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  1. isisis

    Bagels at a Bar Mitzvah

    Sorry, ellaroot. Thank you Wanda for turning my link into something good. You are the most useful woman I've ever met and you're right, you do need to plug into something like that. Working towards something good that will benefit people is the best feeling in the world. Today I got the best...
  2. isisis

    help! veripro solutions and bank of america

    Krafty, I forgot how relentless you are. He's good you guys. Up against the bank pro se he got the judge recused. Regarding TILA requirements: you're saying that the failure to provide monthly statements prevents them from continuing to charge interest? Gosh I'd love that to be true. Bayview...
  3. isisis

    Bagels at a Bar Mitzvah

    For years now I've been a major fan of law professor Andrew Kull. He's drop dead brilliant and the reporter for the most recent Restatement of Restitution and Unjust Enrichment. He kind of broke new ground in it -something rarely down in a restatement - by suggesting restitution and...
  4. isisis

    Bagels at a Bar Mitzvah

    There's a difference between a court order and a ruling. A ruling is a determination based on the facts presented and it may lead to an order but it doesn't in itself compel or prohibit an action. In California court procedure we use the demurrer as a preliminary process which generally assumes...
  5. isisis

    Bagels at a Bar Mitzvah

    Is it really contempt of court? It's contempt of something, they're certainly showing a disregard for the law itself with respect to thier own legal obligations but I need to look up the definition of contempt of court. A new (to me) applicable term is reckless indifference, generally used in...
  6. isisis

    Coronovirus Mortgage and Real Estate Crisis of 2020- NOT !

    wedhidran, Hey, I took four years of Russian in school but it's way to rusty for me to know what you're saying. Pretty sure no one else here does either. If you want to interact you'll need to translate.
  7. isisis

    Bagels at a Bar Mitzvah

    Once again or should I say for the umpteenth time, I'm staring down a foreclosure sale at the end of the month. Filing a complaint with the CFPB emphasizing those wrongs - of the multitude of wrongs - that are most applicable to the FDCPA, along of course with the contract claims given the...
  8. isisis

    Bagels at a Bar Mitzvah

    Negative interest rates? https://nymag.com/intelligencer/2020/05/negative-interest-rates-coronavirus-recession-fed-powell-trump.html
  9. isisis

    Can't afford the monthly payments

    You could appeal the modification denial. They're required to consider you for modification under federal law. Consider, of course, is the operative word, they're not required to modify but I'm not sure that they have complete discretion to deny if you meet certain criteria. I think they need...
  10. isisis

    SLS s***show

    Oops! Double post but I erased it
  11. isisis

    SLS s***show

    If that doesn't work - phone calls often don't - you can send a Qualified Written Request (QWR) under RESPA asking for an account history and associated documents. 12 U.S. Code § 2605 (e)(B) Qualified written request For purposes of this subsection, a qualified written request shall be a...
  12. isisis

    Bagels at a Bar Mitzvah

    Exactly. The Surgeon General tweeted on 2/29 " Regarding masks:@WHO @CDCgov & my office have consistently recommended against the general public wearing masks as there is scant or conflicting evidence they benefit individual wearers..." This was based on the a virus being too small for a...
  13. isisis

    Bagels at a Bar Mitzvah

    OHM, I'd been concerned for you living in the epicentre and am so sorry the virus got you but so relieved you fought it off. Please continue to boost your immunity while you recover. I believe that studies show that while Vitamin C is ineffective in preventing inflection it's known to shorten...
  14. isisis

    Bk13 dismissed

    I wasn't aware of any waiting period before a dismissal or discharge becomes valid. Are you saying that during a given time period a dismissal or discharge can be challenged? In my experience there may be a lag time before the lender becomes aware of what took place in a Chapter 13 case or at...
  15. isisis

    Bk13 dismissed

    Wait for what?
  16. isisis

    Bagels at a Bar Mitzvah

    When I first read about the worldwide health crisis on January 22 there were 440 reported cases and nine deaths in China. By the middle of March, two months later China had successfully contained the virus with 80,000 cases and 3,032 deaths. Whether these figures are entirely accurate is largely...
  17. isisis

    Bagels at a Bar Mitzvah

    Sounds like a bipartisan effort to me (Maxine Waters) but a coup for servicers. Take the forbearance money, pocket it while using clever accounting and access to the trust accounts to make servicer advances, pocket special servicing fees from investors, pocket late payments charged to borrowers...
  18. isisis

    Coronavirus Mortgage and Real Estate Crisis of 2020

    Technically speaking when the payments are missed that's considered a breach, you hadn't complied with the terms of the contract because payments weren't made. However, in contact law there are various circumstances in which a breach is excused. Among those things that excuse performance are...
  19. isisis

    Bagels at a Bar Mitzvah

    You're right, there's no contractual relationship between the borrower and the servicer but we agreed that a third party would service the loan. Even if we hadn't they had the right to have an agent act on their behalf so when a servicer tries to foreclose they're doing so as an agent with the...