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foreclosure massachusetts

7 Defenses to Foreclosure in Massachusetts

This is a brief overview of various defenses to foreclosure available to homeowners in Massachusetts. Keep in mind that all mortgages and mortgage servicers are different. Regardless, homeowners are protected by certain rights and consumer protection related to the handling of mortgages and foreclosure in Massachusetts....

What to Do if Your Employer Doesn’t Pay You Overtime

There are strict laws in Massachusetts about when employees must be paid overtime. Employees have to be paid overtime in the amount of 1.5x their regular hourly rate for each our above 40 hours per week. For example, if someone earns $10.00 per hour and...

Massachusetts Issues New Mortgage Servicing and Foreclosure Regulations

The Massachusetts Division of Banks has issued rules regulating the conduct of banks and mortgage servicers. The regulations re-emphasize previous requirements, such as providing timely responses to payoff requests, and not foreclosing without legal authority to do so. The regulations are effective October 11, 2013. In...

Culik Law Announces New Boston Location

We are excited to announce a new Boston location - 470 Atlantic Avenue, 4th Floor, Boston, Massachusetts, 02210. In addition to our primary office in Woburn, Massachusetts, we are adding this office location along Boston's vibrant and beautiful waterfront and steps from the U.S. District Court...

Bank of America Headed to Trial For Wrongful Foreclosure

In a recent decision on the HAMP loan modification program, a magistrate judge of the US District Court for Massachusetts ruled that homeowners who were foreclosed on while under consideration for a loan modification may proceed with a lawsuit against Bank of America. Bank of America...

How to Defend Against a Debt-Collection Lawsuit

If you have received a notice that a debt collector filed a lawsuit against you in court, you may be wondering what to do. Often, people who are sued do not actually owe the debt because the account at issue was paid off already, or...

My Friend Got a 2% Loan Modification, Why Didn’t I?

My Friend Got a 2% Loan Modification, Why Didn’t I? The simple answer is that every loan modification is different – starting with the mortgage loan you had to begin with. It is likely that the terms of the original mortgage you received are different than...

Judge Allows Culik Law Loan Mod Case vs. Wells Fargo to Proceed

In a decision just issued in Massachusetts state court, a judge rejected a motion by mortgage giant Wells Fargo Bank, N.A. to dismiss homeowners' lawsuit for wrongful foreclosure. The lawsuit, filed in Berkshire Superior Court, alleges that Wells Fargo violated the Massachusetts Consumer Protection Act, Chapter...

Protecting Proceeds Home Sale in Bankruptcy

The Massachusetts Homestead Protection Law protects your home from being sold or seized by creditors in court proceedings or in bankruptcy for debts you might owe to them. If you intend to sell your home, and if you want to keep the sale proceeds safe...

CFPB’s Plan to Monitor Credit Bureaus

Credit bureaus collect all sorts of information about us from credit card companies. This information affects whether you can get a mortgage, a credit card, an apartment, and virtually every aspect of your financial life. ...