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Supreme Court ruling that CFPB may continue to operate is win for consumers, major blow to lenders, scam artists

Foreclosure

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The U.S. Supreme Court’s decision in Seila Law v. Consumer Financial Protection Bureau marked the culmination of a years-long attack against the agency by the business community, Congressional Republicans, and the Trump administration. It also provided a major dose of “be careful what you wish for because you just might get it” for the powerful forces who have been trying to destroy the CFPB since it was created in the wake of the collapse of the nation’s housing market in … [Read more...] about Supreme Court ruling that CFPB may continue to operate is win for consumers, major blow to lenders, scam artists

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Founder Marc Dann and Managing Partners Brian Flick and Javier Merino are pleased to announce that DannLaw has acquired the Zingarelli Law Office, one of the Cincinnati area’s most highly respected consumer and small business bankruptcy law firms. Atty. Nick Zignarelli, who will work with DannLaw on an “of counsel” basis, has been widely recognized for his work in bankruptcy and consumer law. He is rated 10 out of a possible 10 by Avvo, has been named a top rated bankruptcy attorney by Super … [Read more...] about DannLaw acquires Zingarelli Law Office in move that will strengthen firm’s business bankruptcy practice

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I was mildly enthusiastic about the CARES Act immediately after it was passed because it appeared to be substantially different from the stimulus plan crafted by the federal government during the Great Recession of 2008. That package funneled trillions of dollars to the big banks and Wall Street speculators whose unfettered greed nearly destroyed the world’s financial system but did relatively little to help working and middle-class families devastated by the collapse of the housing market. … [Read more...] about COVID-19 Update 8: Thoughts on the CARES Act, Planning for life after the pandemic

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Now that we’ve had additional time to review the CARES Act, we would like to share some clarifications and observations along with advice about how to deal with bills and other financial obligations that may be coming due on April 1. Here are some things to consider about paying your bills: 1. Pay your bills if you can. You should take advantage of options that allow you to delay making payments if you need to, not just because they are available. 2. If you don’t have enough money to make … [Read more...] about DannLaw Update Number 6 on Corona Virus: Observations and Clarifications re the CARES Act

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I’ve been involved in politics and government for over 40 years and I can say  definitively that I have not seen legislation that offers as much direct and immediate relief to distressed consumers, borrowers, small business owners and tenants as the Covid-19 stimulus package, known as the CARES Act that Congress passed on Friday, March 27.  You can read an analysis of the bill here. You can read the legislation in its entirety here. While I’m generally pleased with the CARES Act, I do have … [Read more...] about DannLaw Update on Covid-19 CARES Act passed by Congress and signed by the President

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An important message from Marc Dann: We are open and reachable during normal business hours and beyond and you can reach me on my cell phone at 330-651-3131. Rest assured that I will either be at home or at the office because like you, I’m really not allowed to go anywhere else.  We will be happy to answer any questions you have about your existing case(s) as well as the many coronavirus-related legal issues our friends and clients are facing on an almost hourly basis. If you need to speak … [Read more...] about An Update from DannLaw on Coronavirus and Emergency Legal Issues

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When I woke up this morning to another stream of stories about the Coronavirus, I wasn’t worried about the impact the growing crisis was having on big banks or the stock market—as has been proved time and again, they’ll recover or be bailed out, or both. Instead, I was concerned about the people reporters obsessed with Wall Street losses ignore:  people like the guy who was counting on catching up on his Christmas credit card charges by selling hot dogs at the NCAA tournament at Rocket … [Read more...] about Lessons learned in the last recession could help working families deal with the coronavirus crisis

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Today, we’re going to tell you story about good vs. evil, right vs. wrong. The main character in the tale is Riad Ghosheh who owns a home that Ocwen Loan Servicing LLC and PHH Mortgage Services tried to steal. They’re the bad guys. How bad? As of this year, more than 11,000 complaints against Ocwen had been lodged with the Consumer Financial Protection Bureau (CFPB). PHH, which Ocwen acquired in 2018, has been tagged 781 times. Ocwen, a company we’ve fought and written about many … [Read more...] about A Tale of Good vs. Evil: We Stopped Ocwen/PHH from Stealing Riad Ghosheh’s Home–Now We’re Going to Make the Companies Pay

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OH Foreclosure Timeline

Understanding HOA Foreclosure In Ohio If you are an Ohioan who lives in a condominium, townhome or a single-family home that is part of a development you may be required to pay dues to a condominium association (COA) or a homeowners’ association (HOA). Falling behind on your dues can lead to serious problems. In most cases, the covenants, conditions and restrictions (CC&Rs) that govern the COA or HOA give the association the right to place a lien on your home. Stay behind, and the … [Read more...] about Does Filing for Bankruptcy Stop an Ohio HOA Foreclosure?

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Ohio Foreclosure Defense

If your house has been foreclosed and sold at a sheriff sale, you may be wondering if the buyer can legally lock you out of your home immediately following the sale. The answer is no. As long as the property has not been abandoned and is sitting vacant, the buyer must go through certain procedures before they can legally evict you and change the locks. In Ohio, this means the buyer must either obtain a Writ of Possession from the sheriff or initiate an eviction action in municipal court. After … [Read more...] about Can I Be Locked Out of My Home After an Ohio Foreclosure?