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	<title>Bayliving Foreclosure Defense, Short-Sale and Loan Mod Forum. You are not alone, information and help is available.</title>
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	<link>http://www.bayliving.com/foreclosurehelp</link>
	<description>A Source for those facing financial hardship and needing accurate information</description>
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		<title>Why Can&#8217;t I Get My Short-Sale Closed?</title>
		<link>http://www.bayliving.com/foreclosurehelp/?p=104</link>
		<comments>http://www.bayliving.com/foreclosurehelp/?p=104#comments</comments>
		<pubDate>Sun, 17 May 2009 11:44:39 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[Why can’t I get a short sale closed? Ask your Senator. Bankruptcy to follow By David Leibowitz, Illinois and Wisconsin Bankruptcy Attorney on May 16, 2009 in Uncategorized You are way underwater.  You can’t modify your mortgage in chapter 13.  The Senate made sure of that when it voted down mortgage modifications in chapter 13. [...]]]></description>
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		<title>Are Courts in California Truly Limited by Non-Judicial Foreclosure Statutes?</title>
		<link>http://www.bayliving.com/foreclosurehelp/?p=94</link>
		<comments>http://www.bayliving.com/foreclosurehelp/?p=94#comments</comments>
		<pubDate>Wed, 06 May 2009 12:09:00 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[By Michael Doan on May 2, 2009 in Foreclosure Defense, Foreclosure News Recently, many California Courts have been dismissing lawsuits filed to stop non-judicial foreclosures, ruling that the non-judicial foreclosure statutes occupy the field and are exclusive as long as they are complied with.  Thus, in the case where a notice of default is recorded [...]]]></description>
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		<title>Guess What Got Lost in the Loan Pool?</title>
		<link>http://www.bayliving.com/foreclosurehelp/?p=92</link>
		<comments>http://www.bayliving.com/foreclosurehelp/?p=92#comments</comments>
		<pubDate>Thu, 30 Apr 2009 16:04:58 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[By GRETCHEN MORGENSON Published: February 28, 2009 WE are all learning, to our deep distress, how the perpetual pursuit of profits drove so many of the bad decisions that financial institutions made during the mortgage mania. But while investors tally the losses that were generated by loose lending so far, the impact of another lax [...]]]></description>
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		<title>General or New Categories</title>
		<link>http://www.bayliving.com/foreclosurehelp/?p=79</link>
		<comments>http://www.bayliving.com/foreclosurehelp/?p=79#comments</comments>
		<pubDate>Mon, 27 Apr 2009 20:52:17 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[If you have other questions or wish to suggest a new category, just let me know and I&#8217;ll post one. Thanks, Charles]]></description>
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		<title>California Loan Modification Q &amp; A</title>
		<link>http://www.bayliving.com/foreclosurehelp/?p=77</link>
		<comments>http://www.bayliving.com/foreclosurehelp/?p=77#comments</comments>
		<pubDate>Mon, 27 Apr 2009 20:50:42 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
				<category><![CDATA[Loan Modifications]]></category>

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		<description><![CDATA[Brief loan modification Q&#38;A is located here: Loan Modification Q&#38;A Watch out for &#8220;servicer&#8221; actually having legal &#8220;standing&#8221; to do a modification! See www.BayLiving.com/california-loan-modification for more information]]></description>
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		<title>Short Sale Q &amp; A</title>
		<link>http://www.bayliving.com/foreclosurehelp/?p=75</link>
		<comments>http://www.bayliving.com/foreclosurehelp/?p=75#comments</comments>
		<pubDate>Mon, 27 Apr 2009 20:47:29 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
				<category><![CDATA[Short-Sales]]></category>

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		<description><![CDATA[Here is a brief Q&#38;A for short sales: California Short Sales Or see: www.BayLiving.com/california-short-sale]]></description>
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		<title>California v. Countrywide Stipulated Judgment and Injunction</title>
		<link>http://www.bayliving.com/foreclosurehelp/?p=70</link>
		<comments>http://www.bayliving.com/foreclosurehelp/?p=70#comments</comments>
		<pubDate>Mon, 27 Apr 2009 20:42:05 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
				<category><![CDATA[Case-Law]]></category>
		<category><![CDATA[Countrywide]]></category>

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		<description><![CDATA[Here is the judgment and injunction: Countrywide Judgment]]></description>
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		<title>California v. Countrywide Complaint</title>
		<link>http://www.bayliving.com/foreclosurehelp/?p=66</link>
		<comments>http://www.bayliving.com/foreclosurehelp/?p=66#comments</comments>
		<pubDate>Mon, 27 Apr 2009 20:34:46 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
				<category><![CDATA[Case-Law]]></category>
		<category><![CDATA[Countrywide]]></category>
		<category><![CDATA[Lender Specific Issues]]></category>

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		<description><![CDATA[Copy of the complaint against Countrywide is here: California v. Countrywide Complaint.pdf]]></description>
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		<title>How One Borrower Beat the Foreclosure Machine</title>
		<link>http://www.bayliving.com/foreclosurehelp/?p=53</link>
		<comments>http://www.bayliving.com/foreclosurehelp/?p=53#comments</comments>
		<pubDate>Mon, 27 Apr 2009 20:11:58 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
				<category><![CDATA[Experiences]]></category>
		<category><![CDATA[Foreclosure and Defenses]]></category>

		<guid isPermaLink="false">http://www.bayliving.com/foreclosurehelp/?p=53</guid>
		<description><![CDATA[Jessica McGowan for The New York Times Mamie Ruth Palmer won a fight against the Bank of New York, which tried to foreclose before it owned the note on her house. By GRETCHEN MORGENSON Published: July 27, 2008 MAMIE RUTH PALMER isn’t a celebrity. People magazine doesn’t chronicle her every move. The paparazzi don’t wait [...]]]></description>
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