Download or read book Legislative Responses to the Foreclosure Crisis in Nonjudicial States written by Dan Immergluck and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The context for foreclosure prevention and mitigation hinges critically upon whether a state operates in a judicial or nonjudicial regime. Nonjudicial foreclosure regimes allow mortgage lenders to foreclose on homes without substantial court supervision. In these states, the time from the borrower receiving an initial notice of foreclosure to the date of the completed foreclosure sale tends to be substantially shorter than in states with judicial foreclosure systems. Moreover, nonjudicial foreclosure regimes tend to offer borrowers fewer legal protections and make it more difficult for homeowners to slow or intervene in the routine foreclosure process. For example, many of the more well-known efforts to reduce foreclosures, including mediation programs in which lenders must meet with borrowers in the presence of a mediator, have occurred in judicial states. This report examines legislation affecting the mortgage foreclosure process adopted in states with nonjudicial foreclosure processes from January 2005 through May of 2010. Little is known about how policymakers in nonjudicial states have responded to the foreclosure crisis. In general, borrowers in nonjudicial states are at a significant disadvantage when compared to those in judicial states and, short of changing to a judicial foreclosure regime, efforts to reduce foreclosures run up against a different set of constraints and challenges. The primary purpose of this report is to understand how policymakers in nonjudicial states have attempted to respond in terms of legislative modifications to the foreclosure process in the face of the national foreclosure crisis. We do this by analyzing state legislative activity during the study period. In particular we identified all legislation enacted during this period that concerns the regulation and administration of the default and foreclosure process for single-family residential mortgages. We quantify and classify this legislation, and identify states that were relatively active in this area during the study period. We then focus on eight of the most active states, describing some of the key provisions adopted in these states.

Download or read book The Private Sector and Government Response to the Mortgage Foreclosure Crisis written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2010 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Going it Alone written by Emily Susann Taylor Poppe and published by . This book was released on 2016 with total page 146 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the past decade, the rate of residential foreclosure in the United States reached historic highs, with negative consequences for individuals and neighborhoods. Prior research shows that foreclosures are concentrated in economically disadvantaged and racially segregated areas, leading researchers to consider inequalities in mortgage lending, foreclosure initiation, and the administration of policy interventions. However, less attention has been afforded to the foreclosure process, despite its role as a potential source of inequality in the foreclosure crisis. This dissertation addresses this topic by investigating variation in individual homeowners' behavior within the legal foreclosure process, including their use of legal representation, and considering the implications for individual case outcomes and the foreclosure process more broadly. Focusing on the judicial foreclosure process in New York State, I use a dataset of a representative random sample of foreclosure cases initiated in New York City between 2007 and 2011 to address three topics. First, I assess whether the empirical realities of the foreclosure process-specifically, the behavior of lenders, their lawyers, and homeowners-support assumptions embedded within the laws governing foreclosure. I find evidence that contradicts these assumptions, documenting a gap between the law on the books and law in action that has significant consequences for homeowners, the land title system, and the legitimacy of the legal system and the legal profession. I then consider how homeowners' responses to civil actions to foreclose vary, and assess the consequences of these actions. I not only document patterns of behavior among homeowners facing foreclosure, which are associated with case outcomes, but develop a conceptual framework for analyzing the dispute processing behavior of individuals who must respond to a legal claim. Finally, I focus specifically on the use of legal representation among homeowners. I find that cases where the homeowner was represented are less likely to result in foreclosure, but that this association is diminished after accounting for procedural reforms to the foreclosure process. The results of these analyses have important implications not only for the foreclosure context, but also for our understanding of dispute processing, inequality in the law, and the role of the legal profession.

Download or read book The Private Sector and Government Response to the Mortgage Foreclosure Crisis written by United States Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-10-15 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt: The private sector and government response to the mortgage foreclosure crisis: hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Eleventh Congress, first session, December 8, 2009.

Download or read book Foreclosure Problems and Solutions written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2018-01-17 with total page 540 pages. Available in PDF, EPUB and Kindle. Book excerpt: Foreclosure problems and solutions : federal, state, and local efforts to address the foreclosure crisis in Ohio : field hearing before the Subcommittee on Housing and Community Opportunity of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, second session, June 16, 2008.

Download or read book Decision Science for Housing and Community Development written by Michael P. Johnson and published by John Wiley & Sons. This book was released on 2015-10-12 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt: A multidisciplinary approach to problem-solving in community-based organizations using decision models and operations research applications A comprehensive treatment of public-sector operations research and management science, Decision Science for Housing and Community Development: Localized and Evidence-Based Responses to Distressed Housing and Blighted Communities addresses critical problems in urban housing and community development through a diverse set of decision models and applications. The book represents a bridge between theory and practice and is a source of collaboration between decision and data scientists and planners, advocates, and community practitioners. The book is motivated by the needs of community-based organizations to respond to neighborhood economic and social distress, represented by foreclosed, abandoned, and blighted housing, through community organizing, service provision, and local development. The book emphasizes analytic approaches that increase the ability of local practitioners to act quickly, thoughtfully, and effectively. By doing so, practitioners can design and implement responses that reflect stakeholder values associated with healthy and sustainable communities; that benefit from increased organizational capacity for evidence-based responses; and that result in solutions that represent improvements over the status quo according to multiple social outcome measures. Featuring quantitative and qualitative analytic methods as well as prescriptive and exploratory decision modeling, the book also includes: Discussions of the principles of decision theory and descriptive analysis to describe ways to identify and quantify values and objectives for community development Mathematical programming applications for real-world problem solving in foreclosed housing acquisition and redevelopment Applications of case studies and community-engaged research principles to analytics and decision modeling Decision Science for Housing and Community Development: Localized and Evidence-Based Responses to Distressed Housing and Blighted Communities is an ideal textbook for upper-undergraduate and graduate-level courses in decision models and applications; humanitarian logistics; nonprofit operations management; urban operations research; public economics; performance management; urban studies; public policy; urban and regional planning; and systems design and optimization. The book is also an excellent reference for academics, researchers, and practitioners in operations research, management science, operations management, systems engineering, policy analysis, city planning, and data analytics.

Download or read book Property Law written by Joseph William Singer and published by Aspen Publishing. This book was released on 2017-03-10 with total page 1887 pages. Available in PDF, EPUB and Kindle. Book excerpt: Buy a new version of this textbook and receive access to the Connected eBook with Study Center on CasebookConnect, including: lifetime access to the online ebook with highlight, annotation, and search capabilities; practice questions from your favorite study aids; an outline tool and other helpful resources. Connected eBooks provide what you need most to be successful in your law school classes. Learn more about Connected eBooks This hugely successful cases-and-problems book is acclaimed for its textual clarity, evenhanded perspective, and contemporary, up-to-date character. Easily distinguished from other property casebooks for its clear descriptions of legal doctrine and its variations; its explanations of the social ramifications of property law; its emphasis on both statutory and regulatory interpretation; its comprehensive treatment of public accommodations and fair housing law, current tribal property issues, and property in human bodies; and its use of the problem method to teach legal reasoning andlawyeringskills. Thoroughly updated to reflect significant changes in the law of property, the Seventh Edition incorporates multiple new Supreme Court cases, including:Texas Department of Housing & Community Affairs v. Inclusive Communities Project, Inc.,Obergefellv. Hodges, andReed v. Town of Gilbert, and 3 decided or pending cases with implications for regulatory takings,Horne v.Dep’tof Agriculture,Marvin M. Brandt Revocable Trust v. United States, andMurrv. State. Key Features: Updated to reflect significant changes in the law of property to help professors keep current and be aware of emerging disputes. These include multiple new Supreme Court cases: Texas Department of Housing & Community Affairs v. Inclusive Communities Project, Inc., 135 S. Ct. 2507 (2015), upholding disparate impact claims under the Fair Housing Act; Obergefellv. Hodges, 123 S. Ct. 2584 (2015), finding a constitutional right to same-sex marriage; Reed v. Town of Gilbert,135 S. Ct. 2218 (2015), broadly applying the First Amendment’s free speech clause to sign regulations; and three decided or pending cases with implications for regulatory takings,Horne v.Dep’tof Agriculture, 135 S. Ct. 2419 (2015),Marvin M. Brandt Revocable Trust v. United States, 134 S. Ct. 1257 (2014), andMurrv. State, 359Wis.2d675 (Wis. Ct. App. 2014), cert. granted sub nom.Murrv. Wisconsin, 136 S.Ct. 890 (2016). New materials and problems have been included in several areas: Collisions between the sharing economy and servitude, zoning, and landlord-tenant law; Questions of the inheritance rights of children born through assisted reproductive technology; Continuing litigation over the Rails-to-Trails Act conversion of abandoned railroad tracks into recreational trails Invalidation of the copyright on the Happy Birthday song; Commonwealth v.Magadini, 52 N.E.3d 1041 (Mass. 2016), upholding a necessity defense to a trespass charge against a homeless man; and The Revised Uniform Residential Landlord and Tenant Act, adopted in 2015.

Download or read book The Community Development Reader written by James DeFilippis and published by Routledge. This book was released on 2013-03-05 with total page 418 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Community Development Reader is the first comprehensive reader in the past thirty years that brings together practice, theory and critique concerning communities as sites of social change. With chapters written by some of the leading scholars and practitioners in the field, the book presents a diverse set of perspectives on community development. These selections inform the reader about established and emerging community development institutions and practices as well as the main debates in the field. The second edition is significantly updated and expanded to include a section on globalization as well as new chapters on the foreclosure crisis, and emerging forms of community .

Download or read book Texas Foreclosure Manual Third Edition written by William H. Locke and published by . This book was released on 2014-05-02 with total page 1198 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Download or read book Property written by Jesse Dukeminier and published by Aspen Publishing. This book was released on 2022-01-31 with total page 1544 pages. Available in PDF, EPUB and Kindle. Book excerpt: Property, Tenth Edition

Download or read book Revitalizing American Cities written by Susan M. Wachter and published by University of Pennsylvania Press. This book was released on 2014 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: Revitalizing American Cities explores the historical, regional, and political factors that have allowed some small industrial cities to regain their footing in a changing economy, and considers strategies cities can use for successful rebuilding.

Download or read book Property and Human Flourishing written by Gregory S. Alexander and published by Oxford University Press. This book was released on 2018 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many people assume that what morally justifies private ownership of property is either individual freedom or social welfare, defined in terms of maximizing personal preference-satisfaction. This book offers an alternative way of understanding the moral underpinning of private ownership of property. Rather than identifying any single moral value, this book argues that human flourishing, understood as morally pluralistic and objective, is property's moral foundation. The book goes on to develop a theory that connects ownership and human flourishing with obligations. Owners have obligations to members of the communities that enabled the owners to live flourishing lives by cultivating in their community members certain capabilities that are essential to leading a well-lived life. These obligations are rooted in the interdependence that exists between owners and their community members, and inherent in the human condition. Obligations have always been inherent in ownership. Owners are not free to inflict nuisances upon their neighbors, for example, by operating piggeries in residential neighborhoods. The human flourishing theory explains why owners at times have obligations that enable their fellow community members to develop certain necessary capabilities, such as health care and security. This is why, for example, farm owners may be required to allow providers of health care and legal assistance to enter their property to assist employees who are migrant workers. Moving from the abstract and theoretical to the practical, this book considers implications for a wide variety of property issues of importance both in the literature and in modern society. These include questions such as: When is a government's expropriation of property legitimated for the reason it is for public use? May the owner of a historic or architecturally significant house destroy it without restriction? Do institutions that owned African slaves or otherwise profited from the slave trade owe any obligations to members of the African-American community? What insights may be gained from the human flourishing concept into resolving current housing problems like homelessness, eviction, and mortgage foreclosure?

Download or read book Florida Law Review written by and published by . This book was released on 2013 with total page 684 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Arkansas Law Review written by and published by . This book was released on 2014 with total page 564 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Red Hot City written by Dan Immergluck and published by Univ of California Press. This book was released on 2022-10-11 with total page 341 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A growth-above-all development ethos permeates the Atlanta region and is rooted in the city's twentieth-century expansion. Like some other booming Sunbelt metros, Atlanta has combined a continuing reliance on public-private partnerships and a state and regional planning and policy regime that excessively caters to capital, often at the expense of its poorer residents, who are predominantly Black and Latinx. As the city proper has become a hot commodity in the real estate arena and is no longer majority-Black, the region has inverted the late twentieth-century poor-in-the-core urban model to one where less affluent families face exclusion from the central city and more affluent suburbs and are pushed out to lower-income, sometimes quite distant suburbs, usually farther from mass transit, large public hospitals, and other essential services. At this writing, the Atlanta metropolitan area is the ninth-largest in the country and likely to climb into the eighth spot in the not-to-distant future. This book focuses on four key, interconnected themes in the evolution and restructuring of Atlanta in the twenty-first century. The first is the major racial and economic restructuring of the region's residential geography, including the city proper. A second theme of the book is the failure of the City of Atlanta to capture a significant share of a tremendous growth in local land values. A third theme of the book is the critical role of state government in constraining and enabling how development and redevelopment occurs and whether the interests of those most vulnerable to exclusion and displacement are given serious consideration. The final theme of the book, and its key overarching narrative, concerns the political economy of urban change and the presence of inflection points. These are periods during which particularly consequential policy decisions are made that have a disproportionate impact on the trajectories of a place and direct and long-lasting implications for racial and economic exclusion. The book's conclusion ties together many of the lessons from these chapters. It ends with discussing what recent political trends could mean for the development trajectory of, and continued exclusion in, the region. It also calls for avoiding a "market-inevitability" fatalism that suggests that nothing can be done to redirect or alter the sorts of trajectories described in the book. It reminds the reader that the events and consequences described are not simply the result of apolitical, atomistic market forces, but is shaped heavily by institutional actors and processes"--

Download or read book Community Response to the Foreclosure Crisis written by Daniel Immergluck and published by . This book was released on 2008 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: