Q-Law Blog

Distressed Housing: This Too Shall Pass

[Caveats: 1. The following information is solely based upon Oregon law.  Residents from other states should not assume their laws will result in the same

HARP 2.0 – Old Wine In New Bottles

In my earlier post I was critical of the Obama Administration’s second run at jumpstarting the woefully inadequate Home Affordable Refinance Program or “HARP.”  As

Distressed Homeowners’ Bill of Rights

Having counseled approximately two hundred Oregon homeowners drowning in negative equity, I have discovered that many, if not most, believe that somehow their lenders can

In Defense of Borrower Default

In common parlance today, a “default” denotes either nonperformance – or inadequate performance – that falls short of a written rule, guideline, or criterion.  It