Northwest Justice Project: Foreclosure Mediation in Washington State

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Northwest Justice Project: Foreclosure Mediation in Washington State


A basic introduction to Washington’s new mediation process for homeowners facing foreclosure. Current as of December 2011. You can help us make NJP’s videos better! Please let us know what you thought about the video by answering this brief survey:

Welcome to the Northwest Justice Project’s webcast about Foreclosure Mediation in Washington State.

The foreclosure process can be a long and bumpy road… but some people facing foreclosure in Washington now have another path to stay in their home: Mediation.

Your bank or mortgage company now must tell you about your new options before foreclosure. After you miss a few payments, you should receive a written “Notice of Pre-Foreclosure Options.”

You then have thirty days to ask for a meeting with your bank to talk about alternatives to foreclosure. This first meeting is not mediation, but if you and the bank don’t agree on a plan, an attorney or housing counselor can help you take the next step: asking for mediation.

You have to have a referral from an attorney or counselor to get to go to mediation. If you haven’t talked to a housing counselor or attorney about your options, do it right now. He or she can discuss whether you qualify and then send a mediation request form to the state’s Department of Commerce.

Find more information on housing counselors from the Homeownership Resource Center at 1-877-894-HOME. You may also get a referral or qualify for free legal help from the Northwest Justice Project. Call 1-800-606-4819.

After the request is sent, watch your mailbox. You should get some important instructions, and a list of documents you’ll need to bring to the upcoming mediation. Try to hustle and gather the paperwork together. Your attorney or housing counselor can help you. You must send copies of your documents to the bank and mediator at least 10 days before the mediation day.

You and the mortgage company will split the cost of the 0 mediation fee.
To avoid foreclosure, you’ll have to do some more homework. Mediation is your chance to show why you should stay in your home. You’ll get to explain why you fell behind. And you’ll also have to show a detailed financial plan showing how you’ll keep up with payments in the future. Talk to an attorney or housing counselor for help on writing up your proposal.

It’s important to have a realistic proposal; you probably won’t be able to stay in your house If you don’t have enough income to pay even a reduced loan payment.

On the day of your mediation, show up early. Bring all your documents and extra copies. So, who’s going to be in the mediation room? The bank’s attorney will be there… and another person from the bank (probably on a speaker phone). Your attorney or housing counselor might be there, or you can bring a friend or family member for support. And of course you’ll be there.

And then the mediator— the mediator is kind of like a judge. She won’t take sides between you and the bank. But unlike a judge, she can’t order you or the bank to do something. It’s okay to ask the mediator questions about the process or the bank’s documents if you don’t understand.

When the mediation starts, you will have time to show your documents and explain your proposal to pay. Be completely honest if you get asked any questions.

Then someone from the bank will tell the bank’s side of the story. The bank will have math calculations to show how much it would cost the bank to foreclose compared with allowing you to stay but with a reduced loan payment.

If you don’t make a new payment agreement, be prepared to discuss your other options such as a later move-out date or short-sale. You should talk about these options with your housing counselor or attorney before the mediation so you’re ready.

Mediation Services Brisbane Qld

If you and the bank agree on a new plan, make sure you understand exactly what you’ll owe, and when. You can ask the mediator to help put it in writing, and have everybody sign it for proof. Your new payment plan may include a trial period to make sure you can really make the reduced payments. These are the most important payments you will make, because if you miss one, you won’t get a full loan modification and the bank may start foreclosure again.

Stick to the plan, though, and you may be able to stay in your home.

*** *** ***

This video was produced in December 2011. The laws may have changed since that time. This video provides general information only. Your situation may be very different than those shown in this video. This video is not a substitute for talking to a lawyer about your unique situation. It does not create an attorney-client relationship. It cannot predict or guarantee an outcome in any proceedings related to foreclosure mediation.

[PDF] “DOWNLOAD” The Mediation Process: Practical Strategies for Resolving Conflict Free

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[PDF] “DOWNLOAD” The Mediation Process: Practical Strategies for Resolving Conflict Free


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What Are the Different Types of Mediation?

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What Are the Different Types of Mediation?


In a divorce or child-related matter, there are two different types of mediation. In this video Wheaton family law attorney Lynn Mirabella discusses court-ordered mediation and private mediation, along with how the process of mediation can benefit your unique situation.

Mirabella, Kincaid, Frederick & Mirabella, LLC serves clients in DuPage and Kane County. Call 630-665-7300 today.

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[PDF] “DOWNLOAD” The Mediation Process: Practical Strategies for Resolving Conflict Free

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Progress Mediation

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Progress Mediation


What is the difference between Court Ordered Mediation and Private Mediation?

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[PDF] “DOWNLOAD” The Mediation Process: Practical Strategies for Resolving Conflict Free

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Family Mediation

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Family Mediation


BOOK REVIEW

FAMILY MEDIATION
Appropriate Dispute Resolution in a new family justice system

Second edition by Lisa Parkinson

Jordan Publishing Limited

ISBN: 978-1-84661-274-9

www.familylaw.co.uk

THE DEFINITIVE WORK ON FAMILY MEDIATION FROM JORDAN’S FAMILY LAW- AN ACKNOWLEDGED TOP AUTHORITY IN THE FIELD

An Appreciation by Phillip Taylor MBE and Elizabeth Taylor of Richmond Green Chambers

Emanating from family law and procedure in England and Wales, the first edition of this valuable book from renowned expert Lisa Parkinson, was published in 1997. We would agree with Wilson LJ, who expresses a degree of pleasant surprise that the first edition was translated into five European languages: Russian Portuguese, Italian, Spanish and Romanian — a significant indicator of the book’s value and success if we ever saw one!

However, as Wilson has pointed out, the first edition is now seriously out of date. Once a curious peripheral outside the mainstream of the family justice system, mediation is now virtually at the core of what is now known as Alternative Dispute Resolution (ADR).

The UK’s new coalition government now holds that family matters are going to be (or highly likely to be) removed from the court system. This is auto-mediation, you might say, on a whether-you-like-it-or-not basis and it’s obvious that this process is continuing.

Following government cuts, 103 courts in England and Wales are being closed during 2011 alone and undergoing relocation to large combined court centres. Effectively — and against some opposition — family matters are being taken outside the court system and placed squarely in the context of mediation.

There’s a caveat here. Based on our personal experience, mediation (so far) does not necessarily work, because warring parties too often have a stubborn tendency to remain obdurately locked in to their respective positions. Parkinson does confront this problem head on and concedes, we believe, that in such cases, recourse to the courts is the only way forward.

Mediation will nonetheless continue as the preferred — and sometimes compulsory — first port of call in family disputes, prior to court appearances, almost always at the insistence of judges.

As Wilson reminds us, family mediation is ‘far more complex and multifaceted that the uniformed observer might assume. We will need a vade mecum. It will be Lisa Parkinson’s book.’

All of which means that if you are professionally involved in family mediation, or you aspire to be, you seriously need the latest edition of this definitive work — out now from Jordan’s.

To aid your further research, there are appendices containing sample documentation, an extensive 10-page bibliography and useful index. This is an excellent guide to understanding how family mediation can be made to work successfully as a precisely structured and, for the most part, effective means of dispute resolution in family cases.
The publication date is March 2011 under the ‘Family Law’ publishing name from Jordans,

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[PDF] “DOWNLOAD” The Mediation Process: Practical Strategies for Resolving Conflict Free

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Mediation Video

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Mediation Video


A video created for the State of New Mexico describing how mediation can be used instead of going to court.

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Mediation: An Introduction to Mediation

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Mediation: An Introduction to Mediation


This video provides a brief summary of what a mediation for the Circuit Court of Cook County Mortgage Foreclosure Mediation Program will look like.

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[PDF] “DOWNLOAD” The Mediation Process: Practical Strategies for Resolving Conflict Free

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[PDF] “DOWNLOAD” The Mediation Process: Practical Strategies for Resolving Conflict Free


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The Mediation Process: Practical Strategies for Resolving Conflict

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