Resources

Please find below helpful links to various areas of law related to foreclosure defense and prevention.

National Mortgage Settlement

Foreclosure Prevention Programs

Comprehensive Guide to North Carolina Foreclosure Resource From UNC law School

State Programs

http://www.ncforeclosureprevention.gov/

This program has helped thousands of homeowners in North Carolina. It essentially gives the homeowner an interest-free loan from the North Carolina Housing Authority to pay off arrears on a mortgage. The loan is discharged if the homeowner stays in the home for ten years or more.

Federal Programs

http://portal.hud.gov/hudportal/HUD?src=/topics/avoiding_foreclosure

http://www.995hope.org/helpful-information-and-resources/government-and-financial-industry-resources/

Local Housing Counselors

www.drfcenter.org

www.reinvestmentpartners.org

Legal Links

LEGAL VERSUS EQUITABLE DEFENSES

Mortgage Legal and Compliance Reference

Mortgage License Look-Up For Consumers

State Registry

National Registry

Why Do Lenders Foreclose When They Should Modify?

http://www.macdc.org/research/Servicer-Report1009.pdf

http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1324023

Both these articles are absolutely great and comprehensive on the conflict of interest that exists between a mortgage servicer and the actual note owner.

MERS: A Conspiracy or the Future of Land Records?

http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1684729

http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1469749

MY OTHER LINKS AROUND THE WEB:

Better Business Bureau