The Blog with the Search Engine for Statistics

Wednesday, July 1, 2009

Foreclosure Statistics and Foreclosure Defense Links

Foreclosure news is getting tiring, but since I'm joining the ranks of people with their houses in foreclosure and I haven't written in a while, I thought I'd throw up a post on foreclosure statistics to help those who are looking to find the latest foreclosure statistics. Personally, I'm just sick of reading about and dealing with foreclosure news and information. On top of my own foreclosure, I've had a few assignments writing articles on foreclosure and bankruptcy. No pity for me though, I'm looking forward to moving, my house is falling apart, and the house is in my ex-husband's name whom I haven't seen in four years. It'll be a weather shock though - we're planning on moving from NY to the Tri-cities area in TN. I'll be positioned right in the middle of my kids in PA, VA and NC. I'm tired of fighting winter and I have a low-tolerance for the cold, so I'll appreciate the above-zero no-shoveling-or-getting-stuck-in-the-driveway winters.

If you're looking for NY courts, forms and regulations, try the New York State Unified Court System website, and their page with a couple new 2008 foreclosure regulations. You can also find lots of court forms needed for foreclosure proceedings at the NY Bar Association website. A NY Times May 2009 article stated foreclosures are happening now more than ever in NY, so I don't feel all alone. The article has some easy to refer to charts and statistics as well. CNN reported that California is suffering from the most foreclosures, and also brought to light that the children suffer as a result of unexpected and financially difficult moves. Even as a mother of six, I hadn't given thought to the great impact foreclosure has on young children. Perhaps because my kids are going off to college anyhow (4 down, 2 to go), and the remaining two and I are looking forward to moving. I do think the effects of foreclosure on children is a topic that definitely deserves more attention, and likely more study.

Statehealth.org has foreclosure ranks and percentage changes by state. Virginia University has a 2009 report ccomparing foreclosure and housing statistics between states and metro areas. The Center for Housing Policy, a partner of the National Housing Conference, has a comprehensive state and metro comparison, drop down search option for statistics by metro area on their "Paycheck to Paycheck" analysis, and a list of housing and foreclosure reports.

If you need Federal data and statistics on foreclosure, the Federal Reserve Board has foreclosure maps and foreclosure trends, as well as a dedicated area for foreclosure resources. Docuticker is a "ticker" website of updated government news, and has updates of the latest foreclosure news from government agencies. You can always review the latest foreclosure search results from the White House website, or US Treasury search results on foreclosure,. The FDIC has some random foreclosure statistics, and if you want to browse through some 2009 foreclosure statistics in pdf files you can take a look at the FDIC's foreclosure search results. If you're looking for information on the banking industry, the FDIC also has links to banking data and statistics (obviously). The FDIC has a quarterly report in pdf form that you can view for 2009 statistics.

The Mortgage Bankers Association (MBA) gets quoted a lot in the news, but they don't have a lot of free statistics on their website. However, the Research Institute of Housing America (RIHA) is a trust 501(c) under the Mortgage Bankers Association, and is a good source for mortgage and housing data. You can also find the latest foreclosure statistics in news articles from websites like Market Watch.

Having a blog post on foreclosure statistics would be incomplete without mentioning HUD. First of all, they have datasets from the oft-referred to yearly American Housing Survey. HUD also has a research link with some housing data and statistics, and an "online library" to pursue HUD related topics a little further.

If you've gone to Realty Trac, take a look at this recent article examining the accuracy of foreclosure statistics reported by Realty Trac. I just found the Foreclosure Industry website, and it looks like it's keeping up with current foreclosure statistics, and the "Loan Audit" blog that is keeping up with mortgage and housing news.

You'll also find more data and recent news on foreclosure from a search result at the search engine in my blog.

For anyone wanting some legal resources on affirmative defenses to foreclosure, or just general legal information on foreclosure, I found the "Foreclosure Defense Group" website helpful, and I believe I used information from the Patriot's War website (although it was on their old website, they have a lot of info on their new one). NOLO is a publisher of legal books and their website is to promote their products, but they have a lot of links to free information, and I've often found their website very helpful in the beginning stages of research. They also have a useful page dedicated to foreclosure information and proceedings. You can also take a look at Kenneth M DeLashmutt's very nice article which includes easy to understand steps and defenses as well as a few case citations and useful foreclosure links. The Preventing Foreclosure blog has useful information, foreclosure defenses, and forms. If you haven't paid a visit to Scribd, they have tons of documents that people have uploaded to search. Try the search results for foreclosure or foreclosure affirmative defenses. There's also the Foreclosure Defense Nationwide blog with case citations and quotes from court foreclosure filings.

Above all, if you know someone who has received a Summons and Complaint for a foreclosure, make sure they serve their legal Answer within 20 days, even if it's "pro se." It will stall the foreclosure for months, and they'll have time to either get an attorney, look into loan modification, arbitration and settlement opportunities, deed-in-lieu of foreclosure, short sales, bankruptcy, and other prevention strategies and foreclosure options, or even wait for upcoming help for homeowners. There's a lot out there, and if you serve an Answer in time, you'll have time to review those options. Shoot me an email at getanswerserved at gmail dot com if you need some help typing up an answer to serve "pro se" and can't afford an attorney.

Well, I'm still sick of reading about foreclosure but they're not going away any time soon. I know there are thousands of other resources out there, unfortunately I wasn't able to pinpoint them all. I'll keep updating my blog's search engine so you can always check for more foreclosure statistics.

It's time for me to pack up now (pathetic pun intended)...happy statistics hunting or happy house hunting!

P.S. How could I forget my dear friend Swivel? Don't forget to check out foreclosure statistics, graphs and charts created by the Swivel community!

2 comments:

Statistics to Share July 16, 2009 at 11:13 AM  

Just want to throw up today's Yahoo News article headlining that foreclosures are up 15% in the first half of 2009:

http://news.yahoo.com/s/ap/20090716/ap_on_bi_ge/foreclosure_rates

Statistics to Share January 26, 2012 at 9:38 AM  

Swivel website has been (sadly) shut down. http://eagereyes.org/criticism/the-rise-and-fall-of-swivel

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Never Never Land, TN, United States
Mom of six kids (30, 27, 25, 22, 21, 13) in a far-from-average-statistics family. Freelance SEO Content Writer on the side. If I can help you in any way, shoot me a virtual letter at writerightforyou at gmail dot com.

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