Louis Esbin's (esbinlaw) Blog

Check out the article that I wrote and just posted to my website www.louisesbin.com. I attempt to discuss what led us to the current economic situation and why bankruptcy reform defeated in the Senate would have been good for all of us. Please let me know your thoughts once you have read the arti...

We have a client that owns a 20 unit Cape Canaveral efficiency apartment building. The property is about 1500 feet from the beach. Units rent weekly and monthly. They are clean, neat, and safe. Great temporary or long term housing for singles or couples in need of interim housing, or find themsel...

Geat information and analysis. Rick D. Misitano, Senior Paralegal of the Law Offices of James M. Bosco & Associates has made excellent points concerning the need for an original note. Borrower can demand authentication of a copy of the note through RESPA and TILA.  Use of a Qualified Written Requ...

Valencia, Santa Clarita, Los Angeles Region and Active Rain Real Estate Professionals do you have clients that are facing mortgage defaults, short sales, foreclosures, or mounting credit card debt, and you need someone to speak with before speaking with them? Are your client being bombarded by ma...

The solution to the current and prospective ongoing foreclosure crisis and failure of the banks to effectively modify loans lies, quite simply, in an ability of the Bankruptcy Courts to do the following with respect to home mortgages when an individual or couple files for relief under Chapter 13...

The solution to the current and prospective ongoing foreclosure crisis and failure of the banks to effectively modify loans lies, quite simply, in an ability of the Bankruptcy Courts to do the following with respect to home mortgages when an individual or couple files for relief under Chapter 13 ...

A well reasoned recent bankruptcy decision, following the letter of law, has held that wholly undersecured second or third lien creditors will be added to the total amount of unsecured debt, such that the total amount allowable of $336,900 would be exceeded and therefore the cases must be dismiss...

MSNBC is reporting that Banks are not modifying mortgages and therefore not assisting homeowners who need assistance. Allowing Bankruptcy Court judges to modify loans secured by a debtor's principle residence s the only fair and equitable way to instill stability into the marketplace. Studies are...