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Georgia Supreme Court Rules in Favor of Mortgage Lenders Over Homeowners in...
A 2017 ruling by the Georgia Supreme Court most likely represents a significant weakening to a consumer protection provision contained in Georgia’s home foreclosure law.Georgia law allows what is known...
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How Does Foreclosure Law Work in Georgia
The Atlanta newspaper recently published an article reporting that over 40% of homes in the metro Atlanta area are “underwater,” meaning that they are worth less than what is owed. In such a climate,...
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Middle Class Debtors Often Victims of Falsehoods and Misrepresentations
Last week, a former client called and tried to refer me a new Chapter 13 client who was facing foreclosure. While I appreciated the referral, I could not take the case because the potential client was...
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Home Foreclosed? Here’s What Happens Next
Georgia foreclosure law allows lenders to start and complete the mortgage foreclosure process in as little as 37 days. This means that just over a month from the start date of the foreclosure, you may...
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Georgia Homeowners Should Not Assume that Mortgage Lenders will Negotiate in...
The Atlanta newspaper ran a story this weekend about a Mableton woman who found herself facing an eviction notice following a foreclosure even though her mortgage loan account had been accepted into...
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Are You Liable for Ongoing Homeowner’s Association Dues if You Surrender Your...
Earlier this month on my Atlanta-bankruptcy web site blog I discussed an interesting case involving mortgage loan deficiency claims that was issued by the Georgia Court of Appeals and Georgia Supreme...
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Can You Rely on a Verbal Promise that Your Foreclosure Will be Delayed?
Last month, I met several times with a potential Chapter 13 client who was facing a mortgage foreclosure. Over the course of the past few months he has been juggling his creditors and bills trying to...
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Should You Save Your Home from Foreclosure, or Should You Let it Go
With the news full of foreclosure statistics showing huge increases along with stories of self-righteous Members of Congress asserting their heartfelt concern for “struggling homeowners” little...
View ArticleMissed Mortgage Payments in Your Chapter 13 – An Expensive Problem
In the Northern District of Georgia, the “standard” Chapter 13 plan that is used provides that on-going mortgage payments are to be made directly to the mortgage company during the pendency of your...
View ArticleHonest Renters Get Caught in Foreclosure Disasters
This past Sunday, the AJC published a fascinating article entitled “Foreclosures Reach Renters.” The article reports on several very sad cases in which a hardworking rental home tenant finds himself...
View ArticleCountrywide Customers: Mortgage Help is on the Way for Many
CNN.Money.com is reporting that Bank of America has announced a plan to cut mortgage payments on loans held by its Countrywide division. The program targets holders of subprime adjustable rate...
View ArticleSub-Prime Mortgage Fiasco Explained…Using Stick Figures
We have all heard about the “sub-prime” mortgage crisis, but do you really understand what it is all about and why the collapse of the sub-prime market has lead to a decline in your local real estate...
View ArticleHomebuilders Facing Financial Crisis or Bankruptcy
I received a call today from a reporter at the Atlanta Journal/Constitution. He is looking to speak with homebuilders (small or large) who are struggling financially. He is preparing a feature on the...
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