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Feldman Law Center ? The Specifics of President Obama?s Plan
President Obama’s historic presidency began in the midst of possibly the worst financial crisis since the Great Depression. The housing and real estate markets seemingly jumped off of a cliff, taking with it the financial stability of every other industry. Obama passed sweeping legislation to help homeowners make payments and deal with the financial crisis while staying in their homes. This plan in turn helps lenders who need homeowners to continue making their mortgage payments. A key part of this plan is the loan modification process, which now helps homeowners even more.
The federal government is relying heavily on loan modifications with the Helping Families Save Their Homes Act of 2009 and Making Home Affordable Program. Under these programs, current borrowers who are at imminent risk of default may qualify for a loan modification as long as the immanency of the default is tied to a specific event. By specific event, they mean a pending interest rate increase in your mortgage loan or a demonstrable change in economic situation such as your spouse losing his/her job or a severe medical condition.
Ultimately, the plan centers around the thought that struggling borrowers can stay in their homes as long as they make their monthly payments (regardless of the sharp decline in value). The plan has many backers, including billionaire Warrant Buffet. In a recent letter to shareholders, Buffet wrote “Commentary about the current housing crisis often ignores the crucial fact that more foreclosures do not occur because a house is worth less than its mortgage (so-called ‘upside-down’ loans). Rather, foreclosures take place because borrowers can’t pay the monthly payment that they agreed to pay.”
In the end, regardless of what the cause is for the foreclosures, homeowners are looking for ways to stay in their homes and everyone is hoping that Obama’s plan is the path toward that reality. For homeowners facing foreclosure, struggling to make payments, and overwhelmed by creditor and lender phone calls, having someone they can trust by their side could make a huge difference. During these difficult financial times, California loan modification attorneys are doing their best to be more than just an attorney; they are trying to be a confidante.
A California loan modification attorney can sit down with you and discuss your options and if any new options were opened up under the Obama plan. At the Feldman Law Center, our California loan modification attorney team is up to date with all federal and state laws governing loan modifications. FDIC loan modifications, California loan modifications and more all fall under our jurisdiction. We can help you find the program that’s right for you and your financial situation.
Millions of California residents are investigating California loan modifications as a possible solution to their financial troubles and as a way to avoid foreclosure. If you find yourself in this situation, you should contact a loan modification attorney and get as informed as you can about all the state and federal loan modification programs available to you.
Visit Feldman Law Center at feldmanlawcenter.com or call 800-588-0425.
About Feldman Law Center: The Feldman Law Center is owned and operated by Steven C. Feldman, attorney at law. Mr. Feldman has been a member of the California State Bar since 1983 and is well versed in federal loan modification law.
Bankruptcy Law Helpful Information The Young Law Group Pllc
What Is Bankruptcy?
Federal bankruptcy law (Title 11 of the United States Code, otherwise called the “Bankruptcy Code”) was enacted to allow the honest debtor, who is unable to meet his/her financial obligations, to obtain a fresh financial start or to reorganize his/her financial affairs. Bankruptcy law accomplishes this goal by providing debtors with a legally enforceable mechanism through which they may: (1) eliminate, reduce and/or extend most debt, and (2) protect themselves, subject to certain qualifications, during the bankruptcy case, from pursuit and harassment by their creditors. At the same time that bankruptcy law seeks to give relief to the debtor, it is also the goal of bankruptcy law to deal equitably with a debtor’s creditors by: (1) protecting the creditors against fraud, (2) treating similarly situated creditors in an equal manner, and (3) providing the creditors with constant notice and an opportunity to be heard during the bankruptcy case.
Who Can File for Bankruptcy Protection?
With only certain limited exceptions, an individual (alone or together as a married couple) or a business (a sole proprietorship, partnership, or corporation) may file for bankruptcy protection. While debtors filing for bankruptcy protection are usually “insolvent” (meaning that they are either unable to pay their debts as they become due, or that their liabilities are greater than their assets), insolvency is not a requirement for a voluntary bankruptcy filing.
What Are the Potential Benefits of a Bankruptcy Case?
A bankruptcy filing is often used as follows:
• By individuals to eliminate overwhelming credit card debt, medical bills, and other types of debt; • By individuals or businesses to save their house or other real property from foreclosure or to save their car or other assets from repossession; • By businesses, under a cash flow squeeze to obtain a “breathing spell” from their creditors in order to reorganize their financial affairs or to sell off assets; • By individuals or businesses to extend or resolve burdensome tax liability; and • By businesses to stop eviction from leased real property or repossession of leased equipment. The above uses of bankruptcy are not exclusive and a bankruptcy case can be used for other purposes. However, an individual or business contemplating filing a bankruptcy case should carefully review their goals with a bankruptcy attorney since bankruptcy law can be complex. A bankruptcy attorney will be able to determine whether the above goals can be achieved depending upon the particular circumstances of a situation.