This article advises homeowners on steps to take after natural disasters: addressing immediate needs; FEMA aid and other sources of help and grants; avoiding insurance, home repair, and municipal code problems; floodplain requirements; handling long-term financial difficulties; and preparing for the next natural disaster.

Electronic agreements in consumer transactions are on the rise, raising enforceability issues, especially for e-signatures gathered in person and for such terms and conditions as limitations on a consumer's remedies, whether the consumer has agreed to an arbitration clause or consented to receive robocalls and texts. This article sets out six keys to challenging electronic terms and conditions.

Home equity “investment” (HEI) loans are a growing predatory loan scam. Homeowners are offered cash without monthly payments, but these loans’ true cost can be astronomical. This article examines recent Ninth Circuit and other court decisions upholding claims against HEI loans and provides practice pointers in suing HEI lenders, including claims, successfully framing a complaint, and how to avoid arbitration.