Decrease and Prevent Knee PainIn order to have proper functioning of the joints, the surrounding muscles must be strong enough to support the demands placed on the body.
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Three Reasons Your Knee Might Be Bothering YouIn this article, we will discuss three common reasons that active people experience knee pain and discomfort.
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Do You Have Tendinitis or Tendinosis?One of the myths of the health and fitness industry is that of chronic tendinitis.
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Do You Have a Herniated Disc? or is that a Common Misdiagnosis?One commonly misdiagnosed injury to the back is that of a herniated disc. Typically, a herniated disc is "flattened" between two of the vertebra and collapses.
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How the Different Parts of the Back Work Together or Cause PainEssentially, the spine is made up of two distinct regions, called the lumbar (lower) spine and the thoracic (upper) spine. Each of these regions of the body have different roles to play in maintaining an overall healthy back.
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Spinal Decompression and Addressing Back PainMany people have heard of different forms of treatment for back pain. From Swedish massage to deep tissue massage to having chiropractic adjustments done, it seems that everyone is suffering from back and neck pain.
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Qualified Written Request to a Mortgage Servicer - Some Samples DisputesWhen attempting to get information from a lender or servicing company, homeowners can take advantage of their legal opportunities under the Real Estate Settlement Procedures Act to send a Qualified Written Request (QWR).
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Some Exemptions to FDIC Immunity in Foreclosure ActionsIt can be very difficult for homeowners facing foreclosure to raise certain claims in court when the bank holding their loan has failed and been taken over by the Federal Deposit Insurance Corporation.
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The FDIC, the Foreclosure Process, and Takeovers of BanksWhile the government stepping in may make the transition of loans from failed banks to solvent banks a little easier, in cases of default and foreclosure the situation can become more complicated.
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Recent Housing Market Statistics - Foreclosure Crisis Continues UnabatedThe following are some statistics about the housing market and the government's efforts to address the foreclosure crisis. Despite the state's programs, the foreclosure rate has kept up its dramatic increase.
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Homeowners' Considerations Before Applying for a Mortgage ModificationHomeowners should expect to run into at least three major issues when attempting to qualify for a loan modification. These problems should be considered before the borrowers decide whether to apply for a modification.
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How the Banks Are Killing the Government Loan Modification ProgramsThe government's programs to help stop the foreclosure crisis were probably started with the best of intention. Good intentions, however, can not cover for economic ignorance and an unwillingness to face the facts of the housing market.
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Ignore the Lender's Foreclosure Lawsuit, and You Could Be EvictedThe bank will have no problem opening discussions with the borrowers, all the while proceeding with the legal action and having the house sold. If the negotiations fail, the homeowners can be swiftly evicted.
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Ideas for Homeowners to Obtain Foreclosure Help from the BankHomeowners should keep in mind that the bank or mortgage servicer is 100% able to stop the foreclosure whenever it wants. Before doing anything at all, though, homeowners need to decide if the home is worth keeping.
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A Final Bubble Industry in Cleaning Out Foreclosure Houses?One of the businesses that have been booming due to the current economic downturn is cleaning out foreclosed homes. After the eviction has been completed, any items remaining in the property will be thrown away.
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Foreclosure and Forfeiture of Land Installment Sales ContractsThese contracts, also known as installment land contracts, land sale contracts, long-term land contracts, bonds for deed, or contracts for deed, are simply alternatives to a mortgage or deed of trust.
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Why Are Loan Modifications so Rare, Despite so Many in the Process?For lenders, there is every incentive to negotiate with homeowners for a mortgage modification. Thus, the very few number of borrowers who end up receiving any help should surprise everyone.
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Leasing a Home and How to Deal with a Landlord Facing ForeclosureWhen homeowners face foreclosure on a property they are renting out, tenants often begin to worry about the status of their home. Will the landlord be able to avoid foreclosure? Should the tenants stop paying rent?
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An Overview of President Obama's Home Affordable Modification Program for Foreclosure VictimsThe Home Affordable Modification Program (HAMP) was designed to create broad guidelines for the mortgage industry on modifying loans, as well as provide incentives to servicers to offer modifications.
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Income Tax Exemptions on Short Sales for Forgiven Debt After ForeclosureHomeowners who sell their homes through a short sale are often very concerned about the tax implications. The bank is then responsible for reporting the forgiven amount to the IRS as income to the borrowers.
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Wrongful Foreclosure Claims Against Mortgage Companies After a Home is AuctionedIn some cases of foreclosure, there may be enough instances of misconduct by the lender to show that the entire process constitutes a wrongful foreclosure. Many states even have common law regarding this issue.
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Limitations on Deficiency Judgments Sought by Banks After a ForeclosureWith the anticipation of a deficiency judgment, borrowers may feel like they will never be able to move on after foreclosure. However, this is simply not the case. The potential for a deficiency judgment can be very small.
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Reversing a Sheriff Sale After a Foreclosure Auction Has Been ConductedIs there really no hope for borrowers whose homes have been sold and the auction has been confirmed? In most cases, this is not true, as there are still some remedies available to reverse a sheriff sale.
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The Tax Foreclosure Process and How it Differs from the Mortgage Foreclosure ProcessSome homeowners experiencing double-digit percentage increases in their yearly tax burden, even as they are working fewer hours or taking pay cuts will inevitably come to realize that they can no longer afford to keep up
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How Foreclosure Works with Manufactured HomesClose to eighteen million people live in manufactured homes. The target market for many of these properties are people with low income who are otherwise unable to afford a single family house.
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Reasons a Mortgage Company May Decide Not to Pursue a Deficiency Judgment After ForeclosureHomeowners are often worried about further collection attempts after a foreclosure has been completed. But in most cases, there is little chance of a deficiency judgment.
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Why Collection Agencies Have Problems Complying with Fair Debt Collection LawsThe Fair Debt Collection Practices Act was originally designed to protect debtors against abuse by collection agencies pursuing a debt. There are numerous violations that may cause penalties against the debt collector.
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A Corrupted Process - Debt Collectors, Credit Cards, and Mandatory ArbitrationOne tool of the credit card companies has always been to force consumers into unfair arbitration, and the full extent of the corruption of the process has finally come out in a recent court settlement.
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Property Taxes Rise as Foreclosure Rates Go Through the RoofWhat is most amazing about the real estate downturn and economic depression is that government seems to keep on growing. In fact, government at all levels does not seem to have missed a beat.
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How the Nonjudicial Foreclosure Process Discourages Homeowner Defenses in CourtIn nonjudicial foreclosure states, homeowners who believe they can fight back against the process face an additional challenge that borrowers in judicial states do not have to deal with.
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Sheriff Sale - when a Foreclosed Home is Sold but Ownership Not TransferredAt the end of the foreclosure process, once all of the notices have been sent and published and the lawsuit has ended, a public auction is held to dispose of the property. But sheriff sales do not always go smoothly.
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FDIC Bank Takeovers and Homeowners in ForeclosureEspecially for homeowners facing foreclosure, when a bank is shut down by the government due to insolvency, the situation can become much more complicated. Typically, the assets of a failed bank are sold to another bank.
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Foreclosure Help Offered by California Attorneys Turning Out to Be ScamsFrom investigating nine such complaints for all of 2008, the California State Bar is now investigating 391 complaints against 140 attorneys. What is causing this huge increase in the number of borrowers complaining about attorneys?
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How Credit Card Theives Make Small Charges to Make Disputing the Charges PointlessOne of the tactics these criminals use is to steal a huge list of credit card numbers and then begin making numerous small charges on each of them. Many consumers may not even recognize a series of charges.
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When Mortgage Companies Violate FHA Preforeclosure RequirementsThe US Department of Housing and Urban Development (HUD) has established requirements that lenders must meet in order to bring a legitimate foreclosure action against homeowners. These rules apply to mortgages that are insured by the FHA.
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Produce the Note - Checklist to Stop ForeclosureOne of the defenses to foreclosure that is becoming more widespread is the so-called "produce the note" strategy. Numerous cases have been thrown out once the bank has been unable to prove it owns the loan and can show the original note.
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Stop Foreclosure by Examining Irregularities in the Original Loan DocumentsWhen homeowners or their legal advocates are doing research on a loan, there are numerous documents that may help inform their case against a lender. Borrowers should be aware of these different types of documents.
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Loan Modification - Why the Servicer was Required to Turn You DownPSAs set a limit to how many mortgage modifications can be offered by servicers, and these companies may face liability from the trusts or investors that own the underlying loans if they offer too many workout plans to borrowers.
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Enjoining a Foreclosure Sheriff Sale by Using Your EquityA common complaint of many homeowners that face foreclosure but whose houses have a large amount of equity is that their home sells for far less than its fair market value at the sheriff sale.
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Lenders Need to Show the Original Note to Foreclose on a HomeWhen a lender can not find the original note, courts are deciding that foreclosure proceedings must be placed on hold. Without this document, it can be impossible to prove that one has the right to foreclose on the home.
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Defending Foreclosure - Unjust Enrichment by the Lender or ServicerThis is a type of common law tort defense to foreclosure that homeowners may raise if they are being sued or if the lender is moving ahead with a trustee sale of a property.
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How Mortgage Servicing Companies Escape Liability for Truth in LendingOne of the laws that give homeowners the most protection against mortgage lending abuses is the Truth in Lending Act (TILA). This act is designed to provide borrowers with adequate disclosures.
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How Ridiculous Appraisals Helped Fuel the Real Estate Boom... And How to Hold Appraisers LiableThe real estate bubble could not have been inflated without the complicity of many appraisers who threw all conservatism out the window and began giving properties ridiculous values in order to help secure loans.
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How Foreclosure Works with Homeowner Association Fees and How to Negotiate a Repayment PlanHomeowners always wonder how HOA fees will effect them after foreclosure. Hopefully this article will help explain some of these issues.
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How Lenders Impose More Junk Fees on Homeowners Filing Bankruptcy to Stop ForeclosureIn retaliation for the filing of bankruptcy by a borrower, banks and their lawyers have read ambiguous contract clauses to allow the imposition of ridiculous junk fees on accounts.
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Foreclosure and Late Fees - How Banks Push Borrowers Further into DefaultWhen homeowners begin to fall behind on their mortgage, almost immediately, the bank begins adding numerous fees to the balance. A default of a couple months can balloon dramatically.
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How Can More Regulations Possibly Solve the Economic and Housing Crises?With the government's overreaction to the financial crisis, there are thousands of pages of new regulations covering every aspect of the financial sector.
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Successfull Negotiations with Your Lender to Pay Back Your Arrears or Get a Loan ModificationFind out how to get your lender to accept your payments when facing foreclosure, pay back your arrears and successfully get a loan modification.
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Watch Out for These Signs of Abuse and Fraud from Mortgage Servicing CompaniesIn the past couple decades, since the government essentially created the abuse-encouraging mortgage servicing industry, there has been a wave of lawsuits against these servicers for a range of activities.
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How the Government Created Mortgage Servicers' Incentive to Foreclose on HomesOne decision that the RTC made when selling the assets of bankrupt banks almost single-handedly created the mortgage servicing industry as it is today.
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Unconscionable Mortgage the Reason You're in Foreclosure?Homeowners who have been blatantly taken advantage of during the mortgage process may have a defense to foreclosure based on the unconscionable contract. There are a number of factors that can point to unconscionability in a loan.
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How Credit Insurance Hurts Homeowners and Leads to ForeclosureSome homeowners, when they originally purchase their home or refinance, are pushed into an expensive "credit insurance" policy. These schemes can often just be one more way that lenders enrich themselves
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Mortgage Foreclosure - Creditor Overreach, Unfair Practices, and MoreHomeowners may be able to raise foreclosure defenses based on the state Unfair and Deceptive Acts and Practices laws. Each state differs in their definitions of these types of actions.
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How Our Financial System Encouraged the Foreclosure CrisisThe securitization process took responsibility for the performance of mortgages out of the hands of lenders and put it in the hands of thousands of investors.
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Are You Getting Involved with a Loan Modification CompanyWith more homes lost to foreclosure than ever before and property values dropping at alarming rates, why are lenders are servicers still being so difficult to deal with?
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How Banks Violate the Duty of Good Faith to Homeowners in Foreclosure SituationsWhen homeowners fall into foreclosure and the bank or trustee has a public auction of the home scheduled to satisfy the debt, there are various duties that must be met for the sale to be valid.
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Simple Explanation of the Mortgage Modification ProcessWhen you are facing foreclosure, it's time to begin thinking about a loan modification. Getting a lowered mortgage payment is only one phone call away!
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How the Nonjudicial Foreclosure Process Violates Homeowners' Constitutional RightsIn states that allow a nonjudicial foreclosure through a power of sale clause in a deed of trust, homeowners find that their properties are sold out from under them without a hearing or chance to defend themselves.
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How Mortgage Electronic Registartion Systems (MERS) Complicates ForeclosureMERS, short for the Mortgage Electronic Registration System: what this company is and what it does is a bit unclear, but many homeowners have had this company attached to their mortgage somewhere along the line.
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Benefits and Drawbacks of the "Produce the Note" Strategy to Fight ForeclosureWhen a mortgage company begins foreclosing on a property, most homeowners just assume that the bank really owns their loan and is able to prove it and take their home away. But this is not always the case.
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What You Should Know If You Want to Refinance Out of ForeclosureIf you are facing foreclosure you may be looking into ways to stop it or save your home. One option that should be explored and works for many people is a loan modification.
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Aspects of How Foreclosure Works and Rights Borrowers Have to Defend Their HomesMany homeowners are not quite clear on how the foreclosure process works in their state, especially due to differences between judicial and nonjudicial foreclosure proceedings.
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Two Uncommon Types of Foreclosure - Strict and By Entry and PossessionA few states still allow two different methods of foreclosure, one called strict foreclosure and the other called foreclosure by entry and possession.