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S3: FHA Loss Mitigation (PowerPoint)

For advocates newer to handling mortgage and foreclosure cases, gaining a clear understanding of the rules of loss mitigation is a crucial step. This intensive will cover the basics of loss mitigation terminology and the background loan modification rules for FHA and Fannie Mae and Freddie Mac mortgages. Understanding the rules that existed prior to the pandemic will allow advocates to better understand the pandemic-related overlays that have been created.

S2: Loan Modification Basics and Loss Mitigation for Fannie Mae and Freddie Mac Loans (PowerPoint)

For advocates newer to handling mortgage and foreclosure cases, gaining a clear understanding of the rules of loss mitigation is a crucial step. This intensive will cover the basics of loss mitigation terminology and the background loan modification rules for FHA and Fannie Mae and Freddie Mac mortgages. Understanding the rules that existed prior to the pandemic will allow advocates to better understand the pandemic-related overlays that have been created.

Template for Request for Information on Escrow Accounts

For advocates newer to handling mortgage and foreclosure cases, gaining a clear understanding of the rules of loss mitigation is a crucial step. This intensive will cover the basics of loss mitigation terminology and the background loan modification rules for FHA and Fannie Mae and Freddie Mac mortgages. Understanding the rules that existed prior to the pandemic will allow advocates to better understand the pandemic-related overlays that have been created.

Waterfall Worksheet - Flex Modification

For advocates newer to handling mortgage and foreclosure cases, gaining a clear understanding of the rules of loss mitigation is a crucial step. This intensive will cover the basics of loss mitigation terminology and the background loan modification rules for FHA and Fannie Mae and Freddie Mac mortgages. Understanding the rules that existed prior to the pandemic will allow advocates to better understand the pandemic-related overlays that have been created.

ALAS FHA Loss Mitigation Calculator

For advocates newer to handling mortgage and foreclosure cases, gaining a clear understanding of the rules of loss mitigation is a crucial step. This intensive will cover the basics of loss mitigation terminology and the background loan modification rules for FHA and Fannie Mae and Freddie Mac mortgages. Understanding the rules that existed prior to the pandemic will allow advocates to better understand the pandemic-related overlays that have been created.

ALAS GSE Flex Mod Calculator

For advocates newer to handling mortgage and foreclosure cases, gaining a clear understanding of the rules of loss mitigation is a crucial step. This intensive will cover the basics of loss mitigation terminology and the background loan modification rules for FHA and Fannie Mae and Freddie Mac mortgages. Understanding the rules that existed prior to the pandemic will allow advocates to better understand the pandemic-related overlays that have been created.

Session 3: FHA’s Loss Mitigation Waterfall—Problem Set & Cheat Sheet

For advocates newer to handling mortgage and foreclosure cases, gaining a clear understanding of the rules of loss mitigation is a crucial step. This intensive will cover the basics of loss mitigation terminology and the background loan modification rules for FHA and Fannie Mae and Freddie Mac mortgages. Understanding the rules that existed prior to the pandemic will allow advocates to better understand the pandemic-related overlays that have been created.

Pre-Conference Intensive B: Loan Mods 101, pt. 2 (Video)

For advocates newer to handling mortgage and foreclosure cases, gaining a clear understanding of the rules of loss mitigation is a crucial step. This intensive will cover the basics of loss mitigation terminology and the background loan modification rules for FHA and Fannie Mae and Freddie Mac mortgages. Understanding the rules that existed prior to the pandemic will allow advocates to better understand the pandemic-related overlays that have been created.

Pre-Conference Intensive B: Loan Mods 101, pt. 3 (Video)

For advocates newer to handling mortgage and foreclosure cases, gaining a clear understanding of the rules of loss mitigation is a crucial step. This intensive will cover the basics of loss mitigation terminology and the background loan modification rules for FHA and Fannie Mae and Freddie Mac mortgages. Understanding the rules that existed prior to the pandemic will allow advocates to better understand the pandemic-related overlays that have been created.

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Complaint (Wood v. GC Services Limited Partnership, Case No. 4:16-cv-00033)

This action is brought by Plaintiff for actual damages, statutory damages, and civil penalties against Defendant GC Services Limited Partnership, for violation of the Fair Debt Collection Practices Act, 15 U.S.C. §§1692 et seq. (“FDCPA”), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices, and requires the communication of specific statutory rights, and the North Carolina Collection Agency Act, N.C.G.S. § 58-70-90 et seq. (“NCCAA”).

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Complaint (Hinton v. National Recovery Solutions, LLC, Case No. 1:17-cv-784)

This action is brought by Plaintiff for actual damages, statutory damages, and civil penalties against Defendant National Recovery Solutions, LLC, for violation of the Fair Debt Collection Practices Act, 15 U.S.C. §§1692 et seq. (“FDCPA”), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices, and requires the communication of specific statutory rights, and the North Carolina Collection Agency Act, N.C. Gen. Stat. § 58-70-90 et seq. (“NCCAA”).

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Complaint (Clark v. Absolute Collection Service Inc.)

This action is brought by Plaintiffs, on behalf of themselves and all others similarly situated, for statutory damages against Defendant Absolute Collection Service, Inc. for violation of the Fair Debt Collection Practices Act, 15 U.S.C. §§1692 et seq. (hereinafter referred to as "FDCPA"), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices.

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Complaint (Manning v. U.S. Bank Trust Nat'l Ass'n, Bankruptcy Case No. 11‐80847)

Plaintiff seeks relief under the Bankruptcy Code, 11 U.S.C. § 101 et seq., the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”), the North Carolina Debt Collection Act, N.C.Gen.Stat. § 75‐50 et seq. (“NCDCA”), and the North Carolina Collection Agency Act, N.C.Gen.Stat. § 758‐70 et seq. (“NCCAA”).

Complaint (Grey v. Central Credit Services, LLC, Case No. 1:18‐cv‐00774)

This action is brought by Plaintiff for actual damages, statutory damages, and civil penalties against the Defendant Central Credit Services, LLC (“Defendant”), for violation of the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692 et seq. (“FDCPA”) and the North Carolina Collection Agency Act, N.C.Gen.Stat. §§ 58‐70‐1 et seq. (“NCCAA”), which prohibit debt collectors and collection agencies from engaging in abusive, deceptive, and unfair practices.

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Complaint (Vacher v. Optimum Outcomes, Inc., Case No. 5:17-cv-00119)

This action is brought by Plaintiff for actual damages, statutory damages, and civil penalties against the Defendant Optimum Outcomes, Inc.(“Defendant”), for violation of the Fair Debt Collection Practices Act, 15 U.S.C. §§1692 et seq.(“FDCPA”) and the North Carolina Collection Agency Act, N.C.G.S. §§ 58-70-1 et seq.(“NCCAA”), which prohibit debt collectors and collection agencies from engaging in abusive, deceptive, and unfair practices.