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	<title>Mortgage Modification Law - Bankruptcy Law &#187; Mortgage Modification</title>
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	<link>http://mortgage-modification-attorney.com</link>
	<description>By James Robert Deal - Attorney</description>
	<lastBuildDate>Tue, 13 Jul 2010 01:27:32 +0000</lastBuildDate>
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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>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=471</guid>
		<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>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>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=407</guid>
		<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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		<slash:comments>0</slash:comments>
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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>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=405</guid>
		<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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=388</guid>
		<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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		<slash:comments>0</slash:comments>
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		<title>Allow Judges to Cram Down Mortgage Balances</title>
		<link>http://mortgage-modification-attorney.com/allow-judges-to-cram-down-mortgage-balances/</link>
		<comments>http://mortgage-modification-attorney.com/allow-judges-to-cram-down-mortgage-balances/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 05:17:43 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=337</guid>
		<description><![CDATA[Quoting from Martin Andelman: In the next 2-3 years, it is estimated that there will be an additional 14 million foreclosures in this country.  That will make the total roughly 20 million homes lost in this catastrophic recession. But it won’t stop there. Foreclosures breed foreclosures.  And 20 million foreclosures just means that millions more [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Final Modification Obtained</title>
		<link>http://mortgage-modification-attorney.com/final-modification-obtained/</link>
		<comments>http://mortgage-modification-attorney.com/final-modification-obtained/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 04:32:22 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=296</guid>
		<description><![CDATA[Philip got behind on his mortgage because his employer cut his hours. He and his wife work for the same nursery and earn only minimum wage. Philip&#8217;s loan was fixed for two years at 7.5%. After that it was adjustable with a rate based on the 6-month LIBOR plus a margin of 5.5 points. Although the [...]]]></description>
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		<slash:comments>0</slash:comments>
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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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		<slash:comments>0</slash:comments>
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		<title>Geitner Require Lenders to Make Progress on Modifications</title>
		<link>http://mortgage-modification-attorney.com/geitner-require-lenders-to-make-progress-on-modifications/</link>
		<comments>http://mortgage-modification-attorney.com/geitner-require-lenders-to-make-progress-on-modifications/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 20:40:07 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=126</guid>
		<description><![CDATA[Tim Geitnner has written the attached letter to the 25 servicers who are participating in HAMP &#8211; Home Afffordable Mortgage Program - such as CitiMortgage and Wells Fargo Bank. These servicers receive incentives for doing modifications designed under the Obama Administration’s Making Homes Affordable (MHA) program. The letter comes after a mid-June cap adjustment on the [...]]]></description>
		<wfw:commentRss>http://mortgage-modification-attorney.com/geitner-require-lenders-to-make-progress-on-modifications/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>To My Mortgage Modification Clients</title>
		<link>http://mortgage-modification-attorney.com/update-to-mortgage-modification-clients-june-7-2009/</link>
		<comments>http://mortgage-modification-attorney.com/update-to-mortgage-modification-clients-june-7-2009/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 07:06:53 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=92</guid>
		<description><![CDATA[These are general instruction as to what you can do to make your modification a success. Please report to me by e-mail and/or fax any communications you have received from your lenders. When you talk with your lenders, ask for names, phone numbers, fax numbers, e-mail addresses. If your lender sends you forms to fill [...]]]></description>
		<wfw:commentRss>http://mortgage-modification-attorney.com/update-to-mortgage-modification-clients-june-7-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Right To Attorney Representation &#8211; Mortgage Company Interference</title>
		<link>http://mortgage-modification-attorney.com/right-to-attorney-representation-mortgage-company-interference/</link>
		<comments>http://mortgage-modification-attorney.com/right-to-attorney-representation-mortgage-company-interference/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 06:59:10 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=89</guid>
		<description><![CDATA[The Obama administration and the banks are badmouthing &#8220;third-party modification companies.&#8221;The banks will do everything they can to convince you that you do not need representation. They will send forms directly to you without sending courtesy copies to your attorney or your modification company. They may send final settlement proposals directly to you and pretend [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home</title>
		<link>http://mortgage-modification-attorney.com/home/</link>
		<comments>http://mortgage-modification-attorney.com/home/#comments</comments>
		<pubDate>Sat, 28 Mar 2009 20:00:27 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=53</guid>
		<description><![CDATA[Click here for links to articles about mortgage modification.

Click here to read about my back ground as an attorney. (link toabout me under jamesrobertdeal.com/aboutme

Click here to read about my background as a mortgage broker. (link to about me under dealmortgage.net/aboutme)

Click here to read about my pro bono work as an environmental attorney working against water fluoridation. (link to fluoride)

More about mortgage modification:

Who qualifies for mortgage modification?  (link to More Information About Mortgage Modification)

Factors Which Affect the Mortgage Modification Outcome

What We Shoot For in Mortgage Modification

Some Examples of Modifiable Loans

Can You Handle Your Own Mortgage Modification?

Attorney-Based Mortgage Modification vs. Non-Attorney-Based Modification

When Should You File For Bankruptcy?

Modification of Credit Card Debt

Our Office Policies

Water fluoridation is an unhealth practice which has gone on for too long. (link to fluoride)

We should do comrehensive transportation planning. We should make a master plan for 2050. We should start building pieces of it right now. Everything we build should fit in as a piece of that plan. (link to http://comprehensive-transportation.blogspot.com/]]></description>
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