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.

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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Was the Madras High Court right in offering mediation after rape? | Kelvi Neram | News7 Tamil |

Posted on in Sunshine Coast Mediation Specialists

Was the Madras High Court right in offering mediation after rape? | Kelvi Neram | News7 Tamil |


Was the Madras High Court right in offering mediation after rape? | Kelvi Neram | News7 Tamil |

http://www.NS7.tv

facebook: http://fb.com/News7Tamil
twitter: http://twitter.com/News7Tamil

News 7 Tamil Television, part of Alliance Broadcasting Private Limited, is rapidly growing into a most watched and most respected news channel both in India as well as among the Tamil global diaspora. The channel’s strength has been its in-depth coverage coupled with the quality of international television production.

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City manager details mediation process, answers bankruptcy questions

Posted on in Mediation Services Brisbane Qld

City manager details mediation process, answers bankruptcy questions


City Manager Bob Deis discussed Stockton’s financial crisis and plans to enter mediation under California’s Assembly Bill 506 during a news conference on Feb. 24.

Video: Katie Combs
Editing: Katie Combs
recordnet.com
Originally published: Feb. 24, 2012

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Family Law Mediation

Posted on in Sunshine Coast Mediation Specialists

Family Law Mediation


In this session, I want to talk to you about mediation. In fact, this is the first of three alternative methods for resolving family law disputes that I will do videos on.

Read the transcript here: http://www.separation.ca/videos/alternative-dispute-resolution

Alternative Dispute Resolution, commonly referred to as ADR, can be preferable for individuals or families experiencing disputes. There are a variety of reasons for this. These processes can also be more cost-effective and efficient, because the timing is controlled by the parties and their lawyers, as opposed to Judges and Court staff.

Alternatives to Court also tend to be less conflict-ridden and more client-centered in terms of resolving the dispute and they often result in a compromise willingly arrived at by both parties. Ultimately, the parties can be put into a position where they can craft a solution that is tailored to the particular circumstances of their case, whereas through the Court system, the ultimate resolution is rarely subject to mutual customization.

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Small Claims BC – Mediation in Vancouver

Posted on in Sunshine Coast Mediation Specialists

Small Claims BC – Mediation in Vancouver


This video describes the process of mediation in Vancouver Small Claims Court.

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Te Rito: Human Rights Commission Mediation Process

Posted on in Mediation Services Brisbane Qld

Te Rito: Human Rights Commission Mediation Process


If you make a complaint to the Human Rights Commission there are many ways that your complaint may be resolved.
One way is through mediation. This video is designed to illustrate the mediation process.

You can learn more about our Enquiries and Complaints process here: http://www.hrc.co.nz/enquiries-and-complaints

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The Process of Spousal Support Mediation with Out-of-Court Solutions

Posted on in Sunshine Coast Mediation Specialists

The Process of Spousal Support Mediation with Out-of-Court Solutions


Hi, I’m Oliver Ross. I’m the founder of Out-of-Court Solutions, and for the past 18 years I’ve been a full time mediator.

Spousal support, let me start off by saying that spousal support is one of, if not, the most unpredictable area of the law there is in Arizona and many other states. If any mediator or any lawyer is to tell a person going through divorce, they know exactly what a court will do when it comes to the issue of spousal maintenance, it’s just not true. You actually want to walk away from that person, because you can submit the same facts to 10 different judges and get six or seven answers. So the way we go about it in mediation is very different than if you are using two separate lawyers, because the lawyers would want to hire accountants, each side contending that the standard of living was either higher or lower, and they might want to even hire career consultants contending how much income each spouse could earn.

Here in mediation, first of all, as to determining what the reasonable needs of the person, of the spouse, claiming spousal maintenance would be, we use income and expense spreadsheets. In other words, our clients get a specially prepared spreadsheet that lists all of their expenses, from their mortgage payment to how much they spend for food, and if there are minor children involved we actually have them break that down between themselves and the children. Once we get the wife’s expenses, once we get the husband’s expenses, then we share that information. I use a flat screen TV, we project it up there, and then the husband can ask the wife clarifying questions. For example, “Why do you have… “, “Why are you going to spend 0 a month on food”? “Why are you spending 0 a month for the beauty parlor”? And the wife can ask the husband questions like, “Why are you taking all these vacations or trips, you know, and spending X number of dollars.”

So through this process of sitting together with me as the mediator and collaboratively and cooperatively getting to a place where we understand what the reasonable needs of each the husband and the wife are over the next year or two at least, then we can compare that to the income that’s available, then they can collaborate and cooperate as to what the fair amount of spousal maintenance should be. Very different than if they were going to use lawyers because not only the process is much longer, it could take months if not years, where in mediation the average time is two or three months to resolve the spousal maintenance issue as well as all the other issues. Division of assets, allocation of debts, parenting of any minor children, and of course, if there are minor children, child support.

So, spousal maintenance, its like putting together a jigsaw puzzle, and I tell this to clients. Unless and until a certain number of pieces fall into place, in other words, what is the income? And if one spouse is employed part-time or not employed at all, what is their educational background? Their work experience background? What could they potentially be earning? Because that becomes a factor. Because the courts don’t look at necessarily what a person is earning, they look at what a person, based on their education background and experience, is capable of earning. And once we put all of those pieces of the jigsaw puzzle together, 95% if not 98% of the couples that I’ve mediated with reach an agreement that they both can live with about spousal maintenance.

Contact us at:
Out-of-Court Solutions
8350 E Raintree Dr, Suite A-205
Scottsdale, AZ 85260
480-422-3475

http://outofcourtsolutions.com

Out-of-Court Solutions offices are located in Scottsdale, Phoenix, Peoria, Glendale, Chandler, Gilbert, Tempe, Litchfield Park, Tucson and Casa Grande AZ.

Facebook: https://www.facebook.com/OutofCourtSolutions
Twitter: https://twitter.com/oocsarizona
Google Plus Page: https://plus.google.com/u/0/109755683103418511567/posts
Google Plus Profile: https://plus.google.com/101987323099444734023/posts
LinkedIn: http://www.linkedin.com/pub/oliver-ross/24/946/370
Blog: http://outofcourtsolutions.com/blog

Video By http://myfavoritewebdesigns.com

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Decatur County Commissioners Comment on Mediation process

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Decatur County Commissioners Comment on Mediation process


March 24, 2014 – Decatur County Board of Commissioners – Commissioners’ comment time. In order of speaking, George Anderson, Pete Stephens, Russell Smith, Butch Mosely, Rusty Davis, Decatur County Administrator Gary Breedlove and Commission Chairman Dennis Brinson.

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Acting Principal Environment Court Judge Laurie Newhook on Mediation

Posted on in Sunshine Coast Mediation Specialists

Acting Principal Environment Court Judge Laurie Newhook on Mediation


Acting Principal Environment Court Judge Laurie Newhook describes mediation processes in the Environment Court, at an Environmental Defence Society Community Workshop in Gisborne on 13 April 2013

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