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Posts Tagged ‘Suspensions’

Are Procedural Issues the Reason Behind Foreclosure Suspensions at GMAC and JP Morgan?

In the face of faltering loan modification numbers and a new monthly record set in August for Americans losing their homes to foreclosure, two of the largest lenders in the country in the country have suspended foreclosure proceedings due to questions about the validity of the associated foreclosure documents. JP Morgan Chase has suspended foreclosure proceedings on 50,000 foreclosures, due to documentation errors while GMAC Mortgage has suspended foreclosure activity in 23 states citing “procedural issues”.

The 23 states where GMAC (now owned by Ally Financial) voluntarily suspended foreclosures require a court order for foreclosure. Colorado has asked to be added to GMAC’s list while Jerry Brown, Attorney General for California and Democratic candidate for Governor, ordered GMAC to cease foreclosure proceedings in the state until a legal review of their procedures can be completed.

At issue in both situations are allegations that employees signed off on foreclosure-related documents without assessing the files. According to the Washington Post, one of GMAC’s employees hadn’t read the roughly 10,000 foreclosure documents he approved each month. That “productivity” works out to about one signed and approved foreclosure for each working minute of the day.

While both lenders have admitted that there have been some “procedural” errors, the possibility looms that there is a much more sinister reason for the rapid-fire signing of foreclosure documents; the Net Present Value (NPV) test. The NPV test is a series of calculations which lenders use on each troubled property to assess their highest return resulting from actions including foreclosure, loan modification, or short sale. The formula for these calculations has never been released to the general public but plays a dominant role in the determination of whether homeowners keep their homes, hire the services of a bankruptcy attorney, or are forced to leave due to foreclosure. In the case of GMAC and JP Morgan, it’s not a big stretch to presume the possibility that the applications being processed at one per minute did not require review because the NPV had already determined that foreclosure would provide their best outcome.

The biggest problem for homeowners trying to get approval for a loan modification is that they typically have no idea what the intentions of the lenders are. That situation is now changing due to the arrival of a product carrying the same information for homeowners as the NPV test provides to lenders. Known as the REST Report, the software generated assessment provides NPV information, a clear determination of HAMP eligibility, and loan modification options which can be determined prior to submission of the loan modification application.

While it may be too late for the unfortunate people who have unjustly lost their homes to foreclosure, the running a REST Report can give you the information you need to get a loan modification and avoid foreclosure. Even if you have been turned down for a loan modification or are working with a bankruptcy attorney, running a REST Report can strengthen your negotiating position with your lender.

Our CA bankruptcy attorneys and legal staff can negotiate with your creditors and mortgage lenders to stop harassing phone calls and help get your life back on track. If you need information on Loan Modifications, understanding Bankruptcy Lawyers, or would like to know more about the new Government HAMP Program for Principal Reductions and mortgage payment forgiveness.

Article Source:
http://EzineArticles.com/?expert=Daniela_Perez

Question by Go: How would one remove a unjust In School Suspension from their record, FL?
I recently received a In School Suspension (ISS) for entering my school without tucking in my tee-shirt. I would like to know if there is anything I can do to remove the ISS from my record. My school did not supply students with a rule book, nor do they have the rules available in ink when ask. I also never received any paper work to sign that would bind me to any rules. With all the rules in my school being implied, would there also be any legal infractions my school is committing by this.
By the way, the Principal gave the the suspension, so I would like it if no-one says speak to your principle..
I would also like to add in that I do run allot of events that bring in revenue for the school, and I take care of quite a few responsibilities that should never be given to a student.

Best answer:

Answer by Betsy
You (if you are 18) or your parents (if you are not) can appeal the suspension to the Superintendent of Schools and, if necessary, to the School Board if it is a public school. Public school suspensions may be appealed to the state department of education. If it is a private school, your parents can appeal to the board that runs that school.

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Hummel: Records in one-run games can be deceiving
NEWS ITEM: Suspended San Francisco outfielder Melky Cabrera waived his opportunity to be the National League batting champion, even though he probably still would have won the crown at .346 if one plate appearance, to give him the required 502, had …
Read more on STLtoday.com

Rega’s website: www.rega.co.uk Listen to a 7″ inch single that was thoroughly battered before I cleaned it with a Disco Antistat! Click the URL below for stereo!!!! uk.youtube.com

Are Procedural Issues The Reason Behind Foreclosure Suspensions At Gmac And Jp Morgan?

In the face of faltering loan modification numbers and a new monthly record set in August for Americans losing their homes to foreclosure, two of the largest lenders in the country in the country have suspended foreclosure proceedings due to questions about the validity of the associated foreclosure documents. JPMorgan Chase has suspended foreclosure proceedings on 50,000 foreclosures, due to documentation errors while GMAC Mortgage has suspended foreclosure activity in 23 states citing procedural issues.

The 23 states where GMAC (now owned by Ally Financial) voluntarily suspended foreclosures require a court order for foreclosure. Colorado has asked to be added to GMACs list while Jerry Brown, Attorney General for California and Democratic candidate for Governor, ordered GMAC to cease foreclosure proceedings in the state until a legal review of their procedures can be completed.

At issue in both situations are allegations that employees signed off on foreclosure-related documents without assessing the files. According to the Washington Post, one of GMAC’s employees hadn’t read the roughly 10,000 foreclosure documents he approved each month. That productivity works out to about one signed and approved foreclosure for each working minute of the day.

While both lenders have admitted that there have been some procedural errors, the possibility looms that there is a much more sinister reason for the rapid-fire signing of foreclosure documents; the Net Present Value (NPV) test. The NPV test is a series of calculations which lenders use on each troubled property to assess their highest return resulting from actions including foreclosure, loan modification, or short sale. The formula for these calculations has never been released to the general public but plays a dominant role in the determination of whether homeowners keep their homes, hire the services of a bankruptcy attorney, or are forced to leave due to foreclosure. In the case of GMAC and JP Morgan, its not a big stretch to presume the possibility that the applications being processed at one per minute did not require review because the NPV had already determined that foreclosure would provide their best outcome.

The biggest problem for homeowners trying to get approval for a loan modification is that they typically have no idea what the intentions of the lenders are. That situation is now changing due to the arrival of a product carrying the same information for homeowners as the NPV test provides to lenders. Known as the REST Report, the software generated assessment provides NPV information, a clear determination of HAMP eligibility, and loan modification options which can be determined prior to submission of the loan modification application.

While it may be too late for the unfortunate people who have unjustly lost their homes to foreclosure, the running a REST Report can give you the information you need to get a loan modification and avoid foreclosure. Even if you have been turned down for a loan modification or are working with a bankruptcy attorney, running a REST Report can strengthen your negotiating position with your lender.

Our ca bankruptcy attorneys and legal staff can negotiate with your creditors and mortgage lenders to stop harassing phone calls and help get your life back on track. If you need information on Loan Modifications, understanding Bankruptcy Lawyers, or would like to know more about the new Government HAMP Program for Principal Reductions and mortgage payment forgiveness.

Inside The Nba - Metta World Peace's 7 Game Suspension - (25-4-2012)

The Inside the NBA crew discuss Metta World Peace’s seven game suspenison! I do not claim ownership or makin’ money from this video. All rights reserved by copyright owners. —- DISCLAIMER! —- Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.

Question by : Expunging or clearing suspensions off your driving record (abstract) from NJ MVC/DMV.?
I work for a car rental company. Their previous insurer had no issue with me. They are changing over to a new insurance company and the insurer has denied me to be on there new coverage. I have 0 points on my NJ DL ever since I started driving and up until this date. Also 0 insurance points. Although, my driving abstract has 3 suspensions on it. They were for, not presenting an insurance provider. When you register your car you need to provide proof of insurance. My policy number kept changing so every time I would put in the wrong one. So I would get a notice saying DL suspended until proof is provided. So each time I would drive to MVC and restore it the day of the notice. Anyway, is it possible to go to a) the DMV and pay to get some or all of the suspensions or anything on the record cleared/expunged? b) hire an attorney to clear the driving record in court? Are these solutions at all possible. My job is on the line and I am just trying to figure out some ways to go about this situation. Thanks

Best answer:

Answer by kelly_f_1999
get your driving report which should say what code it was for such as driving with no insurance
they should know that really and that shouldnt keep them from listed you
explain it was for , not presenting an insurance provider which they already know that info or they should anyways its not a moving volation really dont see why they wouldnt really has nothing to do with work at all

i drive for a living a company truck i had three points or more and ive stil there after having to crashes not my fault but still

Know better? Leave your own answer in the comments!
State yanks record number of real estate licenses
The agency also suspended 190 licenses, which was up almost 80 percent compared to 106 suspensions in the previous fiscal year. Another 138 licensees were surrendered while disciplinary action was pending. That figure is up 20 percent from 115 …
Read more on Bizjournals.com

Suspensions with Noe

This is my 5th suspension so far. Wish i had someone to record the first 4 so u the masses coulda seen my progression. Song is from Mastodon and you can tell its not timed at all. I just grabbed a song that was bout the same length as the vid heh. Enjoy 😀

Record Suspensions Legislation – Changes and Pardon Eligibility

Canadian Public Safety Minister Vic Toews introduced legislation on May 11 that would effectively eliminate pardons forever. Bill C-23 would have the term ‘pardons’ replaced with the term ‘record suspensions’, and the main purpose of the bill is to make getting a criminal record removed more difficult and even impossible for certain individuals.

Currently, people with a criminal record in Canada must wait at least 3-5 years after completing the terms of their sentencing before they are eligible to apply for a pardon, and the new legislation would have that increased to 5-10 years.

Individuals with certain convictions (multiple, violent or sexual) will never be eligible for record suspension under the proposed legislation.

The National Parole Board is responsible for deciding whether an individual should be granted/issued a pardon/record suspension. The Board would be given “absolute discretion” and power to look into the information surrounding the convictions when formulating a decision.

This article uses a statistical investigation to look into how many individuals with criminal records would be directly affected by the proposed legislation. Results showed that as many as 59.5% of the sample would be directly affected due to changes in eligibility waiting times, the type of offense or the number of convictions.

Criminal records create difficulties for individuals seeking employment, travel, educational or volunteer opportunities. The proposed legislation will make it more difficult for these individuals to remove their criminal records from public databases so they can successfully rehabilitate into society as law-abiding citizens.

To learn more about the possible effects of proposed record suspensions legislation changes and for more general information about bill C-23 please visit RecordSuspension.org

Article Source:
http://EzineArticles.com/?expert=R._Thomson

This I Believe Audiobook Excerpt--William F. Buckley, Jr.

Listen to William F. Buckley, Jr., founder of the National Review, speak about his belief in God in this audiobook excerpt from This I Believe: The Personal Philosophies of Remarkable Men and Women, edited by Jay Allison and Dan Gediman. Based on the NPR series of the same name, This I Believe features eighty Americans, from the famous to the unknown, completing the thought that the book’s title begins. Each piece compels readers to rethink not only how they have arrived at their own personal beliefs but also the extent to which they share them with others. Featuring many renowned contributors—including Isabel Allende, Colin Powell, Gloria Steinem, William F. Buckley Jr., Penn Jillette, Bill Gates, and John Updike—the collection also contains essays by a Brooklyn lawyer; a part-time hospital clerk in Rehoboth, Massachusetts; a woman who sells yellow pages advertising in Fort Worth, Texas; and a man who serves on Rhode Island’s parole board. Read more about the book This I Believe at us.macmillan.com Learn more about editor and radio producer Jay Allison at us.macmillan.com Read about editor and radio producer Dan Gediman at us.macmillan.com

Will incarceration affect my visa application?
If the crime was committed in Canada and you were deported, then this is more serious and you will need to make an application to the National Parole Board for a pardon before being deemed criminally admissible. If the crime is outside of Canada, you …
Read more on Jamaica Gleaner

Parole Board for Scotland: Report for 1994: [Hc]: [1994-95]: House of Commons Papers: [1994-95]

Parole Board for Scotland: Report for 1994: [Hc]: [1994-95]: House of Commons Papers: [1994-95]

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www.heartspeakproductions.ca Perspectives and Prospects – with Peter McKnight, Vancouver Sun – From the fourth 2009 Ting Forum on Justice Policy Lecture and Dialogue Series held at Douglas College in New Westminster BC on March 18th 2010. Event co-sponsored by the School of Criminology at Simon Fraser University, the Correctional Service of Canada and the Department of Criminology at Douglas College. Peter McKnight is a columnist and member of the editorial board of the Vancouver Sun, a legal analyst for Global National, and an adjunct professor in the School of Criminology at Simon Fraser University. A former lawyer, parole officer and hospital board chair, he holds an undergraduate degree in psychology, and advanced degrees in law, philosophy of science and journalism.

More National Parole Board Articles

Texas Driver?s License Fines and Suspensions

The Texas Driver Responsibility Program and Points on Your License

Texas uses the Texas Driver Responsibility Program (DRP) adopted by the state legislature (TRC §708; Article 10, House Bill 3588, 78th Legislative Session) to track individuals’ traffic violations, assign points to their records, and assess fines to drivers who receive or exceed a certain number of license points.  Not surprisingly, the point system has been an efficient revenue generator for the state.

The Texas DRP works by assigning points for Class C Misdemeanor Moving Violations.  Moving violations are defined in 37 Tex. Admin. Code §15.89, including a list of violations for which points are assigned. Two points are assigned for each moving violation in Texas or any other state, although no points are assigned for speeding if the posted speed limit was exceeded by no more than 10 %.  Three points are assigned for any moving violation that results in an accident.  Two points are assigned for each child safety seat violation, but no points are assigned for adult seat belt violations.  Points stay on the driver’s record for three years from the date of conviction for the violation.  The point system does not apply to offenses committed before September 1, 2003.

For more serious moving violations, offending drivers are penalized with substantial surcharges instead of points.  Drivers convicted for such offenses after September 1, 2003 must pay an annual surcharge for three years after the date of conviction for the offense.  These surcharges are cumulative.  For example, a driver convicted for Driving While Intoxicated (DWI) would have to pay a $ 1000 annual surcharge for three years, but a second DWI conviction within the three years requires an additional $ 1500 annual surcharge for three years from the second DWI conviction.

 

Some Conviction-Based Surcharges for traffic offenses include the following:
DWI, Intoxication Assault or Intoxication Manslaughter:

First offense: $ 1000 per year for three years
Second or subsequent offense: $ 1500 per year for three years
DWI with a blood alcohol level of 0.16 or higher: $ 2000 per year for three years

Failure to maintain financial responsibility: $ 250 per year for three years
Driving with an invalid license: $ 250 per year for three years
Driving without a license: $ 100 per year for three years

All of these surcharges are in addition to all other fees, including administrative and reinstatement fees, and will not affect any suspension, revocation, disqualification or cancellation action that may result from conviction of the offense.

The Texas Department of Public Safety (DPS) annually reviews all driving records for potential Surcharge Assessments.  If you receive 6 points in any consecutive three-year period, you will be assessed a $ 100 Surcharge for the year that you reached 6 points.  For each additional point over 6, your surcharge goes up by $ 25, with no upper limit.  For any subsequent year, if your driving record still shows 6 or more points for the previous three years, you will be assessed with an additional surcharge.  You could have to pay the surcharge for one or more additional years if 6 or more points are still on your record.  Point surcharges are cumulative, and they can vary for each year you are assessed if convictions are added or removed from your driving record.  There is potentially no limit to the fines you could pay for Texas traffic violations.

Should you fail to pay surcharges, your license may be suspended and you may have to pay additional fines.  Your license can also be suspended if you are convicted of 4 or more moving violations within a one-year period, or 7 or more moving violations within two years.

The days of simply paying your traffic ticket fine are gone.  Conviction for a traffic violation can be very costly and have more serious consequences for more serious violations such as DWI.

B. Notification to Drivers of Surcharges and License Suspensions:

Stay aware of your driving record status to avoid nasty surprises and unexpected fines.  The Texas Department of Public Safety notifies drivers by mail when they have been assessed surcharges, with monthly reminders.  The notice will tell you that suspension of driving privileges will result unless the surcharge is paid within 30 days.  Failing to pay the surcharges on time may result in license suspension until all surcharges and any other costs are paid, or the driver initiates an installment program with the DPS and complies with it.

Please note that although the DPS sends monthly reminders of surcharges due, the driver is still responsible for timely payment even if he or she for some reason does not receive the notice.  You can check your record regularly by ordering a driving record report from the Department of Public Safety.  The report shows whether your license is currently valid, whether there are any revocations or suspensions, and any moving violations or accidents.  If you know what is on your driving record, you may be more motivated to avoid further citations or charges.

You can purchase a copy of your driving record by completing an application form and mailing it to the Department of Public Safety with the fee, or by using the online service:  www.txdps.state.tx.us

The Municipal Services Bureau is responsible for mailing surcharge notices and collecting all fees.  To pay a surcharge or establish a payment installment plan, contact the Municipal Services Bureau by telephone at 1-800-688-6882.

For additional questions about the surcharge program, you may contact the Department of Public Safety’s Customer Service department by telephone at (512) 424-2600 (English) or at (512) 424-7181 (Spanish).

Sullo & Sullo, LLP prides itself on being a client-focused law firm. With a reputation for exceptional personal attention, unmatched professionalism, zealous advocacy, and a commitment to the utilization of innovative and interactive technologies, our firm has been able to serve over 130,000 clients for more than a decade.  We wish you the best in your pursuits and encourage you to engage our firm for legal representation. For more information to visit our website www.sullolaw.com

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Question by somone s: Do suspensions go on your permanent record?
Ok so i am in 9th grade, freshman year highschool.In middle school i had two half day suspensions i didn’t get into much trouble its just that two times i had little stretches of detentions that led to half day in school suspensions.So i was wondering if those suspensions go on my permanent record since they were in middle school.Also do they hurt my chance to go to a good collage since i have a 4.0 gpa.Do the collages look at in school suspensions that i had in middle school?
Thanks

Best answer:

Answer by Halee E
It won’t affect your grade, it just will go on your permanant record and colleges will look at it and see if they want you. It WON’T HURT YOUR GPA.

What do you think? Answer below!
Nadal wins record 7 th French Open title
PARIS — Rafa Nadal won a record seventh French Open title on Monday but that … included temper tantrums, rain suspensions and the end of Novak Djokovic's …
Read more on BusinessWorld Online Edition

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Change Affects Business and Profits – A Look at Pardons Vs Record Suspensions

If a company designs its business around a particular product and creates logos, sales items, signs, ads, websites, etc around this product, will changing the name of the product affect the profit of the business?

Let’s look at a current event in Canada as an example. For the last 40 years, anyone who knew they would not pass a criminal record check could apply for a pardon, and based on certain criteria, the request was granted. Many businesses were built around this process, and for the sake of effective branding, they all have the word “pardon” or “pardons” in their business name. Over the last few months however, the government has been looking at changing the pardons process in Canada. The first of their changes will be to switch the term “pardon” to “record suspension.” Let’s look at how this will affect the many businesses that have built a company name around the word pardon.

There are a few changes that would have to be made immediately following the passing of the new laws concerning pardons:

Companies would have to change their business names.
All online and print ads would need to be changed.
Companies would have to print new flyers, business cards, posters etc.
They would have to change the name of their website(s).

These changes would each have an adverse affect on any business; there is room for certain changes to have a positive effect, but the reality is that the pardons businesses will lose profits. First of all, these companies will have to pay for each of the above mentioned four changes to their business. Changing a business name means ordering a new sign, when the old one could have lasted a few years.

Modifying any online or print ads would cost the least amount of money, as prices usually remain the same, and it only takes a phone call or an email to make the change. The third adjustment could cost quite a bit, depending on how much the company has already paid for their flyers and business cards. If for example, a company just paid a few thousand dollars for a flyer campaign, they would now have to pay that money all over again for re-printed flyers that replace pardons with record suspensions, as well as replace the old business name.

Changing a pardon website to a record suspension website would be relatively easy, but the company would still have to pay for the hours spent re-vamping the old website. The smart thing to do would be to buy a new URL with the correct term “record suspensions” and simply re-direct the URL to the old website. However, they would still need to re-write their web content, re-format buttons and headings, and basically change anything that still talks about pardons.

The new pardons law is in its second reading in parliament, and will most likely be passed in the next few months. Unfortunately, many companies will find the change to be a negative impact on their profit margin, but the good news is that it will only be a short term loss, and all of the competition will be suffering at the same time.

Nancy Collins is a freelance writer who specializes in the pardons process. She appreciates feedback on her articles, whether positive or negative.

Article Source:
http://EzineArticles.com/?expert=Nancy_P_Collins

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Question by B-ron: How long does a 24 hour suspension on a drivers license stay on record?
I want to know if my 24 hour suspension is on some record. thanks

Best answer:

Answer by Francisco Becruz
need more detail. well insurance companies keep that info on file for39 months.

Know better? Leave your own answer in the comments!
Hertha's Kobiashvili gets record seven-month ban
Hertha Berlin's Georgian defender Levan Kobiashvili was on Monday given a seven-and-a-half-month suspension for striking a referee, the longest suspension in the history of German football. The 34-year-old, who has made 336 Bundesliga appearances, …
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Low Boost ! 620hp. TestnTune Atco Raceway 9-26-09 Stock Motor “stock ports” stock Mazda Transmission Stock Suspension *Record*
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