Category Archives: Uncategorized

February Newsletter Breaks Down the “Widows & Orphans” Issue and Takes Advocates Step-by-Step through Representing Successors-in-Interest

The HBOR Collaborative’s February Newsletter provides an overview of the “Widows & Orphans” issue. Collaborative member NCLC has written a primer on advocating for successors-in-interest throughout the loss mitigation process. The newsletter also includes summaries of important federal cases and regulatory updates, including the recent HUD mortgagee letter addressing non-borrowing, surviving spouses of reverse mortgage […]

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January Newsletter Explains Reasonable Accommodation Fair Housing Law Applied to Mortgage Servicing

The HBOR Collaborative’s January Newsletter provides an overview of the Fair Housing Amendments Act’s reasonable accommodation protections as applied to mortgage servicing. It considers, for example, an advocate’s potential arguments against a servicer who denies a cognitively disabled borrower additional time to submit a modification application. The newsletter also includes summaries of important state and […]

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December Newsletter Updates Advocates on the CFPB’s Payoff Statement Rule

The HBOR Collaborative’s December Newsletter includes an article from Collaborative member the National Consumer Law Center on the new payoff statement rule, part of the CFPB mortgage servicing rules that became effective earlier this year. It also includes summaries of recent cases, including Mendoza, Rahbarian, and In re Rivera. December 2014 Newsletter   In this issue—NCLC’s […]

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Join Us for Saving Homes in Bankruptcy

Saving Homes in Bankruptcy Join us for a webinar on Jan 13, 2015 at 12:00 PM PST. Register now! https://attendee.gotowebinar.com/register/6442488690414694146 Bankruptcy is one of the most effective tools for preventing foreclosure. From the automatic stay to the ability to cure mortgage arrears, bankruptcy can help save homes. But the power of bankruptcy goes beyond these […]

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November Newsletter Updates Borrowers on the CFPB’s Periodic Statement Rule

The HBOR Collaborative’s November Newsletter includes an article from Collaborative member the National Consumer Law Center on the new periodic statement rule, part of the CFPB mortgage servicing rules. It also includes summaries of recent cases, including important and published Court of Appeal cases on the one-form-action rule, homeowner association foreclosures, and a pre-foreclosure Glaski claim. We […]

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October Newsletter Includes Updated Litigating under HBOR Practice Guide

The Collaborative has updated its practice guide, Litigating under the California Homeowner Bill of Rights & Nonjudicial Foreclosure Framework and has included it as part of our October newsletter. The update includes a new Glaski section and expanded discussions of negligence and attorney’s fees. This nearly 50-page guide is a comprehensive collection of the most recent case law […]

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September Newsletter Breaks Down new Mortgage Servicing Comparison Chart

The HBOR Collaborative’s September Newsletter includes an article describing the Collaborative’s new mortgage servicing comparison chart, highlighting usage tips, explaining the most important concepts, and briefly discussing which bodies of law are “better”: the CFPB mortgage servicing rules, California’s Homeowner Bill of Rights, or the National Mortgage Settlement. The newsletter also includes summaries of recent […]

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HBOR Collaborative Releases 2014 Mortgage Servicing Rules Comparison Chart

This chart compares mortgage servicing rules from the new Consumer Financial Protection Bureau (RESPA & TILA), California’s Homeowner Bill of Rights, and the National Mortgage Settlement. It comprehensively covers all aspects of the foreclosure process and can be used as a quick reference guide for advocates weighing which laws to cite in demand letters, or […]

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August Newsletter Highlights Reverse Mortgage Upheaval at HUD

The HBOR Collaborative’s August Newsletter includes an article from NHLP summer clerk Henna Choi. She discusses major developments in the reverse mortgage world, highlighting the plight of surviving, non-borrowing spouses who face foreclosure after the death of their borrower-spouse. We also include summaries of recent cases and a regulatory update. In this issue—Update on the […]

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California Court of Appeal Agrees with NHLP Amicus Brief in Finding Duty of Care in Loan Modification Process

In Alvarez v. BAC Home Loans Servicing, NHLP, Housing and Economic Rights Advocates, and the Jerome N. Frank Legal Services Organization submitted an amicus brief in support of a homeowner who was improperly denied a loan modification by Bank of America. In finding that a loan servicer such as Bank of America must properly handle modification […]

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