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	<title>Mortgage Modification - Bankruptcy - Creative Financing &#187; Mortgage Modification</title>
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	<link>http://mortgage-modification-attorney.com</link>
	<description>By James Robert Deal - Attorney</description>
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		<title>Bankruptcy: What Are You Waiting For?</title>
		<link>http://mortgage-modification-attorney.com/bankruptcy-waiting-for/</link>
		<comments>http://mortgage-modification-attorney.com/bankruptcy-waiting-for/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 19:23:13 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1081</guid>
		<description><![CDATA[Bankruptcy: What Are You Waiting For?  by Dana Wilkinson, Attorney at Law Happy Groundhog Day! Lately the same refrain keeps cropping up in my practice:  why did you wait so long?  I understand that very few people want to file bankruptcy, and I agree that the decision to file bankruptcy is an important one.  And [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Top 15 Lies About Bankruptcy</title>
		<link>http://mortgage-modification-attorney.com/top-15-lies-about-bankruptcy/</link>
		<comments>http://mortgage-modification-attorney.com/top-15-lies-about-bankruptcy/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 12:33:48 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1075</guid>
		<description><![CDATA[Top 15 Lies About Bankruptcy by Brett Weiss, Maryland Bankruptcy Attorney Bankruptcy is an area of the law that people avoid. They don’t want to think that they might need its protections one day, and as a result, lies about what it can and can’t do, and what happens in a typical case, gain a [...]]]></description>
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		<title>Freddie Mac Screws Up Again</title>
		<link>http://mortgage-modification-attorney.com/freddie-mac-screws-up-again/</link>
		<comments>http://mortgage-modification-attorney.com/freddie-mac-screws-up-again/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 12:29:38 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1073</guid>
		<description><![CDATA[January 30, 2012 Treasury Investigates Freddie Mac Investment By SHAILA DEWAN The Treasury Department is investigating a report that Freddie Mac, the mortgage giant, bet against homeowners’ ability to refinance their loans even as it was making it more difficult for them to do so, Jay Carney, a White House spokesman, said on Monday. The [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Why Your Servicer Does Not Want To Modify Your Loan</title>
		<link>http://mortgage-modification-attorney.com/servicer-modify-loan/</link>
		<comments>http://mortgage-modification-attorney.com/servicer-modify-loan/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 12:15:59 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[mortgage servicers]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1067</guid>
		<description><![CDATA[No Modification for You! by Chip Parker, Jacksonville Bankruptcy Attorney For the last few years, I have witnessed a steady stream of homeowners flowing through my office who are dumbfounded by their inability to get a mortgage modification.  And for years, I have been telling them all the same thing: YOUR SERVICER DOESN’T WANT TO [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Independent Foreclosure Review</title>
		<link>http://mortgage-modification-attorney.com/independent-foreclosure-review/</link>
		<comments>http://mortgage-modification-attorney.com/independent-foreclosure-review/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 08:26:24 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1064</guid>
		<description><![CDATA[Background The Federal Reserve Board issued enforcement actions against four large mortgage servicers &#8211;GMAC Mortgage, HSBC Finance Corporation, SunTrust Mortgage, and EMC Mortgage Corporation&#8211;in April 2011. Under those actions, the four servicers were required to retain independent consultants to review foreclosures that were initiated, pending, or completed during 2009 or 2010. The review is intended to determine [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Swindlers, Liars, and Frauds</title>
		<link>http://mortgage-modification-attorney.com/swindlers-liars-frauds/</link>
		<comments>http://mortgage-modification-attorney.com/swindlers-liars-frauds/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 04:02:59 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1057</guid>
		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Problems Continue with HAMP</title>
		<link>http://mortgage-modification-attorney.com/problems-continue-hamp/</link>
		<comments>http://mortgage-modification-attorney.com/problems-continue-hamp/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 18:18:38 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[HAMP]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1054</guid>
		<description><![CDATA[HAMP Not Working As Planned Recent figures show that only a small fraction of homeowners are seeing any kind of permanent relief under the federal Making Homes Affordable Program (HAMP), and fewer consumers are applying for the program, leading one well-known economics blog to suggest that the program is dying. Thus, a major effort by President [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>What is NPV &#8211; Net Present Value &#8211; Analysis?</title>
		<link>http://mortgage-modification-attorney.com/npv-net-present-analysis/</link>
		<comments>http://mortgage-modification-attorney.com/npv-net-present-analysis/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 12:48:50 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[NPV Analysis]]></category>
		<category><![CDATA[Wells Fargo]]></category>
		<category><![CDATA[Wachovia]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1046</guid>
		<description><![CDATA[What is Net Present Value, the NPV we hear about so much? And what is NPV analysis? NPV is what your mortgage is worth to the bank in today&#8217;s dollars. In deciding whether to foreclose or allow modification the lender compares the amount of money it will net if it forecloses versus the present value [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Freddie &amp; Fannie&#8217;s Mortgage Shell Game</title>
		<link>http://mortgage-modification-attorney.com/freddie-and-fannies-mortgage-shell-game/</link>
		<comments>http://mortgage-modification-attorney.com/freddie-and-fannies-mortgage-shell-game/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 06:46:24 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1024</guid>
		<description><![CDATA[Welcome to Freddie and Fannie’s Mortgage Shell Game By Shawn Timothy Newman, J.D. Adjunct Professor Saint Martin’s University In common parlance, a mortgage (or Deed of Trust) includes the underlying loan (promissory note) and the security on that loan (mortgage or Deed of Trust).  This ignores the fact that the note and mortgage (or DOT) [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home prices down 11% in King County</title>
		<link>http://mortgage-modification-attorney.com/home-prices-11-king-county/</link>
		<comments>http://mortgage-modification-attorney.com/home-prices-11-king-county/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 13:16:27 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[home values]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1019</guid>
		<description><![CDATA[Prices dive as &#8220;distressed&#8221; home sales rise in King County The median price of houses sold in King County last month was $321,700, nearly 11 percent less than in November 2010. Brokers and analysts agree the drop largely was driven by increasing sales of &#8220;distressed properties.&#8221; By Eric Pryne Seattle Times business reporter PREV 1 of 5 [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Banker Admits Making Bad Loans</title>
		<link>http://mortgage-modification-attorney.com/banker-admits-making-bad-loans/</link>
		<comments>http://mortgage-modification-attorney.com/banker-admits-making-bad-loans/#comments</comments>
		<pubDate>Thu, 01 Dec 2011 11:20:31 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1016</guid>
		<description><![CDATA[November 30, 2011 A Banker Speaks, With Regret By NICHOLAS D. KRISTOF If you want to understand why the Occupy movement has found such traction, it helps to listen to a former banker like James Theckston. He fully acknowledges that he and other bankers are mostly responsible for the country’s housing mess. As a regional [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Declining Suburban Property Values</title>
		<link>http://mortgage-modification-attorney.com/declining-suburban-property-values/</link>
		<comments>http://mortgage-modification-attorney.com/declining-suburban-property-values/#comments</comments>
		<pubDate>Sat, 26 Nov 2011 12:29:30 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1012</guid>
		<description><![CDATA[DRIVE through any number of outer-ring suburbs in America, and you’ll see boarded-up and vacant strip malls, surrounded by vast seas of empty parking spaces. These forlorn monuments to the real estate crash are not going to come back to life, even when the economy recovers. And that’s because the demand for the housing that [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Separate Investment Banking from Insured Depository Banking</title>
		<link>http://mortgage-modification-attorney.com/separate-investment-banking-insured-depository-banking/</link>
		<comments>http://mortgage-modification-attorney.com/separate-investment-banking-insured-depository-banking/#comments</comments>
		<pubDate>Sun, 20 Nov 2011 07:54:16 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[Glass-Steagall]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1003</guid>
		<description><![CDATA[Dodd-Frank did not correct the problem. Banks which enjoy deposit insurance are still free to gamble with securities. A proposed bill: 112TH CONGRESS &#8211; 1ST SESSION H. R. 1489 To repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking [...]]]></description>
		<wfw:commentRss>http://mortgage-modification-attorney.com/separate-investment-banking-insured-depository-banking/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Obama Admin Wants To Let Banks Off Easy</title>
		<link>http://mortgage-modification-attorney.com/obama-admin-banks-easy/</link>
		<comments>http://mortgage-modification-attorney.com/obama-admin-banks-easy/#comments</comments>
		<pubDate>Wed, 09 Nov 2011 09:46:03 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1001</guid>
		<description><![CDATA[The banks want California, and the Obama administration hopes they can get it. In September, the attorney general of California, Kamala Harris, withdrew from settlement talks between the banks and federal and state officials over mortgage abuses. Ms. Harris said California was being asked to excuse bank conduct that has not been adequately investigated and [...]]]></description>
		<wfw:commentRss>http://mortgage-modification-attorney.com/obama-admin-banks-easy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Attorney Tom Cox &#8211; Audio On Robo Signing</title>
		<link>http://mortgage-modification-attorney.com/attorney-tom-cox-audio-robo-signing/</link>
		<comments>http://mortgage-modification-attorney.com/attorney-tom-cox-audio-robo-signing/#comments</comments>
		<pubDate>Wed, 09 Nov 2011 08:08:06 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=997</guid>
		<description><![CDATA[Disturbing News from Behind Closed Doors – Attorney Thomas Cox, A Mandelman Matters Podcast WARNING: THIS IS GOING TO BE DISTURBING… Thomas Cox is a retired banking lawyer from Portland Maine.  I spent a week with him at Max Gardner’s Book Camp last fall, and we became fast friends… he’s just a great guy and [...]]]></description>
		<wfw:commentRss>http://mortgage-modification-attorney.com/attorney-tom-cox-audio-robo-signing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Talcott Franklin Knows Mortgage Law</title>
		<link>http://mortgage-modification-attorney.com/talcott-franklin-mortgage-law/</link>
		<comments>http://mortgage-modification-attorney.com/talcott-franklin-mortgage-law/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 05:45:39 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=993</guid>
		<description><![CDATA[Attorney Talcott Franklin knows mortgage-backed securities inside and out.  He should… his firm, Talcott Franklin P.C.whose main offices are in Dallas, in dollar terms represents more than half of all the investors in mortgage-backed securities on the planet.  Tal’s the co-author of the “Mortgage and Asset-backed Securities Litigation Handbook,” and he’s a very experienced and highly [...]]]></description>
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		<slash:comments>0</slash:comments>
<enclosure url="http://mortgage-modification-attorney.com/wp-content/uploads/2011/11/MM-Talcott_Franklin_Podcast1.m4a" length="41067024" type="audio/mpeg" />
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		<title>Successful Mod with Midland</title>
		<link>http://mortgage-modification-attorney.com/successful-mod-midland/</link>
		<comments>http://mortgage-modification-attorney.com/successful-mod-midland/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 05:17:48 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=985</guid>
		<description><![CDATA[Donna bought her home in 2006. She owed $296,000 on her first mortgage and $71,000 on her second. She bought the home zero down. Her first mortgage was an ARM loan with a fixed 7.0% rate for the first five years. The index was the 6-month LIBOR and the margin was 2.25. Because the LIBOR is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>You Get What You Pay For</title>
		<link>http://mortgage-modification-attorney.com/pay/</link>
		<comments>http://mortgage-modification-attorney.com/pay/#comments</comments>
		<pubDate>Mon, 12 Sep 2011 19:11:14 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Modification is the Practice of Law]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=895</guid>
		<description><![CDATA[Virtually all of my modification clients tried it on their own and were turned down. Servicers will turn a borrower down and not tell them why. There are many tricks and techniques which we have learned with are not commonly known. It is to the advantage of servicers for modification to fail. Servicers get paid [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Bailout Should Have Helped Homeowners</title>
		<link>http://mortgage-modification-attorney.com/bailout-helped-homeowners/</link>
		<comments>http://mortgage-modification-attorney.com/bailout-helped-homeowners/#comments</comments>
		<pubDate>Thu, 31 Mar 2011 07:41:50 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[TARP]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=794</guid>
		<description><![CDATA[TWO and a half years ago, Congress passed the legislation that bailed out the country’s banks. The government has declared its mission accomplished, calling the program remarkably effective “by any objective measure.” On my last day as the special inspector general of the bailout program, I regret to say that I strongly disagree. The bank [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Banks Save Billions Through Modification Shortcuts</title>
		<link>http://mortgage-modification-attorney.com/banks-save-billions-modification-shortcuts/</link>
		<comments>http://mortgage-modification-attorney.com/banks-save-billions-modification-shortcuts/#comments</comments>
		<pubDate>Wed, 30 Mar 2011 03:29:41 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Consume Financial Protection Bureau]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=791</guid>
		<description><![CDATA[NEW YORK &#8212; The nation&#8217;s five largest mortgage firms have saved more than $20 billion since the housing crisis began in 2007 by taking shortcuts in processing troubled borrowers&#8217; home loans, according to a confidential presentation prepared for state attorneys general by the nascent consumer bureau inside the Treasury Department. That estimate suggests large banks [...]]]></description>
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