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.

The Mediation Process

Posted on in Mediation Services Brisbane Qld

The Mediation Process


John Sturrock, Chief Executive of Core Solutions, explains the mediation process.

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No mediation, compromise in rape cases: Supreme Court

Posted on in Sunshine Coast Mediation Specialists

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Florida Injury Lawyer – Do You Know How The Mediation Process Works? Part I

Posted on in Mediation Services Brisbane Qld

Florida Injury Lawyer – Do You Know How The Mediation Process Works? Part I


How does mediation happen? Florida injury lawyer Brian Denney discusses the actual mediation process and the confidentiality of what happens or is said at mediation. Why mediation can be an effective tool for attorneys and their clients; particularly in injury cases; such as, auto accidents, product liability defects, and medical malpractice cases.

Searcy, Denney, Scarola, Barnhart & Shipley

http://www.searcylaw.com

West Palm Beach Law Office
2139 Palm Beach Lakes Blvd.
West Palm Beach, FL 33409-6601
Toll-free: (800) 780-8607
Phone: (561) 686-6300
En Espanol: (800) 220-7006

Tallahassee Law Office
Towle House, 517 N. Calhoun St.
Tallahassee, FL 32301-1231
Toll-free: (888) 549-7011
Phone: (850) 224-7600
En Espanol: (800) 220-7006

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No Mediation in Rape Cases : Supreme Court – Thanthi TV

Posted on in Sunshine Coast Mediation Specialists

No Mediation in Rape Cases : Supreme Court – Thanthi TV


Directing Settlement in Rape Cases is ‘Spectacular Error’, Rules Supreme Court…- Thanthi TV

Catch us LIVE @ http://www.thanthitv.com/
Follow us on – Facebook @ https://www.facebook.com/ThanthiTV
Follow us on – Twitter @ https://twitter.com/thanthitv

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Ramaphosa gets Lesotho mediation process underway

Posted on in Mediation Services Brisbane Qld

Ramaphosa gets Lesotho mediation process underway


Deputy President Cyril Ramaphosa has kicked off his two day SADC mediation in Lesotho by meeting with the main opposition Democratic Congress. Ramaphosa arrived in Lesotho’s capital Maseru on Monday, for talks to restore stability in the Mountain Kingdom. He is on an official SADC assignment following last week’s meeting with various political parties…http://owl.li/BLNXh

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No mediation, compromise in rape cases: Supreme Court

Posted on in Sunshine Coast Mediation Specialists

No mediation, compromise in rape cases: Supreme Court


No mediation, compromise in rape cases :Supreme Court

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Christopher W. Moore mediation process mediator conflict resolution 3

Posted on in Mediation Services Brisbane Qld

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No mediation in rape cases, rules Supreme Court

Posted on in Sunshine Coast Mediation Specialists

No mediation in rape cases, rules Supreme Court


Overturning Madras High Court’s controversial directive allowing a rapist to mediate with the victim, the Supreme Court on Wednesday observed that a woman’s body is her temple and there should be no mediation and no compromise in rape cases.

While hearing the case the apex court lashed out at the Madras High Court terming the judgement as a ‘spectacular error’.

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Ft Lauderdale Family Lawyer Curtis Cowan Out of court divorce mediation

Posted on in Sunshine Coast Mediation Specialists

Ft Lauderdale Family Lawyer Curtis Cowan Out of court divorce mediation


Ft Lauderdale Family Lawyer Curtis Cowan Out of court divorce mediation

http://www.curtcowanlaw.com/

Although divorce may be an expensive endeavor, there are plenty of options out there to minimize the costs. Mediation, a collaborative approach that leads to out-of-court divorce, is perhaps the most effective cost-cutter when it comes time to separate.
There are a two main factors that determine whether or not a couple will pursue mediation: First, the couple must be willing to listen to each other and work together; second, an experienced legal mediator should supervise the arrangements to properly represent the interests of both parties.
If you need a divorce mediator in Broward County, contact attorney Curtis R. Cowan. He will take the time to assess the unique facts of your case and ensure you understand the options available. Schedule an appointment by calling 954-768-0720.
Mediation not only can save divorcing couples thousands in unnecessary court expenses, but it also prevents parents from exposing children to the emotional turmoil of custody battles. A mediator is trained to work with both parties and their attorneys to resolve any issues involving alimony, custody, visitation and property decisions. The divorce is kept a private matter and is usually much less expensive than a divorce handled in court.
Another benefit of mediation is that both parties are able to find a resolution that meets their needs. If children are involved, the divorcing spouses will have to work together for many more years. Fortunately, mediation sets the stage for a successful parenting partnership in the future.
Curtis R. Cowan of Broward County graduated magna cum laude from Nova Southeastern University Law School, where he was also an adjunct professor of law at the Nova Southeastern Law Center, teaching pretrial practice to second- and third-year law students. He understands how to navigate a divorce while avoiding unnecessary hassles. To schedule an appointment, please call us at 954-768-0720.

http://www.curtcowanlaw.com/

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MEDIATION PROCESS

Posted on in Mediation Services Brisbane Qld

MEDIATION PROCESS


Desmond Tutu meets Raila Odinga and the pentagon members.

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