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The Affordable Care Act, or as it’s now commonly called, ObamaCare, is changing how and what we all pay for health care.  And when I use the word, “changing,” what I mean is “increasing.” 

You see, when the Affordable Care Act says it’s “affordable,” it could be referring to the monthly premium cost of plans purchased on the exchange, the available

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It was an honor to help Arlie Matthews get his loan modified with Bank of America.  At the times when I sit and wonder why I’ve done what I’ve done, and how I can possibly continue doing it for one more day, I think of Arlie.  He was among the bravest the U.S. military has ever witnessed.  He was a member of a helicopter crew who flew during the Vi

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Saturday, 12 April 2014 |

Links 4/12/14

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The superhero tendency: Researchers find people with a ‘supersense’ for justice are swayed by reason rather than emotion Daily Mail

Idea of New Attention Disorder Spurs Research, and Debate New York Times. So any type of mental wiring that does not suit most employers is now deemed a disorder in order to medicate kids. Charming.

Babies

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I’m been lucky enough to receive many letters from homeowners since I’ve been writing on Mandelman Matters, usually from those whose homes I’ve helped save from foreclosure.   This homeowner, however, didn’t write to thank me for helping to save her home… I was not involved in her foreclosure battle.  She wrote to me because she wanted to tell othe

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In this era of government austerity, particularly at the state and local levels, the median police salary in the small township of Saddle Brook, N.J., is more than $120,000. Virtually the entire force enjoys six-figure annual incomes. In North Brunswick, about an hour down the Garden State Parkway, the median police salary is over $110,000....

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Jim Macklin and Dan Edstrom did a great job of packing a great deal of information into 28 minutes of talk time on the Neil Garfield Show last night. I am taking a couple of weeks off the show to do some common follow-up procedures to my heart surgery two years ago. Jim Macklin stepped in and did a great job of getting information into the hands

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“… the children of elderly borrowers are learning that their parents’ reverse mortgages are now threatening their own inheritances.”

That’s a sentence from Jessica Silver-Greenberg’s recent article for the New York Times on reverse mortgages, titled: Heirs of reverse mortgage holders may inherit the pitfalls, too[1].

It’s also a sentence that made m

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Click in tonite— tune in at The Neil Garfield Show

Or call in at (347) 850-1260, 6pm Thursdays

Guest Host Tonight is Jim Macklin, Managing Director, Secure Document Research located in Nevada. He has been a guest on the show before. A dynamic speaker and presenter, he has assisted me in presenting seminars for CLE credit for lawyers. His guest is

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I remember the days when people were worried about using the Internet for purchases because they weren’t convinced their credit card information would be transmitted securely. It now turns out that a version of Open SSL that has been in production for two years, and on which https and other services like instant messaging, e-mail, and other

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I appear to have sparked some controversy over my comments that were directed at modifications and servicer advances — subjects that are not necessarily related. But they could be related — as where the homeowner seeks a modification on which there have been servicer advances.

So to answer some questions about Modifications, I will first state

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