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Using Nontraditional Credit Data

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The modern credit score carries with it so much meaning for most Americans that it has become part of our identities. Potential employers use it to gauge our trustworthiness and consistency. Creditors use it to determine whether to lend to us. Government agencies use it during security clearances and background checks. There is a lot […]

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Foreclosures Slowing Nationwide

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Looking at the statistics for April 2011, the pace of foreclosures and trustee sale notices has slowed dramatically compared to last year. In Los Angeles the rate is down a full 17.41%. This slowing of foreclosures, however, does not necessarily mean less families are in trouble. Many still are. Rather, the slowing is likely indicative […]

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Rent vs. Buy Calculator

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Depending on who you ask, it always seems to be a good time to buy real estate for one reason or the other. The current flavor of argument goes something like this: The housing market has either bottomed out or does not have too much further to fall; Mortgage interest rates are at historical record […]

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Loan Modification Law Firms Continue to Prey On Struggling Homeowners

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Two years ago another attorney and I filed the first Consumer Fraud complaint in Arizona against a California loan modification company. As a member of the California bar (as well as Arizona) I receive news from both states. California was quick to jump in and warn homeowners about the rampant loan modification scammers in the […]

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The Anti-Deficiency Law and Rental Properties

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I seem to get this question a lot and I always end up retyping the same answer via emails to potential clients or current clients. Therefore, let’s just settle this once and for all. Whether or not your property is your primary residence or used as a rental property, the anti-deficiency legislation applies with equal […]

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Robo-Signing Problems in Arizona?

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Some may recall when Bank of America halted all foreclosures nationwide last October after news began circulating that some servicers had employed shortcuts such as “robo-signing” during the foreclosure sale process. The problem for Arizona is that almost 100% of so-called “foreclosures” here are not really foreclosures at all. Rather, they are non-judicial sales initiated […]

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Why am I doing Chapter 13?

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This is a question I tend to get a lot from my clients who are in the middle of a Chapter 13. Most often, the question is from a client who otherwise qualified for a Chapter 7 but was intent on saving their home from foreclosure and decided to file under Chapter 13 to cure […]

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Property Tax Bills Finally Catching Up With Housing Crisis

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Arizona property-tax bills are in the mail and they finally are reflecting the decline in housing prices across the state.  Many wonder why it took so long for assessments to catch up with the market.  According to an article in the Arizona Republic, there is a two year lag.  The current property-tax bills are just […]

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California Bar Monitors Attorneys’ Loan Modification-Related Advertising

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As a member of the California Bar, I like to think that we are an honorable bunch of lawyers.  A recent article in the California Bar Journal illuminates an issue I have been speaking about for quite sometime.  Many of my fellow lawyers were annoyed by my preachiness and warnings not to get involved with […]

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