Weather
The Pine Tree, News for Calaveras County and Beyond Weather
Amador Angels Camp Arnold Bear Valley Copperopolis Murphys San Andreas Valley Springs Moke Hill/West Point Tuolumne
News
Business Directory
Weather & Roads
Sports
Real Estate
Search
Weekly & Grocery Ads
Entertainment
Life & Style
Government
Law Enforcement
Business
Wine News
Health & Fitness
Home & Garden
Food & Dining
Religion & Faith
Frogtown USA
Legal Notices
Calendar
Polls
Columns
Free Classifieds
Letters to the Editor
Obituaries
About Us

Coming Soon...
Monday, Jan 22
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
Tuesday, Jan 23
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
Wednesday, Jan 24
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
All Day Overeaters Anonymous meeting
11:00 AM Guided Tours of Ironstone Vineyards
Thursday, Jan 25
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
Friday, Jan 26
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
11:00 AM Guided Tours of Ironstone Vineyards
Saturday, Jan 27
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
09:00 AM Selection and Care of Roses, Flowering Trees and Shrubs
10:00 AM Old Timers Museum Walking Tours Are Every Saturday at 10am.
11:00 AM Guided Tours of Ironstone Vineyards
11:00 AM Town Tours of Columbia State Historic Park
05:00 PM Calaveras High Grad Night- Ladies Bingo Night
Sunday, Jan 28
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
11:00 AM Sunday Funday at Ironstone Vineyards
11:00 AM Guided Tours of Ironstone Vineyards
11:00 AM Town Tours of Columbia State Historic Park
Monday, Jan 29
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
Tuesday, Jan 30
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
Wednesday, Jan 31
All Day The Wild Rose Presents "A Winter's Day" by Ken Mayer Photography
All Day Overeaters Anonymous meeting
11:00 AM Guided Tours of Ironstone Vineyards
Thursday, Feb 1
11:00 AM Guided Tours of Ironstone Vineyards
Saturday, Feb 3
10:00 AM Old Timers Museum Walking Tours Are Every Saturday at 10am.
11:00 AM Guided Tours of Ironstone Vineyards
11:00 AM Town Tours of Columbia State Historic Park
Sunday, Feb 4
11:00 AM Sunday Funday at Ironstone Vineyards
11:00 AM Guided Tours of Ironstone Vineyards
11:00 AM Town Tours of Columbia State Historic Park
02:00 PM Murphys Hotel Presents Their 11th Annual Chili Cook-Off February 4th.

Search Announcements




Log In
Username

Password

Remember Me



Posted by: Kim_Hamilton on 12/22/2012 10:44 AM Updated by: Kim_Hamilton on 12/22/2012 10:44 AM
Expires: 01/01/2017 12:00 AM
:

Attorney General Kamala D. Harris Announces the California Homeowner Bill of Rights to Take Effect on January 1

Sacramento, CA...Attorney General Kamala D. Harris today announced that the California Homeowner Bill of Rights, a landmark package of legislation that extends key mortgage and foreclosure protections to California homeowners and borrowers, will take effect on January 1, 2013. The new laws restrict dual-track foreclosures, guarantee struggling homeowners a reliable point of contact at their lender and impose civil penalties on fraudulently signed mortgage documents. In addition, homeowners may require loan servicers to document their right to foreclose....


“For too long, struggling homeowners in California have been denied fairness and transparency when dealing with their lending institutions,” said Attorney General Harris. “These laws give homeowners new rights as they work through the foreclosure process and will give Californians a fair opportunity to stay in their homes.”

Governor Jerry Brown signed the California Homeowner Bill of Rights into law to bring fairness, accountability and transparency to the state’s foreclosure process. As a result:

There is a restriction on dual-track foreclosures, where a lender forecloses on a borrower despite being in discussions over a loan modification to save the home.
Struggling homeowners are guaranteed lenders will provide them a single point of contact with knowledge of their loan and direct access to the banks’ decision makers.
The statute of limitations to prosecute mortgage-related crimes is extended from one to three years, allowing the Attorney General’s office to investigate and prosecute complex mortgage fraud crimes.
The Attorney General’s office can use statewide grand juries to investigate and indict the perpetrators of financial crimes involving victims in multiple counties.
Purchasers of foreclosed homes are required to give tenants at least 90 days before starting eviction proceedings. If the tenant has a fixed-term lease of one year or less, the new owner must honor the lease unless the owner can prove that exceptions intended to prevent fraudulent leases apply.
Local governments have additional tools to fight blight caused by multiple vacant homes in their neighborhoods.

The California Homeowner Bill of Rights marks a significant step in Attorney General Harris’ response to the state’s foreclosure and mortgage crisis. The Mortgage Fraud Strike Force was created in May 2011 to investigate and prosecute misconduct at all stages of the mortgage process. In February 2012, Attorney General Harris secured a commitment from the nation’s five largest banks of up to $18 billion for California borrowers.

For more information, see http://oag.ca.gov/hbor.



Comments - Make a comment
The comments are owned by the poster. We are not responsible for its content. We value free speech but remember this is a public forum and we hope that people would use common sense and decency. If you see an offensive comment please email us at news@thepinetree.net

Mark Twain Medical Center
Meadowmont Pharmacy
Bank of Stockton
Bear Valley Real Estate
Bear Valley Cross Country
Cedar Creek Realty
Cave, Mine & Zip Lines
Fox Security
Bistro Espresso
Pinnacle Physical Therapy
Chatom Winery
Middleton's Furniture
Bear Valley Mountain Resort
Paul D. Bertini
Premier Properties
High Country Spa & Stove

Ebbetts Pass Scenic Byway
Sierra Logging Museum
Calaveras Mentoriing
Jenny's Kitchen

Copyright © The Pine Tree 2005-2018