14 FEB 2024 · Tips (from a realtor) on how to avoid foreclosure. Attorneys: Jason Billick http://abdmlaw.com/attorney_billick Bill Clanton https://www.clantonlawoffice.com/ Real estate needs? Contact Bryan Treat at https://orchard.com/agent/bryan-treat or https://orchard.com

30 NOV 2022 · In a podcast conversation, Bryan Treat and Jason Billick discuss the foreclosure process with Homeowners Associations (HOAs). They explain that when homeowners fall behind on their mortgage payments, they often also fall behind on paying their HOA assessments. HOAs have the power to enforce these assessments and can file a lawsuit or assert a lien on the homeowner's property. The speakers emphasize that HOA assessments are crucial for the functioning of the community and its day-to-day operations. The speakers delve into the foreclosure process, explaining that the HOA can foreclose on a property if the homeowner fails to pay the assessments. The property is then sold at a foreclosure sale, with the opening bid being the amount owed in assessments plus any fees and costs incurred. The property is typically bought subject to any senior liens, such as a mortgage. The speakers stress the importance of understanding the right of redemption in HOA foreclosures, which allows homeowners to buy back their property within a certain timeframe by paying the debt owed and potentially additional costs. They advise homeowners to hire an attorney well-versed in HOA law to navigate the redemption process. The speakers also mention that homeowners should communicate with the HOA and explore options like payment plans to avoid foreclosure. They highlight the need for homeowners to stay informed, open their mail, and seek legal advice to navigate the complexities of HOA foreclosures. The podcast is important for individuals facing foreclosure or eviction due to income reductions during the pandemic, providing them with information and resources to protect their homes. It emphasizes the importance of understanding the process and potential financial implications of HOA foreclosures and encourages homeowners to seek legal assistance to protect their interests. Contact Jason Billick at http://abdmlaw.com/attorney_billick/ Contact Bryan Treat at https://orchard.com/agent/bryan-treat See all of our episodes at www.texasforeclosurepodcast.com

23 NOV 2022 · In a podcast episode, Bryan Treat and attorney Jason Billick discuss the impact of Homeowners Associations (HOAs) on homeowners. They explain that HOAs are legal entities created by real estate developers to manage and maintain developments, amenities, and enforce restrictions. The role of CC&Rs (covenants, conditions, and restrictions) in governing HOAs is also discussed, along with the ability of HOAs to issue assessments to homeowners for maintenance and other expenses. The importance of understanding and complying with HOA rules is emphasized, as well as the potential consequences of non-compliance. The speakers mention the formation of committees, such as the architecture control committee, to enforce aesthetic standards in the neighborhood. Homeowners are advised to be aware of their HOA's functions, attend meetings, and maintain a good relationship with board members. The podcast briefly mentions that HOAs can file lawsuits against homeowners who repeatedly violate the rules. The next episode will focus on the foreclosure process initiated by HOAs when homeowners fail to pay assessments. This podcast provides valuable information and advice for homeowners dealing with HOAs, highlighting the importance of understanding and complying with HOA rules. Contact Jason Billick at http://abdmlaw.com/attorney_billick/ Contact Bryan Treat at https://orchard.com/agent/bryan-treat See all of our episodes at www.texasforeclosurepodcast.com

17 NOV 2022 · Interest rates continue to rise and sales prices are falling slightly. Foreclosures rates are increasing and the U.S. will be back to pre-pandemic foreclosure levels in early 2023. How can you get accurate accounting data from your bank? What are your rights? What are the common errors or problems that can occur in the servicing of your loan? Realtor Bryan Treat and San Antonio attorney Bill Clanton discuss. Contact Bryan Treat at https://orchard.com/agent/bryan-treat Contact Bill Clanton: https://www.clantonlawoffice.com/ www.texasforeclosurepodcast.com

31 OTT 2022 · What are the benefits of reverse mortgages? Are there pitfalls? Realtor Bryan Treat and Attorney Jason Billick discuss. Contact Jason Billick at http://abdmlaw.com/attorney_billick/ Contact Bryan Treat at https://orchard.com/agent/bryan-treat See all of our episodes at www.texasforeclosurepodcast.com

10 AGO 2022 · Need to learn how or if you can change the terms of your loan? Loan modification is a permanent change to your note, giving you relief and a lower payment. Attorney Jason Billick and realtor Bryan Treat explain. Contact Bryan Treat at https://orchard.com/agent/bryan-treat

3 AGO 2022 · What are zombie second mortgages? And how do they come back to life and potentially cause a foreclosure? Realtor Bryan Treat and San Antonio attorney Bill Clanton discuss. MORE INFO: https://texashomeownerassistance.com/ toll-free: 833-651-3874 https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments/homeowner-assistance-fund Have questions? Contact Bryan Treat at https://orchard.com/agent/bryan-treat DISCLAIMER: The information in this podcast is provided for general informational purposes only and may not reflect the current law in your jurisdiction. By listening to our podcast, you understand that there is no attorney client relationship between you and Texas Foreclosure Podcast. No information contained in this episode should be construed as legal advice from Texas Foreclosure Podcast or the individual author, hosts, or guests, nor is it intended to be a substitute for legal counsel on any subject matter. No listener of this episode should act or refrain from acting on the basis of any information included in, or accessible through, this episode without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the recipient’s state, country or other appropriate licensing jurisdiction. TEXAS FORECLOSURE PODCAST EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL’S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

27 LUG 2022 · You've received a letter in the mail and the foreclosure is happening. What can you expect? What are your rights? Jason Billick and Bryan Treat discuss the foreclosure process, how it still might be avoided and what best practices you should use. Contact Bryan Treat at https://orchard.com/agent/bryan-treat

20 LUG 2022 · President Biden rolled out the American Rescue Plan and part of that is the Homeowner Assistance Fund. It helps qualified homeowners who have fallen behind on their mortgage and related expenses due to the COVID-19 pandemic. Attorney Jason Billick and Realtor Bryan Treat explain your options. MORE INFO: https://texashomeownerassistance.com/ toll-free: 833-651-3874 https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments/homeowner-assistance-fund Have questions? Contact Bryan Treat at https://orchard.com/agent/bryan-treat DISCLAIMER: The information in this podcast is provided for general informational purposes only and may not reflect the current law in your jurisdiction. By listening to our podcast, you understand that there is no attorney client relationship between you and Texas Foreclosure Podcast. No information contained in this episode should be construed as legal advice from Texas Foreclosure Podcast or the individual author, hosts, or guests, nor is it intended to be a substitute for legal counsel on any subject matter. No listener of this episode should act or refrain from acting on the basis of any information included in, or accessible through, this episode without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the recipient’s state, country or other appropriate licensing jurisdiction. TEXAS FORECLOSURE PODCAST EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL’S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

13 LUG 2022 · Realtor Bryan Treat and attorney Jason Billick discuss the basics of mortgage forebearance options and how they may help you delay or avoid foreclosure. Have questions or need to speak to an attorney? Email us at texfordef@gmail.com. The hotline for the Dept. of Housing and Urban Development is 888-995-4673. Contact Bryan Treat at https://orchard.com/agent/bryan-treat DISCLAIMER: The information in this podcast is provided for general informational purposes only and may not reflect the current law in your jurisdiction. By listening to our podcast, you understand that there is no attorney client relationship between you and Texas Foreclosure Podcast. No information contained in this episode should be construed as legal advice from Texas Foreclosure Podcast or the individual author, hosts, or guests, nor is it intended to be a substitute for legal counsel on any subject matter. No listener of this episode should act or refrain from acting on the basis of any information included in, or accessible through, this episode without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the recipient’s state, country or other appropriate licensing jurisdiction. TEXAS FORECLOSURE PODCAST EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL’S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.