To learn more about the National Consumer Law Center’s advocacy efforts, visit NCLC.org. Here you will find information about the Issues, Special Projects, Litigation and Consulting Services, Model Laws, and Educational Resources, for advocates and consumers, that make NCLC one of the primary consumer law advocacy organizations in the United States. For additional information from organizations and agencies dedicated, in whole or in part, to protecting consumers, and to keep abreast of developments in consumer rights law, please visit the links featured within.
Read moreCOVID-19 Crisis Resources from the National Consumer Law Center Digital Library
Graphic from the NCLC Digital Library home page.
COVID-19 has become a global public health crisis, causing countless individuals around the world to experience personal medical crises. Yet for many, these problems are compounded by, or even outweighed by, financial crisis resulting from the pandemic.
In recognition of this, the National Consumer Law Center is offering free and discounted resources available to all, online, through its excellent Digital Library.
Additionally, NCLC’s Digital Library also now features an expanding, up-to-date list of new US consumer protections being rolled out in response to the rapidly evolving COVID-19 situation.
These resources are invaluable for any lay person facing financial difficulties as a result of the crisis, as well as attorneys looking to keep abreast of the swiftly changing landscape in these uncertain times.
Latest & Greatest – Mortgage Servicing and Loan Modifications and Home Foreclosures
By John Rao, et al.
Published by National Consumer Law Center
KF 697 .R3 M63 2019
National Consumer Law Center (NCLC) publishes a series of legal treatises designed to address and explain consumer law issues. Their target audience are those who have limited income and limited access to justice. The treatises cover areas of consumer concerns, such as debtor rights, mortgages and foreclosures, credit and banking, deception and warranties, and consumer litigation. As part of its consumer credit and sales legal practice series, NCLC has published Mortgage Servicing and Loan Modifications. Originally part of NCLC’s Foreclosures and Mortgage Servicing*, this book has expanded coverage of the business of mortgage servicing as well as mortgage loss mitigation alternatives for borrowers who are having difficulty making their payments. The treatise begins with an introduction to the mortgage market and the entities involved in the mortgage process, including mortgage servicers, before moving on to a discussion of common mortgage servicing problems and servicing requirements and claims under federal and state law. The next section of the treatise focuses upon loss mitigation and loan modifications. In this section, the reader will find a discussion of loss mitigation options for various types of loans and the result of failing to handle such loss mitigation properly. Lastly, the authors address considerations attendant to litigating mortgage servicing claims.
By Geoff Walsh et al.
Published by National Consumer Law Center
KF 697 .R3 F6 2019
Another new treatise from NCLC is Home Foreclosures, and it features a lot of the same material originally found in Foreclosures and Mortgage Servicing but with more in-depth discussion. From analyzing and defending a foreclosure case to handling issues arising from a foreclosure sale, the authors provide readers with practical information regarding this challenging and stressful process. The authors address the foreclosure of traditional homes as well as manufactured homes and condominiums as well as foreclosures involving Fannie Mae, Freddie Mac, government-insured loans and mortgages, and reverse mortgages. Foreclosures comprise an area that is a target for deceptive practices, and in this regard, the authors include an explanation of foreclosure rescue and loan modification scams, steps to fight these scams, and legal theories that can be used to attack such scams. In the appendices, you can find pertinent state and federal statutes.
Visit the Law Library to have a look at these and other volumes in our NCLC collection. These resources can also be accessed via the NCLC databases available on our Law Library research computers.
*Note that Mortgage Servicing and Loan Modifications and Home Foreclosures supersede and replace the prior Foreclosures and Mortgage Servicing.
January is Consumer Law Resources Month
January is Consumer Law Resources Month at the Harris County Law Library.
Visit our Featured Resource Section to see new and updated resources from the National Consumer Law Center.
Browse consumer law news, sample pleadings and other companion materials in the NCLC databases now available on the Law Library research computers.
Stay up to date on Texas consumer law with Advanced Consumer and Commercial Law Course books from the State Bar of Texas.
Self-represented litigants can find a copy of the HBA Consumer Law Handbook, which features a variety of legal information of interest to consumers, including guidance on buying a car, dealing with debt collection, landlord/tenant disputes, and more. Download a free copy through the HBA's Legal Handbooks website today.
For more information on Consumer Law and Protection, visit these websites:
