Loan Crises

Rena McDonald

During these hard economic times, we continue to see people of all ages concerned about their legal rights and obligations. The stigma that was once associated with foreclosure and bankruptcy is quickly dissipating as the number of effected individuals continue to rise. It is important to understand your legal rights and options.

Everyone has been affected by the recent mortgage crises. Predatory lending has impacted individuals of all ages across our valley. We see cases of individuals everyday that have been affected and are either in danger of losing their homes or are so upside down in their homes they are fearful of having no way out. A loan modification may be the solution.

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Protecting your Home

Rena McDonald

Can I get my House for Free?

The confusing part of this issue is that the legal theory behind these lawsuits is correct. The banks and mortgage companies are required to follow both state and federal guidelines regarding your loans or when foreclosing on a home. For example, the banks are required to produce copies of your original documents within thirty (30) days of you requesting that they do so. Many banks, partly because the loans have been transferred multiple times, can’t do this. In most states they also require the person signing off to have physical possession of or to have reviewed the original loan documents. The news has been full of whistler blowers and industry insiders crying foul on the part of the banks for failing to meet these requirements.

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Automobile Accidents

Rena McDonald

Auto accidents can be a sudden and frightening experience and unfortunately, at some point in almost everyone’s life they will be involved in an auto accident. Below is a short list of things to do immediately following an accident.

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Estate Planning

Rena McDonald

Do I need estate planning?

The short answer is yes. If you care what will happen to the assets your worked your entire life to procure, then you must make reparations. Estate planning is more important today than ever.

If you pass away and you have not done any estate planning the legal term for your estate is intestate. There is a statutorily mandated scheme that divides your assets amongst your heirs. Having a will is one step up. It will allow you to specify to whom you want certain assets to go. So if you want your granddaughter to get your jewelry you can specify that in a will.

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