#about; christian silvestre.

[ghcstlyhearts]

CHARACTER BASICS

Full Name: Christian Silvestre

Nickname: Kit, Chrissy (Only by Kai)

Age: 31

Gender: Cis Man

Pronouns: He & Him

Ethnicity: Spanish & N/A

Nationality: Spanish

Education: Private tutors, not that he paid much attention.

Occupation: Lifeguard & Co-owner of Skulls & Barbells

Hometown: The Ocean

Current location: Ashborne City ( however he juggles his time here, or aboard the Estrella )

Species: Hybrid (Human/Siren)

Written Aesthetics: messy sheets and an unmade bed, hand-knitted sweaters, taking a punch with a grin & finger guns accompanied by a wink.

trigger warnings:

CHARACTER APPEARANCE 

Face Claim: Casey Deidrick

Height: 6'5"

Hair Colour: Dark brown

Eye Colour: Hazel

Dominant Hand: Ambidextrous

Distinguishing Features: A scar across his left brow from walking into part of the ship - constantly giving him a slit in his brow, a charming smile, several tattoos, an ear peircing in his right ear accompanied by an ear cuff.

SUPERNATURAL EXTRAS 

Abilities: enchanced swimmer & nagivator, bioluminescence, marine telepathy & empathy. // weaknesses: emotional vulnerability, magical boundaries & emotional ties to the ocean.

Have you always been aware of your abilities?: No, I was unaware of them at first, our father hiding them from us. It wasn't until I realised that mentally talking to fish was unusual, that I realised I wasn't entirely human.

Favorite Magical Items:  An enchanted compass, spelled by a witch with a locator spell that it would always point in the direction of where his sister was, so that he can always find his way back to her after being separated for so long.

What supernatural creature is your character most scared of?: He's not really scared of any of them, honestly. Mostly curious, and maybe a slight bit wary.

Who or what would they die for? His twin, his crew, what he believes is right.

Does your character fight or flee? He's more of a plotter. He lurks in the background, planning the best form of attack and then fights, and due to his usual nature, he's often underestimated.

PERSONALITY

Positive Traits: Whimsical, Charming & Enthusiastic.

Negative Traits: Absent-Minded, Fickle & Resentful.

Neutral Traits: Active, Cunning & Adaptive.

Goals/desires: To protect his sister and their crew, uncover more about his heritage & overall, be happy and content.

Fears: His father returning, loosing Kai again, never finding his true love, not being taken seriously.

Hobbies: Knitting, karaoke (though he's terrible at it), teaching yoga to kids, swimming, dancing & working out.

Habits: Fiddling with things when he's nervous, raising his eyebrows, shooting finger guns at people, flirting with people he probably shouldn't.

CHARACTER DEVELOPMENT Q’S

QUESTION ONE: were you born on the island, if so, what kind of curiosities do you have about the world beyond? if you weren’t, what do you miss about the world outside veritas isles?  "No, but apparently my mother might have been. However, as much as I've tried to dig into her, I can't seem to find anything. If she was here, it's like she was erased completely."

QUESTION TWO: what is your favorite part about the island?  "Learning about all the other creatures, and meeting so many new people. As much as I love my crew, I'm intrigued by everyone I meet."

QUESTION THREE: if your character is supernatural, do they fear humans? if human, do they fear the supernatural?  "I don't really fear them, as such, but I am wary of them. Though I've had a few... encounters of a certain kind with a fair few and they've not done me harm so far."

QUESTION FOUR: share a fun headcanon or fact about your character! this doesn’t have to be long, just something to introduce us to your character!  He was once given a choice to run away from the life of a pirate, from the horrible reign of his father by his first love. However, he realised that in doing so, he would be abandoning his sister, and that he would be homesick for the ocean. So, he left them, as much as it broke his heart to do so. He hasn't seen them since.

ADDITIONAL INFORMATION 

BIO | PLAYLIST | PINTEREST

WANTED CONNECTIONS

His first love - they were probably late teens/young adults, and it was shortly before he overthrew his father. They were on land for a bit, and he fell for them, but when they asked him to run away with them, he ultimately declined, not wanting to abandon his twin. He hasn't seen them since.

His crew - BRING US PIRATES PLS

Best Friend (Pirate Edition) - possibly his right hand person, the person on the ship that he cares for and trusts most besides his sister.

Best Friend (Island Edition) - Since coming to the Isle 8 years ago, the two are practically inseparable, he adores them to pieces, and considers them his best friend (aside from those in his crew, of course)

Various Friends, he's a friendly dude

Hook ups - Boy loves to sleep around, not entirely prone to one night stands as he's more likely to keep them around until they/he gets bored.

Exes - His relationships never truly last long, for various reasons. However, if they ask him to choose between them and his twin/crew? instant relationship ender.

He also teaches pirate yoga to kids, so if anyone has children, send them to yoga

[wikiuntamed]

Five steps of Wikipedia for Saturday, 29th July 2023

Welcome, Willkommen, 안녕하세요, Benvenuta 🤗 Five steps of Wikipedia from "ICGS Samudra Paheredar" to "Antoine Isaac Silvestre de Sacy". 🪜👣

Start page 👣🏁: ICGS Samudra Paheredar "ICGS Samudra Paheredar is an Indian Pollution Control Vessel (PCV).The ship was commissioned by then Chief of the Naval Staff Admiral Nirmal Verma in July 2012 in Gujarat. The vessel takes care of the east coast of India and can go up to a speed of 21 knots. It is the second pollution control..."

Image licensed under GODL-India? by Indian Coast Guard

Step 1️⃣ 👣: Gujarat "Gujarat ( GUUJ-ə-RAHT, Gujarati: [ˈɡudʒəɾat̪] (listen)) is a state along the western coast of India. Its coastline of about 1,600 km (990 mi) is the longest in the country, most of which lies on the Kathiawar peninsula. Gujarat is the fifth-largest Indian state by area, covering some 196,024 km2..."

Image licensed under CC BY-SA 4.0? by Karnatakapolatics

Step 2️⃣ 👣: Abu'l-Fazl ibn Mubarak "Abu'l-Fazl ibn Mubarak, also known as Abul Fazl, Abu'l Fadl and Abu'l-Fadl 'Allami (14 January 1551 – 22 August 1602), was the grand vizier of the Mughal emperor Akbar, from his appointment in 1579 until his death in 1602. He was the author of the Akbarnama, the official history of Akbar's reign in..."

Image by Govardhan

Step 3️⃣ 👣: Abu'l-Ma'ali Nasrallah "Nasrallah ibn Muhammad ibn Abd al-Hamid Shirazi (Persian: نصرالله بن محمد بن عبدالحمید شیرازی), better known as Abu'l-Ma'ali Nasrallah (ابوالمعالی نصرالله), was a Persian poet and statesman who served as the vizier of the Ghaznavid Sultan Khusrau Malik...."

Step 4️⃣ 👣: A. N. D. Haksar "Aditya Narayan Dhairyasheel Haksar (born 3 December 1933) is a well known translator of Sanskrit classics into English. Born in Gwalior, central India, he is a graduate of The Doon School, Allahabad University and Oxford University. He was a career diplomat, serving as Indian High Commissioner to..."

Image licensed under GODL-India? by Vice President's Secretariat

Step 5️⃣ 👣: Antoine Isaac Silvestre de Sacy "Antoine Isaac, Baron Silvestre de Sacy (French: [sasi]; 21 September 1758 – 21 February 1838), was a French nobleman, linguist and orientalist. His son, Ustazade Silvestre de Sacy, became a journalist...."

Image by Original uploader was Christian Kotnik at de.wikipedia

[carmelitesaet]

'I’ve never seen such horrific and terrible damage as these torrential rains have created throughout the Zumalai region in Timor-Leste. The people here are now afraid of further landslides as they deal with the devastating damage to their homes, roads, and communities.' Fr Bruce Clark (Prior Provincial) was speaking about the recent devastating floods that have hit many parts of Timor-Leste, including our own parish of Zumalai. The extreme flooding in Timor-Leste has wrought wide-spread destruction of homes, crops and roads in 9 out of 13 municipalities. Many people in our parish of Zumalai have been badly affected and at least one of our primary schools has been damaged by flood water.

More than 200 homes have been destroyed, washed away or rendered unsafe, including those belonging to 11 of our teachers. Hundreds of families have been displaced and have taken refuge in the local school. At least 3 bridges in the area are close to collapse and inaccessible and many roads have been washed away. Rice and vegetable crops have been destroyed.

Brothers Antonio and Silvestre are going from village to village on motorbike checking on the people and providing immediate care where they can. See photos below.

Can you help us? We need to urgently provide

• food and safe drinking water

• clothes, sanitation items & material aid for those in shelters

• materials for families to rebuild their homes, and

• help for communities to rebuild damaged infrastructure

https://carmelites.org.au/item/1320-i-ve-never-seen-such-horrific-and-terrible-damage

#carmelite #carmelites #carmelimpact #flood #appeal #support #mission #prayforpeace #prayfortimorleste #you #donate #donatenow #donations #timorleste #flooding #flooddamage #floodrelief #catholic #christianity #zumalai #jesus #christ #scripture #gospel #lectiodivina #assistance #help #helpme #helpingothers

[chicagocityofclans]

Amaria Crais → Kristin Kreuk → Cheetah 

→ Basic Information 

Age: 124

Gender: Female

Sexuality: Straight 

Born or Made: Born 

Birthday: September 2nd 

Zodiac Sign: Virgo

Religion: Animism

→ Her Personality Amaria is the youngest of 11 children from a strong line of cheetah animal shifters. Amaria is highly altruistic, supportive, and resourceful towards her pack, but also towards those she serves in their community. Her personality is rather complex in nature as a result of the trauma witnessed during her time shifted in Africa. She exhibits a large range of characteristics. Amaria is patient, kind, caring, and compassionate, especially towards her packmates. However, she has trouble communicating her emotions to others directly, and often tries to hide them, especially towards those she cares for romantically. 

Amaria shows difficulty handling her emotions, and often directs her energy into her work. By helping others as Pack Liaison, it gives her a way to avoid dealing with her issues in her personal life. This is largely rooted in the tragedy from her family and pack being hunted in their shifted forms while vacationing in Africa as a child; which also resulted in the death of her mother and a younger sibling. This traumatic event left Amaria emotionally fragile. Her toughness, courage, and fearlessness serve her well on the job as a Pack Liaison in pursuit of potential packmates, students and first line of contact for neighboring Cat packs. Amaria is able to maintain a calm and level head in these heated situations. She develops more character and personality as she grows.

→ Her Personal Facts

Occupation: Pack Liaison and 3rd of Clan Cat

Scars: None

Tattoos: None

Two Likes: Hazelnuts and Open Spaces 

Two Dislikes: Idleness and Needles

Two Fears: Failure and Inoculation

Two Hobbies: Jogging/Walking/Running and Self-Care

Three Positive Traits: Unselfish, Trusting, Outgoing 

Three Negative Traits: Persistent, Perfectionist, Possessive 

→ Her Connections

Parent Names:

Blake Crais (Father): Amaria was a daddy's girl, just like her sisters.

Hallie Crais (Mother): Amaria has always been close to her mother. 

Sibling Names:

Hattie James nee Crais (Sister): Hattie was a second mom to Amaria. It was a family joke that Hattie was really her mother and that her parents were taking care of her because Hattie wasn’t ready. It was a bad joke, but Amaria believed it.

Blythe Leonard nee Crais (Sister): Blythe is the black sheep of the family and keeps her distance from them. She had left for college and started her own family by time Amaria was old enough to remember her. Blythe and Hattie are twins.

Molly Winchester nee Crais (Sister): Molly was like a third mom to her. Amaria isn’t surprised her sister is married with multiple cubs of her own now. 

Saul Crais (Brother): Saul is her older brother who is much like their father, Blake. Amaria was born when he was well into his late 60s. Their relationship took off the older she got. Saul and Molly are twins.

Everett Crais (Brother): Everett died young and way before Amaria was born. She only knows him from pictures and stories told by her older siblings. 

Landon Crais (Brother): Henry, Landon, Everett, Elsia and Hazel are the quintuplets. Landon and Amaria have little in common but keep in touch.

Elsia Crais (Sister): Henry, Landon, Everett, Elsia and Hazel are quintuplets. Amaria talked her into staying with her in Chicago. She considers Elsie her best friend. They are closer now that Hattie is married and starting her own family.

Hazel Crais (Sister): Henry, Landon, Everett, Elsia and Hazel are the quintuplets. Hazel has always been a wild child. She will disappear for months or years on end. When they were in Africa, Amaria enjoyed her company.

Henry Crais (Brother): Henry, Landon, Everett, Elsia and Hazel are the quintuplets. Henry was killed a few years ago by poachers. Amaria still mourns his death and her chance of getting to know him better.

Christian Crais (Brother): Her and Christian are the closest. He was born 2 years ahead of her. They grew up together.

Children Names:

None

Romantic Connections:

Benjamin Miller (Ex-Boyfriend): Amaria and Ben dated for a year until things got too serious for Ben. He was not ready for a commitment or to have kids. Amaria avoided him for years but they have slowly begun to rebuild their friendship. 

Roy Allen (Interest): Amaria has been interested in Roy for sometime. She wants to be his number one but with his previous relationships and daughter, Amaria is unsure how it will work out between them. 

Platonic Connections:

Chris Bialar (Old Friend): Amaria has known Chris all of her life and even chose to follow him to the US when he chose to take over his own pack.

Greer Finley (Best Friend): Their friendship goes beyond helping each other move, girls night out and always being there for each other. Greer is more like Amaria’s platonic soulmate. They’re perfect matches when it comes to being friends.

Carter Bialar (Good Friend): Carter is the son Amaria has yet to have and the little brother she probably won’t ever get, all in one package.

Anahita Mishra (Friend): Amaria was the first member of the pack to meet and greet Anahita. They became friends pretty quickly and have stayed that way.

Malia Agyeman (Running Buddy): Amaria loves running with Malia because she is the only other member in their pack that can try to keep up with her.

Kayla Silvestre (Friendly): Amaria doesn’t mind Kayla’s attitude and outlook on life but admires that she is trying by seeing a psychiatrist. 

Miles King (Good Friend): Amaria loves the Creole language and the Haitian culture. Within the pack house it is their secret language together. Amaria knows about his past, as pack liaison, but keeps it to herself. 

Hostile Connections:

Chris Shaw (Dislike): Chris stalked her on multiple occasions in both human and animal form. It annoys Amaria to no point that everytime she tries to talk to him about it he denies it completely.

Pets:

None

→ History Amaria was born and raised in Southern Africa with her parents, Blake and Hallie Crais, and 10 older siblings. She was the youngest of 11 and fought for individuality from the rest of her siblings and the rest of the members of their pack. She graduated from Panthera Falls High School, the local private cat animal shifter school in 1910 at 16 years old, where she was taught reading, spelling, language (Afrikaans, English, Xhosa and Zulu), history, arithmetic, geography, penmanship and handwriting. Amaria always wanted to learn what the boys did but instead she was taught manners and how to walk like a lady. Only the males and lionesses were taught to hunt in shifted and human form and daily lives as a shifter in Africa. Even while shifted her siblings and packmates would be extremely upset or disappointed when she outran the males in their community. Girls weren’t supposed to be faster than those males that provided for them. Chris Bialar, the son of the alpha, was the only one that didn’t share their views and encouraged Amaria to be her own person. Chris even convinced her to follow her dreams which were to be like Blake, her father. He was the pack liaison, lawyer and second. However, since her parents were paying for her continuing education, they sent her to become a teacher, even though she had planned on attending college to become a lawyer like Blake. To further insult her they had shot down her request to be trained as a liaison and had planned to marry her off once she returned from getting her teaching degree.

On her first night back in Africa, she had car troubles after leaving the airport and heading to the grassland where their pack was vacationing in their shifted forms, her car broke down. Amaria called, getting her mother, Hallie and her brother, Henry to agree to run over since they were the fastest in their shifted forms. They were to lead her back to their location. Amaria regrets the call to this day. She was still waiting by her car when she heard a familiar sound of gun fire. Frozen, her heart drop to her feet when she heard a familiar growl that echoed the dryland around her. It didn’t take long for her to shift, without getting undressed, ripping everything off her in the process, and running towards the growing growling and ringing gun shots. Hallie was still breathing, in a pool of her own blood while being skinned by poachers. Her older brother, Henry was running in circles, clearly shot, trying to get back to their mother. While she rushed at the man standing over her mother, she heard the final blow that caught Henry right between the eyes, and her mother shifted back to human form having taken her last breath and losing control of her shift. Amaria still went for his neck but everyone else stood in shock at the two human bodies that laid in front of them that were once cheetahs. For the most part the poachers scrambled to their jeeps, but Amaria was faster and angrier. She blacked out. The minutes turned into hours then days. It was nearly a week when they found her deep in the savannah. She refused to change back as she mourned. She even lashed out at everyone that came near. She wasn’t ready to go home to a broken family, that was mainly her fault. Chris was the only one with a death wish and courage to approach her in human form and offer her comfort. Not that they’ll ever speak of it, but Amaria changed back in the middle of the night in his arms. 

The tragedy of losing her mother and sibling was a factor behind Amaria ultimately moving away from home when Chris chose to become the alpha of his own pack and move to America. She couldn’t face her family or pack and it was killing her inside. The transition was hard, but they eventually made it to New York during the Italian immigration rush in the 1920s. As they waited for other pack members to join them, they had disguised themselves as Italians and moved across New York trying to find a place for themselves. It took about 8 months for everyone that promised they would join under Chris to arrive. Everyone had agreed that New York wasn’t the place for them to start a pack and they started towards the West. When they crossed into New Jersey they were met with endless rat and nimble hostiles nearly resulting in the death of one of their own. They quickly transitioned into Pennsylvania, where they found multiple lone cat animal shifters and persuaded them to join their nomadic pack. Their next stop was West Virginia which was already occupied by a friendly cat pack. They took them in for a few months and suggested that they try the Midwest states or migrate into Canada. It took another few months, picking up a few stragglers along the way, until they arrived in Chicago, Illinois. They initially were headed to the Minnesota-Canada border, but instead experienced a large culture shock. It was just like New York, but they absolutely loved Chicago. Amaria had never met Human Shifters or Vampires before and there they were living together in the same city. Together and with the local shifter council they made Chicago their new home. Chris also granted a dream of hers by making her their pack liaison.   → The Present Currently Amaria, Greer, and Chris are having discussions with the Jackals to create a university catered especially to the supernatural community. Zack Harris brought the idea to them a few months ago and they’re hoping to start looking for locations soon. Amaria is looking forward to the prospects of the university and bringing in more wayward supernaturals across the globe. More so, of what it could mean about having more supernaturals enroll their children in supernatural run grade schools since a large majority of them are homeschooled.

[ravenlangblr]

LEARN SPANISH WATCHING TV SERIES (FROM SPAIN)

As you all may know, watching TV in your target language helps improving the vocabulary, listening comprehension, and knowledge of it in general. This is why I decided to create a masterpost with some of the most well-known TV series in Spain. The titles are clickable, and they redirect to a trailer or some short clip of the show. 

(Not following any particular order)

Las chicas del cable: Netflix’s first Spanish original series. It’s set in 1928, and it tells the story of a group of girls working for a telecommunications company. It has this Great Gastby feeling, highly recommended! 

Física o química: I’d say this is a low-budget, Spanish version of Skam or Skins, but a bit outdated since it’s from some years ago. But basically same story, the struggles of some high school kids.

Cuéntame cómo pasó: it narrates the daily life of a Spanish family of the second half of the twentieth century, so of course it has some historic episodes going on. It started back in 2001, based in 1968, and it’s still on air, narrating the year 1986.

Aquí no hay quién viva: sitcom which depicts the problems of the neighbours of an apartment building. It stopped being broadcast in 2006, but a new series with basically the same argument and actors emerged, called La que se avecina.

Los hombres de Paco: drama comedy which tells the story of some policemen.

Farmacia de guardia: apparently this is the most watched Spanish TV series ever. It’s a sitcom about a pharmaceutic and her life.

Los Serrano: drama comedy about a family and their struggles.

Vis a vis: a Spanish remake of Orange is the new black, basically.

El ministerio del tiempo: fantasy TV series about a ministry that travels in time.

Velvet: story of love between a heir and a seamstress in the 50s. Miguel Ángel Silvestre (who also appears on Sense8) plays the lead role here.

Sin tetas no hay paraíso: a love story between a posh girl and a troubled guy. Miguel Ángel Silvestre also plays a role here.

El príncipe: drama series of a relationship between a Christian policeman and a Muslim woman.

Aída: sitcom about a poor-ish, low class family and their neighbours.

Águila roja: about a masked hero, set during the 17th century.

La señora: set in the 20s, about a love story between people of two different social classes.

Amar en tiempos revueltos: soap opera depicting the life in the Spanish civil war.

Gran hotel: drama series set in 1905 about a family who own a hotel.

El internado: thriller which focuses on the lives of students living in a boarding room.

Médico de familia: a bit old, tells the story of a doctor and his family.

Hospital central: drama about the lives of some hospital workers.

Verano azul: from 1989, one of the most iconic Spanish TV series. It tells the story of some children and their summer vacation.

If you want to watch any of them and aren’t able to find them (or if you have any doubts), drop me a message and I’ll be glad to help. Happy learning!

Learn Spanish watching TV channels online

Learn Spanish listening to radio stations online

[malte1mj-blog]

2015/2016 TV Awards

Best Drama Series: The Affair Better Call Saul Game of Thrones Horace and Pete The Leftovers Mr. Robot HONORABLE MENTION: Bates Motel, Bloodline, Hannibal, Homeland, House of Cards, How to Get Away with Murder, The Knick, Marvel’s Jessica Jones, Narcos, Sense8, Shameless Best Actor - Drama Series: Kyle Chandler, Bloodline - "Part 23" Louis C.K., Horace and Pete - "Episode 10" Rami Malek, Mr. Robot - "eps1.0_hellofriend.mov" Wagner Moura, Narcos - "Descenso" Bob Odenkirk, Better Call Saul - "Klick" Justin Theroux, The Leftovers - "International Assassin" Dominic West, The Affair - "Episode 210" HONORABLE MENTION: Steve Buscemi, Horace and Pete; Hugh Dancy, Hannibal; Hugh Dancy, The Path; Freddie Highmore, Bates Motel; Mads Mikkelsen, Hannibal; Clive Owen, The Knick; Mandy Patinkin, Homeland; Aaron Paul, The Path; Brian J. Smith, Sense8; Kevin Spacey, House of Cards Best Actress - Drama Series: Claire Danes, Homeland - "Super Powers" Viola Davis, How to Get Away with Murder - "There's My Baby" Vera Farmiga, Bates Motel - "Forever" Tatiana Maslany, Orphan Black - "The Collapse of Nature" Krysten Ritter, Marvel's Jessica Jones - "AKA WWJD?" Ruth Wilson, The Affair - "Episode 212" Robin Wright, House of Cards - "Chapter 49" HONORABLE MENTION: Gillian Anderson, The X-Files; Lizzy Caplan, Masters of Sex; Mariska Hargitay, Law & Order: Special Victims Unit; Taraji P. Henson, Empire; Julianna Margulies, The Good Wife; Tuppence Middleton, Sense8; Michelle Monaghan, The Path; Ellen Pompeo, Grey’s Anatomy; Emmy Rossum, Shameless; Kerry Washington, Scandal Best Supporting Actor - Drama Series: Alan Alda, Horace and Pete - "Episode 1" Kevin Carroll, The Leftovers - "I Live Here Now" Christopher Eccleston, The Leftovers - "No Room at the Inn" Kit Harington, Game of Thrones - "Battle of the Bastards" Michael McKean, Better Call Saul - "Nailed" David Tennant, Marvel's Jessica Jones - "AKA WWJD?" Martin Wallstrom, Mr. Robot - "eps1.8_m1rr0r1ng.qt" HONORABLE MENTION: Michael Angarano, The Knick; Jonathan Banks, Better Call Saul; Jon Bernthal, Marvel’s Daredevil; Peter Dinklage, Game of Thrones; Andre Holland, The Knick; Joshua Jackson, The Affair; Joel Kinnaman, House of Cards; Dermot Mulroney, Shameless; Pedro Pascal, Narcos; Ray Romano, Vinyl; Miguel Angel Silvestre, Sense8; Christian Slater, Mr. Robot; Jussie Smollett, Empire; Jeremy Allen White, Shameless; Jesse Williams, Grey’s Anatomy Best Supporting Actress - Drama Series: Carrie Coon, The Leftovers - "Lens" Edie Falco, Horace and Pete - "Episode 10" Lena Headey, Game of Thrones - "The Winds of Winter" Regina King, The Leftovers - "Lens" Miranda Otto, Homeland - "All About Allison" Rhea Seehorn, Better Call Saul - "Rebecca" Maura Tierney, The Affair - "Episode 204" HONORABLE MENTION: Gillian Anderson, Hannibal; Annaleigh Ashford, Masters of Sex; Doona Bae, Sense8; Jacinda Barrett, Bloodline; Amy Brenneman, The Leftovers; Linda Cardellini, Bloodline; Emilia Clarke, Game of Thrones; Portia Doubleday, Mr. Robot; Emma Kenney, Shameless; Sissy Spacek, Bloodline; Liv Tyler, The Leftovers; Olivia Wilde, Vinyl; Maisie Williams, Game of Thrones Best Writing - Drama Series: Game of Thrones - "The Winds of Winter" - David Benioff & D.B. Weiss Horace and Pete - "Episode 3" - Louis C.K. The Leftovers - "International Assassin" - Nick Cuse & Damon Lindelof The Leftovers - "Lens" - Damon Lindeof & Tom Perrotta The Leftovers - "No Room at the Inn" - Jacqueline Hoyt & Damon Lindelof Mr. Robot - "eps1.0_hellofriend.mov" - Sam Esmail HONORABLE MENTION: The Affair - “Episode 210”; The Affair - “Episode 212”; Bates Motel - “Forever”; Better Call Saul - “Klick”; Bloodline - “Part 20”; Game of Thrones - “Battle of the Bastards”; Game of Thrones - “Book of the Stranger”; Grey’s Anatomy - “The Sound of Silence”; Hannibal - “Antipasto”; Hannibal - “The Wrath of the Lamb”; Homeland - “A False Glimmer”; Horace and Pete - “Episode 1”; Horace and Pete - “Episode 10”; House of Cards - “Chapter 49”; House of Cards - “Chapter 50”; How to Get Away with Murder - “Anna Mae”; The Knick - “This Is All We Are” The Leftovers - “I Live Here Now”; The Leftovers - “A Most Powerful Adversary”; The Leftovers - “Off Ramp”; Marvel’s Jessica Jones - “AKA Ladies Night”; Marvel’s Jessica Jones - “AKA WWJD?” Mr. Robot - “eps1.7_wh1ter0se.m4v”; Mr. Robot - “eps1.8_m1rr0rr1g.qt”; Narcos - “Descenso”; Sense8 - “Limbic Resonance”; Shameless - “The F Word” Best Directing - Drama Series: Game of Thrones - "Battle of the Bastards" - Miguel Sapochnik Horace and Pete - "Episode 10" - Louis C.K. The Knick - "This Is All We Are" - Steven Soderbergh The Leftovers - "International Assassin" - Craig Zobel The Leftovers - "No Room at the Inn" - Nicole Kassell Mr. Robot - "eps1.0_hellofriend.mov" - Niels Arden Oplev HONORABLE MENTION: The Affair - “Episode 212”; Bates Motel - “Norman”; Better Call Saul - “Klick”; Bloodline - “Part 20”; Game of Thrones - “The Winds of Winter”; Grey’s Anatomy - “The Sound of Silence”; Hannibal - “The Number of the Beast Is 666…”; Hannibal - “The Wrath of the Lamb”; Homeland - “A False Glimmer”; Horace and Pete - “Episode 1”; Horace and Pete - “Episode 3”; House of Cards - “Chapter 49”; How to Get Away with Murder - “Anna Mae”; The Knick - “Do You Remember Moon Flower?” The Leftovers - “I Live Here Now”; The Leftovers - “Lens”; The Leftovers - “Off Ramp”; Marvel’s Jessica Jones - “AKA Sin Bin”; Marvel’s Jessica Jones - “AKA WWJD?” Mr. Robot - “eps1.7_wh1ter0se.m4v”; Mr. Robot - “eps1.8_m1rr0rr1g.qt”; Narcos - “Descenso”; Sense8 - “What’s Going On?” Shameless - “Familia Supra Gallegorious Omnia!”; The X-Files - “Mulder & Scully Meet the Were-Monster” Best Guest Actor - Drama Series: Richard Armitage, Hannibal - "And the Woman Clothed in Sun" Rhys Darby, The X-Files - "Mulder & Scully Meet the Were-Monster" Vincent D'Onofrio, Marvel's Daredevil - "The Man in the Box" Raul Esparza, Hannibal - "The Number of the Beast Is 666..." Peter Friedman, The Affair - "Episode 203" Ian McShane, Game of Thrones - "The Broken Man" HONORABLE MENTION: Bruce Altman, Mr. Robot; Beau Bridges, Bloodline; Beau Bridges, Masters of Sex; Andrew Dice Clay, Vinyl; Michael Cristofer, Mr. Robot; Peter Gallagher, Law & Order: Special Victims Unit; Scott Glenn, The Leftovers; Scott Glenn, Marvel’s Daredevil; Eddie Izzard, Hannibal; Gene Jones, Vinyl; Tobias Menzies, Game of Thrones; Brian Stokes Mitchell, Mr. Robot; Glenn Morshower, Bloodline; Sam Shepard, Bloodline; Max von Sydow, Game of Thrones; Fred Weller, The Knick; B.D. Wong, Mr. Robot Best Guest Actress - Drama Series: Ellen Burstyn, House of Cards - "Chapter 41" Maria Dizzia, Horace and Pete - "Episode 9" Allison Janney, Masters of Sex - "Matters of Gravity" Laurie Metcalf, Horace and Pete - "Episode 3" Cynthia Nixon, The Affair - "Episode 210" Cicely Tyson, How to Get Away with Murder - "Anna Mae" HONORABLE MENTION: Nina Arianda, Horace and Pete; Aidy Bryant, Horace and Pete; Kathleen Chalfant, The Affair; Gabriela de la Garza, Narcos; Hannah Dunne, Horace and Pete; Lisa Gay Hamilton, House of Cards; Famke Janssen, How to Get Away with Murder; Paula Newsome, How to Get Away with Murder; Deirdre O’Connell, The Affair; Molly Parker, House of Cards; Karen Pittman, Horace and Pete; Bella Ramsey, Game of Thrones; Amy Sedaris, Horace and Pete; Chloe Sevigny, Bloodline; Kathleen Turner, The Path; Cicely Tyson, House of Cards; Rutina Wesley, Hannibal; Mare Winningham, The Affair Best Ensemble - Drama Series: Bloodline Game of Thrones How to Get Away with Murder The Leftovers Mr. Robot Sense8 HONORABLE MENTION: The Affair, Better Call Saul, Empire, The Good Wife, Grey’s Anatomy, Homeland, Horace and Pete, House of Cards, The Knick, Narcos, The Path, Scandal, Shameless, Vinyl Best New Drama Series: Horace and Pete Marvel's Jessica Jones Mr. Robot Narcos The Path Sense8 HONORABLE MENTION: Vinyl Best Comedy Series: Girls Master of None Orange Is the New Black Silicon Valley Transparent Veep HONORABLE MENTION: Baskets, black-ish, Catastrophe, Getting On, It’s Always Sunny in Philadelphia, Jane the Virgin, Lady Dynamite, The Last Man on Earth, Mom, Togetherness, Unbreakable Kimmy Schmidt Best Actor - Comedy Series: Anthony Anderson, black-ish - "Hope" Aziz Ansari, Master of None - "Parents" Mark Duplass, Togetherness - "Advanced Pretend" Will Forte, The Last Man on Earth - "30 Years of Science Down the Tubes" Zach Galifianakis, Baskets - "Picnic" Thomas Middleditch, Silicon Valley - "Daily Active Users" Jeffrey Tambor, Transparent - "Grey Green Brown & Copper" HONORABLE MENTION: Gael Garcia Bernal, Mozart in the Jungle; Rob Delaney, Catastrophe; Neil Flynn, The Middle; Noah Galvin, The Real O’Neals; Jake Johnson, New Girl; Jim Parsons, The Big Bang Theory; Craig Roberts, Red Oaks; Andy Samberg, Brooklyn Nine-Nine Best Actress - Comedy Series: Maria Bamford, Lady Dynamite - "Enter Super Grisham" Lena Dunham, Girls - "I Love You Baby" Anna Faris, Mom - "Sticky Hands and a Walk on the Wild Side" Gaby Hoffmann, Transparent - "The Book of Life" Ellie Kemper, Unbreakable Kimmy Schmidt - "Kimmy Finds Her Mom!" Julia Louis-Dreyfus, Veep - "Mother" Gina Rodriguez, Jane the Virgin - "Chapter Twenty-Five" HONORABLE MENTION: Jane Fonda, Grace and Frankie; Patricia Heaton, The Middle; Sharon Horgan, Catastrophe; Gillian Jacobs, Love; Melanie Lynskey, Togetherness; Laurie Metcalf, Getting On; Martha Plimpton, The Real O’Neals; Tracee Ellis Ross, black-ish; Taylor Schilling, Orange Is the New Black; Lily Tomlin, Grace and Frankie; Michaela Watkins, Casual Best Supporting Actor - Comedy Series: Louie Anderson, Baskets - "Uncle Dad" Tituss Burgess, Unbreakable Kimmy Schmidt - "Kimmy Meets a Celebrity!" Jay Duplass, Transparent - "Mee-Maw" T.J. Miller, Silicon Valley - "Bachman's Earning's Over-Ride" Andrew Rannells, Girls - "Love Stories" Timothy Simons, Veep - "Cuntgate" Steve Zissis, Togetherness - "Hotels" HONORABLE MENTION: Andre Braugher, Brooklyn Nine-Nine; Ty Burrell, Modern Family; Jaime Camil, Jane the Virgin; Gary Cole, Veep; Charlie Day, It’s Always Sunny in Philadelphia; Adam Driver, Girls; Kevin Dunn, Veep; Sam Elliott, The Ranch; Max Greenfield, New Girl; Tony Hale, Veep; Glenn Howerton, It’s Always Sunny in Philadelphia; Richard Kind, Red Oaks; Hugh Laurie, Veep; Rob McElhenney, It’s Always Sunny in Philadelphia; Kumail Nanjiani, Silicon Valley; Sam Richardson, Veep; Nick Sandow, Orange Is the New Black; Reid Scott, Veep; Matt Shively, The Real O’Neals; Martin Starr, Silicon Valley; Jason Sudeikis, The Last Man on Earth; Matt Walsh, Veep; Zach Woods, Silicon Valley Best Supporting Actress - Comedy Series: Uzo Aduba, Orange Is the New Black - "Fear, and Other Smells" Allison Janney, Mom - "Quaaludes and Crackerjack" Amy Landecker, Transparent - "Kina Hora" Judith Light, Transparent - "Flicky-Flicky Thump-Thump" Taryn Manning, Orange Is the New Black - "A Tittin' and a Hairin'" Amanda Peet, Togetherness - "Everybody Is Grownups" Noel Wells, Master of None - "Mornings" HONORABLE MENTION: Alex Borstein, Getting On; Danielle Brooks, Orange Is the New Black; Anna Chlumsky, Veep; Kathryn Hahn, Transparent; Jemima Kirke, Girls; Jane Krakowski, Unbreakable Kimmy Schmidt; Selenis Leyva, Orange Is the New Black; Zosia Mamet, Girls; Adrienne C. Moore, Orange Is the New Black; Kate Mulgrew, Orange Is the New Black; Niecy Nash, Getting On; Niecy Nash, Scream Queens; Andrea Navedo, Jane the Virgin; Kristen Schaal, The Last Man on Earth; Yara Shahidi, black-ish; Eden Sher, The Middle; Yael Stone, Orange Is the New Black; Sarah Sutherland, Veep; Samira Wiley, Orange Is the New Black Best Writing - Comedy Series: Girls - "The Panic in Central Park" - Lena Dunham Master of None - "Parents" - Aziz Ansari & Alan Yang Togetherness - "Advanced Pretend" - Jay Duplass & Mark Duplass Transparent - "Kina Hora" - Jill Soloway Veep - "Inauguration" - Jim Margolis Veep - "Kissing Your Sister" - Erik Kenward HONORABLE MENTION: Baskets - “Picnic”; black-ish - “Hope”; black-ish - “THE Word”; Catastrophe - “Episode 101”; Getting On - “Please Partake of a Memorial Orange”; Girls - “I Love You Baby”; Girls - “Love Stories”; It’s Always Sunny in Philadelphia - “Mac & Dennis Move to the Suburbs”; Jane the Virgin - “Chapter Twenty-Five”; Lady Dynamite - “Knife Feelings”; The Last Man on Earth - “30 Years of Science Down the Tubes”; Master of None - “Finale”; Master of None - “Mornings”; Master of None - “Nashville”; Mom - “Sticky Hands and a Walk on the Wild Side”; Orange Is the New Black - “Don’t Make Me Come Back There”; Orange Is the New Black - “A Tittin’ and a Hairin’”; Orange Is the New Black - “Trust No Bitch”; Silicon Valley - “Daily Active Users”; Silicon Valley - “The Uptick”; Togetherness - “Changetown”; Togetherness - “Everybody Is Grownups”; Transparent - “The Book of Life”; Transparent - “Grey Green Brown & Copper”; Transparent - “Man on the Land”; Unbreakable Kimmy Schmidt - “Kimmy Meets a Drunk Lady!”; Veep - “Congressional Ball”; Veep - “Cuntgate”; Veep - “Mother” Best Directing - Comedy Series: Girls - "The Panic in Central Park" - Richard Shepard Master of None - "Mornings" - Eric Wareheim Orange Is the New Black - "Trust No Bitch" - Phil Abraham Transparent - "Man on the Land" - Jill Soloway Veep - "Inauguration" - Becky Martin Veep - "Kissing Your Sister" - David Mandel HONORABLE MENTION: Baskets - “Picnic”; black-ish - “Hope”; Catastrophe - “Episode 203”; Getting On - “Please Partake of a Memorial Orange”; Girls - “I Love You Baby”; Girls - “Love Stories”; It’s Always Sunny in Philadelphia - “Being Frank”; Jane the Virgin - “Chapter Forty-Four”; Lady Dynamite - “Enter Super Grisham”; The Last Man on Earth - “Is Anybody Out There?”; Master of None - “Finale”; Master of None - “Nashville”; Master of None - “Parents”; Orange Is the New Black - “Don’t Make Me Come Back There”; Orange Is the New Black - “A Tittin’ and a Hairin’”; Silicon Valley - “Daily Active Users”; Silicon Valley - “Maleant Data Systems Solutions”; Togetherness - “Advanced Pretend”; Togetherness - “Changetown”; Transparent - “The Book of Life”; Transparent - “Grey Green Brown & Copper”; Transparent - “Kina Hora”; Unbreakable Kimmy Schmidt - “Kimmy Finds Her Mom!”; Veep - “Congressional Ball”; Veep - “Cuntgate”; Veep - “Mother” Best Guest Actor - Comedy Series: Christopher Abbott, Girls - "The Panic in Central Park" Shoukath Ansari, Master of None - "Parents" Sam Elliott, Grace and Frankie - "The Loophole" Martin Mull, Veep - "The Eagle" Olafur Darri Olfasson, Lady Dynamite - "Enter Super Grisham" Peter Scolari, Girls - "Good Man" HONORABLE MENTION: Clem Cheung, Master of None; Anton Coppola, Mozart in the Jungle; Noah Emmerich, Master of None; Jeff Goldblum, Unbreakable Kimmy Schmidt; Bill Hader, Brooklyn Nine-Nine; Dennis Haysbert, Brooklyn Nine-Nine; Judd Hirsch, The Big Bang Theory; Rob Huebel, Transparent; Nick Jonas, Scream Queens; Ki Hong Lee, Unbreakable Kimmy Schmidt; Jason Mantzoukas, Transparent; Matt McGorry, Orange Is the New Black; Hiro Mizushima, Girls; Dermot Mulroney, Mozart in the Jungle; Adam Pally, Lady Dynamite; Ravi Patel, Master of None; Corey Stoll, Girls; Bradley Whitford, Transparent Best Guest Actress - Comedy Series: Becky Ann Baker, Girls - "Queen for Two Days" Tina Fey, Unbreakable Kimmy Schmidt - "Kimmy Meets a Drunk Lady!" Anjelica Huston, Transparent - "Grey Green Brown & Copper" Lisa Kudrow, Unbreakable Kimmy Schmidt - "Kimmy Finds Her Mom!" Natasha Lyonne, Orange Is the New Black - "Empathy Is a Boner Killer" Jenny Slate, Girls - "Love Stories" HONORABLE MENTION: Nina Arianda, Master of None; Danielle Brooks, Master of None; Ellen Burstyn, Mom; Lynn Cohen, Master of None; Claire Danes, Master of None; Carrie Fisher, Catastrophe; Ariana Grande, Scream Queens; Melora Hardin, Transparent; Linda Lavin, Mom; Andrea Martin, Modern Family; Sonequa Martin-Green, New Girl; Laurie Metcalf, The Big Bang Theory; Annie Mumolo, Lady Dynamite; Estelle Parsons, Grace and Frankie; Condola Rashad, Master of None; Andrea Savage, Veep; Amy Sedaris, Unbreakable Kimmy Schmidt; Jenny Slate, Lady Dynamite; Michaela Watkins, Transparent Best Ensemble - Comedy Series: black-ish Jane the Virgin Orange Is the New Black Silicon Valley Transparent Veep HONORABLE MENTION: The Big Bang Theory, Brooklyn Nine-Nine, Getting On, Girls, Grace and Frankie, It’s Always Sunny in Philadelphia, The Last Man on Earth, The Middle, Modern Family, Mom, Mozart in the Jungle, New Girl, The Real O’Neal, Scream Queens Best New Comedy Series: Baskets Casual Catastrophe Lady Dynamite Master of None The Real O'Neals HONORABLE MENTION: F Is for Family, Fuller House, Love, The Ranch, Red Oaks, Scream Queens Best TV Movie/Miniseries: Fargo The Girlfriend Experience Lady Day at Emerson's Bar & Grill The People v. O.J. Simpson: American Crime Story Roots Show Me a Hero HONORABLE MENTION: Act One (Live From Lincoln Center), All the Way, Confirmation, Driving Miss Daisy (Great Performances), Flesh and Bone, The Night Manager, A Very Murray Christmas, Wet Hot American Summer: First Day of Camp Best Actor - TV Movie/Miniseries: Bryan Cranston, All the Way Ben Daniels, Flesh and Bone Santino Fontana, Act One (Live From Lincoln Center) Oscar Isaac, Show Me a Hero Courtney B. Vance, The People v. O.J. Simpson: American Crime Story Patrick Wilson, Fargo HONORABLE MENTION: Benedict Cumberbatch, Sherlock: The Abominable Bride; Colin Farrell, True Detective; Tom Hiddleston, The Night Manager; James Earl Jones, Driving Miss Daisy (Great Performances); Malachi Kirby, Roots; Bill Murray, A Very Murray Christmas; Rege-Jean Page, Roots; Tony Shalhoub, Act One (Live From Lincoln Center) Best Actress - TV Movie/Miniseries: Kirsten Dunst, Fargo Riley Keough, The Girlfriend Experience Rachel McAdams, True Detective Audra McDonald, Lady Day at Emerson's Bar & Grill Sarah Paulson, The People v. O.J. Simpson: American Crime Story Kerry Washington, Confirmation HONORABLE MENTION: Kathy Bates, American Horror Story: Hotel; Sarah Hay, Flesh and Bone; Lady Gaga, American Horror Story: Hotel; Angela Lansbury, Driving Miss Daisy (Great Performances) Best Supporting Actor - TV Movie/Miniseries: Sterling K. Brown, The People v. O.J. Simpson: American Crime Story Hugh Laurie, The Night Manager Nick Offerman, Fargo Denis O'Hare, American Horror Story: Hotel Jesse Plemons, Fargo Bokeem Woodbine, Fargo HONORABLE MENTION: Chad Coleman, Roots; Ted Danson, Fargo; Martin Freeman, Sherlock: The Abominable Bride; Taylor Kitsch, True Detective; Derek Luke, Roots; Anthony Mackie, All the Way; Zach McClarnon, Fargo; Christopher Meloni, Wet Hot American Summer: First Day of Camp; Alfred Molina, Show Me a Hero; Clarke Peters, Show Me a Hero; Jonathan Rhys Meyers, Roots; Angus Sampson, Fargo; David Schwimmer, The People v. O.J. Simpson: American Crime Story; Paul Sparks, The Girlfriend Experience; Jeffrey Wright, Confirmation Best Supporting Actress - TV Movie/Miniseries: Olivia Colman, The Night Manager LaTanya Richardson Jackson, Show Me a Hero Catherine Keener, Show Me a Hero Rachel Keller, Fargo Anika Noni Rose, Roots Jean Smart, Fargo HONORABLE MENTION: Elizabeth Debicki, The Night Manager; Ilfenesh Hadera, Show Me a Hero; Aisha Hinds, All the Way; Jennifer Hudson, Confirmation; Andrea Martin, Act One (Live From Lincoln Center); Elizabeth Marvel, Fargo; Cristin Milioti, Fargo; Natalie Paul, Show Me a Hero; Sarah Paulson, American Horror Story: Hotel; Amy Poehler, Wet Hot American Summer: First Day of Camp; Winona Ryder, Show Me a Hero; Amy Seimetz, The Girlfriend Experience; Erica Tazel, Roots Best Variety Series: Full Frontal with Samantha Bee Last Week Tonight with John Oliver The Late Late Show with James Corden Saturday Night Live The Tonight Show Starring Jimmy Fallon Whose Line Is It Anyway? HONORABLE MENTION: Best Time Ever with Neil Patrick Harris, Late Night with Seth Meyers, The Late Show with Stephen Colbert, Real Time with Bill Maher, Watch What Happens Live, With Bob & David Best Variety Special: Adele Live in New York City Amy Schumer: Live at the Apollo Grease: Live Lemonade Tig Notaro: Boyish Girl Interrupted The 69th Annual Tony Awards HONORABLE MENTION: Adele Live in London, AFI Life Achievement Award: A Tribute to Steve Martin, Chita Rivera: A Lot of Livin’ to Do (Great Performances), The Kennedy Center Honors, Kern & Hammerstein’s Show Boat (Live From Lincoln Center), The 2015 MTV Video Music Awards, Patton Oswalt: Talking for Clapping, Sinatra: Voice for a Century (Live From Lincoln Center), Super Bowl 50 Halftime Show, The Wiz Live!, The Wonderful World of Disney: Disneyland 60 Best Male Performer - Variety Series/Special: James Corden, The Late Late Show with James Corden Larry David, Saturday Night Live Jordan Fisher, Grease: Live David Alan Grier, The Wiz Live! John Oliver, Last Week Tonight with John Oliver Patton Oswalt, Patton Oswalt: Talking for Clapping HONORABLE MENTION: Fred Armisen, Saturday Night Live; Wayne Brady, Whose Line Is It Anyway?; David Cross, With Bob & David; Jimmy Fallon, The Tonight Show Starring Jimmy Fallon; Neil Patrick Harris, Best Time Ever with Neil Patrick Harris; Elijah Kelley, The Wiz Live!; Taran Killam, Saturday Night Live; Kendrick Lamar, The 58th Annual Grammy Awards; Norm Lewis, Kern & Hammerstein’s Show Boat (Live From Lincoln Center); Colin Mochrie, Whose Line Is It Anyway?; Tracy Morgan, Saturday Night Live; Ne-Yo, The Wiz Live!; Bob Odenkirk, With Bob & David; Carlos PenaVega, Grease: Live; Chris Rock, The 88th Annual Academy Awards; Ryan Stiles, Whose Line Is It Anyway? Best Female Perfomer - Variety Series/Special: Adele, Adele Live in New York City Samantha Bee, Full Frontal with Samantha Bee Beyonce, Lemonade Aretha Franklin, The Kennedy Center Honors Kate McKinnon, Saturday Night Live Keke Palmer, Grease: Live HONORABLE MENTION: Adele, Adele Live in London; Uzo Aduba, The Wiz Live!; Mary J. Blige, The Wiz Live!; Aidy Bryant, Saturday Night Live; Miley Cyrus, The 2015 MTV Video Music Awards; Ariana Grande, Saturday Night Live; Vanessa Hudgens, Grease: Live; Carly Rae Jepsen, Grease: Live; Lady Gaga, Sinatra 100: An All-Star Grammy Concert; Tig Notaro, Tig Notaro: Boyish Girl Interrupted; Chita Rivera, Chita Rivera: A Lot of Livin’ to Do (Great Performances); Amy Schumer, Amy Schumer: Live at the Apollo; Shanice Williams, The Wiz Live!; Vanessa Williams, Kern & Hammerstein’s Show Boat (Live From Lincoln Center); Lauren Worsham, Kern & Hammerstein’s Show Boat (Live From Lincoln Center) Best Animated Series: Archer Bob's Burgers BoJack Horseman The Simpsons HONORABLE MENTION: F Is for Family, Family Guy, South Park Best Voice-Over Performance - Animated Series: Will Arnett, BoJack Horseman - "Escape From L.A." H. Jon Benjamin, Bob's Burgers - "Glued, Where's My Bob?" Alison Brie, BoJack Horseman - "Hank After Dark" Julie Kavner, The Simpsons - "The Marge-ian Chronicles" Dan Mintz, Bob's Burgers - "The Horse Rider-er" Yeardley Smith, The Simpsons - "Lisa with an 'S'" HONORABLE MENTION: H. Jon Benjamin, Archer; Bill Burr, F Is for Family; Dan Castellaneta, The Simpsons; Laura Dern, F Is for Family; Seth MacFarlane, Family Guy; Eugene Mirman, Bob’s Burgers; Trey Parker, South Park; Aaron Paul, BoJack Horseman; Haley Reinhart, F Is for Family; John Roberts, Bob’s Burgers; Kristen Schaal, Bob’s Burgers; Amy Sedaris, BoJack Horseman; Jessica Walter, Archer Best Reality Series - Competition: The Challenge: Battle of the Bloodlines Hollywood Game Night Lip Sync Battle Project Runway RuPaul's Drag Race Survivor HONORABLE MENTION: The Amazing Race, America’s Next Top Model, Project Runway Junior, So You Think You Can Dance, Top Chef Best Reality Series - Non-Competition Catfish: The TV Show Hoarders Project Greenlight The Real Housewives of New York City Shark Tank Teen Mom HONORABLE MENTION: Flipping Out, The Real Housewives of Beverly Hills, Teen Mom 2 Breakthrough Male Performance: Kyle Allen, The Path Jordan Fisher, Grease: Live Noah Galvin, The Real O'Neals Malachi Kirby, Roots Rege-Jean Page, Roots Craig Roberts, Red Oaks HONORABLE MENTION: Jovan Adepo, The Leftovers; Jack Quaid, Vinyl; Max Riemelt, Sense8; Jon Rudnitsky, Saturday Night Live; Miguel Angel Silvestre, Sense8; Owen Teague, Bloodline; Kelvin Yu, Master of None Breakthrough Female Performance: Tara Lynne Barr, Casual Rachel Keller, Fargo Riley Keough, The Girlfriend Experience Tuppence Middleton, Sense8 Hari Nef, Transparent Shanice Williams, The Wiz Live! HONORABLE MENTION: Bre-Z, Empire; Jasmin Savoy Brown, The Leftovers; Dominique Fishback, Show Me a Hero; Ilfenesh Hadera, Show Me a Hero; Sarah Hay, Flesh and Bone; Martha Kelly, Baskets; Lady Gaga, American Horror Story: Hotel; Billie Lourd, Scream Queens; Natalie Paul, Show Me a Hero; Bella Ramsey, Game of Thrones; Ruby Rose, Orange Is the New Black; Lena Waithe, Master of None Best Documentary Program: Becoming Mike Nichols - Douglas McGrath Everything Is Copy - Jacob Bernstein & Nick Hooker Fantastic Lies (30 for 30) - Marina Zenovich Jim: The James Foley Story - Brian Oakes Larry Kramer in Love and Anger - Jean Carlomusto Making a Murderer - Moira Demos & Laura Ricciardi Mapplethorpe: Look at the Pictures - Fenton Bailey & Randy Barbato Nothing Left Unsaid: Gloria Vanderbilt & Anderson Cooper - Liz Garbus Very Semi-Serious: A Partially Thorough Portrait of New Yorker Cartoonists - Leah Wolchok Vice - Shane Smith What Happened, Miss Simone? - Liz Garbus Winter on Fire: Ukraine's Fight for Freedom - Evgeny Afineevsky HONORABLE MENTION: Heroin: Cape Cod USA, I Am Chris Farley, Mike Nichols (American Masters), The Prince of Pennsylvania (30 for 30), 3 1/2 Minutes Ten Bullets, Tig, White People

[bisonfallshq]

          you know what i’d LOVE to see here ??? some pocs !!! how about lucy liu, sofia boutella, zoe saldana, malese jow, jamie chung, laura harrier, sofia carson, zendaya, samantha logan, sarah jeffery, candice patton, sun yihan, tati gabrielle, bae doona, tina desai, erendira ibarra, aditi rao hydari, adria arjona, paris berelc, michael evans behling, reece king, chadwick boseman, chance perdomo, cody christian, itzan escamilla, keith powers, miguel angel silvestre, or justice smith ??

[directedhq-archive]

Congratulations ! You’ve been cast by The Director ! Under the cut are all accepted characters. You have 24 hours to send in your account or your faceclaim will be reopened ! 

[ SARAH HYLAND ] — Dylan Keary is back for spring term! She is a 19 year old sophomore at Levins University. She is a waitress and studies photography & creative writing. They’d hate for The Director to find out she changed her name, hair color, and eye color in order to hide from an abusive ex-boyfriend. [ Maddie, 19, est, She/her ]

[ CHARLES MELTON ] — Kyle Whalen is back for spring term! He is a 21 year old sophomore at Levins University. He is a student and studies culinary studies. They’d hate for The Director to find out he’s in a secret relationship with Drew De Beers. [ whale, 21, cst, she/her ]

[ DEVERY JACOBS ] — Henrietta Ottertail is back for spring term! She is a 22 year old junior at Levins University. She is a student and students dance/ballet. They’d hate for The Director to find out she’s a leader of a drug cartel and is paying her schooling with illegal funds. [ whale, 21, cst, she/her ]

[ CODY CHRISTIAN ] — Rey “Ponyboy” Whiteshell is back for spring term! He is a 19 year old freshman at Levins University. He is a student and studies public relations. They’d hate for The Director to find out he’s a contract assassin often hired by the criminal underground. [ whale, 21, cst, she/her ]  

[ SOPHIA BUSH ] — Marley Harrison is back for spring term! She is a 32 year old professor at Levins University. She is a professor and teaches criminology. They’d hate for The Director to find out she is pregnant, but not with her husband’s baby. [ emma, 20, pst, she/her] 

[ RYAN POTTER ] — Nathaniel Takegi is back for spring term! He is a 21 year old sophomore at Levins University. He is a student and studie biology. They’d hate for The Director to find out he does jobs, illegal or not, for spare cash and to pay his mother’s hospital bills. [ caleb, seventeen, aest/aedt, he/him. ] 

[ KEITH POWERS ] — Ace Adams is back for spring term! He is a 21 year old senior at Levins University. He is a student and studies engineering. They’d hate for The Director to find out he killed his pregnant girlfriend in a drunken hit and run. [ Al, 23, PST, she/her ]

[ MATT HITT] — Dill Elswood is back for spring term! He is a 22 years old senior at Levins University. He is a student and studies music. They’d hate for The Director to find out that they run a secret high class prostitution ring. [ brenda, 21, cst, she/her ]

[ JOE MANGANIELLO ] — Reed Brooks is back for spring term! He is a 40 year old professor at Levins University. He is a professor and teaches anatomy. They’d hate for The Director to find out they have been selling good grades. [ ally, 23, est, she/her] 

[ NICK ROBINSON ] — Andy potter is back for spring term! He is a 21 year old student at Levins University. He is a student and studies nursing. They’d hate for The Director to find out he has done adult videos and sold them online. [ ally, 23, est, she/her]

[ TYLER POSEY ] — Alistair Caheles is back for spring term! He is a 20 year old first year at Levins University. He is a freeloading student and studies earth & space science. They’d hate for The Director to find out about his pyromaniac tendencies and involvement in past crime. [ skye, 16, est nyc, she/her ]  

[ DACRE MONTGOMERY ] — Harold Northcott is back for spring term! He is a 20 year old senior at Levins University. He is a student and studies business administration. They’d hate for The Director to find out his late father’s company had illegal dealings. [ bella, 19, aest, she / her. ]

[ NICOLA PELTZ ] — Bronwyn Travers is back for spring term! SHE is a 19 year old freshman at Levins University. She is a student and studies veterinary medicine. They’d hate for The Director to find out about her heart murmur. [ bella, 19, aest, she / her. ]

[ CINDY KIMBERLY ] — Lucille Davenport is back for spring term! She is an 18 year old freshman at Levins University. She is a student and studies business. They’d hate for The Director to find out they got pregnant at sixteen and put the baby up for adoption. [ caleb, seventeen, aest/aedt, he/him. ]

[ MIGUEL ANGEL SILVESTRE  ] — Matias Gonzalez is back for spring term! He is a 37 year old professor at Levins University. He is a professor and teaches law studies. They’d hate for The Director to find out that his father used to use him as a prostitute and a street fighter back in Spain to make income for the family, but one night he snapped and beat his father to death. [ Jayjay, 21, EST, He/Him ]

[ NICO TORTORELLA ] — Zakariah Benson is back for spring term! He is a 26 year old senior at Levins University. He is a a student and studies theatre. They’d hate for The Director to find out that he is an undercover assassin with a hit on one of the students in the school and a fellow professor. [ JayJay, 21, EST, He/Him ] 

[ SOFIA BLACK D’ELIA ] — Artemis Hamilton is back for spring term! She is a 22 year old senior at Levins University. She is a student and studies criminal justice. They’d hate for The Director to find out she's sleeping with her teacher. [ Tasha, 20, PST, she/her ]

[ JING BORAN ] — Nathaniel Liu is back for spring term! He is a 25 year old professor at Levins University. He is a professor and teaches sociology 101. They’d hate for The Director to find out that while he was at college, a fellow student filmed him making out with his best friend’s soon-to-be fiance . [ Laura, 17, MST, She/her ]

[mrsunrepentantwarriorpriest]

What about Kevin Sorbo? Mel Gibson? Denzel Washington? Chuck Norris? Tom Hanks? Ryan Gosling? Jeff Foxworthy? Tim McGraw? Carrie Underwood? Stephen Colbert? Faith Hill? Mr. T? The Jonas Brothers? Garth Brooks? Martin Sheen? Tim Tebow? Robert Duval? Jeff Gordan? Fred Rogers? Emmit Smith? Reggie White? Deion Sanders? Mike Singletary? Kurt Warner? Dikembe Mutombo?Evander Holyfield? Gladys Knight? Mark Wahlberg? Chris Pratt? Patricia Heaton? Ralph Winter? Tim Allen? Silvestre Stallone? Jim Caviezel? Will Smith?

Joseph Simmons of Run-DMC is a practicing minister. Skillet, Switchfoot, and Thousand Foot Krutch are Christian rock.

There's plenty of Christian media that's well done and quality. The Book of Eli is a major movie that has a powerful Christian message. The Prince of Egypt and Joseph and the Technicolor Dream Coat are both praised as being accurately done. Hacksaw Ridge also has a powerful Christian message.

This is just a wide spread across the board.

What I don’t understand is, where are the Christians with talent?

Peter Jackson spent all of his free time from high school on working on his first movie, which he directed, acted in, and created special effects for. Why isn’t there a Christian doing that?

Robin Williams spent a lot of his childhood making his own radio programs with a cassette recorder his parents gave him, which was how he honed his ability to perform lots of different characters and improvise situations. Why isn’t there a Christian doing that?

Paul McCartney and John Lennon spent their teen years teaching themselves music by ear, travelling all over Liverpool to learn new guitar chords, putting together a band with their friends, even touring England and Germany. Why aren’t any Christians doing that?

Why are we either born without talent or else choose to not use it to glorify Him and just let it atrophy?

[ghcstlyhearts]

# TAG DROP - CHRISTIAN "KIT" SILVESTRE.

[uacboo]

On February 26, 1919, Congress passed An Act to Establish the Grand Canyon National Park in the State of Arizona. The Grand Canyon of the Colorado River in northwestern Arizona is one of the earth’s greatest natural wonders. Comprising over 1 million acres of northwestern Arizona, the park includes the most spectacular area of the 277-mile canyon cut by the Colorado River. Still inhabited by Native peoples with at least 2,000 years of history in the area, some of the tribes of Grand Canyon region are the Hopi, Navajo, Zuni, Paiute, Havasupai, and Hualapai.

The first bill to create Grand Canyon National Park was introduced in 1882, and again in 1883 and 1886 by Senator Benjamin Harrison. As president, Harrison established the Grand Canyon Forest Reserve in 1893. President Theodore Roosevelt created the Grand Canyon Game Preserve by proclamation in 1906 and Grand Canyon National Monument in 1908. Senate bills to establish a national park were introduced and defeated in 1910 and 1911; the Grand Canyon National Park Act was finally signed by President Woodrow Wilson in 1919. The National Park Service, established in 1916, assumed administration of the park.

Before the middle of the nineteenth century, very little was known about the geography of the Grand Canyon. Because of its remote location, the area in and around the canyon was not explored or mapped in detail by Europeans, although it was probably visited in 1540 by the Spanish expedition of Garcia Lopez de Cardenas, who searched with Vasques de Coronado for the seven legendary cities of Cibola. In 1776, two Spanish priests, Francisco Dominguez and Silvestre de Escalante, crossed the Colorado River while exploring the area, but little knowledge of the region was passed down in written form to later generations. The primary source of information about the magnificent canyon was an oral tradition sustained by the reports of fur trappers and traders and so-called “mountain men,” most of whom were escorted through the rugged terrain by Native American guides.

Only one early visitor, Warren Augustus Ferris, is known to have produced a map showing the Grand Canyon. Drawn in 1836, it was not published until 1940, too late to be of use to the geographers and explorers who first traveled to the Colorado River and the canyon during the late nineteenth century. Ferris did, however, write and publish several articles in the 1840s, one of which described the canyon. His account added to the available information about the existence and approximate location of the Grand Canyon and helped to increase interest in further exploration of the area.

To learn more from The Library of Congress: https://www.loc.gov/item/today-in-history/february-26/?loclr=twloc

Picture 1 and 2, @grandcanyonnps on Instagram, 2 from Christian Schroll; 3 is from LOC. A thousand pictures cannot show the magnitude of the Grand Canon, it must be viewed in person.

[michaeljames1221]

Foreclosure Lawyer Provo Utah

Provo is the third-largest city in Utah, United States. It is 43 miles (69 km) south of Salt Lake City along the Wasatch Front. Provo is the largest city and county seat of Utah County. It is home to Brigham Young University, and Sundance Resort is located just northeast of the city. While Father Silvestre Vélez de Escalante, a Spanish Franciscan missionary-explorer, is considered the first European visitor to the area that would become Provo, the first permanent settlement was established in 1849 as Fort Utah. The name was changed to “Provo” in 1850, in honor of Étienne Provost, an early French-Canadian trapper. Provo’s climate lies in the transition zone between a humid subtropical climate and humid continental climate, with high temperatures averaging between about 94 °F or 34.4 °C in the summer and 40 °F or 4.4 °C in the winter. Average annual precipitation (rain and snow) is just less than 20 inches (51 cm). The population of Provo has grown from 2030 in 1860 to an estimated 116,702 in 2018. The 2010 census showed slightly more females than males, with over 55% of the population living as couples, and almost 35% of households having children under the age of 18. The population is over 90% Christian, with almost 89% being Latter Day Saints.

The economy in Provo is powered by many different businesses and organizations, including over 100 restaurants, two shopping malls, multiple universities and colleges, a number of small companies, and several large international businesses. Utah Valley Hospital is a Level II Trauma Center, and has several campuses of medical professionals surrounding it. America’s Freedom Festival at Provo, held every May through July, is one of the largest Independence Day celebrations in the United States. Several cultural points of interest in the city include the Covey Center for the Arts, the LDS Missionary Training Center, and the Provo City Library at Academy Square. Provo contains two LDS temples: Provo Utah Temple and Provo City Center Temple, the latter being restored from the ruins of the Provo Tabernacle. The Utah Valley Convention Center is also located in downtown Provo. There are several museums located on the campus of Brigham Young University. Natural features include Bridal Veil Falls, Provo River, Utah Lake and Uinta-Wasatch-Cache National Forest. Timpanogos Cave National Monument is located several miles north of Provo. A number of national historic landmarks are located within Provo, including the Reed O. Smoot House. Provo is served by Utah Transit Authority, operator of the FrontRunner commuter rail and a bus service connected to the rest of the Wasatch Front. Amtrak stops at Provo station, providing daily access to its California Zephyr service. Interstate 15, U.S. 89 and U.S. 189 provide major road service to Provo. Air transportation is available at Utah’s second busiest airport, Provo Municipal Airport.

How Can a Lawyer Stop a Foreclosure

The idea of losing your home to foreclosure is terrifying. A lawyer’s expertise can provide you peace of mind throughout the stressful process — but coming up with the funds for a lawyer when you are struggling to keep your home is often a challenge. You may wonder if it is really worth the cost. In some cases, a lawyer may be able to stop foreclosure, or at least buy you more time. Even if you can’t keep the home, a lawyer might be able to help you escape the liability associated with foreclosure. Reviewing Your Loan Documents

A lawyer can review your loan and address any unfair or predatory lending practices. For instance, a lender may improperly file a foreclosure or make errors in the loan documents at closing. According to the federal Truth in Lending Act, even a slight mistake in calculating your annual percentage rate could result in a violation of the act, giving you the right to rescind the loan. Rescinding basically allows you to cancel the loan. Advocating on Your Behalf A real estate lawyer is an expert on state foreclosure laws. The lawyer can explain your rights, the process, and any available prevention methods. Your lawyer can also negotiate directly with the bank on your behalf to reach a solution outside of court. Possible options include a loan modification, short sale, or deed in lieu of foreclosure. Having a lawyer fighting on your side improves your chances of having effective communication with the bank. You’re less likely to get lost in the shuffle or thrown on the back burner. Filing a Legal Response If you are in a state that requires judicial foreclosures, the lender must file a lawsuit against you to foreclose. Once you are served with papers, you have a certain number of days to respond. The legal terminology is often overwhelming. A lawyer can explain the paperwork and file your answer to the complaint with an appropriate defense. The lawyer may even file a counter claim, counter-suing the lender for violations of the law. Filing Bankruptcy Bankruptcy can temporarily stop a foreclosure. It is always best to consult a lawyer if you are considering bankruptcy. Chapter 7 bankruptcy is the form of bankruptcy used to wipe the slate clean. Filing automatically stops the foreclosure clock. You can’t keep the home permanently, but your liability is released. In Chapter 13 bankruptcy, debt is restructured to make your payments more affordable. If you can afford to resume making your normal mortgage payment, the arrears may be reduced. Debt must be paid to the trustee through a monthly repayment plan. Bankruptcy is complicated and certain eligibility requirements must be met. The attorney can guide you through the process and paperwork. If you are considering bankruptcy, it can be used as a defense in your foreclosure response. Last Minute Strategies to Stop Foreclosure If you’re facing foreclosure, you might be able to stop the process by filing for bankruptcy, applying for a loan modification, or filing a lawsuit. If you’ve fallen behind on your mortgage payments and a foreclosure sale is looming in the very near future, you might still be able to save your home. You can potentially file bankruptcy, apply for a loan modification or other workout option, or file suit against the foreclosing party (the “bank”) to possibly stop the foreclosure entirely, or at least delay the process. File for Bankruptcy to Stop the Foreclosure If the foreclosure sale is scheduled to occur in the next few days, you can halt the sale immediately by filing for bankruptcy. The automatic stay will stop the foreclosure in its tracks. Once you file for bankruptcy, something called an “automatic stay” immediately goes into effect. The stay functions as an injunction prohibiting the bank from foreclosing on your home or otherwise trying to collect its debt. This means that any foreclosure activity must be halted during the bankruptcy process. The bank may file a motion for relief from the stay. The bank might attempt to have the stay lifted by filing a motion seeking permission from the court to continue with the foreclosure. Even if the bankruptcy court grants this motion and allows the foreclosure to proceed, the foreclosure will be delayed at least a month or two. This should provide you with time to explore alternatives to foreclosure with your bank.

Chapter 13 Bankruptcy vs. Chapter 7 Bankruptcy

If you want to keep your home, a Chapter 13 bankruptcy might help you accomplish this goal. But if you’re simply trying to buy some time by stalling the foreclosure, a Chapter 7 bankruptcy might be right for you. Benefits of a Chapter 13 bankruptcy A Chapter 13 bankruptcy can help you keep your home by restructuring your debts. You will repay debts—some in part and some in full—over a period of three to five years as part of a repayment plan. You might be able to avoid foreclosure and remain in your home with this type of bankruptcy because you can repay any delinquent mortgage payments through the plan. Also, you will likely pay a fraction (or sometimes, none) of your unsecured debts during the plan period and possibly eliminate certain other debts—like underwater second and third mortgages because they’re considered unsecured loans—entirely when you complete your plan, freeing up money for your first mortgage. Even if you can’t complete the plan, filing for Chapter 13 bankruptcy will give you at least several months before a foreclosure can be completed.

Benefits of a Chapter 7 bankruptcy

If you’re already in foreclosure, filing Chapter 7 bankruptcy isn’t usually a good way to save your home, but it will delay the foreclosure proceedings and provide you with time to live in the home without making payments. You can put this money towards saving up for a rental. You can also use this time to try to work with the bank to come up with a way to avoid foreclosure. And, even if you still go through a foreclosure, the Chapter 7 bankruptcy will eliminate your personal liability for the mortgage debt, which means you won’t be liable for any deficiency remaining after the foreclosure.

Apply for a Loan Modification

While you don’t want to wait until the last minute with this option, you might be able delay a foreclosure by applying for a loan modification, or another foreclosure avoidance option, because the bank could be restricted from dual tracking. Dual tracking is when the bank proceeds with the foreclosure while a loss mitigation application is pending. Ultimately, if your modification application is approved, the foreclosure will be permanently stopped so long as you keep up with the modified payments. Federal Rules Restrict Dual Tracking Under federal law, if a complete loss mitigation application is received more than 37 days before a foreclosure sale, the servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until: • the servicer informs the borrower that the borrower is not eligible for any loss mitigation option (and any appeal has been exhausted) • the borrower rejects all loss mitigation offers, or • the borrower fails to comply with the terms of a loss mitigation option such as a trial modification. Be aware that the servicer generally doesn’t have to review more than one loss mitigation application from you. But if you bring the loan current after submitting an application, the servicer must consider it.

File a Lawsuit to Stop the Foreclosure

If your bank is using a non-judicial process to foreclose—where the foreclosure is completed outside of the court system—then you might be able to delay or stop the foreclosure by filing a lawsuit against the bank to challenge the foreclosure. This tactic normally won’t work if the foreclosure is judicial because by the time of a foreclosure sale, you’ve already had your opportunity to be heard in court. To prevail in your lawsuit against your bank, you’ll need to prove to the satisfaction of the court that the foreclosure should not take place because, for example, the foreclosing bank: • can’t prove it owns the promissory note • didn’t act in compliance with state mediation requirements • violated the state’s Homeowner Bill of Rights • didn’t follow all of the required steps in the foreclosure process (as determined by state law), or • made some other grievous error. The downside to suing your bank is that if you’re unable to prove your case, this will only delay the foreclosure process. Lawsuits can be expensive and, if you have no reasonable basis for your claims, you could get stuck paying the bank’s court costs and attorneys’ fees.

If you’re facing an imminent foreclosure sale and considering any of the options discussed in this article, it is strongly recommended that you consult with a local foreclosure attorney or bankruptcy attorney immediately. To get information about different loss mitigation options, you should also consider talking to a HUD-approved housing counselor. Important Questions To Ask A Foreclosure Defense Lawyer To determine which foreclosure defense attorney is a good fit for your case, you will need to ask them several questions. The most important of these, and the answers you should be looking for, are listed below. How Many Foreclosure Cases Have You Litigated in Court? Utah is a judicial foreclosure state, meaning that in order to foreclose, a lender must file a lawsuit against the borrower and take them to court. It is important to ask if a foreclosure defense lawyer has been in court and litigated against the big mortgage companies. Filing a bankruptcy case is not the same thing as litigating in court, and you want to make sure that your attorney has the experience necessary to give you the best chance possible in the event that you have to defend your case in court. Is Litigation the Best Defense for Foreclosure? Although you want to make sure that your lawyer has experience litigating foreclosure cases in court, it is just as important to understand that this may not be the best route for you. If you are a victim of fraud or illegitimate fees and charges, you probably will have to go through litigation. On the other hand, if there is a better option for you, such as filing for bankruptcy, you want to work with a lawyer who will advise you of this option.

How Often Do You Attend Classes and Seminars Regarding Foreclosures? The law surrounding car accidents has not changed in decades; however, the laws surrounding foreclosures changes all the time. Foreclosure cases that were handled five years ago must be handled much differently now. You want to ensure that you are working with an attorney who keeps up with these changing laws, as they are very relevant to your case. If you work with a lawyer who is not familiar with these laws, it will pose serious problems for your defense and you could end up losing your home.

Are You Licensed to Practice?

You may think that if you are speaking to a foreclosure defense lawyer, they are surely licensed to practice in the state. This is a mistake. Some lawyers have viewed the foreclosure crisis as an opportunity to bring in more business, even though they cannot legally practice law in the state. These lawyers may be able to negotiate with lenders for you but, if your case ends up in court, which many do, you could find yourself in a great deal of trouble. You will have to find a new lawyer and by that point, you may be running out of time in your case. At Ascent Law, we only have Utah licensed attorneys working as lawyers on your case.

What Approach Do You Use When Defending a Foreclosure Case?

There is more than one approach that can be used when defending a foreclosure. You can fight to stay in your home and obtain a loan modification, you can file for bankruptcy, or you can present your lender with the idea of a short sale. These are just a few options you have if a lender starts foreclosure proceedings against you. A lawyer may suggest all of these, or they may only suggest one. You want to ensure that a lawyer will present you with many different options, even if they make a recommendation for one in particular. If you end up working with an attorney who treats all foreclosures the same, that approach may not be the right one for your case and you could find yourself in a bigger mess than when you began, such as if you filed for bankruptcy when you did not have to.

How Often Will You Update Me About My Case?

It is a huge relief to hand your case over to an experienced attorney and know that they will take care of all the details associated with it. However, any attorney should still keep you up to date on the status of your case and any changes with it as soon as they occur. One of the most common complaints against lawyers is that they take a case and then the client rarely hears from them. When they do get an update on their case or have a question, they only communicate is with a paralegal or an associate. While lawyers need these professionals to help them with cases, you should still mainly be working and communicating with the attorney you spoke with during your free consultation. If you are not, your case may not be getting the attention it deserves.

Provo Utah Foreclosure Attorney

When you need a foreclosure lawyer in Provo Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

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Foreclosure Lawyer Provo Utah

Provo is the third-largest city in Utah, United States. It is 43 miles (69 km) south of Salt Lake City along the Wasatch Front. Provo is the largest city and county seat of Utah County. It is home to Brigham Young University, and Sundance Resort is located just northeast of the city. While Father Silvestre Vélez de Escalante, a Spanish Franciscan missionary-explorer, is considered the first European visitor to the area that would become Provo, the first permanent settlement was established in 1849 as Fort Utah. The name was changed to “Provo” in 1850, in honor of Étienne Provost, an early French-Canadian trapper. Provo’s climate lies in the transition zone between a humid subtropical climate and humid continental climate, with high temperatures averaging between about 94 °F or 34.4 °C in the summer and 40 °F or 4.4 °C in the winter. Average annual precipitation (rain and snow) is just less than 20 inches (51 cm). The population of Provo has grown from 2030 in 1860 to an estimated 116,702 in 2018. The 2010 census showed slightly more females than males, with over 55% of the population living as couples, and almost 35% of households having children under the age of 18. The population is over 90% Christian, with almost 89% being Latter Day Saints.

The economy in Provo is powered by many different businesses and organizations, including over 100 restaurants, two shopping malls, multiple universities and colleges, a number of small companies, and several large international businesses. Utah Valley Hospital is a Level II Trauma Center, and has several campuses of medical professionals surrounding it. America’s Freedom Festival at Provo, held every May through July, is one of the largest Independence Day celebrations in the United States. Several cultural points of interest in the city include the Covey Center for the Arts, the LDS Missionary Training Center, and the Provo City Library at Academy Square. Provo contains two LDS temples: Provo Utah Temple and Provo City Center Temple, the latter being restored from the ruins of the Provo Tabernacle. The Utah Valley Convention Center is also located in downtown Provo. There are several museums located on the campus of Brigham Young University. Natural features include Bridal Veil Falls, Provo River, Utah Lake and Uinta-Wasatch-Cache National Forest. Timpanogos Cave National Monument is located several miles north of Provo. A number of national historic landmarks are located within Provo, including the Reed O. Smoot House. Provo is served by Utah Transit Authority, operator of the FrontRunner commuter rail and a bus service connected to the rest of the Wasatch Front. Amtrak stops at Provo station, providing daily access to its California Zephyr service. Interstate 15, U.S. 89 and U.S. 189 provide major road service to Provo. Air transportation is available at Utah’s second busiest airport, Provo Municipal Airport.

How Can a Lawyer Stop a Foreclosure

The idea of losing your home to foreclosure is terrifying. A lawyer’s expertise can provide you peace of mind throughout the stressful process — but coming up with the funds for a lawyer when you are struggling to keep your home is often a challenge. You may wonder if it is really worth the cost. In some cases, a lawyer may be able to stop foreclosure, or at least buy you more time. Even if you can’t keep the home, a lawyer might be able to help you escape the liability associated with foreclosure. Reviewing Your Loan Documents

A lawyer can review your loan and address any unfair or predatory lending practices. For instance, a lender may improperly file a foreclosure or make errors in the loan documents at closing. According to the federal Truth in Lending Act, even a slight mistake in calculating your annual percentage rate could result in a violation of the act, giving you the right to rescind the loan. Rescinding basically allows you to cancel the loan. Advocating on Your Behalf A real estate lawyer is an expert on state foreclosure laws. The lawyer can explain your rights, the process, and any available prevention methods. Your lawyer can also negotiate directly with the bank on your behalf to reach a solution outside of court. Possible options include a loan modification, short sale, or deed in lieu of foreclosure. Having a lawyer fighting on your side improves your chances of having effective communication with the bank. You’re less likely to get lost in the shuffle or thrown on the back burner. Filing a Legal Response If you are in a state that requires judicial foreclosures, the lender must file a lawsuit against you to foreclose. Once you are served with papers, you have a certain number of days to respond. The legal terminology is often overwhelming. A lawyer can explain the paperwork and file your answer to the complaint with an appropriate defense. The lawyer may even file a counter claim, counter-suing the lender for violations of the law. Filing Bankruptcy Bankruptcy can temporarily stop a foreclosure. It is always best to consult a lawyer if you are considering bankruptcy. Chapter 7 bankruptcy is the form of bankruptcy used to wipe the slate clean. Filing automatically stops the foreclosure clock. You can’t keep the home permanently, but your liability is released. In Chapter 13 bankruptcy, debt is restructured to make your payments more affordable. If you can afford to resume making your normal mortgage payment, the arrears may be reduced. Debt must be paid to the trustee through a monthly repayment plan. Bankruptcy is complicated and certain eligibility requirements must be met. The attorney can guide you through the process and paperwork. If you are considering bankruptcy, it can be used as a defense in your foreclosure response. Last Minute Strategies to Stop Foreclosure If you’re facing foreclosure, you might be able to stop the process by filing for bankruptcy, applying for a loan modification, or filing a lawsuit. If you’ve fallen behind on your mortgage payments and a foreclosure sale is looming in the very near future, you might still be able to save your home. You can potentially file bankruptcy, apply for a loan modification or other workout option, or file suit against the foreclosing party (the “bank”) to possibly stop the foreclosure entirely, or at least delay the process. File for Bankruptcy to Stop the Foreclosure If the foreclosure sale is scheduled to occur in the next few days, you can halt the sale immediately by filing for bankruptcy. The automatic stay will stop the foreclosure in its tracks. Once you file for bankruptcy, something called an “automatic stay” immediately goes into effect. The stay functions as an injunction prohibiting the bank from foreclosing on your home or otherwise trying to collect its debt. This means that any foreclosure activity must be halted during the bankruptcy process. The bank may file a motion for relief from the stay. The bank might attempt to have the stay lifted by filing a motion seeking permission from the court to continue with the foreclosure. Even if the bankruptcy court grants this motion and allows the foreclosure to proceed, the foreclosure will be delayed at least a month or two. This should provide you with time to explore alternatives to foreclosure with your bank.

Chapter 13 Bankruptcy vs. Chapter 7 Bankruptcy

If you want to keep your home, a Chapter 13 bankruptcy might help you accomplish this goal. But if you’re simply trying to buy some time by stalling the foreclosure, a Chapter 7 bankruptcy might be right for you. Benefits of a Chapter 13 bankruptcy A Chapter 13 bankruptcy can help you keep your home by restructuring your debts. You will repay debts—some in part and some in full—over a period of three to five years as part of a repayment plan. You might be able to avoid foreclosure and remain in your home with this type of bankruptcy because you can repay any delinquent mortgage payments through the plan. Also, you will likely pay a fraction (or sometimes, none) of your unsecured debts during the plan period and possibly eliminate certain other debts—like underwater second and third mortgages because they’re considered unsecured loans—entirely when you complete your plan, freeing up money for your first mortgage. Even if you can’t complete the plan, filing for Chapter 13 bankruptcy will give you at least several months before a foreclosure can be completed.

Benefits of a Chapter 7 bankruptcy

If you’re already in foreclosure, filing Chapter 7 bankruptcy isn’t usually a good way to save your home, but it will delay the foreclosure proceedings and provide you with time to live in the home without making payments. You can put this money towards saving up for a rental. You can also use this time to try to work with the bank to come up with a way to avoid foreclosure. And, even if you still go through a foreclosure, the Chapter 7 bankruptcy will eliminate your personal liability for the mortgage debt, which means you won’t be liable for any deficiency remaining after the foreclosure.

Apply for a Loan Modification

While you don’t want to wait until the last minute with this option, you might be able delay a foreclosure by applying for a loan modification, or another foreclosure avoidance option, because the bank could be restricted from dual tracking. Dual tracking is when the bank proceeds with the foreclosure while a loss mitigation application is pending. Ultimately, if your modification application is approved, the foreclosure will be permanently stopped so long as you keep up with the modified payments. Federal Rules Restrict Dual Tracking Under federal law, if a complete loss mitigation application is received more than 37 days before a foreclosure sale, the servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until: • the servicer informs the borrower that the borrower is not eligible for any loss mitigation option (and any appeal has been exhausted) • the borrower rejects all loss mitigation offers, or • the borrower fails to comply with the terms of a loss mitigation option such as a trial modification. Be aware that the servicer generally doesn’t have to review more than one loss mitigation application from you. But if you bring the loan current after submitting an application, the servicer must consider it.

File a Lawsuit to Stop the Foreclosure

If your bank is using a non-judicial process to foreclose—where the foreclosure is completed outside of the court system—then you might be able to delay or stop the foreclosure by filing a lawsuit against the bank to challenge the foreclosure. This tactic normally won’t work if the foreclosure is judicial because by the time of a foreclosure sale, you’ve already had your opportunity to be heard in court. To prevail in your lawsuit against your bank, you’ll need to prove to the satisfaction of the court that the foreclosure should not take place because, for example, the foreclosing bank: • can’t prove it owns the promissory note • didn’t act in compliance with state mediation requirements • violated the state’s Homeowner Bill of Rights • didn’t follow all of the required steps in the foreclosure process (as determined by state law), or • made some other grievous error. The downside to suing your bank is that if you’re unable to prove your case, this will only delay the foreclosure process. Lawsuits can be expensive and, if you have no reasonable basis for your claims, you could get stuck paying the bank’s court costs and attorneys’ fees.

If you’re facing an imminent foreclosure sale and considering any of the options discussed in this article, it is strongly recommended that you consult with a local foreclosure attorney or bankruptcy attorney immediately. To get information about different loss mitigation options, you should also consider talking to a HUD-approved housing counselor. Important Questions To Ask A Foreclosure Defense Lawyer To determine which foreclosure defense attorney is a good fit for your case, you will need to ask them several questions. The most important of these, and the answers you should be looking for, are listed below. How Many Foreclosure Cases Have You Litigated in Court? Utah is a judicial foreclosure state, meaning that in order to foreclose, a lender must file a lawsuit against the borrower and take them to court. It is important to ask if a foreclosure defense lawyer has been in court and litigated against the big mortgage companies. Filing a bankruptcy case is not the same thing as litigating in court, and you want to make sure that your attorney has the experience necessary to give you the best chance possible in the event that you have to defend your case in court. Is Litigation the Best Defense for Foreclosure? Although you want to make sure that your lawyer has experience litigating foreclosure cases in court, it is just as important to understand that this may not be the best route for you. If you are a victim of fraud or illegitimate fees and charges, you probably will have to go through litigation. On the other hand, if there is a better option for you, such as filing for bankruptcy, you want to work with a lawyer who will advise you of this option.

How Often Do You Attend Classes and Seminars Regarding Foreclosures? The law surrounding car accidents has not changed in decades; however, the laws surrounding foreclosures changes all the time. Foreclosure cases that were handled five years ago must be handled much differently now. You want to ensure that you are working with an attorney who keeps up with these changing laws, as they are very relevant to your case. If you work with a lawyer who is not familiar with these laws, it will pose serious problems for your defense and you could end up losing your home.

Are You Licensed to Practice?

You may think that if you are speaking to a foreclosure defense lawyer, they are surely licensed to practice in the state. This is a mistake. Some lawyers have viewed the foreclosure crisis as an opportunity to bring in more business, even though they cannot legally practice law in the state. These lawyers may be able to negotiate with lenders for you but, if your case ends up in court, which many do, you could find yourself in a great deal of trouble. You will have to find a new lawyer and by that point, you may be running out of time in your case. At Ascent Law, we only have Utah licensed attorneys working as lawyers on your case.

What Approach Do You Use When Defending a Foreclosure Case?

There is more than one approach that can be used when defending a foreclosure. You can fight to stay in your home and obtain a loan modification, you can file for bankruptcy, or you can present your lender with the idea of a short sale. These are just a few options you have if a lender starts foreclosure proceedings against you. A lawyer may suggest all of these, or they may only suggest one. You want to ensure that a lawyer will present you with many different options, even if they make a recommendation for one in particular. If you end up working with an attorney who treats all foreclosures the same, that approach may not be the right one for your case and you could find yourself in a bigger mess than when you began, such as if you filed for bankruptcy when you did not have to.

How Often Will You Update Me About My Case?

It is a huge relief to hand your case over to an experienced attorney and know that they will take care of all the details associated with it. However, any attorney should still keep you up to date on the status of your case and any changes with it as soon as they occur. One of the most common complaints against lawyers is that they take a case and then the client rarely hears from them. When they do get an update on their case or have a question, they only communicate is with a paralegal or an associate. While lawyers need these professionals to help them with cases, you should still mainly be working and communicating with the attorney you spoke with during your free consultation. If you are not, your case may not be getting the attention it deserves.

Provo Utah Foreclosure Attorney

When you need a foreclosure lawyer in Provo Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

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Hotel Ownership Lawyer

Aircraft Law

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The post Foreclosure Lawyer Provo Utah first appeared on Michael Anderson.

Source: https://www.ascentlawfirm.com/foreclosure-lawyer-provo-utah/

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Foreclosure Lawyer Provo Utah

Provo is the third-largest city in Utah, United States. It is 43 miles (69 km) south of Salt Lake City along the Wasatch Front. Provo is the largest city and county seat of Utah County. It is home to Brigham Young University, and Sundance Resort is located just northeast of the city. While Father Silvestre Vélez de Escalante, a Spanish Franciscan missionary-explorer, is considered the first European visitor to the area that would become Provo, the first permanent settlement was established in 1849 as Fort Utah. The name was changed to “Provo” in 1850, in honor of Étienne Provost, an early French-Canadian trapper. Provo’s climate lies in the transition zone between a humid subtropical climate and humid continental climate, with high temperatures averaging between about 94 °F or 34.4 °C in the summer and 40 °F or 4.4 °C in the winter. Average annual precipitation (rain and snow) is just less than 20 inches (51 cm). The population of Provo has grown from 2030 in 1860 to an estimated 116,702 in 2018. The 2010 census showed slightly more females than males, with over 55% of the population living as couples, and almost 35% of households having children under the age of 18. The population is over 90% Christian, with almost 89% being Latter Day Saints.

The economy in Provo is powered by many different businesses and organizations, including over 100 restaurants, two shopping malls, multiple universities and colleges, a number of small companies, and several large international businesses. Utah Valley Hospital is a Level II Trauma Center, and has several campuses of medical professionals surrounding it. America’s Freedom Festival at Provo, held every May through July, is one of the largest Independence Day celebrations in the United States. Several cultural points of interest in the city include the Covey Center for the Arts, the LDS Missionary Training Center, and the Provo City Library at Academy Square. Provo contains two LDS temples: Provo Utah Temple and Provo City Center Temple, the latter being restored from the ruins of the Provo Tabernacle. The Utah Valley Convention Center is also located in downtown Provo. There are several museums located on the campus of Brigham Young University. Natural features include Bridal Veil Falls, Provo River, Utah Lake and Uinta-Wasatch-Cache National Forest. Timpanogos Cave National Monument is located several miles north of Provo. A number of national historic landmarks are located within Provo, including the Reed O. Smoot House. Provo is served by Utah Transit Authority, operator of the FrontRunner commuter rail and a bus service connected to the rest of the Wasatch Front. Amtrak stops at Provo station, providing daily access to its California Zephyr service. Interstate 15, U.S. 89 and U.S. 189 provide major road service to Provo. Air transportation is available at Utah’s second busiest airport, Provo Municipal Airport.

How Can a Lawyer Stop a Foreclosure

The idea of losing your home to foreclosure is terrifying. A lawyer’s expertise can provide you peace of mind throughout the stressful process — but coming up with the funds for a lawyer when you are struggling to keep your home is often a challenge. You may wonder if it is really worth the cost. In some cases, a lawyer may be able to stop foreclosure, or at least buy you more time. Even if you can’t keep the home, a lawyer might be able to help you escape the liability associated with foreclosure. Reviewing Your Loan Documents

A lawyer can review your loan and address any unfair or predatory lending practices. For instance, a lender may improperly file a foreclosure or make errors in the loan documents at closing. According to the federal Truth in Lending Act, even a slight mistake in calculating your annual percentage rate could result in a violation of the act, giving you the right to rescind the loan. Rescinding basically allows you to cancel the loan. Advocating on Your Behalf A real estate lawyer is an expert on state foreclosure laws. The lawyer can explain your rights, the process, and any available prevention methods. Your lawyer can also negotiate directly with the bank on your behalf to reach a solution outside of court. Possible options include a loan modification, short sale, or deed in lieu of foreclosure. Having a lawyer fighting on your side improves your chances of having effective communication with the bank. You’re less likely to get lost in the shuffle or thrown on the back burner. Filing a Legal Response If you are in a state that requires judicial foreclosures, the lender must file a lawsuit against you to foreclose. Once you are served with papers, you have a certain number of days to respond. The legal terminology is often overwhelming. A lawyer can explain the paperwork and file your answer to the complaint with an appropriate defense. The lawyer may even file a counter claim, counter-suing the lender for violations of the law. Filing Bankruptcy Bankruptcy can temporarily stop a foreclosure. It is always best to consult a lawyer if you are considering bankruptcy. Chapter 7 bankruptcy is the form of bankruptcy used to wipe the slate clean. Filing automatically stops the foreclosure clock. You can’t keep the home permanently, but your liability is released. In Chapter 13 bankruptcy, debt is restructured to make your payments more affordable. If you can afford to resume making your normal mortgage payment, the arrears may be reduced. Debt must be paid to the trustee through a monthly repayment plan. Bankruptcy is complicated and certain eligibility requirements must be met. The attorney can guide you through the process and paperwork. If you are considering bankruptcy, it can be used as a defense in your foreclosure response. Last Minute Strategies to Stop Foreclosure If you’re facing foreclosure, you might be able to stop the process by filing for bankruptcy, applying for a loan modification, or filing a lawsuit. If you’ve fallen behind on your mortgage payments and a foreclosure sale is looming in the very near future, you might still be able to save your home. You can potentially file bankruptcy, apply for a loan modification or other workout option, or file suit against the foreclosing party (the “bank”) to possibly stop the foreclosure entirely, or at least delay the process. File for Bankruptcy to Stop the Foreclosure If the foreclosure sale is scheduled to occur in the next few days, you can halt the sale immediately by filing for bankruptcy. The automatic stay will stop the foreclosure in its tracks. Once you file for bankruptcy, something called an “automatic stay” immediately goes into effect. The stay functions as an injunction prohibiting the bank from foreclosing on your home or otherwise trying to collect its debt. This means that any foreclosure activity must be halted during the bankruptcy process. The bank may file a motion for relief from the stay. The bank might attempt to have the stay lifted by filing a motion seeking permission from the court to continue with the foreclosure. Even if the bankruptcy court grants this motion and allows the foreclosure to proceed, the foreclosure will be delayed at least a month or two. This should provide you with time to explore alternatives to foreclosure with your bank.

Chapter 13 Bankruptcy vs. Chapter 7 Bankruptcy

If you want to keep your home, a Chapter 13 bankruptcy might help you accomplish this goal. But if you’re simply trying to buy some time by stalling the foreclosure, a Chapter 7 bankruptcy might be right for you. Benefits of a Chapter 13 bankruptcy A Chapter 13 bankruptcy can help you keep your home by restructuring your debts. You will repay debts—some in part and some in full—over a period of three to five years as part of a repayment plan. You might be able to avoid foreclosure and remain in your home with this type of bankruptcy because you can repay any delinquent mortgage payments through the plan. Also, you will likely pay a fraction (or sometimes, none) of your unsecured debts during the plan period and possibly eliminate certain other debts—like underwater second and third mortgages because they’re considered unsecured loans—entirely when you complete your plan, freeing up money for your first mortgage. Even if you can’t complete the plan, filing for Chapter 13 bankruptcy will give you at least several months before a foreclosure can be completed.

Benefits of a Chapter 7 bankruptcy

If you’re already in foreclosure, filing Chapter 7 bankruptcy isn’t usually a good way to save your home, but it will delay the foreclosure proceedings and provide you with time to live in the home without making payments. You can put this money towards saving up for a rental. You can also use this time to try to work with the bank to come up with a way to avoid foreclosure. And, even if you still go through a foreclosure, the Chapter 7 bankruptcy will eliminate your personal liability for the mortgage debt, which means you won’t be liable for any deficiency remaining after the foreclosure.

Apply for a Loan Modification

While you don’t want to wait until the last minute with this option, you might be able delay a foreclosure by applying for a loan modification, or another foreclosure avoidance option, because the bank could be restricted from dual tracking. Dual tracking is when the bank proceeds with the foreclosure while a loss mitigation application is pending. Ultimately, if your modification application is approved, the foreclosure will be permanently stopped so long as you keep up with the modified payments. Federal Rules Restrict Dual Tracking Under federal law, if a complete loss mitigation application is received more than 37 days before a foreclosure sale, the servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until: • the servicer informs the borrower that the borrower is not eligible for any loss mitigation option (and any appeal has been exhausted) • the borrower rejects all loss mitigation offers, or • the borrower fails to comply with the terms of a loss mitigation option such as a trial modification. Be aware that the servicer generally doesn’t have to review more than one loss mitigation application from you. But if you bring the loan current after submitting an application, the servicer must consider it.

File a Lawsuit to Stop the Foreclosure

If your bank is using a non-judicial process to foreclose—where the foreclosure is completed outside of the court system—then you might be able to delay or stop the foreclosure by filing a lawsuit against the bank to challenge the foreclosure. This tactic normally won’t work if the foreclosure is judicial because by the time of a foreclosure sale, you’ve already had your opportunity to be heard in court. To prevail in your lawsuit against your bank, you’ll need to prove to the satisfaction of the court that the foreclosure should not take place because, for example, the foreclosing bank: • can’t prove it owns the promissory note • didn’t act in compliance with state mediation requirements • violated the state’s Homeowner Bill of Rights • didn’t follow all of the required steps in the foreclosure process (as determined by state law), or • made some other grievous error. The downside to suing your bank is that if you’re unable to prove your case, this will only delay the foreclosure process. Lawsuits can be expensive and, if you have no reasonable basis for your claims, you could get stuck paying the bank’s court costs and attorneys’ fees. If you’re facing an imminent foreclosure sale and considering any of the options discussed in this article, it is strongly recommended that you consult with a local foreclosure attorney or bankruptcy attorney immediately. To get information about different loss mitigation options, you should also consider talking to a HUD-approved housing counselor. Important Questions To Ask A Foreclosure Defense Lawyer To determine which foreclosure defense attorney is a good fit for your case, you will need to ask them several questions. The most important of these, and the answers you should be looking for, are listed below. How Many Foreclosure Cases Have You Litigated in Court? Utah is a judicial foreclosure state, meaning that in order to foreclose, a lender must file a lawsuit against the borrower and take them to court. It is important to ask if a foreclosure defense lawyer has been in court and litigated against the big mortgage companies. Filing a bankruptcy case is not the same thing as litigating in court, and you want to make sure that your attorney has the experience necessary to give you the best chance possible in the event that you have to defend your case in court. Is Litigation the Best Defense for Foreclosure? Although you want to make sure that your lawyer has experience litigating foreclosure cases in court, it is just as important to understand that this may not be the best route for you. If you are a victim of fraud or illegitimate fees and charges, you probably will have to go through litigation. On the other hand, if there is a better option for you, such as filing for bankruptcy, you want to work with a lawyer who will advise you of this option.

How Often Do You Attend Classes and Seminars Regarding Foreclosures? The law surrounding car accidents has not changed in decades; however, the laws surrounding foreclosures changes all the time. Foreclosure cases that were handled five years ago must be handled much differently now. You want to ensure that you are working with an attorney who keeps up with these changing laws, as they are very relevant to your case. If you work with a lawyer who is not familiar with these laws, it will pose serious problems for your defense and you could end up losing your home.

Are You Licensed to Practice?

You may think that if you are speaking to a foreclosure defense lawyer, they are surely licensed to practice in the state. This is a mistake. Some lawyers have viewed the foreclosure crisis as an opportunity to bring in more business, even though they cannot legally practice law in the state. These lawyers may be able to negotiate with lenders for you but, if your case ends up in court, which many do, you could find yourself in a great deal of trouble. You will have to find a new lawyer and by that point, you may be running out of time in your case. At Ascent Law, we only have Utah licensed attorneys working as lawyers on your case.

What Approach Do You Use When Defending a Foreclosure Case?

There is more than one approach that can be used when defending a foreclosure. You can fight to stay in your home and obtain a loan modification, you can file for bankruptcy, or you can present your lender with the idea of a short sale. These are just a few options you have if a lender starts foreclosure proceedings against you. A lawyer may suggest all of these, or they may only suggest one. You want to ensure that a lawyer will present you with many different options, even if they make a recommendation for one in particular. If you end up working with an attorney who treats all foreclosures the same, that approach may not be the right one for your case and you could find yourself in a bigger mess than when you began, such as if you filed for bankruptcy when you did not have to.

How Often Will You Update Me About My Case?

It is a huge relief to hand your case over to an experienced attorney and know that they will take care of all the details associated with it. However, any attorney should still keep you up to date on the status of your case and any changes with it as soon as they occur. One of the most common complaints against lawyers is that they take a case and then the client rarely hears from them. When they do get an update on their case or have a question, they only communicate is with a paralegal or an associate. While lawyers need these professionals to help them with cases, you should still mainly be working and communicating with the attorney you spoke with during your free consultation. If you are not, your case may not be getting the attention it deserves.

Provo Utah Foreclosure Attorney

When you need a foreclosure lawyer in Provo Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Personal Bankruptcy

Hotel Ownership Lawyer

Aircraft Law

Pooled Trusts

Bidding On Contracts

Private Party Transfers And Gun Show Purchases

The post Foreclosure Lawyer Provo Utah first appeared on Michael Anderson.

from https://www.ascentlawfirm.com/foreclosure-lawyer-provo-utah/

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Foreclosure Lawyer Provo Utah

Provo is the third-largest city in Utah, United States. It is 43 miles (69 km) south of Salt Lake City along the Wasatch Front. Provo is the largest city and county seat of Utah County. It is home to Brigham Young University, and Sundance Resort is located just northeast of the city. While Father Silvestre Vélez de Escalante, a Spanish Franciscan missionary-explorer, is considered the first European visitor to the area that would become Provo, the first permanent settlement was established in 1849 as Fort Utah. The name was changed to “Provo” in 1850, in honor of Étienne Provost, an early French-Canadian trapper. Provo’s climate lies in the transition zone between a humid subtropical climate and humid continental climate, with high temperatures averaging between about 94 °F or 34.4 °C in the summer and 40 °F or 4.4 °C in the winter. Average annual precipitation (rain and snow) is just less than 20 inches (51 cm). The population of Provo has grown from 2030 in 1860 to an estimated 116,702 in 2018. The 2010 census showed slightly more females than males, with over 55% of the population living as couples, and almost 35% of households having children under the age of 18. The population is over 90% Christian, with almost 89% being Latter Day Saints.

The economy in Provo is powered by many different businesses and organizations, including over 100 restaurants, two shopping malls, multiple universities and colleges, a number of small companies, and several large international businesses. Utah Valley Hospital is a Level II Trauma Center, and has several campuses of medical professionals surrounding it. America’s Freedom Festival at Provo, held every May through July, is one of the largest Independence Day celebrations in the United States. Several cultural points of interest in the city include the Covey Center for the Arts, the LDS Missionary Training Center, and the Provo City Library at Academy Square. Provo contains two LDS temples: Provo Utah Temple and Provo City Center Temple, the latter being restored from the ruins of the Provo Tabernacle. The Utah Valley Convention Center is also located in downtown Provo. There are several museums located on the campus of Brigham Young University. Natural features include Bridal Veil Falls, Provo River, Utah Lake and Uinta-Wasatch-Cache National Forest. Timpanogos Cave National Monument is located several miles north of Provo. A number of national historic landmarks are located within Provo, including the Reed O. Smoot House. Provo is served by Utah Transit Authority, operator of the FrontRunner commuter rail and a bus service connected to the rest of the Wasatch Front. Amtrak stops at Provo station, providing daily access to its California Zephyr service. Interstate 15, U.S. 89 and U.S. 189 provide major road service to Provo. Air transportation is available at Utah’s second busiest airport, Provo Municipal Airport.

How Can a Lawyer Stop a Foreclosure

The idea of losing your home to foreclosure is terrifying. A lawyer’s expertise can provide you peace of mind throughout the stressful process — but coming up with the funds for a lawyer when you are struggling to keep your home is often a challenge. You may wonder if it is really worth the cost. In some cases, a lawyer may be able to stop foreclosure, or at least buy you more time. Even if you can’t keep the home, a lawyer might be able to help you escape the liability associated with foreclosure. Reviewing Your Loan Documents

A lawyer can review your loan and address any unfair or predatory lending practices. For instance, a lender may improperly file a foreclosure or make errors in the loan documents at closing. According to the federal Truth in Lending Act, even a slight mistake in calculating your annual percentage rate could result in a violation of the act, giving you the right to rescind the loan. Rescinding basically allows you to cancel the loan. Advocating on Your Behalf A real estate lawyer is an expert on state foreclosure laws. The lawyer can explain your rights, the process, and any available prevention methods. Your lawyer can also negotiate directly with the bank on your behalf to reach a solution outside of court. Possible options include a loan modification, short sale, or deed in lieu of foreclosure. Having a lawyer fighting on your side improves your chances of having effective communication with the bank. You’re less likely to get lost in the shuffle or thrown on the back burner. Filing a Legal Response If you are in a state that requires judicial foreclosures, the lender must file a lawsuit against you to foreclose. Once you are served with papers, you have a certain number of days to respond. The legal terminology is often overwhelming. A lawyer can explain the paperwork and file your answer to the complaint with an appropriate defense. The lawyer may even file a counter claim, counter-suing the lender for violations of the law. Filing Bankruptcy Bankruptcy can temporarily stop a foreclosure. It is always best to consult a lawyer if you are considering bankruptcy. Chapter 7 bankruptcy is the form of bankruptcy used to wipe the slate clean. Filing automatically stops the foreclosure clock. You can’t keep the home permanently, but your liability is released. In Chapter 13 bankruptcy, debt is restructured to make your payments more affordable. If you can afford to resume making your normal mortgage payment, the arrears may be reduced. Debt must be paid to the trustee through a monthly repayment plan. Bankruptcy is complicated and certain eligibility requirements must be met. The attorney can guide you through the process and paperwork. If you are considering bankruptcy, it can be used as a defense in your foreclosure response. Last Minute Strategies to Stop Foreclosure If you’re facing foreclosure, you might be able to stop the process by filing for bankruptcy, applying for a loan modification, or filing a lawsuit. If you’ve fallen behind on your mortgage payments and a foreclosure sale is looming in the very near future, you might still be able to save your home. You can potentially file bankruptcy, apply for a loan modification or other workout option, or file suit against the foreclosing party (the “bank”) to possibly stop the foreclosure entirely, or at least delay the process. File for Bankruptcy to Stop the Foreclosure If the foreclosure sale is scheduled to occur in the next few days, you can halt the sale immediately by filing for bankruptcy. The automatic stay will stop the foreclosure in its tracks. Once you file for bankruptcy, something called an “automatic stay” immediately goes into effect. The stay functions as an injunction prohibiting the bank from foreclosing on your home or otherwise trying to collect its debt. This means that any foreclosure activity must be halted during the bankruptcy process. The bank may file a motion for relief from the stay. The bank might attempt to have the stay lifted by filing a motion seeking permission from the court to continue with the foreclosure. Even if the bankruptcy court grants this motion and allows the foreclosure to proceed, the foreclosure will be delayed at least a month or two. This should provide you with time to explore alternatives to foreclosure with your bank.

Chapter 13 Bankruptcy vs. Chapter 7 Bankruptcy

If you want to keep your home, a Chapter 13 bankruptcy might help you accomplish this goal. But if you’re simply trying to buy some time by stalling the foreclosure, a Chapter 7 bankruptcy might be right for you. Benefits of a Chapter 13 bankruptcy A Chapter 13 bankruptcy can help you keep your home by restructuring your debts. You will repay debts—some in part and some in full—over a period of three to five years as part of a repayment plan. You might be able to avoid foreclosure and remain in your home with this type of bankruptcy because you can repay any delinquent mortgage payments through the plan. Also, you will likely pay a fraction (or sometimes, none) of your unsecured debts during the plan period and possibly eliminate certain other debts—like underwater second and third mortgages because they’re considered unsecured loans—entirely when you complete your plan, freeing up money for your first mortgage. Even if you can’t complete the plan, filing for Chapter 13 bankruptcy will give you at least several months before a foreclosure can be completed.

Benefits of a Chapter 7 bankruptcy

If you’re already in foreclosure, filing Chapter 7 bankruptcy isn’t usually a good way to save your home, but it will delay the foreclosure proceedings and provide you with time to live in the home without making payments. You can put this money towards saving up for a rental. You can also use this time to try to work with the bank to come up with a way to avoid foreclosure. And, even if you still go through a foreclosure, the Chapter 7 bankruptcy will eliminate your personal liability for the mortgage debt, which means you won’t be liable for any deficiency remaining after the foreclosure.

Apply for a Loan Modification

While you don’t want to wait until the last minute with this option, you might be able delay a foreclosure by applying for a loan modification, or another foreclosure avoidance option, because the bank could be restricted from dual tracking. Dual tracking is when the bank proceeds with the foreclosure while a loss mitigation application is pending. Ultimately, if your modification application is approved, the foreclosure will be permanently stopped so long as you keep up with the modified payments. Federal Rules Restrict Dual Tracking Under federal law, if a complete loss mitigation application is received more than 37 days before a foreclosure sale, the servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until: • the servicer informs the borrower that the borrower is not eligible for any loss mitigation option (and any appeal has been exhausted) • the borrower rejects all loss mitigation offers, or • the borrower fails to comply with the terms of a loss mitigation option such as a trial modification. Be aware that the servicer generally doesn’t have to review more than one loss mitigation application from you. But if you bring the loan current after submitting an application, the servicer must consider it.

File a Lawsuit to Stop the Foreclosure

If your bank is using a non-judicial process to foreclose—where the foreclosure is completed outside of the court system—then you might be able to delay or stop the foreclosure by filing a lawsuit against the bank to challenge the foreclosure. This tactic normally won’t work if the foreclosure is judicial because by the time of a foreclosure sale, you’ve already had your opportunity to be heard in court. To prevail in your lawsuit against your bank, you’ll need to prove to the satisfaction of the court that the foreclosure should not take place because, for example, the foreclosing bank: • can’t prove it owns the promissory note • didn’t act in compliance with state mediation requirements • violated the state’s Homeowner Bill of Rights • didn’t follow all of the required steps in the foreclosure process (as determined by state law), or • made some other grievous error. The downside to suing your bank is that if you’re unable to prove your case, this will only delay the foreclosure process. Lawsuits can be expensive and, if you have no reasonable basis for your claims, you could get stuck paying the bank’s court costs and attorneys’ fees.

If you’re facing an imminent foreclosure sale and considering any of the options discussed in this article, it is strongly recommended that you consult with a local foreclosure attorney or bankruptcy attorney immediately. To get information about different loss mitigation options, you should also consider talking to a HUD-approved housing counselor. Important Questions To Ask A Foreclosure Defense Lawyer To determine which foreclosure defense attorney is a good fit for your case, you will need to ask them several questions. The most important of these, and the answers you should be looking for, are listed below. How Many Foreclosure Cases Have You Litigated in Court? Utah is a judicial foreclosure state, meaning that in order to foreclose, a lender must file a lawsuit against the borrower and take them to court. It is important to ask if a foreclosure defense lawyer has been in court and litigated against the big mortgage companies. Filing a bankruptcy case is not the same thing as litigating in court, and you want to make sure that your attorney has the experience necessary to give you the best chance possible in the event that you have to defend your case in court. Is Litigation the Best Defense for Foreclosure? Although you want to make sure that your lawyer has experience litigating foreclosure cases in court, it is just as important to understand that this may not be the best route for you. If you are a victim of fraud or illegitimate fees and charges, you probably will have to go through litigation. On the other hand, if there is a better option for you, such as filing for bankruptcy, you want to work with a lawyer who will advise you of this option.

How Often Do You Attend Classes and Seminars Regarding Foreclosures? The law surrounding car accidents has not changed in decades; however, the laws surrounding foreclosures changes all the time. Foreclosure cases that were handled five years ago must be handled much differently now. You want to ensure that you are working with an attorney who keeps up with these changing laws, as they are very relevant to your case. If you work with a lawyer who is not familiar with these laws, it will pose serious problems for your defense and you could end up losing your home.

Are You Licensed to Practice?

You may think that if you are speaking to a foreclosure defense lawyer, they are surely licensed to practice in the state. This is a mistake. Some lawyers have viewed the foreclosure crisis as an opportunity to bring in more business, even though they cannot legally practice law in the state. These lawyers may be able to negotiate with lenders for you but, if your case ends up in court, which many do, you could find yourself in a great deal of trouble. You will have to find a new lawyer and by that point, you may be running out of time in your case. At Ascent Law, we only have Utah licensed attorneys working as lawyers on your case.

What Approach Do You Use When Defending a Foreclosure Case?

There is more than one approach that can be used when defending a foreclosure. You can fight to stay in your home and obtain a loan modification, you can file for bankruptcy, or you can present your lender with the idea of a short sale. These are just a few options you have if a lender starts foreclosure proceedings against you. A lawyer may suggest all of these, or they may only suggest one. You want to ensure that a lawyer will present you with many different options, even if they make a recommendation for one in particular. If you end up working with an attorney who treats all foreclosures the same, that approach may not be the right one for your case and you could find yourself in a bigger mess than when you began, such as if you filed for bankruptcy when you did not have to.

How Often Will You Update Me About My Case?

It is a huge relief to hand your case over to an experienced attorney and know that they will take care of all the details associated with it. However, any attorney should still keep you up to date on the status of your case and any changes with it as soon as they occur. One of the most common complaints against lawyers is that they take a case and then the client rarely hears from them. When they do get an update on their case or have a question, they only communicate is with a paralegal or an associate. While lawyers need these professionals to help them with cases, you should still mainly be working and communicating with the attorney you spoke with during your free consultation. If you are not, your case may not be getting the attention it deserves.

Provo Utah Foreclosure Attorney

When you need a foreclosure lawyer in Provo Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Personal Bankruptcy

Hotel Ownership Lawyer

Aircraft Law

Pooled Trusts

Bidding On Contracts

Private Party Transfers And Gun Show Purchases

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The post Foreclosure Lawyer Provo Utah first appeared on Michael Anderson.

Source: https://www.ascentlawfirm.com/foreclosure-lawyer-provo-utah/

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Foreclosure Lawyer Provo Utah

Provo is the third-largest city in Utah, United States. It is 43 miles (69 km) south of Salt Lake City along the Wasatch Front. Provo is the largest city and county seat of Utah County. It is home to Brigham Young University, and Sundance Resort is located just northeast of the city. While Father Silvestre Vélez de Escalante, a Spanish Franciscan missionary-explorer, is considered the first European visitor to the area that would become Provo, the first permanent settlement was established in 1849 as Fort Utah. The name was changed to “Provo” in 1850, in honor of Étienne Provost, an early French-Canadian trapper. Provo’s climate lies in the transition zone between a humid subtropical climate and humid continental climate, with high temperatures averaging between about 94 °F or 34.4 °C in the summer and 40 °F or 4.4 °C in the winter. Average annual precipitation (rain and snow) is just less than 20 inches (51 cm). The population of Provo has grown from 2030 in 1860 to an estimated 116,702 in 2018. The 2010 census showed slightly more females than males, with over 55% of the population living as couples, and almost 35% of households having children under the age of 18. The population is over 90% Christian, with almost 89% being Latter Day Saints.

The economy in Provo is powered by many different businesses and organizations, including over 100 restaurants, two shopping malls, multiple universities and colleges, a number of small companies, and several large international businesses. Utah Valley Hospital is a Level II Trauma Center, and has several campuses of medical professionals surrounding it. America’s Freedom Festival at Provo, held every May through July, is one of the largest Independence Day celebrations in the United States. Several cultural points of interest in the city include the Covey Center for the Arts, the LDS Missionary Training Center, and the Provo City Library at Academy Square. Provo contains two LDS temples: Provo Utah Temple and Provo City Center Temple, the latter being restored from the ruins of the Provo Tabernacle. The Utah Valley Convention Center is also located in downtown Provo. There are several museums located on the campus of Brigham Young University. Natural features include Bridal Veil Falls, Provo River, Utah Lake and Uinta-Wasatch-Cache National Forest. Timpanogos Cave National Monument is located several miles north of Provo. A number of national historic landmarks are located within Provo, including the Reed O. Smoot House. Provo is served by Utah Transit Authority, operator of the FrontRunner commuter rail and a bus service connected to the rest of the Wasatch Front. Amtrak stops at Provo station, providing daily access to its California Zephyr service. Interstate 15, U.S. 89 and U.S. 189 provide major road service to Provo. Air transportation is available at Utah’s second busiest airport, Provo Municipal Airport.

How Can a Lawyer Stop a Foreclosure

The idea of losing your home to foreclosure is terrifying. A lawyer’s expertise can provide you peace of mind throughout the stressful process — but coming up with the funds for a lawyer when you are struggling to keep your home is often a challenge. You may wonder if it is really worth the cost. In some cases, a lawyer may be able to stop foreclosure, or at least buy you more time. Even if you can’t keep the home, a lawyer might be able to help you escape the liability associated with foreclosure. Reviewing Your Loan Documents

A lawyer can review your loan and address any unfair or predatory lending practices. For instance, a lender may improperly file a foreclosure or make errors in the loan documents at closing. According to the federal Truth in Lending Act, even a slight mistake in calculating your annual percentage rate could result in a violation of the act, giving you the right to rescind the loan. Rescinding basically allows you to cancel the loan. Advocating on Your Behalf A real estate lawyer is an expert on state foreclosure laws. The lawyer can explain your rights, the process, and any available prevention methods. Your lawyer can also negotiate directly with the bank on your behalf to reach a solution outside of court. Possible options include a loan modification, short sale, or deed in lieu of foreclosure. Having a lawyer fighting on your side improves your chances of having effective communication with the bank. You’re less likely to get lost in the shuffle or thrown on the back burner. Filing a Legal Response If you are in a state that requires judicial foreclosures, the lender must file a lawsuit against you to foreclose. Once you are served with papers, you have a certain number of days to respond. The legal terminology is often overwhelming. A lawyer can explain the paperwork and file your answer to the complaint with an appropriate defense. The lawyer may even file a counter claim, counter-suing the lender for violations of the law. Filing Bankruptcy Bankruptcy can temporarily stop a foreclosure. It is always best to consult a lawyer if you are considering bankruptcy. Chapter 7 bankruptcy is the form of bankruptcy used to wipe the slate clean. Filing automatically stops the foreclosure clock. You can’t keep the home permanently, but your liability is released. In Chapter 13 bankruptcy, debt is restructured to make your payments more affordable. If you can afford to resume making your normal mortgage payment, the arrears may be reduced. Debt must be paid to the trustee through a monthly repayment plan. Bankruptcy is complicated and certain eligibility requirements must be met. The attorney can guide you through the process and paperwork. If you are considering bankruptcy, it can be used as a defense in your foreclosure response. Last Minute Strategies to Stop Foreclosure If you’re facing foreclosure, you might be able to stop the process by filing for bankruptcy, applying for a loan modification, or filing a lawsuit. If you’ve fallen behind on your mortgage payments and a foreclosure sale is looming in the very near future, you might still be able to save your home. You can potentially file bankruptcy, apply for a loan modification or other workout option, or file suit against the foreclosing party (the “bank”) to possibly stop the foreclosure entirely, or at least delay the process. File for Bankruptcy to Stop the Foreclosure If the foreclosure sale is scheduled to occur in the next few days, you can halt the sale immediately by filing for bankruptcy. The automatic stay will stop the foreclosure in its tracks. Once you file for bankruptcy, something called an “automatic stay” immediately goes into effect. The stay functions as an injunction prohibiting the bank from foreclosing on your home or otherwise trying to collect its debt. This means that any foreclosure activity must be halted during the bankruptcy process. The bank may file a motion for relief from the stay. The bank might attempt to have the stay lifted by filing a motion seeking permission from the court to continue with the foreclosure. Even if the bankruptcy court grants this motion and allows the foreclosure to proceed, the foreclosure will be delayed at least a month or two. This should provide you with time to explore alternatives to foreclosure with your bank.

Chapter 13 Bankruptcy vs. Chapter 7 Bankruptcy

If you want to keep your home, a Chapter 13 bankruptcy might help you accomplish this goal. But if you’re simply trying to buy some time by stalling the foreclosure, a Chapter 7 bankruptcy might be right for you. Benefits of a Chapter 13 bankruptcy A Chapter 13 bankruptcy can help you keep your home by restructuring your debts. You will repay debts—some in part and some in full—over a period of three to five years as part of a repayment plan. You might be able to avoid foreclosure and remain in your home with this type of bankruptcy because you can repay any delinquent mortgage payments through the plan. Also, you will likely pay a fraction (or sometimes, none) of your unsecured debts during the plan period and possibly eliminate certain other debts—like underwater second and third mortgages because they’re considered unsecured loans—entirely when you complete your plan, freeing up money for your first mortgage. Even if you can’t complete the plan, filing for Chapter 13 bankruptcy will give you at least several months before a foreclosure can be completed.

Benefits of a Chapter 7 bankruptcy

If you’re already in foreclosure, filing Chapter 7 bankruptcy isn’t usually a good way to save your home, but it will delay the foreclosure proceedings and provide you with time to live in the home without making payments. You can put this money towards saving up for a rental. You can also use this time to try to work with the bank to come up with a way to avoid foreclosure. And, even if you still go through a foreclosure, the Chapter 7 bankruptcy will eliminate your personal liability for the mortgage debt, which means you won’t be liable for any deficiency remaining after the foreclosure.

Apply for a Loan Modification

While you don’t want to wait until the last minute with this option, you might be able delay a foreclosure by applying for a loan modification, or another foreclosure avoidance option, because the bank could be restricted from dual tracking. Dual tracking is when the bank proceeds with the foreclosure while a loss mitigation application is pending. Ultimately, if your modification application is approved, the foreclosure will be permanently stopped so long as you keep up with the modified payments. Federal Rules Restrict Dual Tracking Under federal law, if a complete loss mitigation application is received more than 37 days before a foreclosure sale, the servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until: • the servicer informs the borrower that the borrower is not eligible for any loss mitigation option (and any appeal has been exhausted) • the borrower rejects all loss mitigation offers, or • the borrower fails to comply with the terms of a loss mitigation option such as a trial modification. Be aware that the servicer generally doesn’t have to review more than one loss mitigation application from you. But if you bring the loan current after submitting an application, the servicer must consider it.

File a Lawsuit to Stop the Foreclosure

If your bank is using a non-judicial process to foreclose—where the foreclosure is completed outside of the court system—then you might be able to delay or stop the foreclosure by filing a lawsuit against the bank to challenge the foreclosure. This tactic normally won’t work if the foreclosure is judicial because by the time of a foreclosure sale, you’ve already had your opportunity to be heard in court. To prevail in your lawsuit against your bank, you’ll need to prove to the satisfaction of the court that the foreclosure should not take place because, for example, the foreclosing bank: • can’t prove it owns the promissory note • didn’t act in compliance with state mediation requirements • violated the state’s Homeowner Bill of Rights • didn’t follow all of the required steps in the foreclosure process (as determined by state law), or • made some other grievous error. The downside to suing your bank is that if you’re unable to prove your case, this will only delay the foreclosure process. Lawsuits can be expensive and, if you have no reasonable basis for your claims, you could get stuck paying the bank’s court costs and attorneys’ fees.

If you’re facing an imminent foreclosure sale and considering any of the options discussed in this article, it is strongly recommended that you consult with a local foreclosure attorney or bankruptcy attorney immediately. To get information about different loss mitigation options, you should also consider talking to a HUD-approved housing counselor. Important Questions To Ask A Foreclosure Defense Lawyer To determine which foreclosure defense attorney is a good fit for your case, you will need to ask them several questions. The most important of these, and the answers you should be looking for, are listed below. How Many Foreclosure Cases Have You Litigated in Court? Utah is a judicial foreclosure state, meaning that in order to foreclose, a lender must file a lawsuit against the borrower and take them to court. It is important to ask if a foreclosure defense lawyer has been in court and litigated against the big mortgage companies. Filing a bankruptcy case is not the same thing as litigating in court, and you want to make sure that your attorney has the experience necessary to give you the best chance possible in the event that you have to defend your case in court. Is Litigation the Best Defense for Foreclosure? Although you want to make sure that your lawyer has experience litigating foreclosure cases in court, it is just as important to understand that this may not be the best route for you. If you are a victim of fraud or illegitimate fees and charges, you probably will have to go through litigation. On the other hand, if there is a better option for you, such as filing for bankruptcy, you want to work with a lawyer who will advise you of this option.

How Often Do You Attend Classes and Seminars Regarding Foreclosures? The law surrounding car accidents has not changed in decades; however, the laws surrounding foreclosures changes all the time. Foreclosure cases that were handled five years ago must be handled much differently now. You want to ensure that you are working with an attorney who keeps up with these changing laws, as they are very relevant to your case. If you work with a lawyer who is not familiar with these laws, it will pose serious problems for your defense and you could end up losing your home.

Are You Licensed to Practice?

You may think that if you are speaking to a foreclosure defense lawyer, they are surely licensed to practice in the state. This is a mistake. Some lawyers have viewed the foreclosure crisis as an opportunity to bring in more business, even though they cannot legally practice law in the state. These lawyers may be able to negotiate with lenders for you but, if your case ends up in court, which many do, you could find yourself in a great deal of trouble. You will have to find a new lawyer and by that point, you may be running out of time in your case. At Ascent Law, we only have Utah licensed attorneys working as lawyers on your case.

What Approach Do You Use When Defending a Foreclosure Case?

There is more than one approach that can be used when defending a foreclosure. You can fight to stay in your home and obtain a loan modification, you can file for bankruptcy, or you can present your lender with the idea of a short sale. These are just a few options you have if a lender starts foreclosure proceedings against you. A lawyer may suggest all of these, or they may only suggest one. You want to ensure that a lawyer will present you with many different options, even if they make a recommendation for one in particular. If you end up working with an attorney who treats all foreclosures the same, that approach may not be the right one for your case and you could find yourself in a bigger mess than when you began, such as if you filed for bankruptcy when you did not have to.

How Often Will You Update Me About My Case?

It is a huge relief to hand your case over to an experienced attorney and know that they will take care of all the details associated with it. However, any attorney should still keep you up to date on the status of your case and any changes with it as soon as they occur. One of the most common complaints against lawyers is that they take a case and then the client rarely hears from them. When they do get an update on their case or have a question, they only communicate is with a paralegal or an associate. While lawyers need these professionals to help them with cases, you should still mainly be working and communicating with the attorney you spoke with during your free consultation. If you are not, your case may not be getting the attention it deserves.

Provo Utah Foreclosure Attorney

When you need a foreclosure lawyer in Provo Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

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