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<DIV style="FONT: 10pt arial">----- Original Message -----
<DIV style="BACKGROUND: #e4e4e4; font-color: black"><B>From:</B> <A
title=Senator.Evans@outreach.senate.ca.gov
href="mailto:Senator.Evans@outreach.senate.ca.gov">Senator.Evans@outreach.senate.ca.gov</A>
</DIV>
<DIV><B>Sent:</B> Tuesday, October 30, 2012 10:53 AM</DIV>
<DIV><B>Subject:</B> Your Homeowner's Mortgage Bill of Rights</DIV></DIV>
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style="FONT-FAMILY: Times New Roman; FONT-SIZE: 12pt"><BR><BR></SPAN>
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<TD style="FONT-FAMILY: Arial, Helvetica, sans-serif; FONT-SIZE: 11px"
width=625 colSpan=3 align=right>Problems viewing this E-mail? Please
<A
href="http://senweb03.senate.ca.gov/focus/outreach/sd02/sd02-201210-update.asp"
target=_blank>click here</A>.</TD></TR>
<TR>
<TD width=625 colSpan=3><IMG alt="Senator Noreen Evans"
src="http://senweb03.senate.ca.gov/focus/outreach/sd02/common/sd02-evans-banner-2012.jpg"
width=625 height=160></TD></TR>
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style="TEXT-ALIGN: center; PADDING-BOTTOM: 10px; BACKGROUND-COLOR: #749c1f; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: Arial, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 17px; FONT-WEIGHT: bold; PADDING-TOP: 10px"
colSpan=3>A new "Homeowner Bill of Rights" and watch out for scam
artists</TD></TR>
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<P style="MARGIN-BOTTOM: 10px"><BR> </P></TD>
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<P align=center><IMG alt=Houses
src="http://senweb03.senate.ca.gov/focus/outreach/sd02/201210-update/house.jpg"
width=500 height=293></P>
<P style="MARGIN-BOTTOM: 10px">Despite the recovering economy, many
of my constituents are still in danger of losing their homes. There
is nothing worse than being in this situation and getting the
runaround from your bank. But help is on the way. Recently, I
co-chaired a Conference Committee which wrote a new "Homeowners'
Bill of Rights" as part of legislation that will go into effect
January 1.</P>
<UL>
<LI>You have the right to be fully informed of the bank's intent
to seek a foreclosure and whether options such as loan
modifications are available to you.
<LI>You have the right to be thoroughly evaluated for these
options before a bank starts a foreclosure process. Banks cannot
"dual track" with a foreclosure while you are applying for another
option.
<LI>You have the right to appeal if bank denies your loan
modification application.
<LI>You have the right to a continuing single point of contact in
dealing with your mortgage.</LI></UL>
<P style="MARGIN-BOTTOM: 10px">If you would like to know more about
this new law, please go to the Attorney General's webpage at <A
href="http://dist02.casen.govoffice.com/intermediate.asp?link=http://www.oag.ca.gov/hbor"
target=_blank>http://www.oag.ca.gov/hbor</A>.</P>
<P style="MARGIN-BOTTOM: 10px"><STRONG>Beware of Mortgage
Modification Scams</STRONG></P>
<P style="MARGIN-BOTTOM: 10px">A recent alert from the California
Department of Corporations and the California Department of Real
Estate warned homeowners about "loan modification consultants" who
illegally ask for payments in advance and advise avoiding
foreclosure by signing your home over to a third party, stopping
payments or defaulting on your mortgage.</P>
<P style="MARGIN-BOTTOM: 10px">If you need more information about
these scams, please view the Consumer Alert at: <A
href="http://dist02.casen.govoffice.com/intermediate.asp?link=http://www.corp.ca.gov/Consumer/pdf/AG_Mortgage_Foreclosure_Alert.pdf"
target=_blank>http://www.corp.ca.gov/Consumer/pdf/AG_Mortgage_Foreclosure_Alert.pdf</A></P></TD>
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<P style="MARGIN-BOTTOM: 10px"><BR> </P></TD>
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<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 16px"
colSpan=4 align=middle><STRONG>California State Senator Noreen
Evans - District 2</STRONG></TD></TR>
<TR>
<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 11px"
colSpan=4 align=middle><EM>The 2nd Senate District includes
portions or all of six counties: Humboldt, Lake, Mendocino,
Napa, Solano & Sonoma.</EM></TD></TR>
<TR>
<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 14px"
colSpan=4 align=middle><STRONG>Web site: </STRONG><A
style="COLOR: #ffc212" href="http://sd02.senate.ca.gov/"
target=_blank>http://sd02.senate.ca.gov/</A><BR><STRONG>E-mail:
</STRONG><A style="COLOR: #ffc212" class=menu title=E-Mail
href="http://sd02.senate.ca.gov/contact" target=_blank>Senator
Noreen Evans</A></TD></TR>
<TR>
<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 12px"
vAlign=top width="33%" align=middle><STRONG>Capitol
Office</STRONG><BR>State Capitol,<BR>1303 10th
Street<BR>Sacramento, CA 95814<BR>Phone: 916-651-4002<BR>Fax:
916-323-6958</TD>
<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 12px"
vAlign=top width="34%" colSpan=2 align=middle><STRONG>Santa
Rosa Office</STRONG><BR>50 D St., Suite #120A<BR>Santa Rosa,
CA 95404<BR>Phone: 707-576-2771<BR>Fax: 707-576-2773</TD>
<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 12px"
vAlign=top width="33%" align=middle><STRONG>Ukiah
Office</STRONG><BR>200 South School Street<BR>P.O. Box
785<BR>Ukiah, CA 95482<BR>Phone: 707-468-8914<BR>Fax:
707-468-8931</TD></TR>
<TR>
<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 12px"
vAlign=top width="33%" align=middle><STRONG>Eureka
Office</STRONG><BR>710 E Street Suite #150<BR>Eureka, CA
95501<BR>Phone: 707-445-6508<BR>Fax: 707-445-6511</TD>
<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 12px"
vAlign=top width="34%" colSpan=2 align=middle><STRONG>Napa
Office</STRONG><BR>1040 Main Street, Suite #205<BR>Napa, CA
94559-2605<BR>Phone: 707-224-1990<BR>Fax: 707-224-1992</TD>
<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #ffffff; FONT-SIZE: 12px"
vAlign=top width="33%" align=middle>
<P><STRONG>Vallejo Office</STRONG><BR>401 Amador Street
<BR>Vallejo, CA 94590<BR>Phone: 707-648-5312<BR>Fax:
707-648-5383</P></TD></TR></TBODY></TABLE></TD>
<TD vAlign=top width=10>
<P style="MARGIN-BOTTOM: 10px"><BR> </P></TD></TR>
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<TD
style="FONT-FAMILY: Arial, Verdana, Helvetica, sans-serif; COLOR: #fcd64d; FONT-SIZE: 16px"
bgColor=#691a13 width="50%" align=middle>(c) 2012 California
State
Senate</TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><IMG
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