What is Force-placed Insurance or Lender-Placed Insurance? It’s Not Good for Florida Home Owners. Here’s Why.

Larry Tolchinsky | May 15, 2012

Where will all the strings of Foreclosure Fraud end?  Who knows, because more and more issues just keep popping up from the huge mortgage fraud mess in Florida and across the country.  The latest?  Forced-placed insurance, also known as Lender-placed insurance, and the sneaky burdens it’s creating for American families and Florida home owners. What [...]

Florida Supreme Court to Decide Sanctions for Foreclosure Fraud Documents Filed by Big Bank: Pino v. Bank of New York – Big Question for All Florida Foreclosure Fraud Victims

Larry Tolchinsky | May 8, 2012

Next Thursday, the Florida Supreme Court will hear oral arguments in a big Florida foreclosure defense case – so big, in fact, that lots of banks are complaining to the news media that there will be a huge state-wide financial crisis if the Florida Supreme Court sides with the Average Joe citizen who’s fighting this [...]

Florida Hardest Hit Fund – New Expanded Version Waits for Fed Approval. Will It Help You?

Larry Tolchinsky | May 3, 2012

Last Friday, the State of Florida powers-that-be announced that they were revamping the Hardest Hit Fund for Florida residents, making eligibility requirements easier to meet for lots of Floridians.   Which is good news if you are past due on your mortgage payments, right? What’s the Florida Hardest Hit Fund? Go here for our earlier post [...]

Florida Attorney General Pam Bondi Asks for Public Input on How to Spend Part of Foreclosure Fraud Settlement: Don’t Think This Means That Florida Is Finished With Foreclosure Fraud / Robosigning Problems: Not By a Long Shot.

Larry Tolchinsky | May 1, 2012

Florida Attorney General Pam Bondi issued a news release yesterday (you can read the full text of her press release below) that asks Floridians to help decide how the big fat settlement from the five big banks (Ally/GMAC;Bank of America; Citi; JPMorgan Chase; and Wells Fargo) for all their Foreclosure Fraud (robosigning, etc.) evildoing activities [...]

Florida Newspaper Calls for Foreclosure Fraud Criminal Prosecutions of Five Big Banks Regardless of AG Settlement: Here’s Why and Why That’s Not Enough

Larry Tolchinsky | April 10, 2012

The Tampa Bay Times published an editorial this week that details the flagrant evildoing that banks and financial institutions as well as mortgage servicers in this country have been orchestrating over the years, and how it has hurt the country, and particularly Florida home owners.  In an editorial entitled, “Banks’ foreclosure deceptions go deep,” the [...]

Florida AG Bondi Says State AG’s Bank Foreclosure Fraud Settlement Is Big Accomplishment But Most Floridians Are Not Going to See A Dime and Many are Reportedly Getting Angry About It

Larry Tolchinsky | March 13, 2012

Yesterday in a Washington, D.C., federal courthouse, the formal settlement documents were filed of record in the State Attorneys General – Big Banks Foreclosure Fraud Settlement Deal, where the five big national banks (Ally Financial, Bank of America, Citgroup, JPMorgan Chase, Wells Fargo) agreed to pay a certain amount of money in exchange for being [...]

Florida Foreclosure – Beware Banks Not Providing Proper Cancellation of Note (the “Zombie Note”): More Widespread Violations of Florida Law

Larry Tolchinsky | March 6, 2012

Here in Florida, we have a snowball that just keeps rolling along, getting bigger and bigger: the national spotlight is finally noticing a big problem that Florida real estate attorneys representing Florida home owners in things like foreclosure defense and short sale counseling have known for a long time:  it’s not just bad real estate [...]

Florida Homes Foreclosed by Federal Government Become Rentals: FHFA Invites Landlords in Pilot Phase of New Fed Program While Congress Asks FHFA to Start Working With Underwater Homeowners

Larry Tolchinsky | February 28, 2012

The Federal Housing Finance Agency (FHFA), the federal agency that regulates the housing market in this country, is going to begin selling homes that have been foreclosed upon by Fannie Mae to vetted investors in certain parts of the country now, as part of its test run – or pilot phase – of the new [...]

Future of Florida Deficiency Judgments on Florida Home Mortgages – Will New Laws Limit or End Bank’s Ability to Sue for Unpaid Mortgage Balance?

Larry Tolchinsky | February 23, 2012

This week, the proposed Florida Fair Foreclosure Act got one step closer to becoming law when the Florida State Senate Judiciary Committee okayed the foreclosure bill.  In the near future, the Florida Legislature should be voting on this proposal and you can track the progress of  this bill (SB 1890) online here. This is a [...]

Florida Home Owners Need to Know This About the Attorneys’ General National Settlement Agreement on Foreclosure Fraud

Larry Tolchinsky | February 16, 2012

More on the big news this week on Florida foreclosures.  After all, there are many things to consider as a Florida homeowner or Florida mortgage holder with this new Attorneys General – Bank Foreclosure Settlement.  Here are just a few of them. First things first, it may be putting the horse before the cart for [...]