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	<title>Mortgage Modification - Bankruptcy - Creative Financing &#187; jamesdeal</title>
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	<description>By James Robert Deal - Attorney</description>
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		<title>Wrap-Around And Lease-Option Transactions</title>
		<link>http://mortgage-modification-attorney.com/wrap-around-and-lease-option-transactions/</link>
		<comments>http://mortgage-modification-attorney.com/wrap-around-and-lease-option-transactions/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 01:02:52 +0000</pubDate>
		<dc:creator>jamesdeal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

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		<description><![CDATA[7-12-10 Wrap-around deed of trust and lease-option transactions are back. Buyers are having trouble getting financing. This reduces the number of sales. With fewer buyers prices drop. The solution in many cases is for buyers and sellers to do assumptions of existing financing, to do wrap-around deeds of trust transactions, or to enter into lease-option [...]]]></description>
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		<title>Judgment Proof?</title>
		<link>http://mortgage-modification-attorney.com/are-you-judgment-proof/</link>
		<comments>http://mortgage-modification-attorney.com/are-you-judgment-proof/#comments</comments>
		<pubDate>Sat, 10 Jul 2010 06:56:05 +0000</pubDate>
		<dc:creator>jamesdeal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Garnishment]]></category>
		<category><![CDATA[Judgment Proof]]></category>

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		<description><![CDATA[Are you Judgment Proof? Surprisingly, the best approach for some people who are deeply in debt is to take no action at all. If you&#8217;re living simply (that is, with little income and property) and look forward to a similar life in the future, you may be judgment proof. This means that anyone who sues [...]]]></description>
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		<title>It is Getting Harder To Modify</title>
		<link>http://mortgage-modification-attorney.com/it-is-getting-harder-to-modify/</link>
		<comments>http://mortgage-modification-attorney.com/it-is-getting-harder-to-modify/#comments</comments>
		<pubDate>Thu, 20 May 2010 07:35:13 +0000</pubDate>
		<dc:creator>jamesdeal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

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		<description><![CDATA[Lenders are starting to require income verification before putting borrowers into trial payments. Lenders are tightening modification requirements and turning down more applicants. Lenders are refusing to grant principal write-downs. Generally speaking, it is getting harder for borrowers to push their modifications through. Read with Martin Andelman has to say about the situation.]]></description>
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		<title>FTC tries to prevent you from hiring an attorney to assist with modification</title>
		<link>http://mortgage-modification-attorney.com/ftc-tries-to-prevent-you-from-hiring-an-attorney-to-assist-with-modification/</link>
		<comments>http://mortgage-modification-attorney.com/ftc-tries-to-prevent-you-from-hiring-an-attorney-to-assist-with-modification/#comments</comments>
		<pubDate>Thu, 08 Apr 2010 07:49:43 +0000</pubDate>
		<dc:creator>jamesdeal</dc:creator>
				<category><![CDATA[Federal Trade Commission]]></category>
		<category><![CDATA[Modification is the Practice of Law]]></category>
		<category><![CDATA[Mortgage Modification]]></category>

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		<description><![CDATA[On the mortgage modification front:   Martin Andelman writes regularly regarding mortgage modification. This is latest article:   The secret NPV formula used to qualify for HAMP loan modifications that no one is allowed to know. Transparency at it’s finest.   Watch out. Mortgage modification is extremely complex, but:   The Federal Trade Commission is trying [...]]]></description>
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		<title>FTC Wants To Prohibit Up-Front Fees</title>
		<link>http://mortgage-modification-attorney.com/ftc-wants-to-prohibit-up-front-fees/</link>
		<comments>http://mortgage-modification-attorney.com/ftc-wants-to-prohibit-up-front-fees/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 06:06:55 +0000</pubDate>
		<dc:creator>jamesdeal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Federal Trade Commission]]></category>
		<category><![CDATA[Modification is the Practice of Law]]></category>
		<category><![CDATA[Mortgage Modification]]></category>

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		<description><![CDATA[The Federal Trade Commission is up to no good. The FTC proposes to enact a regulation which will prohibit third-party modification providers, including attorneys, from charging advance fees. See: http://www.ftc.gov/opa/2010/02/mars.shtm for a summary of the proposed regulation. See http://edocket.access.gpo.gov/2010/2010-4651.htm for the full text of the proposed regulation. California passed a law forbidding all up-front fees on mortgage [...]]]></description>
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		<title>Foreclosures Are More Profitable Than Modifications</title>
		<link>http://mortgage-modification-attorney.com/foreclosures-are-more-profitable-than-modifications/</link>
		<comments>http://mortgage-modification-attorney.com/foreclosures-are-more-profitable-than-modifications/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 22:34:37 +0000</pubDate>
		<dc:creator>jamesdeal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=196</guid>
		<description><![CDATA[Mortgage companies are more likely to foreclose on homeowners than modify their loans because they make more money off foreclosures, argues a new report by a consumer advocacy group. While homeowners, lenders and investors typically lose money on a foreclosure, mortgage servicers do not, says report author Diane E. Thompson, of counsel at the National [...]]]></description>
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