Viewing papers 1-5 of 5 for banks AND improper AND foreclosure AND and AND mortgage

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Banks Improper Foreclosure and Mortgage Research Paper

… For example, by use of a bank check or through a debit card you can make a payment to someone else on the other side of the country or even on the other side of the world. If banks didn't exist this wouldn't really be possible without having to personally travel to make a payment. Other services they provide free of charge or for a small fee include relatively recent developments such as online banking, mobile banking, automated teller machines (ATMs), and even some technologies that allow you to deposit a check just by taking a picture of it with your phone and uploading the information to the bank. Without banks we would have to return to a barter society which is not feasible in…. [read more]


Bank of America SWOT Analysis SWOT

… Bank of America is one of the largest banks in the United States, with a nationwide presence. Despite this, the company has struggled in recent years, being the recipient of a substantial amount of bailout funds and recording a loss in fiscal 2010. This paper will analyze Bank of America using the SWOT analysis framework, outline the different stakeholder groups. It will then be determined what the company needs to do to meet the needs of those stakeholder groups, and analyze if these actions are currently being undertaken by the Bank.

Bank of America is the second-largest bank in the United States and the 10th-largest in the world by assets, with assets of $1.715 trillion, trailing only Citibank -- the two being the only major…. [read more]


3rd and Final Hardship Letter Thesis

… Hardship Letter

Any business relationship, whether it involves a bank, an employer, a neighbor or any other entity, should be entered into with a certain amount of trust on the side of both parties. A mortgage agreement should be no different. The mortgage company trusts that a consumer who enters into a loan agreement will make the payments he has agreed to, while the consumer trusts that the mortgage company will fulfill the terms expressed to him via the mortgage representative.

When I refinanced my home with your company a couple of years ago, I placed a certain amount of trust in your representative that he would do his job appropriately, and that was to offer me a better loan package on my $331,000 loan.…. [read more]


Federal Consumer Protection Law Research Paper

… Countrywide Financial

Consumer Protection and Predatory Lending

The Case Against Countrywide Financial

Consumer Protection and Predatory Lending

The Case Against Countrywide Financial

The most recent U.S. housing boom ended dramatically in 2007, with the near collapse of the economy and the sudden loss of trillions of dollars in home equity and stock values. For years before this sudden recession, some domestic mortgage lenders were setting profit records issuing loans to consumers who would never have previously qualified. In fact, several of the most successful of these lenders were actively engaged in a pattern of predatory lending.

The definition of predatory lending turns on who really benefits in the questioned mortgage transaction. The fact that the homeowner does NOT benefit (but the loan broker does) is…. [read more]


Gilbert's Summaries Contracts the Law Essay

… Gilbert's Summaries

Contracts

The law of contracts represents society's attempt to formalize promises between parties. Promises are agreements between parties that are supported by consideration. Historically, consideration was described as a benefit received by one promisor or as detriment incurred by the opposing promisor. Modern legal theorists, however, describe consideration as being equivalent to a bargain, that is, an exchange of promises where each party views what he is giving as the price for what he gets. There are some limitations on this approach so other legal experts view consideration as anything that makes a promise or contract enforceable.

Promises or consideration take on various forms. There are promises that are mutual, promises that are unilateral, and promises that are subject to further conditions. Regardless…. [read more]

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