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Form 1 Pre-Filing Notification to Creditors of Representation (Bankruptcy Basics)

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Form 11 Motion and Order for Additional Time to File Chapter 13 Schedules, Other Documents and Information Required Under 11 U.S.C. § 521(a)(1) (Bankruptcy Basics)

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Form 9 Motion and Order for Extension of Time to File Schedules and Other Required Documents (Bankruptcy Basics)

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Form 8 Motion for Exemption from Credit Counseling and Financial Education Requirement Based on Incapacity, Disability, or Active Military Duty (Bankruptcy Basics)

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Form 7 Debtor’s Motion for Temporary Waiver of Credit Counseling Requirement Based on Exigent Circumstances (Bankruptcy Basics)

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Form 12 Motion to Excuse Filing of Lost or Unavailable Payment Advices (Bankruptcy Basics)

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Form 14 Motion to Keep Prior Name Confidential

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Form 10 Motion and Order for Extension of Time to File Chapter 13 Schedules and Other Required Documents

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.

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Michigan Federal Class Action Complaint Concerning Land Contracts (Vision Property Management)

This is a 2021 first amended complaint in a class action involving land contracts, filed against Vision Property Management in federal court in Michigan. This action arises out of Vision’s discriminatory targeting of Black homebuyers for abusive credit terms in home purchase transactions. Promising these prospective home buyers the American dream of homeownership, Vision ensnared residents in predominantly Black Detroit-area communities in predatory and discriminatory contracts that were structured to fail.

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Georgia Federal Complaint Concerning Land Contracts (Harbor Portfolio)

This is a 2017 second amended complaint against Harbour Portfolio in an action involving land contracts, filed on behalf of a number of African-Americans in federal court in Georgia. The action arises out of Harbour Portfolio’s discriminatory targeting of African-American consumers for abusive credit terms in home purchase “contract for deed” transactions, both by intentional targeting and by utilizing practices that have a foreseeable disparate impact on African-American consumers.

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State of North Carolina Complaint Concerning Deceptive Home Sale and Leaseback (Stallings)

This is a state UDAP action brought by the North Carolina attorney general for an injunction, restitution, and civil penalties involving the purchase and lease back of real property that utilized misrepresentations and other unfair and deceptive practices targeting and exploiting vulnerable consumers, most of whom were experiencing financial distress and/or other personal hardships.

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Plaintiffs’ Opposition to Defendant’s Motion to Dismiss (Moore v. JPMorgan Chase Bank)

Brief supporting an EFTA claim for an unauthorized transfer between two of the consumer's accounts followed by a wire transfer. The brief rebuts the argument that the internal transfer was not unauthorized under the definition of 15 U.S.C. § 1693b(12) and Reg. E, 12 C.F.R. § 1005.2(m) because the consumer received a benefit and because the wire transfer was a separate transaction that had to be analyzed independently.