[Occupymendocino] Fw: Your Homeowner's Mortgage Bill of Rights

[susan nutter]

----- Original Message ----- 
From: Senator.Evans at outreach.senate.ca.gov 
Sent: Tuesday, October 30, 2012 10:53 AM
Subject: Your Homeowner's Mortgage Bill of Rights





            Problems viewing this E-mail? Please click here. 
           
            A new "Homeowner Bill of Rights" and watch out for scam artists 

             
           

            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.

              a.. 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.
              b.. 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.
              c.. You have the right to appeal if bank denies your loan modification application.
              d.. You have the right to a continuing single point of contact in dealing with your mortgage.
            If you would like to know more about this new law, please go to the Attorney General's webpage at http://www.oag.ca.gov/hbor.

            Beware of Mortgage Modification Scams

            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.

            If you need more information about these scams, please view the Consumer Alert at: http://www.corp.ca.gov/Consumer/pdf/AG_Mortgage_Foreclosure_Alert.pdf
           
             
           

             
           California State Senator Noreen Evans - District 2 
                  The 2nd Senate District includes portions or all of six counties: Humboldt, Lake, Mendocino, Napa, Solano & Sonoma. 
                  Web site: http://sd02.senate.ca.gov/
                  E-mail: Senator Noreen Evans 
                  Capitol Office
                  State Capitol,
                  1303 10th Street
                  Sacramento, CA 95814
                  Phone: 916-651-4002
                  Fax: 916-323-6958 Santa Rosa Office
                  50 D St., Suite #120A
                  Santa Rosa, CA 95404
                  Phone: 707-576-2771
                  Fax: 707-576-2773 Ukiah Office
                  200 South School Street
                  P.O. Box 785
                  Ukiah, CA 95482
                  Phone: 707-468-8914
                  Fax: 707-468-8931 
                  Eureka Office
                  710 E Street Suite #150
                  Eureka, CA 95501
                  Phone: 707-445-6508
                  Fax: 707-445-6511 Napa Office
                  1040 Main Street, Suite #205
                  Napa, CA 94559-2605
                  Phone: 707-224-1990
                  Fax: 707-224-1992 Vallejo Office
                  401 Amador Street 
                  Vallejo, CA 94590
                  Phone: 707-648-5312
                  Fax: 707-648-5383
                 
           
             
           
                 (c) 2012 California State Senate 
           
     






       
-------------- next part --------------
An HTML attachment was scrubbed...
URL: http://lists.mcn.org/pipermail/occupymendocino/attachments/20121030/61087bbf/attachment-0001.html