What Are Zombie Loans? How to Spot and Fight Undead Debt Threatening Your Home
A zombie loan is an old, dead debt that collection agencies try to bring back to life through unfair pressure, even though they can’t legally do this anymore. Watch out for warning signs like different collectors asking for money on the same home loan, missing paperwork, or when no one can clearly show who owns […]
What Are Your Rights When HOA Rules Change Without Notice?
Your HOA must tell you before changing any rules, and they need to follow set steps to make changes – this is backed by state law. If rules change without warning, you can fight back. Keep track of what happened, talk to your neighbors who might also be affected, and get a lawyer’s help if […]
What Are Your Rights Regarding Noisy Neighbors?
People have clear rights when dealing with loud neighbors, backed by local laws and rules for renters. Every resident can expect reasonable peace and quiet in their home without constant disruptions. If neighbors are too loud, start by writing down when it happens, talking to them about it, and getting help from your landlord or […]
What Are Your Rights in a Seller Disclosure Lawsuit?
If sellers hide problems they knew about when selling a home, buyers can take legal action to get money back. To win their case, buyers need to show the seller kept quiet about serious issues that make the home less valuable or unsafe. Buyers can get back money they spent on fixes, the drop in […]
What Are Your Rights in a Multiple Offer Situation?
In a multiple offer situation, buyers have several key rights. Real estate agents must show all written offers to sellers right away. Sellers can’t reject offers based on things like race, religion, or gender. Every buyer should get fair treatment and the same amount of time for responses. Sellers must share all important facts about […]
What Are Your Rights in a Mortgage Fraud Investigation?
When someone is being investigated for mortgage fraud, they have basic rights to protect themselves. They can get a lawyer and don’t have to answer questions that might get them in trouble. They can stay quiet when investigators ask them questions, and they can make sure investigators have the right permits before searching their property. […]
What Are Your Rights in a Forced Property Partition?
When people share ownership of property and face a forced split, they have clear legal protections. They can ask a judge to divide the property, get a fair price check, and receive their proper share of the money from any sale. Owners can speak up if they think the price is wrong, take part in […]
What Are Your Options When Someone Builds on Your Property?
If you find someone building on your land without asking, you have several ways to handle it. Start by taking pictures and videos of the building work, and write down what happened and when. Try talking to the person who’s building – sometimes a simple conversation can fix things. If talking doesn’t work, you can […]
What Are the Red Flags of Mortgage Fraud?
Major signs of mortgage fraud include fishy loan papers, quick jumps in property values, and unclear sources of down payments. Watch out for missing or mismatched money records, different versions of papers showing different numbers, and big money deposits that can’t be explained. Signs of stolen identity like wrong personal details and job information that […]
What Are the Penalties for Mortgage Fraud?
Mortgage fraud comes with harsh punishments at both federal and state levels. People who commit this crime can go to jail for up to 30 years and pay fines as high as $1 million. Banks and lending companies caught in fraud may have to pay up to $5 million. Those who commit mortgage fraud face […]
