9th Circuit holds that Trustee is not a debt collector when foreclosing on a Deed of Trust

Foreclosure Notice

The Fair Debt Collection Practices Act is a federal statute that protects consumers from debt collectors.  But just when is a debt collector NOT a debt collector under the FDCPA? The Ninth Circuit recently held that a trustee, foreclosing on … Continue reading

A couple challenges the mortgage….and wins

Michael and Rebekah Cefalu had taken out a mortgage on their home in 2000. Unfortunately, they lost that home to Hurricane Katrina. Worse yet, they had no flood insurance. They stopped making their mortgage payment. Citibank was the servicer on … Continue reading

Who is "MERS" and why are they foreclosing on my mortgage?

With mortgage foreclosures at a record high, more people are beginning to learn who MERS is. They see this acronym as the party foreclosing on their mortgage and yet, they have never signed anything with this entity. MERS stands for … Continue reading

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