Welcome to the Advocate Legal Blog
– main contributor Susan M. Murphy Advocate Legal is a law firm dedicated to taking power back from the lenders that control our lives through controlling our credit. From our law office in Los...
View ArticleThe Banks Don’t Want to Modify Your Loan
“The California Homeowner Bill of Rights” was signed into law on July 12, 2012 by California Governor Jerry Brown to address the widespread negligence and fraud by Loan Servicers required by law to...
View ArticleImportant New Rights under the Foreclosure Reduction Act – the Homeowners...
California Civil Code §2923.5 (§ 4) and §2924.18 – Dual Tracking: Dual tracking is when the Loan Servicer assures you that you are being considered for a loan modification while simultaneously...
View ArticleStopping a Sale
A NOTICE OF DEFAULT is the first step in the foreclosure process and must be served on you by certified mail or posted on your property according to California statute. The NOTICE OF DEFAULT is...
View ArticleDavid & Goliath
The battle between David and Goliath started as a war between two armies, the Philistines and the Israelites in the valley of Elah in Palestine. The two sides faced off across a deep ravine, each...
View ArticleAfter the Fall
Yesterday I had a free consultation with three young musicians that had worked and saved to move into their dream house, only to lose it. It was in a good location in North Hollywood with big rooms...
View ArticleWhat You Need to Know Before You Miss a Mortgage Payment
Having interviewed over a thousand clients for complaints against their lenders, servicers, and the securitized trusts that bought their subprime loans, I have heard this line from clients over five...
View ArticleBSI’s Penalty Play
This story came from Ms. S., a visitor to one of our free Saturday consultations. Ms. S. makes her monthly mortgage payments to servicer BSI, which is short for Banca della Svizzera Italiana, the...
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