Article
Georgia’s 30-Day Foreclosure Notice: What It Must Say and What to Check
A Georgia foreclosure sale has to be preceded by a written notice mailed at least 30 days ahead. Here is what the law requires that letter...
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Articles, videos, white papers and podcast episodes on how pooled debt works, what your records can show, and what to do with them.
Article
205,822 Counseling Sessions, 9,426 Resolved Defaults: Where Housing Counseling Reaches Its Limit
Across 605 HUD-approved agencies in fiscal year 2025, outcomes that depend on the counselor and the client were common. The outcome that depends on the servicer...
Article
A Note to HUD Housing Counseling Directors: Where a Referral to Serv Fits
Your counseling program has a defined mandate, and a review of the servicer's compliance sits outside it. This note explains how we carry that work for...
Article
Proof Is Optional Until Somebody Asks: Who Checks the Authority to Foreclose
In much of the country a foreclosing party is never required to prove its authority unless the homeowner takes legal action. Michigan shows how a clear...
Article
Sworn, Unchallenged, Insured: How Untested Foreclosure Proof Becomes Title
In both foreclosure systems the foreclosing party supplies the proof of its own right to enforce, and in the ordinary case nobody tests it. A purchaser,...
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