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	<title>Consumer Protection Corner</title>
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	<link>http://vanhornlegal.wordpress.com</link>
	<description>Ongoing discussion of consumer legal issues that come up in our day to day lives</description>
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		<title>Consumer Protection Corner</title>
		<link>http://vanhornlegal.wordpress.com</link>
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		<item>
		<title>Forensic Loan Audit- All that glitters is not gold! Part 2</title>
		<link>http://vanhornlegal.wordpress.com/2010/08/16/forensic-loan-audit-all-that-glitters-is-not-gold-part-2/</link>
		<comments>http://vanhornlegal.wordpress.com/2010/08/16/forensic-loan-audit-all-that-glitters-is-not-gold-part-2/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 00:53:28 +0000</pubDate>
		<dc:creator>vanhornlegal</dc:creator>
				<category><![CDATA[Debtor/Creditor]]></category>
		<category><![CDATA[General Legal]]></category>
		<category><![CDATA[Attorney General]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[customer service representative]]></category>
		<category><![CDATA[debtor]]></category>
		<category><![CDATA[Department of Corporations]]></category>
		<category><![CDATA[Department of Real Estate]]></category>
		<category><![CDATA[error]]></category>
		<category><![CDATA[forensic loan audit]]></category>
		<category><![CDATA[funding loan]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[law]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[leverage]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loan audit]]></category>
		<category><![CDATA[loan company]]></category>
		<category><![CDATA[loan funding]]></category>
		<category><![CDATA[loan investor]]></category>
		<category><![CDATA[loan mistakes]]></category>
		<category><![CDATA[loan mod]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan modification application]]></category>
		<category><![CDATA[loan originator]]></category>
		<category><![CDATA[loan servicer]]></category>
		<category><![CDATA[Local Congressperson]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[mod application]]></category>
		<category><![CDATA[mortgage company]]></category>
		<category><![CDATA[mortgage meltdown]]></category>
		<category><![CDATA[obstacle]]></category>
		<category><![CDATA[rescind loan]]></category>
		<category><![CDATA[RESPA disclosures]]></category>
		<category><![CDATA[RESPA error]]></category>
		<category><![CDATA[secondary market]]></category>
		<category><![CDATA[SOL]]></category>
		<category><![CDATA[State Department of Consumer Protection]]></category>
		<category><![CDATA[State Insurance Commissioner]]></category>
		<category><![CDATA[statute]]></category>
		<category><![CDATA[statute of limitations]]></category>
		<category><![CDATA[sub prime mortgage]]></category>

		<guid isPermaLink="false">http://vanhornlegal.wordpress.com/?p=50</guid>
		<description><![CDATA[ Some examples of the 'who' that are often overlooked include the following:

Department of Housing &#38; Urban Development (HUD) [www.hud.gov]
Department of Real Estate (DRE)
State Attorney General (AG)
Local Congressperson
State Insurance Commissioner
State Department of Consumer Protection (not in all states)
Department of Corporations (not in all states)
<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vanhornlegal.wordpress.com&amp;blog=14045556&amp;post=50&amp;subd=vanhornlegal&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://vanhornlegal.wordpress.com/2010/08/16/forensic-loan-audit-all-that-glitters-is-not-gold-part-2/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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		<title>B of A Servicer sued for abuse of homeowners!</title>
		<link>http://vanhornlegal.wordpress.com/2010/07/08/b-of-a-servicer-sued-for-abuse-of-homeowners/</link>
		<comments>http://vanhornlegal.wordpress.com/2010/07/08/b-of-a-servicer-sued-for-abuse-of-homeowners/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 16:34:23 +0000</pubDate>
		<dc:creator>vanhornlegal</dc:creator>
				<category><![CDATA[Debtor/Creditor]]></category>
		<category><![CDATA[General Legal]]></category>
		<category><![CDATA[abuse of borrowers]]></category>
		<category><![CDATA[abuse of homeowners]]></category>
		<category><![CDATA[attorney]]></category>
		<category><![CDATA[Attorney Search]]></category>
		<category><![CDATA[B of A finally sued]]></category>
		<category><![CDATA[B of A sued]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy debtor]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[CA Bar Journal]]></category>
		<category><![CDATA[California Bar Association]]></category>
		<category><![CDATA[California Bar Journal]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[client]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[debtor]]></category>
		<category><![CDATA[FC]]></category>
		<category><![CDATA[foreclosure blog]]></category>
		<category><![CDATA[foreclosure buzz]]></category>
		<category><![CDATA[forensic loan audit]]></category>
		<category><![CDATA[insurance declarations]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loan audit]]></category>
		<category><![CDATA[loan fraud]]></category>
		<category><![CDATA[loan mod]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan modification application]]></category>
		<category><![CDATA[loss mit rep]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[loss mitigation dept]]></category>
		<category><![CDATA[loss mitigation representative]]></category>
		<category><![CDATA[mod app]]></category>
		<category><![CDATA[mod application]]></category>
		<category><![CDATA[mod madness]]></category>
		<category><![CDATA[modification fraud]]></category>
		<category><![CDATA[mortgage borrowers]]></category>
		<category><![CDATA[mortgage company]]></category>
		<category><![CDATA[mortgage meltdown]]></category>
		<category><![CDATA[mortgage rescue]]></category>
		<category><![CDATA[mortgage rescue attorney]]></category>
		<category><![CDATA[mortgage resuce law firm]]></category>
		<category><![CDATA[mortgage sales]]></category>
		<category><![CDATA[mortgage servicer]]></category>
		<category><![CDATA[paycheck stubs]]></category>
		<category><![CDATA[profit and loss]]></category>
		<category><![CDATA[rescind loan]]></category>
		<category><![CDATA[RESPA disclosures]]></category>
		<category><![CDATA[servicers are playing a game]]></category>
		<category><![CDATA[sub prime mortgage]]></category>
		<category><![CDATA[tax returns]]></category>
		<category><![CDATA[three stooges]]></category>
		<category><![CDATA[wage garnishment]]></category>

		<guid isPermaLink="false">http://vanhornlegal.wordpress.com/?p=45</guid>
		<description><![CDATA[B of A is finally being sued by borrowers for the three stooges act they have been getting away with in the loss mitigation departments.  If you have ever worked on either side of this 'mod madness' it is obvious that the servicers are playing a game trying to wear out their borrowers so they just go away. <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vanhornlegal.wordpress.com&amp;blog=14045556&amp;post=45&amp;subd=vanhornlegal&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://vanhornlegal.wordpress.com/2010/07/08/b-of-a-servicer-sued-for-abuse-of-homeowners/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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	</item>
		<item>
		<title>Support the 1st Amendment! 1forall.us</title>
		<link>http://vanhornlegal.wordpress.com/2010/07/07/support-the-1st-amendment-1forall-us/</link>
		<comments>http://vanhornlegal.wordpress.com/2010/07/07/support-the-1st-amendment-1forall-us/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 03:23:23 +0000</pubDate>
		<dc:creator>vanhornlegal</dc:creator>
				<category><![CDATA[General Legal]]></category>
		<category><![CDATA[1st Amendment]]></category>
		<category><![CDATA[2010]]></category>
		<category><![CDATA[4th of July]]></category>
		<category><![CDATA[attorney]]></category>
		<category><![CDATA[client]]></category>
		<category><![CDATA[Constitution of the united States]]></category>
		<category><![CDATA[First Amendment]]></category>
		<category><![CDATA[Founding Fathers]]></category>
		<category><![CDATA[Fourth of July]]></category>
		<category><![CDATA[Framers of the Constitution]]></category>
		<category><![CDATA[Freedom of Religion]]></category>
		<category><![CDATA[Freedom of Speech]]></category>
		<category><![CDATA[Freedom of the Press]]></category>
		<category><![CDATA[Freedom to Assemble]]></category>
		<category><![CDATA[Freedom to Petition]]></category>
		<category><![CDATA[July 4]]></category>
		<category><![CDATA[July 4th]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[Revolutionary War]]></category>
		<category><![CDATA[US Constitution]]></category>

		<guid isPermaLink="false">http://vanhornlegal.wordpress.com/?p=39</guid>
		<description><![CDATA[It's dry, but interesting reading when you look at it in the context of legislative intent.  By that I mean what exactly were the framers getting at? What were they trying to protect us from?  What had happened in their lives that made these issues so important that they wrote it down as an amendment to the US Constitution?<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vanhornlegal.wordpress.com&amp;blog=14045556&amp;post=39&amp;subd=vanhornlegal&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://vanhornlegal.wordpress.com/2010/07/07/support-the-1st-amendment-1forall-us/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">vanhornlegal</media:title>
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	</item>
		<item>
		<title>Forensic Loan Audit- All that glitters is not gold!</title>
		<link>http://vanhornlegal.wordpress.com/2010/06/29/forensic-loan-audit-all-that-glitters-is-not-gold/</link>
		<comments>http://vanhornlegal.wordpress.com/2010/06/29/forensic-loan-audit-all-that-glitters-is-not-gold/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 17:33:02 +0000</pubDate>
		<dc:creator>vanhornlegal</dc:creator>
				<category><![CDATA[Debtor/Creditor]]></category>
		<category><![CDATA[General Legal]]></category>
		<category><![CDATA[attorney]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[client]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[debtor]]></category>
		<category><![CDATA[forensic loan audit]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loan audit]]></category>
		<category><![CDATA[loan mistakes]]></category>
		<category><![CDATA[mortgage company]]></category>
		<category><![CDATA[mortgage meltdown]]></category>
		<category><![CDATA[mortgage sales]]></category>
		<category><![CDATA[rescind loan]]></category>
		<category><![CDATA[RESPA disclosures]]></category>
		<category><![CDATA[sub prime mortgage]]></category>

		<guid isPermaLink="false">http://vanhornlegal.wordpress.com/?p=34</guid>
		<description><![CDATA[If the sales guy changes the interest rate on you without reissuing disclosures, heck, changing ANY term which is material to the loan (influences whether you will buy it) requires reissuing RESPA disclosures BEFORE the day the loan closes.  Since those pesky disclosures are mailed out snail mail, the company needs to issue them a week or so before the closing.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vanhornlegal.wordpress.com&amp;blog=14045556&amp;post=34&amp;subd=vanhornlegal&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://vanhornlegal.wordpress.com/2010/06/29/forensic-loan-audit-all-that-glitters-is-not-gold/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">vanhornlegal</media:title>
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		<item>
		<title>Does Debtor&#8217;s Prison Still Exist??</title>
		<link>http://vanhornlegal.wordpress.com/2010/06/09/does-debtors-prison-still-exist/</link>
		<comments>http://vanhornlegal.wordpress.com/2010/06/09/does-debtors-prison-still-exist/#comments</comments>
		<pubDate>Wed, 09 Jun 2010 21:26:19 +0000</pubDate>
		<dc:creator>vanhornlegal</dc:creator>
				<category><![CDATA[Debtor/Creditor]]></category>
		<category><![CDATA[General Legal]]></category>

		<guid isPermaLink="false">http://vanhornlegal.wordpress.com/?p=22</guid>
		<description><![CDATA[Most people who don’t pay their debts are unable to pay, not merely unwilling.  I can’t imagine that jailing them is going to help them get or keep employment in order to meet their obligations and feed their families.  This just adds another layer of anxiety to an already beleaguered nation of consumers.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vanhornlegal.wordpress.com&amp;blog=14045556&amp;post=22&amp;subd=vanhornlegal&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://vanhornlegal.wordpress.com/2010/06/09/does-debtors-prison-still-exist/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">vanhornlegal</media:title>
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	</item>
		<item>
		<title>Should I consider bankruptcy??</title>
		<link>http://vanhornlegal.wordpress.com/2010/06/09/should-i-consider-bankruptcy/</link>
		<comments>http://vanhornlegal.wordpress.com/2010/06/09/should-i-consider-bankruptcy/#comments</comments>
		<pubDate>Wed, 09 Jun 2010 19:13:02 +0000</pubDate>
		<dc:creator>vanhornlegal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Debtor/Creditor]]></category>
		<category><![CDATA[General Legal]]></category>
		<category><![CDATA[attorney]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy debtor]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[client]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[debtor]]></category>
		<category><![CDATA[forensic loan audit]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loan audit]]></category>
		<category><![CDATA[loan mistakes]]></category>
		<category><![CDATA[mortgage company]]></category>
		<category><![CDATA[mortgage meltdown]]></category>
		<category><![CDATA[mortgage sales]]></category>
		<category><![CDATA[repo]]></category>
		<category><![CDATA[rescind loan]]></category>
		<category><![CDATA[RESPA disclosures]]></category>
		<category><![CDATA[sub prime mortgage]]></category>
		<category><![CDATA[trustee]]></category>
		<category><![CDATA[wage garnishment]]></category>

		<guid isPermaLink="false">http://vanhornlegal.wordpress.com/?p=19</guid>
		<description><![CDATA[ In filing for bankruptcy you are not cheating your creditors, you are not taking advantage of some obscure loophole, you are utilizing the legal tools available to survive. Whether your particular financial issues, stem from the loss of a job, a medical crisis or family emergency, if you meet the criteria of the 2005 amendment to the bankruptcy code, you are entitled to a fresh start under the law.
<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vanhornlegal.wordpress.com&amp;blog=14045556&amp;post=19&amp;subd=vanhornlegal&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<item>
		<title>Hello world!</title>
		<link>http://vanhornlegal.wordpress.com/2010/06/05/hello-world/</link>
		<comments>http://vanhornlegal.wordpress.com/2010/06/05/hello-world/#comments</comments>
		<pubDate>Sat, 05 Jun 2010 03:06:36 +0000</pubDate>
		<dc:creator>vanhornlegal</dc:creator>
				<category><![CDATA[General Legal]]></category>

		<guid isPermaLink="false">http://vanhornlegal.wordpress.com/?p=1</guid>
		<description><![CDATA[Welcome, make yourself at home, kick off your shoes and stay awhile...<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vanhornlegal.wordpress.com&amp;blog=14045556&amp;post=1&amp;subd=vanhornlegal&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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