Spotting and Investigating the Legal Issue

CFPB Rules on the Real Estate Settlement Procedure

Millions of homeowners are still coping with mortgage foreclosures and mortgage modifications. On January 14,2014 new CFPB rules under the Real Estate Settlement Procedures Act (RESPA) go into effect comprehensively regulating mortgage servicers. Violations of these new rules give homeowners a right to sue in federal court for actual and statutory damages and attorney fees. Learn about the rules that will give homeowners new remedies against banks and other servicers for the paperwork shuffle and runaround that is still all too common.

Transferring Mortgages and Notes

Before an attorney can effectively defend against foreclosure on the basis of faulty assignment, he or she must fully understand the process of transferring mortgages and notes. This FREE webinar is designed for legal aid attorneys who are working to ensure their clients have the opportunity to keep their homes.

What You Will Learn

Through this course you will learn:

Attacking First Party Ticket Scalping

First-party ticket scalping is the practice of collecting more than the established price of a ticket in the original sale. The fees added on to the price of a ticket to a concert or sporting event can be as much as 50% of the ticket price itself, and these “service charges” or “convenience fees” may be part of a scheme to pay kickbacks to venues and promoters. This webinar will discuss first-party ticket scalping from a consumer law perspective.

Foreclosure Prevention Conversations: Creating Realistic Expectations

One of the most important things that you can do for struggling homeowners facing foreclosure is to help them understand and accept the feasibility of keeping their home. These conversations can be very difficult but they are an essential early step in any foreclosure prevention case. In this webinar, the presenters will discuss how to work with clients dealing with foreclosure to assess the best long-term solutions, including loan modification.

Litigating Disparate Impact Claims Post-ICP

By a 5-4 vote the United States Supreme Court confirmed that disparate impact claims are cognizable under the Fair Housing Act. The Court’s ratification of this long-recognized legal theory protects a powerful tool used by consumer advocates to challenge discrimination in the mortgage, insurance and auto marketplace. At the same time, however, the Court articulated certain limits on the proper use of the doctrine; the meaning of those statements is certain to be litigated heavily in the months and years ahead.

Loan Modification Misconduct Litigation

Despite the creation of national servicing standards under HAMP, the National Mortgage Settlement, and CFPB regulations (effective January 10, 2014), servicers continue to mishandle loan modification applications. This course will present claims and litigation strategy associated with loan modification misconduct. Claim analysis includes breach of contract and other common law claims, UDAP, ECOA, Fair Credit Reporting and other statutory claims. Litigation strategy includes how to keep your client in their home during litigation, discovery strategies, and settlement strategies.

Loss Mitigation Servicing Transfers and Loan Sales

As big mortgage servicers sell off blocks of servicing rights or sell loans to toxic debt buyers who focus on liquidation and discourage modification, advocates face complex questions about what happens to loss mitigation that is already underway (or not yet started). This webinar will cover loss mitigation and modification related issues that arise when servicing is transferred or loans are sold, including:

Internet Payday Lending

Once limited to highly-visible signs and convenient neighborhood locations, payday loans beckoned borrowers with promises of quick cash and no credit checks. With the continued spread of Internet access, the business of payday lending has evolved and into a digital industry. Hiding behind the anonymity the Internet provides, lenders operate predatory practices that challenge enforceability.The uneducated borrower is provided with the ability to secure a much-needed loan; however, far less noticeable are the loan terms that include high-cost fees and triple-digit interest rates.

Student Loans: Is Bankruptcy the Right Choice

According to the Department of Education, more than one trillion dollars is owed by student borrowers and nearly seven million borrowers are in default. Student loan borrowers are looking for relief, yet many lawyers choose not to take student loan cases because they believe that most student loan cases are really just bankruptcy cases in disguise. Knowing when and when not to recommend bankruptcy is crucial for successfully resolving student loan debt cases.

Student Loan Law Basics

What You Will Learn

  • Types of student loans: Federal vsPrivate
  • The Players
  • Types of Federal Loans
  • Delinquency and default aversion: Temporary and Permanent
  • Consequences of default
  • Curing default
  • Staying out of Default
  • Protecting borrower’s rights
  • Public Service Loan Forgiveness

Presenter

Josh Cohen in a nutshell:B.A. in psychology from Brandeis University '96 M.B.A. from the University of Phoenix '02 J.D.

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