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.

What Are the Different Types of Mediation?

Posted on in Sunshine Coast Mediation Specialists

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. http://www.mkfmlaw.com/

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Leonard Riskin: Changing Lawyers’ Understanding of Resolving Disputes – Mediate.com Video

Posted on in Mediation Services Brisbane Qld

Leonard Riskin: Changing Lawyers’ Understanding of Resolving Disputes – Mediate.com Video


Leonard Riskin saw certain unahappiness in law schools that he linked to the adversarial process of settling disputes. Instead of a win-lose scenario, he attempted to help lawyers see and use mediation as a way to open their minds to a more positive process that would satisfy parties’ underlying interests and needs.

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Survival Strategies: Going to Court & Mediation

Posted on in Sunshine Coast Mediation Specialists

Survival Strategies: Going to Court & Mediation


The number for the National Domestic Violence Hotline is 1.800.799.SAFE (7233)

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The benefits and the power of Mediation Explained

Posted on in Mediation Services Brisbane Qld

The benefits and the power of Mediation Explained


Mediation is one of those words that everyone knows. But the understanding of the process of Mediation is entirely different. Here two world renowned Mediators tell you what it’s all about.

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Disputes and court cases on the Costa del Sol – Part 5 – Mediation and Arbitration

Posted on in Sunshine Coast Mediation Specialists

Disputes and court cases on the Costa del Sol – Part 5 – Mediation and Arbitration


This is a companion video interview to our written guide, Disputes & Court Cases on the Costa del Sol. View that here: http://guides.global/guides/spain/costa_del_sol/ESP-costa_del_sol-disputes.php

Getting involved in a dispute is never a good thing. Getting involved in a dispute in a country where you don’t know the law and, possibly, the language, is extremely stressful. It’s a good idea to know what to expect in the event of a disagreement before you even start doing business on the Costa del Sol.

This video looks at two methods of solving a dispute that don’t mean having to deal with a lengthy court case: mediation and arbitration. How do these processes work in Spain?

John Howell (editor@guides.global), Editor & Founder of Guides.Global, speaks to Antonio Manzanares (info@manzanaresinternational.com), Partner at Manzanares International.

Visit http://www.manzanares-es.com/en to contact Manzanares International for legal advice in the Costa del Sol.

Visit http://Guides.Global for hundreds of guides about how things work in other countries.

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What is mediation and how exactly does the process work?

Posted on in Mediation Services Brisbane Qld

What is mediation and how exactly does the process work?


kesslerattorneyandmediator.com

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Mediation K Sathyan Undirected Mediation and Conciliation

Posted on in Sunshine Coast Mediation Specialists

Mediation   K Sathyan   Undirected Mediation and Conciliation


Mediation K Sathyan Undirected Kerala Mediation and Conciliation Center High Court of Kerala
Land Case in Mediation center – Thaliparambu
Activities by Undirected Kerala Mediation and Conciliation Center
Advantages of Mediation
Free service in Mediation
Delay in Mediation based Petition
Advantages of Advocates in Mediation
Kerala State Legal Services Authority and Mediation
Withdrawing Mediation

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DFEH Intake to Decision: Episode 4 – Conciliation or Mediation

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DFEH Intake to Decision: Episode 4 – Conciliation or Mediation


“DFEH Intake to Decision” presents a typical sequence of the Department of Fair Employment and Housing’s administrative process for handling an employment discrimination complaint. Based on a fact pattern fictionalized from an actual case of perceived disability discrimination, the seven-part series features: 1) initial contact; 2) intake interview; 3) investigation; 4) conciliation or mediation; 5) accusation; 6) hearing; and 7) conclusion or decision.

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What is the Difference Between Mediation and Therapy? A PM Mediation Minute

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What is the Difference Between Mediation and Therapy? A PM Mediation Minute


What is the difference between Mediation and Therapy?

The process of mediation, therapy and counseling differ in their objectives, in their methods, and in their boundaries. Therapy and Counseling identify patterns in behavior and delve under those patterns to discover how they originated in order to help individuals eliminate, control or reduce troublesome behavior. In Mediation, past patterns are no longer relevant. The process does bring about behavioral change but not based on internal changes achieved by greater insight as with therapy. Behavior is altered in response to the process itself as the individuals learn to communicate and cooperate differently. It may be therapeutic in its effects . For example, If a husband and wife reach an agreement on parenting, they may feel better about their ability to work with one another or the final agreement may help them to come to terms with the end of their relationship. But the therapeutic result, if it happens, is a side-effect, not the purpose of the process.

For more information go to http://www.pmmediation.com/

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Mediation

Posted on in Sunshine Coast Mediation Specialists

Mediation


Mediation is a voluntary and confidential way to resolve family disputes. It is also an ideal solution whether the disputes are concerning children, housing and/or finances and come without the worry, expense and adversarial nature of litigation and Court appearances.

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