April Charney is an American consumer advocate and consumer attorney who is best known for her service to the Jacksonville Area Legal Aid from 2004 until early 2012. [1] Charney has been at the forefront of the legal fight against illegal home foreclosures in America that use fraudulent practices [2] and has successfully argued a number of foreclosure defense legal strategies including produce the note and real party in interest arguments.
Charney was the legal aid attorney who brought national attention to illegal and fraudulent actions by banks in the foreclosure courts of Jacksonville by being accompanied by a reporter at one of the hearings, who saw, firsthand, what was occurring. [3] Published by Rolling Stone during November 2010, the Invasion of the Home Snatchers documented the practices used in the public court hearing. [4] The reporter also stated in his article that the judge intimidated a homeowner fighting foreclosure against talking to the reporter and, shortly thereafter, threatened Charney in an e-mail that, upon a recurrence, he would cite her with contempt for "bringing a stranger to his court".
A member of the National Association of Consumer Advocates and National Association of Consumer Bankruptcy Attorneys, Charney instructs fellow advocates and attorneys throughout the nation on foreclosure defense strategies and tactics to protect consumers. [5]
She asserts that few attorneys are well versed in the legal issues in such cases and that judges often are not familiar with the details of the bank strategies that have been developed under lax regulation during recent decades, which precipitated the economic crisis that began during the late-2000s. Charney has been a featured speaker during several "teach-in" sessions that seek to make knowledge of legal remedies for these cases more accessible to attorneys and the consumers they represent.
Earlier in her career, Charney helped low-income renters in Sarasota, Florida fight improper evictions. [2] Between 1991 and 2003 she practiced law in Sarasota with Gulfcoast Legal Services as a managing and staff attorney. Following that she 'commuted' to a second residence in Jacksonville for her work at Jacksonville Area Legal Aid.
Suffering from an acute, life-threatening illness in early 2012, Charney resigned from her position in Jacksonville. Upon release from the hospital, she relocated to her previous full-time residence for an extended recovery. Nonetheless, she continues her advocacy and educational activities around the country.
In 2012 Charney was one of two foreclosure experts featured by the Sarasota County Council of Neighborhood Associations, Inc. at a special event entitled, Foreclosure Mess 101, and in September 2013 she will be featured in Foreclosure Mess 101, an update by April Charney, which will be held by the same organization.
Predatory lending refers to unethical practices conducted by lending organizations during a loan origination process that are unfair, deceptive, or fraudulent. While there are no internationally agreed legal definitions for predatory lending, a 2006 audit report from the office of inspector general of the US Federal Deposit Insurance Corporation (FDIC) broadly defines predatory lending as "imposing unfair and abusive loan terms on borrowers", though "unfair" and "abusive" were not specifically defined. Though there are laws against some of the specific practices commonly identified as predatory, various federal agencies use the phrase as a catch-all term for many specific illegal activities in the loan industry. Predatory lending should not be confused with predatory mortgage servicing which is mortgage practices described by critics as unfair, deceptive, or fraudulent practices during the loan or mortgage servicing process, post loan origination.
The Illegal Immigration Reform and Immigrant Responsibility Act of 1996 made major changes to the Immigration and Nationality Act (INA). IIRIRA's changes became effective on April 1, 1997.
Maryanne Trump Barry was an American attorney and United States federal judge. She became an assistant United States attorney in 1974 and was first appointed to the United States District Court for the District of New Jersey by President Ronald Reagan in 1983. In 1999, she was appointed to the United States Court of Appeals for the Third Circuit by President Bill Clinton.
On September 5, 2006, Newsweek revealed that the general counsel of Hewlett-Packard, at the behest of HP chairwoman Patricia Dunn, had contracted a team of independent security experts to investigate board members and several journalists in order to identify the source of an information leak. In turn, those security experts recruited private investigators who used a spying technique known as pretexting. The pretexting involved investigators impersonating HP board members and nine journalists in order to obtain their phone records. The information leaked related to HP's long-term strategy and was published as part of a CNET article in January 2006. HP hired public relations firm Sitrick and Company to manage their media relations during the crisis.
Lori Swanson is an American lawyer and politician who served as the attorney general of Minnesota from 2007 to 2019. She was the first female attorney general elected in Minnesota. In 2018, she ran for Governor of Minnesota with running mate U.S. Representative Rick Nolan finishing in third place in the Democratic-Farmer-Labor primary.
Legal advertising is advertising by lawyers (attorneys), solicitors and law firms. Legal marketing is a broader term referring to advertising and other practices, including client relations, social media, and public relations. It's a type of marketing undertaken by law firms, lawyers (attorneys) and solicitors that aims to promote the services of law firms and increase their brand awareness.
Bet Tzedek is an American non-profit human and poverty rights organization based in Los Angeles, California.
Joshua Earl Patrick Phillips is an American who was convicted of murder as a child. In November 1998, when he was 14 years old, Phillips killed Maddie Clifton, his 8-year-old friend and neighbor. The following year, he was sentenced to life imprisonment without the possibility of parole. Phillips stated that he killed Clifton to stop her from crying after she was accidentally struck with a baseball while they were playing, and that he feared punishment from his abusive father. Although elements of Phillips's story are disputed, officials who were involved in his prosecution have subsequently expressed contrition over the severity of his sentence. In November 2017, Phillips was resentenced to life in prison.
The 2010 United States foreclosure crisis, sometimes referred to as Foreclosure-gate or Foreclosuregate, refers to a widespread epidemic of improper foreclosures initiated by large banks and other lenders. The foreclosure crisis was extensively covered by news outlets beginning in October 2010, and several large banks—including Bank of America, JP Morgan, Wells Fargo, and Citigroup—responded by halting their foreclosure proceedings temporarily in some or all states. The foreclosure crisis caused significant investor fear in the U.S. A 2014 study published in the American Journal of Public Health linked the foreclosure crisis to an increase in suicide rates.
Bottoms v. Bottoms, 457 S.E.2d 102, was a landmark child custody case in Virginia that awarded custody of the child to the grandmother instead of the mother, primarily because the mother was a lesbian. In April 1993, Kay Bottoms sued her daughter, Sharon Bottoms, for custody of Sharon Bottoms' son, Tyler Doustou. On April 5, 1993, Judge Buford Parsons ruled that Sharon Bottoms was an unfit parent and Kay Bottoms was awarded custody of her grandson. Sharon Bottoms was allowed visitation rights two days a week, but Tyler was not allowed in his mother's home or to have any contact with his mother's partner."
A mortgage servicer is a company to which some borrowers pay their mortgage loan payments and which performs other services in connection with mortgages and mortgage-backed securities. The mortgage servicer may be the entity that originated the mortgage, or it may have purchased the mortgage servicing rights from the original mortgage lender. The duties of a mortgage servicer vary, but typically include the acceptance and recording of mortgage payments; calculating variable interest rates on adjustable rate loans; payment of taxes and insurance from borrower escrow accounts; negotiations of workouts and modifications of mortgage upon default; and conducting or supervising the foreclosure process when necessary.
Diane Marie Hathaway is a former Justice of the Michigan Supreme Court. Hathaway, a Democrat, was elected on November 4, 2008, to an 8-year term which commenced in January 2009. Hathaway retired from the court effective January 21, 2013, after being charged with felony criminal mortgage fraud, to which Hathaway pleaded guilty on January 29, 2013, and was sentenced to a year in prison.
Robin A. Abbott is an American politician, consumer rights advocate, and attorney. A Democrat, she served in the Virginia House of Delegates 2010–2012, representing the 93rd district in Newport News and James City County on the Virginia Peninsula. She won the seat in the 2009 elections by defeating Republican incumbent Philip A. Hamilton; it was one of the two Democratic pickups that year.
Steven J. Baum, P.C., was a law firm headquartered in Amherst, New York, United States. It was founded as Marvin R. Baum, P.C. in 1972, and remained under that name until Marvin Baum's death in 1999, after which his son Steven inherited the business and renamed it after himself. Its practice was primarily in real estate law, particularly in representing lenders and servicers in residential foreclosure actions in its later years.
Occupy Homes or Occupy Our Homes is part of the Occupy movement which attempts to prevent the foreclosure of people's homes. Protesters delay foreclosures by camping out on the foreclosed property. They also stage protests at the banks responsible for the ongoing foreclosure crisis, sometimes blocking their entrances. It has been compared to the direct action taken by people to prevent home foreclosures during the Great Depression in the United States.
Shari B. Olefson is an American business attorney certified by the Florida bar in real estate, a Civil Circuit-Supreme Court Certified Mediator, television news expert, speaker, author, and advocate.
The Jacksonville Area Legal Aid, JALA, developed during the Great Depression and the recession of 1937 out of a group of attorneys who organized to provide pro bono legal services to those who could not afford the services. The Jacksonville Area Legal Aid was officially named in 1973, and received 501(c)(3) tax status in 1976. JALA is a mid-size law firm with over 50 lawyers and support staff who offer free legal services to low income clients in civil legal matters which include public benefits, employment/unemployment law, family law, landlord-tenant disputes, fair housing, guardianship, refugee and asylee immigration, foreclosure defense, and consumer law. JALA works with Florida Coastal School of Law and has supported accredited externships with the Florida State University.
John Michael Phillips is an American lawyer, consumer and civil rights advocate, and legal commentator. He is licensed to practice law in Florida, New York, Georgia, Alabama, Texas, Oklahoma, Illinois and Washington, DC. Phillips has been lead counsel in numerous nationally reported cases. He successfully represented Lucy McBath and Ron Davis after the shooting of Jordan Davis in Jacksonville, Florida. He prevailed as lead counsel for Omarosa Manigault Newman in litigation filed against her by Donald J. Trump for President, Inc. As a result, the Campaign was assessed Phillips’s legal fees and costs, totaling over $1.3 Million and agreed to invalidate all of the Campaign's NDAs. He also is lead counsel for Joseph Maldonado-Passage, also known as Joe Exotic, and is featured in four episodes of the second season of the Netflix show Tiger King.
Mobilization for Justice is a non-profit legal services and advocacy organization serving New York City. MFJ was founded in 1963 and became a model for using a holistic approach to community lawyering.
On February 1, 2008, American singer Britney Spears was involuntarily placed under a conservatorship by Judge Reva Goetz, with her father, James "Jamie" Spears, and attorney Andrew M. Wallet, as conservators. The conservatorship lasted until November 2021.