爱译网logo 智能,研发,应用,推广  
           
会员名称: 会员密码: 注册
中文版
英文版
www.aitrans.net
AITRANS.NET--A HIGHWAY TO THE PALACE OF INTELLIGENCE AND WEALTH FOR TRANSLATORS AND READERS。让计算机模拟人的翻译思维,存储专业人士的高智力翻译成果,共建共享专业型智能化知识库,建立国际性智能翻译知识库标准,实现高质量的全自动机器翻译。
  首页    关于译世界    国际新闻    财经新闻
 
   
 
  Home > 国际新闻
 
哈里发司法部长调查通用汽车金融服务公司停止丧失抵押品赎回权

洛杉矶( 美联社 ) --加利福尼亚司法部长想要停止通用汽车金融服务公司抵押有限责任公司在州的取消抵押品赎回权,直到它证明它遵照意在防止丧失抵押品赎回权的州法律。

加利福尼亚司法部长杰理布朗在星期五说联盟金融有限公司,它是被通用汽车金融服务公司拥有,在努力对借款人做工作之前,其要证明是遵守法律去禁止贷款人采取措施取消一个家庭的抵押品赎回权。

国家法律涵盖抵押贷款的项目在2003年一月和2007年12月之间 。 它要求出借人在发通知给违反抵押贷款人之前,尝试与借款人接触去决定,如果他们是符合贷款修正案的话,这是丧失抵押品赎回权过程的第一步。

在星期一,通用汽车金融服务公司说会停止某些收回并且在23个州出售丧失抵押品赎回权的房屋—加利福尼亚不在他们中间—纠正在其取消抵押品赎回权过程中的“潜在问题”。

在星期五,公司进一步说过程上的差错由被一些州要求作为取消抵押品赎回权过程的部分某些宣誓书造成的。

“差错不与下面处理的准确性或者最终的决定执行的丧失抵押品赎回权过程有关”公司在一个声明中说。

此外,公司说回顾整件事没有任何关于细节的真实错误的证据,例如贷款结算,拖欠或通知和抵押的有效性。

联盟金融的女发言人拒绝对加利福尼亚司法部长的指令做出评论。

佛罗里达司法部长调查了三家律师事务所,因为怀疑其提供欺诈性的宣誓书,确定其在丧失抵押品赎回权案件中保留原始抵押票据。 在佛罗里达和在其它州,这文件允许出借人回避昂贵的审讯并且继续进行取消抵押品赎回权。

所调查的三个公司中的两个—马歇尔 西 沃森法律事务所和大卫 杰 斯特恩律师事务所—他们是在丧失抵押品赎回权诉讼中代表通用汽车金融服务公司。 同时,签署许多这样的据说错误的宣誓书的人是通用汽车金融服务公司的一个雇员。

在十二月被革职的,通用汽车金融服务公司雇员杰弗里说他一个月内签署10,000份宣誓书或者类似的文件没有亲自证实抵押持有人是谁。 那意味着许多取消抵押品赎回权发生是基于伪造的文件。

布朗暗示斯蒂芬是免职,说加利福尼亚私房屋主面对取消抵押品赎回权是“有明确的风险的,自从联盟财政公司承认其审查的许多丧失抵押品赎回权文档真的是虚假的。”

公司没有算出有多少私房屋主将受到暂停收回和丧失抵押品赎回权出售的影响。期待问题在几星期之内被解决;或者,解决最晚,在年终。

加利福尼亚是国家第四最高的取消抵押品赎回权率,上个月在194个家庭中就有一家收到丧失抵押品赎回权相关的警告,根据取消抵押品赎回权表服务地产数据有限公司。


 
Calif atty general asks GMAC to cease foreclosures

LOS ANGELES (AP) -- California's attorney general wants GMAC Mortgage LLC to stop foreclosures in the state until it proves it is complying with a state law aimed at preventing foreclosures.

California Attorney General Jerry Brown said Friday that he directed Ally Financial Inc., which owns GMAC, to prove it is complying with a law that prohibits lenders from taking steps to foreclose a home before making an effort to work with the borrower.

The state law covers mortgages made between Jan. 1, 2003, and Dec. 31, 2007. It requires lenders to attempt to contact a borrower to determine if they're eligible for a loan modification before issuing a notice of default on the mortgage, the first step in the foreclosure process.

On Monday, GMAC said it had halted certain evictions and sales of foreclosed homes in 23 states -- California is not among them -- to correct a "potential issue" in its foreclosure process.

On Friday, the company went further and said procedural errors were made in certain affidavits required by some states as part of the foreclosure process.

"The error is not related to the accuracy of the underlying transaction or the ultimate decisions to have exercised the foreclosure proceedings," the company said in a statement.

Moreover, the company said its review of the matter has revealed no evidence of any factual misstatements about details such as loan balance, its delinquency or the validity of the note and mortgage.

An Ally Financial spokeswoman declined to comment specifically on the California attorney general's directive.

The Florida attorney general is investigating three law firms for allegedly providing fraudulent affidavits that identify who holds the original mortgage note in foreclosure cases. In Florida and in other states, this document allows lenders to bypass a costly trial and proceed with a foreclosure.

Two of the three firms being investigated -- the Law Office of Marshall C. Watson and the Law Offices of David J. Stern PA -- have represented GMAC in foreclosure proceedings. And the person who signed many of these allegedly false affidavits was an employee of GMAC.

In a deposition taken in December, GMAC employee Jeffrey Stephan said he signed 10,000 affidavits or similar documents a month without personally verifying who the mortgage holder was. That means many foreclosures could have taken place based on false documentation.

Brown alluded to Stephan's deposition, saying California homeowners facing foreclosure are "clearly in jeopardy since an Ally Financial official admitted his review of thousands of critical foreclosure documents was really a sham."

The company has not addressed how many homeowners would be affected by its suspension of evictions and foreclosure sales. It expects the issues to be resolved within a few weeks or, at latest, by year-end.

California has the nation's fourth-highest foreclosure rate, with one in every 194 households receiving a foreclosure-related warning last month, according to foreclosure listings service RealtyTrac Inc.


 

COPYRIGHT 2010 AITRANS, ALL RIGHTS RESERVED. 京ICP备9035536号

热线:010-82893875 邮箱:info@aitrans.net

 
 
360网站安全检测平台