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.
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.
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.
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.
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