The Department of Veterans Affairs just announced that it is asking mortgage servicers not foreclose on veterans and service members who are delinquent on their VA home loans until May 31, 2024. The VA’s action comes in response to an NPR investigation that discovered thousands of veterans who utilized a COVID forbearance program offered by the agency were at risk of losing their homes even though they had done nothing wrong.

The Partial Claim Payment program (PCP), set up by Congress in the midst

The Department of Veterans Affairs just announced that it is asking mortgage servicers not foreclose on veterans and service members who are delinquent on their VA home loans until May 31, 2024. The VA’s action comes in response to an NPR investigation that discovered thousands of veterans who utilized a COVID forbearance program offered by the agency were at risk of losing their homes even though they had done nothing wrong.

The Partial Claim Payment program (PCP), set up by Congress in the midst of the pandemic, allowed borrowers to skip making mortgage payments for six or 12 months and offered those who used it an affordable way to resume making payments and deal with arrearages. For reasons that are unknown at this point, the VA allowed the program to expire in October of 2022. As a result of the unexplained lapse, more than 6,000 people are now in foreclosure and another 34,000 are delinquent.

In a letter dated November 15, 2023, Ohio’s Sherrod Brown and six other senators implored Denis McDonough, the Secretary of Veterans Affairs, to pause foreclosures until the VA developed and implemented a replacement for PCP that will enable veterans and service members to keep their homes and enter into affordable loan medication agreements with lenders. The letter, combined with the disturbing findings in the NPR report motivated the Secretary to call a halt to existing and potential foreclosure actions for six months.

If you are a veteran or servicemember impacted by the end of the PCP program or are experiencing other problems related to a VA home loan, please contact DannLaw today by calling 216-342-9901 or completing our online contact form to arrange a no-cost consultation. It will be our honor and privilege to discuss your situation and assist you.

Thank you for your service, and remember, DannLaw is here to support the veterans and servicemembers who protect us and the USA.

Hello and Happy Spring. I’m reaching out today to provide our clients and friends with updates about several pending cases, new investigations and an exciting new addition to the DannLaw legal team.  First I would like to introduce and welcome Jeff Crossman to DannLaw. Jeff, who recently joined DannLaw after serving in the Ohio House […]

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Hello and Happy Spring. I’m reaching out today to provide our clients and friends with updates about several pending cases, new investigations and an exciting new addition to the DannLaw legal team.  First I would like to introduce and welcome Jeff Crossman to DannLaw. Jeff, who recently joined DannLaw after serving in the Ohio House […]

The post DannLaw Client Update for May 2023… appeared first on dannlaw.com.

The End of Covid Forbearance is here. Time to rework your loan. 

The End of Covid Forbearance is here. Time to rework your loan. 

Mortgage forbearance and other programs made available to homeowners during the COVID-19 pandemic are about to end. That means millions of homeowners are or will soon be pursuing loan modifications or other work out options with their lenders. Karen Ortiz, Roberto Rivera, and DannLaw’s highly experienced and knowledgeable legal staff are here to help families navigate the complicated process and select the payment structure that best meets their needs. Please contact us to arrange a no-cost, no-obligation consultation by calling 216-373-0539 or completing our contact form.

Changes at DannLaw

We are sad to announce that Attorney Whitney Horton is leaving DannLaw after being a valuable member of our team for more than seven years. If Whitney has been working on your case, a notice of substitution of counsel will be filed in the next few weeks. Whitney Kaster, who was at DannLaw before the pandemic is returning to the firm on Monday April 24. Attorney Kaster will work me and Emily White on foreclosure defense matters and with Brian Flick on Consumer Protection cases.  In addition, Amanda Severt who has been our administrative assistant has been promoted and will now work as a paralegal assigned to foreclosure cases and state court litigation.

 Student Loan Changes

The U.S. Department of Education is making changes to the Income Based Repayment program for Federal Student Loans that should enable lower income borrowers to fulfill their obligations faster and qualify for Public Service or other Loan forgiveness programs sooner. You may read about the changes here. Richard Cordray who served as Ohio Treasurer and AG before being named the first director of the Consumer Financial Protection Bureau and is now in charge of Student Loan Issues at the DOE drafted and implemented these significant improvements.  

Foreclosures Are Ramping Up 

Along with forbearance and other relief programs, foreclosure stays are ending.  That means hundreds and perhaps thousands of new judicial foreclosure actions will be filed in Ohio, New Jersey and other states. We have the experience, expertise, and knowledge needed to save your home.

Remember this important point: The filing of a foreclosure lawsuit is the beginning, not the end of the process. Please reach out to DannLaw or another attorney as soon as you know a foreclosure action has been filed against you. If you’ve been served with a foreclosure complaint you have a short time–28 Days in Ohio–to retain a lawyer and file an answer. The vast majority of people who retain us because they want to stay in their home are able to do exactly that.

In addition to defending the foreclosure action, we conduct a thorough investigation to determine if your mortgage loan servicer has followed all applicable rules and laws that govern mortgage lending. If we discover violations, we can bring and pursue claims against the mortgage company. Our foreclosure clients pay an affordable monthly payment into our trust account to cover the fees that we earn in their cases. We offer a free consultation. If you or anyone you know has been sued for foreclosure please contact us here, or call us at 216-373-0539. To schedule an appointment with me visit calendly.com/mdann.

 Regulation F Changes the Game for Debt Collectors and Consumers 

 The CFPB has enacted new strict rules that govern the manner in which debt collectors may contact you by mail, email, text, telephone or social media. You can read about the new regs here. In addition, Credit Reporting Agencies will no longer report most medical debt. This should help consumers improve their credit score. If you believe a debt collector has made a misrepresentation to you or contacted you by phone, letter, text, or email at an inappropriate time you may be entitled to financial compensation. Please feel free to contact us to discuss your situation.

 Data Breach Cases

Multiple courts have selected DannLaw to serve as Class Counsel in data breach Cases. A data breach occurs when a company fails to properly safeguard its customers’ personal information. Our legal staff devotes considerable time and resources to pursuing and securing just compensation for the inconvenience, expense, and aggravation data breach victims endure.

I have a new perspective on that today. I’ve been ensnared in multiple data breaches. Someone obtained my personal information and “took over” my bank account. I’ve spent 20 hours sorting out payments, ACHs and was forced to visit my bank three times. I have a renewed passion to ensure that companies who allow breaches to occur are held accountable for their actions.  If you are notified that your information is at risk due to a breach, contact us immediately so we can take all available legal steps to secure just compensation for you and other data breach victims.

We love receiving shout-outs from our clients—even from those who took a little while to become our clients. WE Just received this email from a person who contacted us in November of 2021because he was not happy with the lawyer who was handling his bankruptcy. He spoke to Brian Flick, leader of DannLaw’s Bankruptcy Practice […]

The post We love testimonials…. appeared first on The

We love receiving shout-outs from our clients—even from those who took a little while to become our clients. WE Just received this email from a person who contacted us in November of 2021because he was not happy with the lawyer who was handling his bankruptcy. He spoke to Brian Flick, leader of DannLaw’s Bankruptcy Practice […]

The post We love testimonials…. appeared first on The Dann Law Firm | Marc Dann Law Firm.

In 2010 Kim Naimoli of Geneva, New York who was struggling to make her mortgage payments in the wake of the 2007-2008 collapse of the housing market, applied for a loan modification under the provisions of the federal Home Affordable Modification Program (HAMP). Over the next six years Ms. Naimoli did everything right: she completed […]

The post Second

In 2010 Kim Naimoli of Geneva, New York who was struggling to make her mortgage payments in the wake of the 2007-2008 collapse of the housing market, applied for a loan modification under the provisions of the federal Home Affordable Modification Program (HAMP). Over the next six years Ms. Naimoli did everything right: she completed […]

The post Second Circuit Court of Appeals ruling in Ocwen/PHH case is major victory for homeowners, landmark decision will expand, strengthen RESPA, Regulation X protections appeared first on The Dann Law Firm | Marc Dann Law Firm.

As America struggles to shake the curse of COVID-19, millions of homeowners impacted by the pandemic continue to face numerous challenges, including determining what to do when mortgage forbearance ends. In this update, we’ll outline the available options and offer sound advice on how–and how not–to proceed. Before we discuss the options available to homeowners […]

The post DannLaw COVID-19 Update 15 appeared

As America struggles to shake the curse of COVID-19, millions of homeowners impacted by the pandemic continue to face numerous challenges, including determining what to do when mortgage forbearance ends. In this update, we’ll outline the available options and offer sound advice on how–and how not–to proceed. Before we discuss the options available to homeowners […]

The post DannLaw COVID-19 Update 15 appeared first on The Dann Law Firm | Marc Dann Law Firm.

DannLaw and Advocate Attorneys founder and former Ohio Attorney General Marc Dann and Andrew Engel of Advocate Attorneys LLP are hailing a recent Sixth Circuit Court of Appeals ruling that will enable them to continue fighting against Ohio’s unconstitutional  Board of Revision (BOR) tax foreclosure process in Federal District Court. The suit alleges that Montgomery […]

The post Sixth

DannLaw and Advocate Attorneys founder and former Ohio Attorney General Marc Dann and Andrew Engel of Advocate Attorneys LLP are hailing a recent Sixth Circuit Court of Appeals ruling that will enable them to continue fighting against Ohio’s unconstitutional  Board of Revision (BOR) tax foreclosure process in Federal District Court. The suit alleges that Montgomery […]

The post Sixth Circuit ruling allows legal team at DannLaw, Advocate Attorneys to continue battle against unconstitutional foreclosure process appeared first on The Dann Law Firm | Marc Dann Law Firm.

A lot has changed since we posted our last update. A new president is in the White House, mortgage forbearance programs and foreclosure moratoriums have been extended by the federal government, a $1.9 trillion stimulus package is working its way through Congress, millions of Americans have been vaccinated against the coronavirus and the entire U.S. […]

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A lot has changed since we posted our last update. A new president is in the White House, mortgage forbearance programs and foreclosure moratoriums have been extended by the federal government, a $1.9 trillion stimulus package is working its way through Congress, millions of Americans have been vaccinated against the coronavirus and the entire U.S. […]

The post DannLaw Covid-19 Update 13 appeared first on The Dann Law Firm | Marc Dann Law Firm.

Hello, happy holidays, and welcome to DannLaw COVID-19 update 12. In this edition, I’ll unwrap the details of the long-overdue stimulus package that was just passed by Congress and signed by the President. While the 5,600-page bill doesn’t contain anything that would set 12 lords to leaping or qualify as tidings of great joy, it […]

The post DannLaw COVID-19 Update 12–Finally, a New

Hello, happy holidays, and welcome to DannLaw COVID-19 update 12. In this edition, I’ll unwrap the details of the long-overdue stimulus package that was just passed by Congress and signed by the President. While the 5,600-page bill doesn’t contain anything that would set 12 lords to leaping or qualify as tidings of great joy, it […]

The post DannLaw COVID-19 Update 12–Finally, a New Stimulus Package appeared first on The Dann Law Firm | Marc Dann Law Firm.

One of America’s most prestigious attorney rating services has just confirmed what his colleagues at DannLaw and the thousands of clients he has represented have long known: Brian Flick is a “SuperLawyer” in the field of consumer law. Super Lawyers selects attorneys using a patented multi-phase process that combines peer nominations and evaluations with independent […]

The post Brian

One of America’s most prestigious attorney rating services has just confirmed what his colleagues at DannLaw and the thousands of clients he has represented have long known: Brian Flick is a “SuperLawyer” in the field of consumer law. Super Lawyers selects attorneys using a patented multi-phase process that combines peer nominations and evaluations with independent […]

The post Brian Flick named consumer law “SuperLawyer” appeared first on The Dann Law Firm | Marc Dann Law Firm.