Financial Instability of Sonoma County Families Breeds New Forms of Fraud
Sonoma County foreclosures may be less common than they were two years ago, but they continue to besiege financially vulnerable homeowners.
According to The Real Estate Report, notices of default in Sonoma County - the first step in the foreclosure process - jumped 52.1% in February. But the good news is that there were still down by 70.1% from the previous year.
Due to the avalanche of foreclosures in recent years, banks continue to own about 685 properties in the county.
Financial Vulnerability Breeds New Forms of Fraud
The Great Recession saw too many people lose their jobs and their homes. Unfortunately, unscrupulous individuals saw a window of opportunity amid this atmosphere of pain and financial uncertainty.
As part of their fraud, companies cropped up, claiming they could prevent foreclosure by negotiating with a consumer's lender or obtaining a loan modification.
These services were offered at a price and naïve and desperate homeowners facing the prospect of foreclosure gladly paid the fee.
Many of the companies pretended to be affiliated with the government or government housing assistance programs. Others falsely claimed to offer legal services or "audits" of consumers' loan paperwork to help them negotiate a resolution with their lenders.
Unfortunately, promised services were never delivered.
Continue reading "Financial Instability of Sonoma County Families Breeds New Forms of Fraud" »
The idea that an attorney‟s work product should receive protection from discovery was first recognized by the United States Supreme Court in 1947. Today, California law provides absolute protection to writings that reflect "an attorney‟s impressions, conclusions, opinions, or legal research or theories. All other work product receives qualified protection; such material "is not discoverable unless the court determines that denial of discovery will unfairly prejudice the party seeking discovery in preparing that party‟s claim or defense or will result in an injustice."
Payday loan companies, or as they used to be called "loan sharks", are creating a real problem for consumers who are in dire need of a quick buck for an unexpected expense. 



