Here is a map where the majority of states allow you to record phone calls with only one party (you) knowing that the call is recorded. https://deadlyclear.wordpress.com/2013/04/15/is-it-legal-to-record-the-banks-phone-call-or-conversation/
It’s much easier to write your follow-up letter if you have a recorded conversation to work from – and most attorneys advise to write the servicer a follow up letter, especially when a recording might not be admissible in court. Keep all your correspondence, including statements organized. If you are unorganized in everything else in your life, make your mortgage loan your priority in organization. The correspondence you keep, may save your home.
The couple proceeded to move out by the deadline agreed…
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On the Foreclosure Hour broadcast last Sunday on Honolulu’s KHVH radio, Host and top-rated Foreclosure Defense Attorney, Gary Dubin, received a call from the North Pole. It was from Santa Claus!
Santa told Mr. Dubin that he received a notice from the Bank of the North Pole that there had been a foreclosure and the bank was evicting the Claus family from their 200-year-old home.
Santa sounded quite panicked because the notice said that the bank would be changing the locks at noon on December 25th… on Christmas Day! Santa didn’t know at this point whether he could leave the North Pole on Christmas Eve to deliver presents and stated he might have to cancel Christmas. Santa pleaded with Gary Dubin for help.
A Year-End Special: Firsthand Comments and Experiences of Our Listeners Battling Foreclosures Nationwide
This Sunday’s Show will air in Hawaii at 2:00 p.m. (HST) instead 3:00 p.m., its otherwise regular time. Honolulu KHVH Radio & Internet. The Foreclosure Hour
John and I receive thousands of letters, emails, and voice mail messages annually from our listeners from just about every State and some foreign countries, detailing their personal experiences trying to fend off foreclosures and evictions.
Time limitations naturally permit us to personally respond to only a few.
We thought that we would, therefore, start a new tradition by reading some of those experiences on our year-end show(s) enabling us to respond in that way to more inquiries. Continue reading
Just a side note: There are more efficient ways to deal with foreclosure rather than use the bankruptcy courts.
A debtor filed bankruptcy to block a foreclosure. When he sought to voluntarily dismiss the case, the bankruptcy court granted the request but also enjoined him from filing at any time in the indefinite future. The order was appealed first to the district court and then to the Third Circuit.
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(December 12, 2017, Hawaii) The Foreclosure Hour TODAY at 3 pm (HST) / (5 pm EST) will discuss one of Hawaii’s latest FORECLOSURE APPEAL cases, HSBC Bank USA v. Yamashita, where after a pro-bank decision in the lower circuit court was overturned on appeal.
The Hawaii ICA noted, “[T]he [Hawaii] supreme court then expressed that “[a] foreclosing plaintiff’s burden to prove entitlement to enforce the note overlaps with the requirements of standing in foreclosure actions as ‘standing is concerned with whether the parties have the right to bring suit.'” Continue reading