<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Chance Gates&#039; Blog &#187; Law</title>
	<atom:link href="http://chancegates.com/tag/law/feed/" rel="self" type="application/rss+xml" />
	<link>http://chancegates.com</link>
	<description>Reno/Sparks Nevada Real Estate</description>
	<lastBuildDate>Wed, 23 May 2012 16:06:23 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.2</generator>
		<item>
		<title>No Mothers-In-Law Allowed: The 7 Craziest Local Laws and HOA Rules</title>
		<link>http://chancegates.com/2011/12/no-mothers-in-law-allowed-the-7-craziest-local-laws-and-hoa-rules/</link>
		<comments>http://chancegates.com/2011/12/no-mothers-in-law-allowed-the-7-craziest-local-laws-and-hoa-rules/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 22:02:35 +0000</pubDate>
		<dc:creator>Chance Gates</dc:creator>
				<category><![CDATA[humor]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[Mark]]></category>
		<category><![CDATA[MLS]]></category>
		<category><![CDATA[Nevada]]></category>
		<category><![CDATA[Northwest Nevada]]></category>
		<category><![CDATA[Owner-occupier]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Reno Nevada Real estate]]></category>
		<category><![CDATA[reno property management]]></category>
		<category><![CDATA[Reno/Sparks Real Estate]]></category>
		<category><![CDATA[Samuel L. Jackson]]></category>
		<category><![CDATA[Sparks nevada property management]]></category>
		<category><![CDATA[Sparks Nevada real estate]]></category>

		<guid isPermaLink="false">http://cgates.blogs.rwnetwork.com/?p=2645</guid>
		<description><![CDATA[Published: September 21, 2010 http://members.houselogic.com/landing/hoa-fees-122011/?nicmp=rcrim&#038;nichn=editorial&#038;niseg=narwr&#038;cid=WR12212011:37679&#038;ed_rid=1698691 Get up to speed with the most outrageous laws and homeowners association rules. Even celebrities such as Earvin &#8220;Magic&#8221; Johnson and Samuel L. Jackson can be at odds with an HOA. Here are seven crazy examples of laws and HOA rules: 1. Can&#8217;t park your car in your own driveway. [...]]]></description>
			<content:encoded><![CDATA[<p>Published: September 21, 2010</p>
<p>http://members.houselogic.com/landing/hoa-fees-122011/?nicmp=rcrim&#038;nichn=editorial&#038;niseg=narwr&#038;cid=WR12212011:37679&#038;ed_rid=1698691</p>
<p>Get up to speed with the most outrageous laws and homeowners association rules.</p>
<p>Even celebrities such as Earvin &#8220;Magic&#8221; Johnson and Samuel  L. Jackson can be at odds with an HOA. Here are seven crazy examples of  laws and HOA rules:</p>
<p><strong>1. Can&#8217;t park your car in your own driveway.</strong></p>
<p>In Odessa, Fla., a resident was fined by his board for parking his  pickup truck in his own driveway because it wouldn’t fit in his garage.  Not our problem, the HOA basically told him before slapping him with a  lawsuit. After a protracted legal battle, he has since won the right to park his car, but only after two years and $200,000 in legal fees.</p>
<p>2. Don’t plant too many roses.</p>
<p>While foreclosure is an increasingly real threat to homeowners, few  expect to lose their house based on gardening infractions. But that’s  exactly what happened to a Rancho Santa Fe, Calif., resident who planted  too many roses on his property. After $70,000 in fees, he lost his  legal battle against the HOA and ultimately lost his home to the flower  debacle.</p>
<p><strong>3. Indoor drying only.</strong></p>
<p>As seen in a Colbert Report expose, a Bend, Oregon, resident was  shocked by her HOA’s rejection of her outdoor clothesline. Her natural  drying method was dubbed a hazard, and they began levying fines that  totaled nearly $1,000. She eventually took down the offending line, even  after the Right 2 Dry movement got behind her.</p>
<p><strong>4. No mothers-in-laws allowed</strong>.</p>
<p>If you’re a married man in Iowa, the government grants you a special  privilege: you’re allowed to bar your mother-in-law from your home.  While certainly useful to men trying to ditch their spouse’s mom, this  law does not extend to women.</p>
<p><strong>5. Only use sanctioned paint.</strong></p>
<p>What appears to be an inoffensive pale blue house has caused a stir  recently in one Georgia neighborhood. Unaware of his HOA’s rules, a  homeowner painted his house before having the color officially approved  by his board. And with a $25 per day fee levied every day his house  bares the offending hue, he’s already racked up $6,800 in fines on top  of legal fees.</p>
<p><strong>6. No service dog for the hearing impaired</strong>.</p>
<p>A Fort Collins, Colo., HOA fined a hearing-impaired resident for  keeping Pookee, her Pomeranian service dog. The HOA even threatened to put a lien  on the property. All this despite the fact that Fair Housing Act  requires condo and home owner associations to make reasonable  accommodations in their procedures and rules to allow a person with  disability to reside in a unit. This includes allowing service animals.</p>
<p>Have an issue related to service animal? Contact your local HUD office or local or state human rights agency.</p>
<p><strong>7. Don&#8217;t use &#8216;inconsistent&#8217; shingles.</strong></p>
<p>As if it wasn’t tragedy enough when a plane fell out of the sky  destroying a Sanford, Fla., man’s home, his HOA then challenged his  rebuilding efforts. It threatened litigation because the shingles and  elevation in his new house’s plans didn’t match his neighbors’.</p>
<p><strong>Bending the rules</strong></p>
<p>If you fight the law, you may lose. But there are ways to work with  the restrictions of a HOA and still get your way. The first line of  defense is to make sure you understand the HOA or condo association  rules before you purchase the property.</p>
<p>If, after you move in, you’d like your home’s appearance to differ  from that of your neighbors, you’ll need to submit a “variance” form of  request. This request can be accepted or rejected at the board’s will,  so it&#8217;s good to alert them early in your planning process. One tip to  gain HOA support? Understand the challenges and perspective of HOAs, follow the rules to a tee,  and offer to help them gain community support for their initiatives.  Maybe even run for office. If you can’t beat ‘em, you might as well join  ‘em.</p>
<p><em>What’s the strangest local government or HOA rule you’ve ever heard of?</em></p>
<p>Mark your favorite properties and get                    instant updates price changes,  new  pictures and status changes.</p>
<p><a href="http://www.greatrealestate.com/SearchRealestate.aspx?ID=34537A67C5744F058E041E1F391" target="_blank"><img title="Search Real Estate" src="http://www.greatrealestate.com/SearchRealEstate/EasyHomeSearch_LG.jpg" border="0" alt="Search Real Estate" width="454" height="118" /></a></p>
<p><a href="http://www.greatrealestate.com/SearchRealestate.aspx?ID=34537A67C5744F058E041E1F391&amp;LC=Foreclosure" target="_blank"><img title="Search Real Estate" src="http://www.greatrealestate.com/SearchRealEstate/BankOwnedProperties_LG.jpg" border="0" alt="Search Real Estate" /></a></p>
<p><strong>As  a Reno/Sparks Nevada real estate professional and             property manager, I encourage all                                                                                  questions                         and                comments    on      the                    Reno/Sparks                  real                  estate         market            or                          any     of      the                                 articles               posted       in                 this    blog.                  Please            feel              free           to              use    my           back         door      to                                the      MLS       and                    search      the              houses                     available              in          the                         Reno/Sparks          and                most                               Northwest                   Nevada                          neighborhoods.       I                       can    be             reached        by        email         @              <a href="mailto:chance@ballard-company.com" target="_blank">chance@ballard-company.com</a><a title="http://www.myspace.com/chancegates" href="http://www.myspace.com/chancegates" target="_blank"> http://www.myspace.com/chancegates </a>.  You can also follow me at <a title="http://www.twitter.com/chancegates" href="http://www.twitter.com/chancegates" target="_blank">http://www.twitter.com/chancegates</a> . <a title="Permanent Link to 5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures" rel="bookmark" href="http://chancegates.com/2010/10/5-steps-for-renosparks-homeowners-to-prevent-foreclosures/"> </a> To checkout some of  my property manager services goto </strong>http://chancegates.com/property-management-services/</p>
<p><strong> <strong>If you are behind on your house payment and looking for a loan modification</strong>, go to <a href="http://www.makinghomeaffordable.gov/">making homes affordable</a></strong></p>
<p><strong> </strong>If the modification fails, contact                                                                                your                              local      real        estate                 professional         to                help             short              sale             your                                     home.   To      make                           sure          there        is       no                     deficiency                       judgment a                           homeowner                    might    find             it                                    necessary          to     hire           an                  attorney.</p>
<div class="zemanta-pixie" style="margin-top: 10px;height: 15px"><a class="zemanta-pixie-a" title="Enhanced by Zemanta" href="http://www.zemanta.com/"><img class="zemanta-pixie-img" style="border: medium none;float: right" src="http://img.zemanta.com/zemified_e.png?x-id=9e8650de-bbe1-4417-8497-a4ae0ece3976" alt="Enhanced by Zemanta" /></a></div>
]]></content:encoded>
			<wfw:commentRss>http://chancegates.com/2011/12/no-mothers-in-law-allowed-the-7-craziest-local-laws-and-hoa-rules/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ways To Keep Good Tenants Longer</title>
		<link>http://chancegates.com/2011/10/ways-to-keep-good-tenants-longer/</link>
		<comments>http://chancegates.com/2011/10/ways-to-keep-good-tenants-longer/#comments</comments>
		<pubDate>Thu, 13 Oct 2011 23:03:42 +0000</pubDate>
		<dc:creator>Chance Gates</dc:creator>
				<category><![CDATA[property management]]></category>
		<category><![CDATA[Eviction]]></category>
		<category><![CDATA[Landlord]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[Lease]]></category>
		<category><![CDATA[Leasehold estate]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Reno]]></category>
		<category><![CDATA[Renting]]></category>
		<category><![CDATA[Sparks]]></category>
		<category><![CDATA[tenants]]></category>

		<guid isPermaLink="false">http://cgates.blogs.rwnetwork.com/?p=2412</guid>
		<description><![CDATA[Property management is hard,  finding good tenants is even harder.  So once you find one, here is a couple of ways to keep him.  Long term leases up  that include longevity-based discounts and bonuses on rent can help keep good tenets staying long term and inspire better behavior. After 12 months is a good time [...]]]></description>
			<content:encoded><![CDATA[<p>Property management is hard,  finding good tenants is even harder.  So once you find one, here is a couple of ways to keep him.  Long term leases up  that include longevity-based discounts and  bonuses on rent can help keep good tenets staying long term and  inspire better behavior.</p>
<p>After 12 months is a good time to give residents a small discount on their 13th or 14th month of rent if the resident lives  violation-free and have no late payments.</p>
<p>After 24 consecutive months with no rental agreement violations and no  late payments.  Give residents  a slightly larger discount on their 25th month  of rent or for the month of December if it is close.  This is also a good time to get them to re-sign into another long term lease.</p>
<div class="zemanta-pixie" style="margin-top: 10px;height: 15px"><a class="zemanta-pixie-a" title="Enhanced by Zemanta" href="http://www.zemanta.com/"><img class="zemanta-pixie-img" style="border: medium none;float: right" src="http://img.zemanta.com/zemified_e.png?x-id=2d706810-d16c-4075-98bd-a69ab8fc8cbd" alt="Enhanced by Zemanta" /></a></div>
]]></content:encoded>
			<wfw:commentRss>http://chancegates.com/2011/10/ways-to-keep-good-tenants-longer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wednesday Quotes: John Bates Clark 1847-1938</title>
		<link>http://chancegates.com/2011/08/wednesday-quotes-john-bates-clark-1847-1938/</link>
		<comments>http://chancegates.com/2011/08/wednesday-quotes-john-bates-clark-1847-1938/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 16:39:55 +0000</pubDate>
		<dc:creator>Chance Gates</dc:creator>
				<category><![CDATA[Quotes]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[Economic]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[John Bates Clark]]></category>
		<category><![CDATA[Ken Bates]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[Leeds United A.F.C.]]></category>
		<category><![CDATA[List of Bates College people]]></category>
		<category><![CDATA[Maine]]></category>
		<category><![CDATA[Major League Soccer]]></category>
		<category><![CDATA[New York City]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Reno Nevada Real estate]]></category>
		<category><![CDATA[Reno/Sparks Nevada Real Estate]]></category>
		<category><![CDATA[Sparks]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://cgates.blogs.rwnetwork.com/?p=2252</guid>
		<description><![CDATA[Socialism appeals to better classes and has far more strength. Attack the state and you excite feelings of loyalty even among the disaffected classes; but attack the industrial system and appeal to the state, and you may have loyalty in your favor. John Bates Clark The decree of a coercive tribunal would not need to [...]]]></description>
			<content:encoded><![CDATA[<p>Socialism appeals to better classes and has far more  strength. Attack the state and you excite feelings of loyalty even among  the disaffected classes; but attack the industrial system and appeal to  the state, and you may have loyalty in your favor.<br />
<a href="http://www.brainyquote.com/quotes/quotes/j/johnbatesc227189.html">John Bates Clark</a></p>
<p>The decree of a coercive tribunal would not need to  conform to the true standard of wages, the final productivity of social  labor. It would introduce into distribution a genuinely arbitrary  element, with a very large ultimate power to pervert the natural system.<br />
<a href="http://www.brainyquote.com/quotes/quotes/j/johnbatesc227176.html">John Bates Clark</a></p>
<p>The limit is not as narrow as it might be. I do not  claim for this action, as it now goes on, an ideal degree of efficiency.  What I do claim is that this type of competition already reveals its  nature and its ultimate power to hold seeming monopolies in check.<br />
<a href="http://www.brainyquote.com/quotes/quotes/j/johnbatesc227178.html">John Bates Clark</a></p>
<p>The market tends to pay as a wage what an individual  laborer is worth. But the case last studied suggests the question how  accurately the law operates in practice. May it not be an honest law,  but be so vitiated in its working as to give a dishonest result?<br />
<a href="http://www.brainyquote.com/quotes/quotes/j/johnbatesc227180.html">John Bates Clark</a></p>
<p>We cannot afford to have any large section of the  business world in doubt whether they have broken the laws or not, and we  cannot let the laws become a dead letter through vagueness. In this  view it is clear that an administrative commission can render invaluable  service.<br />
<a href="http://www.brainyquote.com/quotes/quotes/j/johnbatesc227191.html">John Bates Clark</a></p>
<p>When we say that the persistence of competition is  ensured by fate, we mean that individual freedom is so guaranteed. The  one thing to which fate binds us is liberty.<br />
<a href="http://www.brainyquote.com/quotes/quotes/j/johnbatesc227187.html">John Bates Clark</a></p>
<p>Mark your favorite properties and get                    instant updates price changes,  new  pictures and status changes.</p>
<p><a href="http://www.greatrealestate.com/SearchRealestate.aspx?ID=34537A67C5744F058E041E1F391" target="_blank"><img title="Search Real Estate" src="http://www.greatrealestate.com/SearchRealEstate/EasyHomeSearch_LG.jpg" border="0" alt="Search Real Estate" width="454" height="118" /></a></p>
<p><a href="http://www.greatrealestate.com/SearchRealestate.aspx?ID=34537A67C5744F058E041E1F391&amp;LC=Foreclosure" target="_blank"><img title="Search Real Estate" src="http://www.greatrealestate.com/SearchRealEstate/BankOwnedProperties_LG.jpg" border="0" alt="Search Real Estate" /></a></p>
<p><strong>As a Reno/Sparks real estate professional, I encourage all                                                 questions         and    comments    on     the             Reno/Sparks      real        estate        market       or              any  of   the                   articles      posted     in         this   blog.         Please    feel          free     to         use   my      back   door    to                   the   MLS    and           search  the       houses            available     in        the             Reno/Sparks     and        most                Northwest           Nevada            neighborhoods.    I             can    be     reached     by   email     @       <a href="mailto:chance@ballard-company.com" target="_blank">chance@ballard-company.com</a><a title="http://www.myspace.com/chancegates" href="http://www.myspace.com/chancegates" target="_blank">http://www.myspace.com/chancegates </a>.  You can also follow me at <a title="http://www.twitter.com/chancegates" href="http://www.twitter.com/chancegates" target="_blank">http://www.twitter.com/chancegates</a> .  <strong>If you are behind on your house payment and looking for a loan modification</strong>, go to <a href="http://www.makinghomeaffordable.gov/">making homes affordable</a><a title="Permanent Link to 5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures" rel="bookmark" href="http://chancegates.com/2010/10/5-steps-for-renosparks-homeowners-to-prevent-foreclosures/"> </a>For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page <a href="http://chancegates.com/about" target="_blank">http://chancegates.com/about</a> and ask for more information on preventing foreclosures.</strong> or   to request a modification.  If the modification fails, contact                                                 your         local real   estate              professional    to      help       short      sale         your                      home.  To  make                sure    there    is     no           deficiency            judgment a           homeowner              might  find       it                   necessary      to  hire      an         attorney.</p>
<div class="zemanta-pixie" style="margin-top: 10px;height: 15px"><a class="zemanta-pixie-a" title="Enhanced by Zemanta" href="http://www.zemanta.com/"><img class="zemanta-pixie-img" style="border: medium none;float: right" src="http://img.zemanta.com/zemified_e.png?x-id=b652e369-41c1-4914-8b21-dac5ce2c493b" alt="Enhanced by Zemanta" /></a></div>
]]></content:encoded>
			<wfw:commentRss>http://chancegates.com/2011/08/wednesday-quotes-john-bates-clark-1847-1938/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wednesday Quotes James Madison 1751-1836</title>
		<link>http://chancegates.com/2010/09/wednesday-quotes-james-madison-1751-1836/</link>
		<comments>http://chancegates.com/2010/09/wednesday-quotes-james-madison-1751-1836/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 16:14:46 +0000</pubDate>
		<dc:creator>Chance Gates</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[General Info]]></category>
		<category><![CDATA[Quotes]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[Natural and legal rights]]></category>
		<category><![CDATA[Nevada]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Reno]]></category>
		<category><![CDATA[Reno  Nevada]]></category>
		<category><![CDATA[Reno Nevada Real estate]]></category>
		<category><![CDATA[reno nevada real estate blog]]></category>
		<category><![CDATA[reno real estate]]></category>
		<category><![CDATA[Reno/Sparks Nevada Real Estate]]></category>
		<category><![CDATA[reno/sparks nevada real estate blog]]></category>
		<category><![CDATA[Reno/Sparks Real Estate]]></category>
		<category><![CDATA[Sparks]]></category>
		<category><![CDATA[Sparks Nevada]]></category>
		<category><![CDATA[Sparks Nevada real estate]]></category>
		<category><![CDATA[sparks nevada real estate blogs]]></category>
		<category><![CDATA[sparks real estate]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://cgates.blogs.rwnetwork.com/?p=1262</guid>
		<description><![CDATA[Image via Wikipedia If men were angels, no government would be necessary. It will be of little avail to the people that the laws are made by men of their own choice if the laws be so voluminous that they cannot be read, or so incoherent that they cannot be understood. Liberty may be endangered [...]]]></description>
			<content:encoded><![CDATA[<div class="zemanta-img zemanta-action-dragged" style="margin: 1em">
<div>
<dl>
<dt><a href="http://commons.wikipedia.org/wiki/File:James_Madison.jpg"><img title="March 4: James Madison begins the first of two..." src="http://upload.wikimedia.org/wikipedia/commons/thumb/1/1d/James_Madison.jpg/300px-James_Madison.jpg" alt="March 4: James Madison begins the first of two..." width="300" height="365" /></a></dt>
<dd>Image via <a href="http://commons.wikipedia.org/wiki/File:James_Madison.jpg">Wikipedia</a></dd>
</dl>
</div>
</div>
<p>If men were angels, no government would be necessary.</p>
<p>It will be of little avail to the people that the  laws are made by men of their own choice if the laws be so voluminous  that they cannot be read, or so incoherent that they cannot be  understood.</p>
<p>Liberty may be endangered by the abuse of liberty, but also by the abuse of power.</p>
<p>The personal right to acquire property, which is a  natural right, gives to property, when acquired, a right to protection,  as a social right.</p>
<p>Wherever there is interest and power to do wrong, wrong will generally be done.</p>
<p>All men having power ought to be distrusted to a certain degree.</p>
<p>As a Reno/Sparks real estate professional, I encourage all questions and                   comments on the Reno/Sparks real estate market or any   of     the          articles    posted in this blog.  Please feel free   to  use  my back door to the MLS and search the houses available in the    Reno/Sparks  and all Northwest Nevada neighborhoods.  I can be  reached   by email @  <a title="mailto:chance@ballard-company.com" href="mailto:chance@ballard-company.com">chance at ballard-company.com</a> or <a title="http://www.myspace.com/chancegates" href="http://www.myspace.com/chancegates" target="_blank">http://www.myspace.com/chancegates </a></p>
<div class="zemanta-pixie" style="margin-top: 10px;height: 15px"><a class="zemanta-pixie-a" title="Enhanced by Zemanta" href="http://www.zemanta.com/"><img class="zemanta-pixie-img" style="border: medium none;float: right" src="http://img.zemanta.com/zemified_e.png?x-id=cd0186b0-1166-4fa9-8520-c3ff9f2e3732" alt="Enhanced by Zemanta" /></a><span class="zem-script more-related pretty-attribution"></span></div>
]]></content:encoded>
			<wfw:commentRss>http://chancegates.com/2010/09/wednesday-quotes-james-madison-1751-1836/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homeowners’ Right To Mediation Requirement Before Foreclosure</title>
		<link>http://chancegates.com/2009/06/homeowners%e2%80%99-right-to-mediation-requirement-before-foreclosure/</link>
		<comments>http://chancegates.com/2009/06/homeowners%e2%80%99-right-to-mediation-requirement-before-foreclosure/#comments</comments>
		<pubDate>Fri, 12 Jun 2009 17:38:44 +0000</pubDate>
		<dc:creator>Chance Gates</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[General Info]]></category>
		<category><![CDATA[Market Update]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[Dispute resolution]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[Lawyer]]></category>
		<category><![CDATA[Owner-occupier]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Reno Nevada Real estate]]></category>
		<category><![CDATA[Reno/Sparks Nevada Real Estate]]></category>
		<category><![CDATA[Service Providers]]></category>
		<category><![CDATA[Services]]></category>
		<category><![CDATA[Sparks Nevada real estate]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://chancegates.com/2009/06/12/homeowners%e2%80%99-right-to-mediation-requirement-before-foreclosure/</guid>
		<description><![CDATA[Image via Wikipedia On 7-1-09 a homeowner, owner-occupied residents, will be allowed to request for mediation in attempts to keeps his house and negotiate a loan modification. Here the site for more information http://www.leg.state.nv.us/75th2009/Bills/AB/AB149.pdf The 3 steps for a homeowner to keep his house: 1.) Talk to the bank and try to refinance. 2.) Contact [...]]]></description>
			<content:encoded><![CDATA[<div class="zemanta-img zemanta-action-dragged" style="margin: 1em">
<div>
<dl>
<dt><a href="http://commons.wikipedia.org/wiki/Image:Abraham_Lincoln_head_on_shoulders_photo_portrait.jpg"><img title="Abraham Lincoln, the sixteenth President of th..." src="http://upload.wikimedia.org/wikipedia/commons/thumb/4/44/Abraham_Lincoln_head_on_shoulders_photo_portrait.jpg/300px-Abraham_Lincoln_head_on_shoulders_photo_portrait.jpg" alt="Abraham Lincoln, the sixteenth President of th..." width="300" height="394" /></a></dt>
<dd>Image via <a href="http://commons.wikipedia.org/wiki/Image:Abraham_Lincoln_head_on_shoulders_photo_portrait.jpg">Wikipedia</a></dd>
</dl>
</div>
</div>
<p>On 7-1-09 a homeowner, owner-occupied residents, will be allowed to request for mediation in attempts to keeps his house and negotiate a loan modification.<br />
Here the site for more information http://www.leg.state.nv.us/75th2009/Bills/AB/AB149.pdf</p>
<p>The 3 steps for a homeowner to keep his house:<br />
1.)	Talk to the bank and try to refinance.<br />
2.)	Contact a senator and ask for his help getting a loan modification.<br />
3.)	 Request Mediation</p>
<p>Understand I’m not a lawyer and will not give legal advice, however if I can be of assistance with Reno/Sparks Nevada Real Estate part  please let me know.</p>
<p>As a Reno/Sparks real estate professional I encourage all questions and  comment on the Reno/Sparks real estate market or any article posted.  I  can be reached by email at chance@ballard-company.com or  http://www.myspace.com/chancegates</p>
<div class="zemanta-pixie" style="margin-top: 10px;height: 15px"><a class="zemanta-pixie-a" title="Reblog this post [with Zemanta]" href="http://reblog.zemanta.com/zemified/9130aafb-c5c8-4e22-b092-ffea8de8231d/"><img class="zemanta-pixie-img" style="border: medium none;float: right" src="http://img.zemanta.com/reblog_e.png?x-id=9130aafb-c5c8-4e22-b092-ffea8de8231d" alt="Reblog this post [with Zemanta]" /></a></div>
]]></content:encoded>
			<wfw:commentRss>http://chancegates.com/2009/06/homeowners%e2%80%99-right-to-mediation-requirement-before-foreclosure/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What People Do To Disqualify Their Loan Application After Being Pre-Approved.</title>
		<link>http://chancegates.com/2009/01/what-people-do-to-disqualify-their-loan-application-after-being-pre-approved/</link>
		<comments>http://chancegates.com/2009/01/what-people-do-to-disqualify-their-loan-application-after-being-pre-approved/#comments</comments>
		<pubDate>Mon, 19 Jan 2009 19:48:27 +0000</pubDate>
		<dc:creator>Chance Gates</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[General Info]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Buying]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[Lawyers and Law Firms]]></category>
		<category><![CDATA[Property Law and Real Estate]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Reno Nevada Real estate]]></category>
		<category><![CDATA[Reno/Sparks Nevada Real Estate]]></category>
		<category><![CDATA[Services]]></category>
		<category><![CDATA[Sparks]]></category>
		<category><![CDATA[Sparks Nevada real estate]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://cgates.blogs.rwnetwork.com/2009/01/19/what-people-do-to-disqualify-their-loan-application-after-being-pre-approved/</guid>
		<description><![CDATA[The first thing most people do to make them not qualify for a loan to buy Reno/Sparks real estate is add on additional credit such as: 1.) Buying a car 2.) Getting additional credit cards 3.) Co-signing for a family member The second thing is to change jobs while in the loan process to buy [...]]]></description>
			<content:encoded><![CDATA[<div style="margin: 0in 0in 0pt">The first thing most people do to make them not qualify for a loan to buy Reno/Sparks real estate is add on additional credit such as:</div>
<div style="margin: 0in 0in 0pt 90.75pt"><span><span>1.)</span><span style="font: 7pt 'Times New Roman'"> </span></span><span>Buying a car</span></div>
<div style="margin: 0in 0in 0pt 90.75pt"><span><span>2.)</span><span style="font: 7pt 'Times New Roman'"> </span></span><span>Getting additional credit cards</span></div>
<div style="margin: 0in 0in 0pt 90.75pt"><span><span>3.)</span><span style="font: 7pt 'Times New Roman'"> </span></span><span>Co-signing for a family member</span></div>
<div style="margin: 0in 0in 0pt"></div>
<div style="margin: 0in 0in 0pt"><span>The second thing is to change jobs while in the loan process </span>to buy Reno/Sparks real estate<span>. </span></div>
<div style="margin: 0in 0in 0pt"></div>
<div style="margin: 0in 0in 0pt"><span> The third is missing payments or paying bills late while in the process of buying Reno/Sparks real estate.</span></div>
<div style="margin: 0in 0in 0pt"></div>
<p>Being a Reno/Sparks real estate consultant I always appreciate any question or comments on the Reno/Sparks real estate or any of the articles I post.</p>
<p>Send all questions to <a href="mailto:chance@ballard-company.com">chance@ballard-company.com</a></p>
<div style="margin: 0in 0in 0pt"></div>
<h6 class="zemanta-related-title" style="font-size: 1em">Related articles by Zemanta</h6>
<ul class="zemanta-article-ul">
<li class="zemanta-article-ul-li"><a href="http://r.zemanta.com/?u=http%3A//money.cnn.com/rssclick/2010/03/10/pf/saving/credit_for_young_folks/index.htm&amp;a=14494711&amp;rid=80ccd904-97c1-4104-8517-ca6907fd854b&amp;e=29dbe41499b623606a530f241ef4f00c">Younger people have trouble getting credit</a> (money.cnn.com)</li>
</ul>
<div class="zemanta-pixie" style="margin-top: 10px;height: 15px"><a class="zemanta-pixie-a" title="Reblog this post [with Zemanta]" href="http://reblog.zemanta.com/zemified/80ccd904-97c1-4104-8517-ca6907fd854b/"><img class="zemanta-pixie-img" style="border: medium none;float: right" src="http://img.zemanta.com/reblog_e.png?x-id=80ccd904-97c1-4104-8517-ca6907fd854b" alt="Reblog this post [with Zemanta]" /></a><span class="zem-script more-related pretty-attribution"></span></div>
]]></content:encoded>
			<wfw:commentRss>http://chancegates.com/2009/01/what-people-do-to-disqualify-their-loan-application-after-being-pre-approved/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
	</channel>
</rss>

