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Dictionary Definition Probate 1.       (a) :  the action or process of proving before a competent judicial authority that a document offered for official recognition and registration as the last will and testament of a deceased person is genuine (b) :  the judicial determination of the validity of a will 2.      :  the officially authenticated copy […]

In response to the sub-prime mortgage crisis of the latter part of the last decade, the United States government instituted several programs to help homeowners and tightened regulatory controls on the mortgage industry. One the programs created was the Home Affordable Modification Program,1 often referred to as “HAMP.” The program encourages lenders to lower homeowners’ […]

The Obama Administration circulated a memorandum on Nov. 1, 2015 that directed designated federal agencies to modify existing policies to incorporate a “net benefit goal” to reduce the impact of utilizing natural resources. The revised approach was to be adopted by the EPA; Secretaries of Interior, Agriculture, and Defense; and the National Oceanic and Atmospheric […]

The U.S. Supreme Court stepped in earlier this year after the Environmental Protection Agency (EPA) established national caps on the release of mercury and other toxic emissions from power plants. In establishing the Mercury and Air Toxics Standards (MATS), the agency weighed the health benefits of the new standards and concluded that the rule would […]

Homeowners often face financial hardships that threaten their ability to make their mortgage payments on time. Because the family home constitutes the most significant asset for many households, the prospect of foreclosure can be an alarming possibility. Fortunately, a range of options including loan modification programs provide viable options that have enabled many people to […]