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	<title>Mortgage Modification - Bankruptcy - Creative Financing</title>
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	<link>http://mortgage-modification-attorney.com</link>
	<description>By James Robert Deal - Attorney</description>
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		<title>New York Sues 3 Big Banks Over Mortgage Database</title>
		<link>http://mortgage-modification-attorney.com/york-sues-3-big-banks-mortgage-database/</link>
		<comments>http://mortgage-modification-attorney.com/york-sues-3-big-banks-mortgage-database/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 15:38:02 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[MERS]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1086</guid>
		<description><![CDATA[February 3, 2012 New York Sues 3 Big Banks Over Mortgage Database By REUTERS Attorney General Eric T. Schneiderman of New York sued three major banks on Friday, accusing them of fraud in their use of an electronic mortgage database that he said resulted in deceptive and illegal practices, including false documents in foreclosure proceedings. [...]]]></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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		<title>Facing Foreclosure? You May Have Options</title>
		<link>http://mortgage-modification-attorney.com/facing-foreclosure-options/</link>
		<comments>http://mortgage-modification-attorney.com/facing-foreclosure-options/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 13:46:00 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Foreclosure Defense]]></category>
		<category><![CDATA[foreclosure defense]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1079</guid>
		<description><![CDATA[&#160; Facing Foreclosure? You May Have Options If yours is one of the nation’s estimated 14 million troubled mortgages, it can seem as though you are running out of options. But help may be on the way: “Homeowners unable to meet their current mortgage payments may have a new remedy. Many lenders are showing a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<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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		<slash:comments>0</slash:comments>
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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>
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		<title>Bankruptcy &amp; Taxes</title>
		<link>http://mortgage-modification-attorney.com/bankruptcy-taxes/</link>
		<comments>http://mortgage-modification-attorney.com/bankruptcy-taxes/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 06:00:03 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1071</guid>
		<description><![CDATA[What Can I Do When Bankruptcy Doesn’t Get Rid Of The Tax?  by Kent Anderson, Oregon Bankruptcy Attorney Bankruptcy can stop collection and eliminate tax debt in many situations. For more details on tax discharge see the article I wrote about Bankruptcy Tax Discharge on my personal site. While bankruptcy can be a very useful tool in [...]]]></description>
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		<slash:comments>0</slash:comments>
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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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		<item>
		<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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		<item>
		<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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		<title>Attorney Shawn Newman on Foreclosure Defense</title>
		<link>http://mortgage-modification-attorney.com/attorney-shawn-newman-on-foreclosure-defense/</link>
		<comments>http://mortgage-modification-attorney.com/attorney-shawn-newman-on-foreclosure-defense/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 19:19:48 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[foreclosure defense]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1034</guid>
		<description><![CDATA[Mortgage wizard interviews Attorney Shawn Newman on foreclosure defense.]]></description>
		<wfw:commentRss>http://mortgage-modification-attorney.com/attorney-shawn-newman-on-foreclosure-defense/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="http://s3.amazonaws.com/iehi-video-mli/mandelman/Shawn_Newman_Podcast.mp3" length="27381887" type="audio/mpeg" />
		</item>
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		<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>
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		<item>
		<title>Mediation law will help modify loans</title>
		<link>http://mortgage-modification-attorney.com/mediation-law-modify-loans/</link>
		<comments>http://mortgage-modification-attorney.com/mediation-law-modify-loans/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 13:22:25 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mediation]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1021</guid>
		<description><![CDATA[On July 22, 2011, the state of Washington enacted the foreclosure mediation program, RCW 61.24.130. Among other things it states: … the parties have a duty to mediate in good faith and that failure to mediate in good faith may impair the beneficiary&#8217;s ability to foreclose on the property …. [T]he mediator must require the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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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		<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>
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		<item>
		<title>Romney on Foreclosures &#8211; Bring Them On</title>
		<link>http://mortgage-modification-attorney.com/romney-foreclosures-bring/</link>
		<comments>http://mortgage-modification-attorney.com/romney-foreclosures-bring/#comments</comments>
		<pubDate>Sun, 27 Nov 2011 12:34:51 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Foreclosure]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1014</guid>
		<description><![CDATA[November 26, 2011    -    New York Times Mr. Romney on Foreclosures Since the housing bubble began to burst six years ago, prices nationwide have fallen by a third. Nearly $7 trillion of home equity has been wiped out. Currently, some 14.7 million homeowners owe $700 billion more on their mortgages than their homes are worth. [...]]]></description>
		<wfw:commentRss>http://mortgage-modification-attorney.com/romney-foreclosures-bring/feed/</wfw:commentRss>
		<slash:comments>0</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>
		</item>
		<item>
		<title>JR, am I going to lose my house?</title>
		<link>http://mortgage-modification-attorney.com/jr-lose-house/</link>
		<comments>http://mortgage-modification-attorney.com/jr-lose-house/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 07:07:34 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Mortgage Mediation]]></category>
		<category><![CDATA[Wells Fargo]]></category>
		<category><![CDATA[mortgage mediation]]></category>

		<guid isPermaLink="false">http://mortgage-modification-attorney.com/?p=1006</guid>
		<description><![CDATA[11-21-11 From NG: Dear James, My daughter was here this evening  and we were discussing how our loan modification is going right now, explained to her how mediation works. She is so worried that we&#8217;ll lose the house. I told her not to worry and not to lose hope because if the mediation fails then [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<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>
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		<slash:comments>0</slash:comments>
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