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Trending Topics


NCLC has compiled resources for advocates navigating trending consumer law topics. Resources include free NCLC articles, links to relevant NCLC treatise material, pleadings and discovery, written submissions from past NCLC conferences, some of which is free to the consumer law community and some is restricted to vetted practitioners, and more.

View NCLC's aggregated lists of resources on these issues below:

Tangled Titles | Zombie Second Mortgages | Property Tax Foreclosure | Natural Disasters 

Tangled Title

A significant number of homeowners do not have a deed in their name, which puts them at risk of losing their home to a variety of threats. Tangled title situations can occur when homes are passed on from generation to generation without a will or without the filing of a probate petition. Sometimes, even when a homeowner passes away with a will, probate delays may drag on for a year or longer, keeping a home’s title unclear.

NCLC has compiled key resources from the Digital Library and beyond, including free articles, conference materials, treatise subsections, and more. 


photo of the exterior of a one story single family home



photo of a neighborhood shot from above

Zombie Second Mortgages

As the name suggests, zombie mortgages can be terrifying. They rise from the dead, appear without warning, and seize homes. And they are appearing now more than ever. 

View resources from NCLC on zombie second mortgages, including NCLC conference materials, complaints, free NCLC articles, and more. 



Property Tax Foreclosures

A May 25, 2023, Supreme Court decision highlights the unique issues surrounding property tax foreclosures. NCLC is providing a key resource page on property tax issues, including homeowner tactics to avoid or respond to a tax foreclosure—which involve different approaches and procedures than for a mortgage foreclosure.  

Resources include free access to a general chapter on property tax foreclosures, an article and other information on the 2023 Supreme Court ruling, key reports, relevant expert submissions at NCLC conferences, and links to appropriate sections of Home Foreclosures (2d ed. 2023) and to related websites.


a photo of a two story house with autumnal decorations




photo of people on a ladder painting a house purple

Disaster Resources

Hurricanes, wildfires and other natural disasters strike unexpectedly and put entire communities at risk. When natural disaster occurs, advocates need resources to defend consumers in affected areas.

See free publications from NCLC targeted toward advocates assisting victims of natural disaster.


stack of books in the NCLC Consumer Law Practice Series that pertain to housing: Home Foreclosures, Mortgage Servicing and Loan Modifications, and Mortgage Lending


The Consumer Law Practice Series: Housing Library

NCLC's Consumer Law Practice Series includes three treatises on housing issues: Mortgage Servicing and Loan Modifications, Home Foreclosures, and Mortgage Lending. Each title is available in print and continuously updated digital format on the NCLC Digital Library. View the table of contents and read the first chapter of each book. Subscribe to add the title to your Digital Library instantly.

Legal aid and nonprofit subscribers receive 50% off. Contact [email protected] to subscribe with your special discount.

Mortgage Servicing and Loan Modifications 


cover of NCLC's Mortgage Servicing and Loan Modifications

New 2023 Edition

The most complete and up-to-date treatise on the new loan modification programs and rights to deal with mortgage servicers. Includes detailed analysis on homeowner rights and remedies dealing with mortgage servicers, as well as rights to delay and modify mortgage payments.

Home Foreclosures


cover image of NCLC's Home Foreclosures

New 2023 Edition

NCLC's definitive treatise on all aspects of home foreclosures, with new analysis on zombie second mortgages, new developments on the statute of limitations defenses to foreclosure, COVID-related foreclosure defense protections, the limits of the Merrill doctrine, and more.