Malik Ahmad is a Nevada licensed attorney and counselor at law. He is admitted in all courts in the state of Nevada, including US District Court. He has an extensive experience in real estate, including mortgages, escrow, rela estate and foreclosure. He is a solo proprietor and the principal of a small firm in Las Vegas, Nevada
Archive for August, 2009
Aug
31
Getting To Maybe: How to Excel on Law School Exams
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Review
Finally a study aid that takes legal theory seriously….Students who master these lessons will surely write better exams. More importantly, they will also learn to be better lawyers. –Steven L. Winter, Brooklyn Law SchoolIf you can’t spot a ‘fork in the law’ or a ‘fork in the facts’ in an exam hypothetical, get this book. If you don’t know how to play ‘Czar of the Universe’ on law school exams (or why), get this book. And if you do want to learn how to think like a lawyer -…
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Aug
31
Why An Attorney Is Required For Loan Modification In Nevada?
Posted by: | CommentsWhy an Attorney Must For Loan Modification?
We all know it is very time consuming to talk or even to find the right person for a request for loan modification. We are constantly transferred from one line to another and of course to various countries during few minutes. Well, my experience in contacting the lenders has resulted many times in many frustrating experiences as well. However, when I told them that I am an attorney some of the non sense is washed away very quickly. Phones messages starts returning, letters being replied and they cut short the delaying tactics which are meant for almost all of the borrowers. I meet clients all day in reference to their loan modification needs. Here, is the summary of all the experiences what my clients had told me and my office staff in handling their own loan modification requests:
- We were transferred from one phone to another.
- We were transferred to a dead line.
- The average time of greetings last about 5 minutes, and each transferred calls is started again with greeting on the phone.
- You are advised to identify yourself each time.
- You are requested to send the same papers which you had faxed many times before.
- At each layer, the representative would ask you money.
- Each representative would give you same stale information, and invariably the first answer is “there is nothing we can do”.
- Lots of lenders would give you the run around, attorneys know how to stop this waste and cumbersome process.
- Once attorneys are invovled, the collection process stop the harassing calls. All calls are routed to the attorneys office. Furhtermore, only written requests can be made. All the annoying phone calls can be stopped.
- Attorneys can collect and compile all the papers and can start calling the lenders on your behalf.
Aug
31
Feldman Law Center – Bob the Homeowner versus Net Present Value
Posted by: | CommentsFeldman Law Center – News by Feldman Law Center — A little known aspect of the Obama Administration?s ?Making Home Affordable? plan is the ?Net Present Value? test which essentially determines whether a loan modification or a foreclosure and sale will provide a better return for the investors behind the mortgage in question. The calculation takes the proposed monthly payment in a home loan modification and multiplies it over the life of the loan (payment x 12 months x 30 years). If that total comes in above what a sale and foreclosure would yield, the calculation would favor a modification. If it falls short, the calculation would lean toward foreclosure and sale.
Foreclosures in many scenarios will favor the investors while a modification often works to the advantage of the servicer. For the investor, a foreclosure and subsequent sale may result in a loss of principle but money coming back to the investor can be re-invested in other vehicles which can provide yield and returns. The disadvantage for the servicers is that, without monthly payments from the property, they lose the fees they were able to charge the investor for handling the payments, billing, and communication with the homeowner. A loan modification, on the other hand, benefits the servicer by keeping the payment stream, and the fees they can charge on it, alive. The modification hurts the investor by forcing a mark to market valuation which reflects the loss on the mortgage (also known as a haircut) due to a lower interest rate and, if applicable, a reduction in principle.
Aug
31
Buy Legal Highs- Acquired from extraordinary plant species
Posted by: | Comments All drugs which come from natural resources are not always safe for your health point of view. A drug should be examined first and proven to be legal then only you should consume it. And generally the persons who are taking such a drug’s safety are also trying to get you to purchase it.
Innovative brains are constantly trying to build out approaches for folks to amend their state of mind despite draining your wallet. Thus the bottom line is to be very cautious what you put in your body in your pursuit to modify your state of perception and keep in mind that the most powerful ways to alter your consciousness come from within. Generally, buying legal highs are also referred to as legal substitutes to marijuana. In essence legal highs are legal herbs that are obtained from special varieties of plant species that can be either smoked or burned like incense to produce a sense of well being, and for some individuals suffering from euphoria or mild marijuana. Relatively, marijuana alternatives like buying legal herbs are less costly their illegal counterparts, and are pleasant to smell without any lethal odors.
Do not take if you have any health exceptions or are consuming any type of medications without consulting your healthcare professional. Also you should not take legal highs if you are pregnant or if you are nursing. Not proper effects are known on the infants. Though under the control of legal highs do not drive or operate any equipment. Legal highs can be obtained from a variety of natural sources. For example: Catnip an herb fed to cats that make them hyper. Dill, Hops: an ingredient in beer and sassafras are also herbs that many are familiar with. Legal herbs to cook include nutmeg, parsley, wild fennel and wild lettuce.
One can buy diverse strains of legal herbs which are accessible from online vendors for in very economic prices. These retailers offer legal herb varieties that are a powerful, gratifying alternative to tobacco products, and are accessible in special forms also, for instance buds, blends and smoking herbs.
All drugs which come from natural resources are not always safe for your health point of view. A drug should be examined first and proven to be legal then only you should consume it. And generally the persons who are taking such a drug’s safety are also trying to get you to purchase it.
Aug
31
What To Do When An Attorney Removes Themselves From A Case?
Posted by: | CommentsWhat is the client to do when an attorney withdraws their services from the case? How long do they have to find a replacement?
It is a civil case where custody is involved. Plaintiff’s Attorney removed themselves stating it caused her (the attorney) a financial hardship because their client wanted to deal directly with the defendent (child’s father) instead of going through her.
Aug
31
Revolutioniz: Harness The Hidden Laws Of The Universe.
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