Protection and guidance by
injury attorneys you can trust.

Month: October 2013

Posted on October 31, 2013 in
Many recall the story a few years ago of a Texas man claiming he obtained a $300,000 house for $16 (the amount charged for county filing fees) by taking advantage of state adverse possession laws.  It sounded too good to be true, and it was, as the bank subsequently evicted the man for trespassing. Had...
Posted on October 23, 2013 in
1.         Check Your Credit Report Annually. Recent reports have found that nearly half of all Americans do not know their credit score.  The first step to improving your credit score is actually knowing your credit score.  Under the Fair Credit Reporting Act (“FCRA”) you are entitled to a free copy of your credit report from...
Posted on October 18, 2013 in
According to RealtyTrac.com, Nevada has the highest rate of foreclosures at 41%.  The second highest state, Florida, has an average foreclosure rate of 25%.  In response to this crisis, the Nevada legislature changed the foreclosure mediation laws for homeowners facing foreclosure effective October 1, 2013. Assembly Bill 273 changed the State of Nevada Foreclosure Mediation...
Posted on October 17, 2013 in
In addition to liability coverage and under-insured motorist coverage, you can purchase med pay coverage as part of your vehicle insurance.  Med pay coverage is a set amount of money for medical payments for you and anyone else covered under your auto insurance policy regardless of who is at fault. Typically, this coverage ranges from...
Posted on October 15, 2013 in
Hundreds of thousands of Americans are currently out of work and awaiting the government shutdown to come to an end.  Unfortunately, everyone affected by the shutdown must still pay their bills, including their mortgage.  Without a paycheck, this is going to be extremely difficult for many people. Thankfully, government backed loans such as Fannie Mae,...
Posted on October 11, 2013 in
The news is full of encouragement about housing values and how quickly they are increasing.  However, for most underwater homeowners in the Las Vegas area, it is still unlikely that your home will be worth what you owe on it in the next 5-10 years if you bought during the peak.  It is even less...
Posted on October 10, 2013 in
            All of us have, at some point in our lives, signed a liability waiver or purchased tickets to an event that had a liability waiver on the back of the ticket.  A liability waiver is usually a general statement which provides that you, as the signer or person participating in...
Posted on October 9, 2013 in
Recently, a handful of companies have stated they will use social media websites, such as Facebook, to assess whether a consumer is credit worthy.  One such company who plans to use social media as part of the credit worthy question is Lenddo (lenddo.com).  Lenddo’s website states their goal is to pioneer “a new approach to...
Posted on October 8, 2013 in
On August 8, 2013, the Ninth Circuit issued its opinion in Corvello v. Wells Fargo Bank, N.A., (“Corvello”) in which the court considered the following issue:  whether a bank is contractually required to offer a borrower a permanent mortgage modification after the borrower had fully complied with the requirements of the trial period plan (TPP). ...
Posted on October 2, 2013 in
There has been significant discussion over the last 24 hours regarding Congress’ failure to appropriate funds for the federal government to continue operations.  The majority of these conversations have not discussed the impact the shutdown will have on consumers.  Below is a highlight of some of the major federal agencies which are directly related to...