Books RE: Mortgage

Here we assemble links to the books we found useful and would like to recommend. Comments should help - no book is universally perfect and we are glad to share our findings and notes, arrived from reading and applying those books in real life

Stop Foreclosure Now: Save your house if you can, Save your credit if you can't

this books is essential in understanding your options and needed steps throughout managing realty debts in default. It covers all states and has something for everyone.

However, while we worked with this book and used its advises in real life, we have a few things to say, please take note, that for the state of California, the following corrections apply:

Notice of Default - should be discussed (or disputed or questioned in any way) within first 30 days since Notice of Default was issued. Current book's edition suggests it's Ok to do at the last moment, even on 90th day of the Notice of Default life cycle, but in California it is not true

Beneficiary Statement - can only be requested within first 60 days since Notice of Default was issued, again, not Ok to wait all 90 days and then request

Law changes - this is in no way a fault of this book, but still relevant and important to keep in mind, that on July 8th 2008 certain Senate Bill 1131 (Chapter 69) was signed, which alternated the foreclosure procedure in the state of California, adding or alternating Civil Code sections 2923.5, 2923.6, 2924.8 and 2929.3 and Code of Civil Procedure section 1161b. Among many provisions, important to note that now, prior to issuing a Notice of Default, Lenders have to use due diligence and attempt to contact the Borrower in order to discuss a possibility reinstate or modify the loan

If it is resolved that you will be generating rental income from your property, the following two books are important to keep handy:







The California Landlord's Law Book: Rights & Responsibilities. Book with CD-Rom (12th edition)

and

The California Landlord's Law Book: Evictions. Book with CD-Rom (12th edition)

Main thing to keep in mind while reading and using those books, is that City's ordinances regarding tenants, also known as Rent Control, are enforced in some cities, playing bigger and more important role in landlord-tenant relationship then Federal or State -wide regulations

refer to San Francisco Rent Board Ordinance or rent laws and regulations of City of Berkeley as for a couple really good examples





Nolo Press provides us with two good books on Credit Repair subject -
Solve Your Money Troubles: Get Debt Collectors Off Your Back & Regain Financial Freedom (11 th edition)
and
Credit Repair (book with CD-Rom)





Without basics you may find yourself scared or confused once entered a court building or even by receiving a simple law firm's letter - we say OBJECTION! Don't let yourself be intimidated, read some of these books and be calm and confident!
Represent Yourself in Court: How to Prepare & Try a Winning Case

Win Your Lawsuit: A Judge's Guide to Representing Yourself in California Superior Court

How and When to be Your Own Lawyer

Win Your Case: How to Present, Persuade, and Prevail--Every Place, Every Time

Nolo's Deposition Handbook

Legal Research: How to Find & Understand the Law

should definitely help