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Foreclosure Defense Florida

WATCHOUT! Misleading paperwork, bullying homeowners to vacate properties…

HUD-foreclosure-papers
A homeowner that receives the attached letter might be intimidated to think that they needed to leave the home within 20 days.
They would reasonably think that the letter was put at the direction of a federal agency, HUD.   My question is, who authorized this activity? did HUD tell this law firm to go around sending these letters?
Also curious is the first sentence which reveals the bigger problem….they’re not sure who might be the Wizard Behind The Curtain.
The Dark Side becomes more bold and aggressive and they create an even more dangerous condition out there in this country.
When will courts step in and provide protection to citizens from these kinds of abuses?
BRIDGES.Diane__20 Day HUD Notice
 
 
 

2 Comments

  • Attorney Wendy Alison Nora says:

    HUD is choosing to use 12 USC 3701, et seq. and particularly 12 USC 3751 to foreclose on homeowners nonjudicially, disregarding judicial foreclosure in the states which have judicial foreclosure. If anyone objects on constitutional grounds, the matter will be decided on federal preemption. I encourage homeowners in judicial foreclosure states to assert that federal law cannot preempt state land rights. Notice of challenge to the constitutionality of 12 USC 3751 is required. Private law firms have been appointed HUD “Foreclosure Commissioners.” Injunctions must be sought against these types of foreclosures, as in nonjudicial foreclosure states. Demand proof that HUD owns the mortgagee interest. If it does not, preemption cannot be claimed in the first instance.
    Also, in the case of the client who received this paperwork, the automatic stay in the GMAC/RESCAP bankruptcy is in play here. This is why I wanted to have homeowners oppose the modification of the automatic stay in the New York bankruptcy. The stay would prevent foreclosures while the matter of the ownership of the mortgagee interest is examined by the bankruptcy court. I currently do not know the status of the automatic stay.

  • Eligibility is a huge worry for some. The Student Loan Forgiveness Act’s settlement and forgiveness plan only applies to federal student loans. The Student Loan Ranger repeatedly distinguishes between federal and private loans and gives information on ease for federal loans that is already available.
    “¢ Student loans can be confusing, with many out of the ordinary types and and servicers. Consolidation exemplifies this perplexity. There are many options, but only one retains federal protections like income-driven settlement plans, deferments and forbearances, and forgiveness.
    If you are consolidating federal student loans, consolidate into a Federal Consolidation Loan. These would be eligible for the Student Loan Forgiveness Act’s 10/10 plan and improvements to Public Service Loan Forgiveness, and the interest rate cap would submit an application to new loans after the act is accepted. They also are eligible for the existing protections mentioned above.
    Keep in mind, however, that consolidating loans may reset any progress you’ve made toward relief like Public Service Loan Forgiveness. If you consolidate federal loans through a private service, they are not eligible for relief under the Student Loan Forgiveness Act, or for any presently available relief.
    A common point of confusion: Just because you make payments to lenders like Sallie Mae doesn’t mean you don’t have a federal loan. Log into the National Student Loan Data System (NSLDS) to see if you currently have a federal loan; it’s worth knowing if you can access some relief!
    If you’re repaying student loans and want to simplify the method by making a single check every month, we’re delighted to help. Likewise, if you’ve fallen on financial hardship, Student Loan Consolidation can help you weather your status by lowering monthly payments and avoiding a default. If you’re already in default, we can help with that, too.
    Our Consolidation team are professionals in providing the appropriate documentation needed to be submitted to the right channels. We have streamed lined the course of action and make it very simple. There are a number of programs available and will qualify you for the best one. Please contact us to see which Student Loan Debt Releif plan is best for you.

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