Central District Consumer Bankruptcy Attorney's Association

Hi Keith
Your attachment is not a pdf (although it says it is). It cannot be opened.
Perhaps it was corrupted. Can you please try ot post it again.
Thank you
Kenneth Jay Schwartz, Esq.
LAW OFFICE OF KENNETH JAY SCHWARTZ
21031 Ventura Boulevard, Suite 640
Woodland Hills, California 91364-2226
Telephone: (818) 226-1205
Facsimile : (818) 226-1213
THE INFORMATION CONTAINED IN THIS E-MAIL IS INTENDED ONLY FOR THE PERSONAL AND
CONFIDENTIAL USE OF THE DESIGNATED RECIPIENT(S) NAMED ABOVE. THIS MESSAGE MAY
BE AN ATTORNEY-CLIENT COMMUNICATION, AND, AS SUCH, IS PRIVILEGED AND
CONFIDENTIAL. IF THE READER OF THIS MESSAGE IS NOT THE INTENDED RECIPIENT OR AN
AGENT RESPONSIBLE FOR DELIVERING IT TO THE DESIGNATED RECIPIENT, YOU ARE HEREBY
NOTIFIED THAT YOU HAVE RECEIVED THIS E-MAIL IN ERROR, AND THAT ANY REVIEW,DISSEMINATION, DISTRIBUTION OR COPYING OF THIS MESSAGE IS STRICTLY PROHIBITED.
IF YOU HAVE RECEIVED THIS COMMUNICATION IN ERROR, PLEASE NOTIFY US IMMEDIATELY.
THANK YOU.
________________________________
To: cdcbaa@yahoogroups.com
Sent: Fri, November 30, 2012 1:43:09 PM
Subject: [cdcbaa] DOC & DRE Mortgage Modification and Foreclosure Scams Alert [1
Attachment]
[Attachment(s) from Keith Higginbotham included below]
Dear Colleagues!
Here is an excellent article from our friends at Public Counsel! It will
be very helpful to our bankruptcy practitioners who are counseling debtors when
a loan modification is pending.
Keith Higginbotham
cdcbaacheck@aol.com
Hi everyone,
The California Department of Corporations (DOC) and the California Department of
Real Estate (DRE) are providing assistance to financially stressed homeowners
who are often targeted by predatory mortgage scam artists. The DOC and DRElicense and regulate a variety of entities involved with the mortgage process.
Helpful referrals below:
1) Before hiring anyone to help modify a loan, anyone may contact the DRE
at (877) DRE-4LIC. Their website is www.dre.ca.gov.
2) To file a complaint against a mortgage loan modification consultant, you
may contact the Attorney Generals Office, Public Inquiry Unit at (800)
952-5225. Their website is www.oag.ca.gov.
3) To verify the license of someone servicing or negotiating terms of your
mortgage loan, you may contact the DOC at (866) ASK-CORP. Their website iswww.corp.ca.gov
Also, the Foreclosure Reduction Act will be effective starting Jan. 1, 2013.
The Act accomplishes four main goals:
1) Prohibits dual trackingthat occurs when a mortgage loan services
initiates the foreclosure process on a homeowner who is still negotiating a loan
modification;
2) Provides a homeowner with a single point of contact to assist themthroughout the loan modification process;
3) Requires mortgage services to review competent and reliable evidence to
substantiate their right to foreclose; and
4) Creates a remedy for borrowers to seek legal action against their loan
services for material violations of the law.
I have also attached a flyer with additionalinformation
Maggie
Magdalena Reyes Bordeaux
Senior Staff Attorney
Public Counsel
Consumer Law Project &
Debtor Assistance Project
Hi KeithYour attachment is not a pdf (although it says it is). It cannot be opened. Perhaps it was corrupted. Can you please try ot post it again.Thank you Kenneth Jay Schwartz, Esq.LAW OFFICE OF KENNETH JAY SCHWARTZ21031 Ventura Boulevard, Suite 640Woodland Hills, California 91364-2226Telephone: (818) 226-1205Facsimile : (818) 226-1213THE INFORMATION CONTAINED IN THIS E-MAIL IS INTENDED ONLY FOR THE PERSONAL AND CONFIDENTIAL USE OF THE DESIGNATED RECIPIENT(S) NAMED ABOVE. THIS MESSAGE MAY BE AN ATTORNEY-CLIENT COMMUNICATION, AND, AS SUCH, IS PRIVILEGED AND CONFIDENTIAL. IF THE READER OF THIS MESSAGE IS NOT THE INTENDED RECIPIENT OR AN AGENT
RESPONSIBLE FOR DELIVERING IT TO THE DESIGNATED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT YOU HAVE RECEIVED THIS E-MAIL IN ERROR, AND THAT ANY REVIEW, DISSEMINATION, DISTRIBUTION OR COPYING OF THIS MESSAGE IS STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS COMMUNICATION IN ERROR, PLEASE NOTIFY US IMMEDIATELY. THANK YOU.From: Keith Higginbotham <cdcbaacheck@aol.com>To: cdcbaa@yahoogroups.comSent: Fri, November 30, 2012 1:43:09 PMSubject: [cdcbaa] DOC & DRE
Mortgage Modification and Foreclosure Scams Alert [1 Attachment]

Dear Colleagues!

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