Steve Vondran's (phoenixforeclosureandbankruptcy) Blog

THIS IS IT FOLKS, LAST CHANCE FOR NO ADVANCE FEE LOAN MODIFICATIONS ON WACHOVIA AND WORLD SAVINGS LOANS.  THIS IS THE "MAP" REVIEW AND NOT THE HAMP REVIEW.  IF YOU HAVE A WACHOVIA OPTION ARM LOAN OR WORLD SAVINGS OPTION ARM LOAN, AND YOU WANT TO BE CONSIDERED FOR MAP REVIEW, THIS IS THE END OF T...

HOMEOWNER WARNING: STOP TRUSTING THE BANKS - THEY WILL FORECLOSE ON YOU WITHOUT HESITATION, WITHOUT WARNING, AND WITHOUT FOLLOWING THE FORECLOSURE LAWS. We have been getting a slew of calls from Arizona and California homeowners calling us after their house has been sold at a foreclosure sale.  ...

  We are getting more and more calls from people who have decided to give up on the hopes of principal loan balance reduction (we have always told people principal loan balance reductions are like a bigfoot sighting) and instead seek to short sell their property letting the bank deal with the pro...

FORECLOSURE ISSUES: CAN A LENDER PURSUE A DEFICIENCY JUDGMENT IN ARIZONA?  GENERAL LEGAL PRINCIPLES BY STEVE VONDRAN ATTORNEY. Mr. Vondran is licensed to practice law in California and Arizona and maintains an office in Newport Beach, California and Phoenix, Arizona. He currently practices in th...

  By Real Estate Attorney Steve Vondran.  Our firm currently handles Real Estate, Foreclosure, and Chapter 7 Bankruptcy cases in California and Greater Phoenix Arizona.  We can be reached at (877) 276-5084 or steve@vondranlaw.com Sign a listing agreement between the real estate agent and the hom...

FORECLOSURE DEFENSE BASICS: UNDERSTANDING THE HOME AFFORDABLE FORECLOSURE ALTERNATIVES PROGRAM (HAFA), SHORT SALES, DEED IN LIEU OF FORECLOSURE AND DEFICIENCY JUDGMENTS   So many homeowners are fighting for reasonable loan modifications that will save their homes from foreclo...

HAMP REPORT CARD IS IN - PARTICIPATING HAMP LENDERS AND LOAN SERVICERS SIMPLY DONT MAKE THE GRADE WHEN IT COMES TO PROVIDING PERMANENT LOAN MODIFICATIONS.  IS ANYONE SURPRISED HERE? First let’s take a look at the official government spin on the progress made under HAMP.  You can check out this l...

Folks, this is it, our good fortune with World Savings and Wachovia Option Arm Loans will be coming to a close at the end of March 2010.  This is it.  If you have a World Savings or Wachovia Option Arm loan, and you have been trying to obtain a reasonable loan modification, or even if you have b...

WHAT LAWYERS WHO REPRESENT LENDERS AND LOAN SERVICERS REALLY THINK ABOUT YOUR ATTEMPT TO FIGHT TO SAVE YOUR HOME FROM FORECLOSURE Here is a recent email exchange I had with one of the large lender/loan servicers in regard to asserting my Client’s Truth in Lending rescission rights. This email al...

Unfortunately, court says "no way" and declares THERE IS NO REQUIREMENT THAT THE ANYONE PRODUCE THE ORIGINAL PROMISSORY NOTE AS A PRE-REQUISITE TO PURSUING A PRIVATE TRUSTEE SALE.  Here are a few snipets from the case:  MY COMMENTS ARE IN BOLD AND MERELY REPRESENT MY OPINION.  Chilton v. Federal...