Ask a Lawyer: Law 101
Listen to Recordings of past Law 101 sessions:
Divorce Law 101 with Mr. Gabriel Cheong of Infinity Law Group LLC
Accident Law 101 with Mr. Neal Goldstein of Goldstein and Bashner Personal Injury Law
Immigration 101 with Mr. Kevin Dixler of the Law Office of Kevin L. Dixler
Accident 101 with Mr. Andy Gillin of GJEL California Personal Injury Attorneys
Bankruptcy Law 101 with Mr. Jay Fleischmanof Shaev & Fleischman, LLP
Motorcycle Law 101 with Mr. Adam Gee of Ziff Law Firm, LLP
Estate Planning Law 101 with Ms. Cheryl David of the Law Offices of Cheryl David
Immigration Law 101 with Mr. Kevin Dixler of the Law Office of Kevin L. Dixler
Bike Law 101 with Mr. Jim Reed of Ziff Law Firm, LLP
Bankruptcy Law 101 with Mr. Cliff Bordeaux of Bordeaux Law, P.C.
Immigration Law 101 with Ms. Karen-Lee Pollak of Goins, Underkofler, Crawford & Langdon, LLP
Tax Law 101 with Mr. Robert S. Williams of Viera Williams P.A.
Personal Injury 101 with Mr. Chris Davis of the Davis Law Group
Tax Law 101 with Mr. Dan Lively:
Immigration Law 101 with Mr. Kevin Dixler of the Law Office of Kevin L. Dixler
Bankruptcy Law 101 with Mr. Jay Fleischmanof Shaev & Fleischman, LLP
Divorce Law 101 with Ms. Kelly Chang Rickert of the Law Offices of Kelly Chang
Personal Injury Law 101 with Mr. Chris Davis of the Davis Law Group
Estate Planning for Divorce with Ms. Leanna Hamil:
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[Question removed] This question regarding criminal charges is better asked over at Avvo.com’s forum for legal questions.
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[...] Avvo also offers information from lawyers about important legal topics. I spent about an hour presenting the webinar Bike Law 101. [...]
[...] Ziff Law firm is now proud to announce that Adam has presented a live webinar, Motorcycle Law 101 on Avvo.com. Avvo is a national site that allows consumers to obtain free legal information from attorneys. [...]
Thanks for your web site I found it very enlightening, and educational,I have been involved in a legal night mare for the past six years,it has put me heading for the bankruptcy court, and it still go’s on.
I am now pro per, on three cases,and trying to get criminal charges bought forth on parties that have used political influence to cause us great harm.
I shall never stop fighting for justice,and now sites like yours,will keep me going. THANK YOU AGAIN
Robert Rawlings
[...] Wednesday, GJEL Managing Partner Andy Gillin hosted a Accident 101 webinar for Avvo on the first steps drivers should take after a car accident. In addition to [...]
[...] Ziff Law firm is now proud to announce that Adam has presented a live webinar, Motorcycle Law 101 on Avvo.com. Avvo is a national site that allows consumers to obtain free legal information from attorneys. [...]
[...] by Avvo, a free, comprehensive legal website for consumers and lawyers, to host a live webinar “Car Accident 101,” to offer legal insight to drivers and passengers involved in vehicular [...]
[...] by Avvo, a free, comprehensive legal website for consumers and lawyers, to host a live webinar “Car Accident 101,” to offer legal insight to drivers and passengers involved in vehicular [...]
We are looking for advice and help in dealing with Bank of America Home Loans.
We started in Dec of 2009 applying for a loan modification. Till this day we still have not even been approved for a trial plan.
Our mortgage was with Countrywide, which we had no problems with. Bank of America then took over and the nightmare began.
BOA took it upon themselves to start an escrow account on our mortgage. We have never had a escrow account when we were with Countrywide, we always paid our own taxes.
BOA paid property taxes on a parcel that is not our mortgaged property.
We informed them of this mistake, checked the mortgage papers to make sure there was not an error, which there was not the correct parcel number in on the mortgage.
They paid on a commercial piece of property that has been paid for for 60 years and has never had a mortgage. The taxes on this piece of property are $8,000.
We have a 100×200 lot with a modular home on it. How they can possibly think that the taxes would be $8,000 is beyond belief. But being told this time and time again, and sending them the correct parcel numbers, which as stated are correct on the mortgage, they still can not figure it out.
I called and explained this to them, sent tax papers showing the correct property description/ID number. They said it would have to be reviewed.
They then raised our monthly payment from $489 to $1,500. Many more phone calls, being transferred from department to department and still getting no where.
In the meantime we are still trying to get the loan modification done until they can get this other mess corrected.
Finally in March( 3 months after my initial phone call) they fed ex’ed the paper work which we filled out and sent back right away.
We were told it would take 30 to 45 days to be processed. It has now been 9 months. We call every other week and get sent to the modification department, then transferred to the status department, No one knows anything.
There has been nothing done since July. Every time I call they say they are putting a rush on it to escilate it through.
I have gone to the local Bank of America branch in the hopes that maybe I could find one “real person” to work with that could straighten this huge mess up.
All she was able to do was call the same list of phone numbers that I have been calling.
She was told the same thing they have been telling me, that they will put it on a rush escilation and to check back in two weeks.
She told me as long as I am still making my payment, which we have been doing but only the $489 as our mortgage was written for we would be fine.
I have never dealt with such an incompetant company in my life. It is like they are just playing games with peoples lives and homes. You can never get the same person, you just keep getting transferred from department to department and no one knows anything. It is just a big circle and you end up right back where you started. No where.
In November we received papers saying that they were going to start foreclosure, I went down to the office and Jill told me that is what they do when you are behind on payments.
We are not behind on payments, We have never missed a payment.
I am not paying them the $2,000 they are asking for because they have everything wrong.
Seriously could they mistakenly go pay Mc Donalds taxes and put that on my Mortgage then when I refuse to pay take my home away.
They can not charge my mortgage property taxes that are not my mortgaged property.
Then to top it off they went and paid taxes on that same commercial piece raising my escrow to $16,000.
On December 6th we were sent foreclosure papers from a Tripp and Tripp law firm out of Farmington Hills.
We are at our wits end, we have made at least a 100 calls over the past year, we have gone round and round with this company and can get no where.
The final straw now is that I went down to pay my December payment of $489 and they are refusing to accept my payment at all.
With them refusing to accept my payment I guess they are justifying trying to steal my home.
How can a company operate this way? How can they make someone’s life hell for a year and do nothing to help you?
WE HAVE DONE NOTHING WRONG-BOA HAS EVERYTHING WRONG
They just do not understand what they are doing is hurting other people, how stressful is it to deal with this for a year. This has been an absolute nightmare.
Please help us, we do not know what else to do.
We have done nothing wrong but make our mortgage payment every month and now they are going to take our home away.
Because of them we can not even refinance with another company as they are holding us in foreclosure…With the lower rates we could save hundreds per month just by being able to do that. Bank of America has totally destroyed our lives…
I have also filed complaints with local government offices and the OCC. Case #01397905
Bank of America did contact me last week stating that they received the complaint from the OCC and that this would be resolved in 72 hours.
I again faxed over the requested information right away.
I has been a week and no more contact from them.
So here I sit waiting for them to take my home once again.
Tracey,
To speak with a lawyer, you can ask a question for free here: http://www.avvo.com/ask-a-lawyer
Or you can find a foreclosure lawyer to contact here:
http://www.avvo.com/search/lawyer_search?q=foreclosure&loc=
You probably won’t get any replies in this blog.
Best of luck.
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