Black & LoBello Radio Shows

April 30, 2014 - Legal Hour on AM720 KDWN from April 30th, 2014 in which Managing Partner, Tisha Black Chernine, Esq., and Judge Diana Sullivan discuss Judge Sullivan’s experience with the Paiute Tribe (2:45), Judge Sullivan’s background (6:00)(23:30), Municipal vs Justice Court (8:30)(17:45), troublesome neighbors (12:15), guidelines for setting bail (15:00), Intermediate Appellate Court (18:30), Pro se legal representation (25:15) and being recused from judging certain cases (29:30).
April 16, 2014 - Legal Hour on AM720 KDWN from April 16th, 2014 in which Kevin L. Hernandez Esq., and Judge Kerry Earley discuss Judge Earley’s background (2:00), different judges hear types of cases (13:30), difficulties of judging (16:30)(34:30), length of average trial (20:30), importance of jury duty (22:00), how civil court works (24:15), sidebars (27:00) and fair rulings (30:00).
April 9, 2014 - Legal Hour on AM720 KDWN from April 9th, 2014 in which Martina L. Jaccarino, Esq., and Judge Jerry A. Wiese discuss duties of District Court judges (2:30), importance of jury duty (5:00), medical marijuana (8:20), Judicial Settlement Conference Program (11:30), Judge Wiese’s background (19:00), relationships between judges and lawyers (23:00), campaign contributions (24:45), objections in the courtroom (26:30), Judge Wiese’s re-election campaign (28:15), recourse dealing with lost property (30:15) and emotions and lawsuits (33:15).
April 2, 2014 - Legal Hour on AM720 KDWN from April 2nd, 2014 in which Managing Partner, Tisha Black Chernine, Esq., and Judge Rob Bare of District 32 discuss Judge Bare’s background (1:30), the Nevada State Bar’s Ethics Hotline (6:50), Judge Bare’s career (10:30)(16:40), jury duty (13:50), why people hire lawyers (19:00), building on a leased property (20:30), medical marijuana laws in Nevada (27:00) and recreational marijuana use (34:30).
March 26, 2014 - Legal Hour on AM720 KDWN from March 26th, 2014 in which Michael Li, Esq., and Cliff Marcek Esq., discuss lawyers’ relationships with a judge (2:30), bankruptcyfilings in Las Vegas (3:45), effects of bankruptcy (5:45), causes of bankruptcy dismissal (7:00), considerations for bankruptcy (8:30), Mr. Marcek’s professional experience (10:45), injury litigation (14:15), guardianship and trust (15:45), bankruptcy and IRS debts (19:00), state district court (21:30), proposed bill for a court of appeals (25:20), civil court cases (30:00), Mr. Marcek’s bid for District 19 judgeship (32:20) and The Rotary Club (34:50).
March 19, 2014 - Legal Hour on AM720 KDWN from March 19th, 2014 in which Michele T. LoBello, Esq., and Judge Vincent Ochoa discuss Judge Ochoa’s professional career (2:00), family court caseload (3:40), Judge Ochoa’s family life (5:50), overcoming problems in family court cases (8:05), Nevada’s waiting period for divorce (10:00), children in divorce (14:40), marriage problems and legislation (17:30), changing child support payments (20:30), claiming property from deceased parent (25:00), relocation cases (27:30), infants in divorce (34:30), abuse and neglect cases (36:00) and secretly recording conversations (37:20).
March 12, 2014 - Legal Hour on KDWN AM720 from March 12th, 2014 in which Kevin L. Hernandez, Esq., discusses the Fair Debt Collection Practices Act (“FDCPA”) (3:30)(9:15), legal recourse against debt collectors (7:30), impact on credit (11:00), fixing a credit report (13:20), disputing a debt (15:30)(29:10), how debt collection agencies make money (17:45), debt collection fees (20:00), 3rd party debt collection interest rates (24:50), validation vs. verification of debt (27:20), talking to collection agency (30:20) and the Consumer Financial Protection Bureau (“CFPB”) (35:15).
February 19, 2014 - Legal Hour on AM720 KDWN in which Managing Partner, Tisha Black Chernine, Esq., discusses the medical marijuana laws in Nevada (2:30), the history of marijuana (5:30), quality control regulations (6:40)(28:30), state vs. federal laws (10:20)(34:50), possible federal prosecution (14:30), medical benefits (18:15), growing marijuana at home (20:00), dispensary licenses (25:50), banks holding inventory (29:40) and taxes on deficiencies (31:30).
February 12, 2014 - Legal Hour on AM720 KDWN in which Michele T. LoBello, Esq., discusses divorce rates (1:30), determining child support (2:20), women judges in family court (6:30), cohabitation and premarital agreements (8:50), amicable divorces and mediation (14:30), annulments (17:30), insurance settlements and joint custody (19:30), child custody (23:30), reevaluating custody (29:00) and child support payments (34:10).
February 5, 2014 - Legal Hour on AM720 KDWN in which Managing Partner, Tisha Black Chernine, Esq., and Mark Stark, CEO of Prudential Americana,discuss the current Nevada real estate market (2:00)(11:00), improvements in the real estate market (6:45), Nevada’s job market (13:00), small businesses in Nevada (15:30), evaluating different HOAs (16:45), challenging HOA policy (20:15) property value adjustments (23:45), appraisals and property value (25:50), solar panel rebates (28:20), Arizona’s real estate market (30:30), loan modification (32:05) and lending regulations (35:00).
January 29, 2014 - Legal Hour on AM720 KDWN in which Andras F. Babero, Esq., and Rena Hughes, Esq., discuss different issues in Family Court (2:45), Ms. Hughes’ background (4:40)(9:20)(34:15), how divorce affects children (7:30)(22:15), Ms. Hughes’ community services (11:45), sources for free legal advice (19:45), changes to Family Court (24:00), alternatives to divorce trials (26:30), Ms. Hughes’ running for Family Court Judge District J (28:40) and rights for divorce fathers (35:15).
January 22, 2014 - Legal Hour on AM720 KDWN from January 22nd, 2014 in which Jeffrey J. Whitehead, Esq., and Nick Jones from Company InSite discuss starting a small business (2:30), business entities (6:45)(16:00), stay-at-home businesses (8:10), Social Media manipulation (11:00), business (8:10), Social Media manipulation (11:00), business planning (14:30), privacy issues (20:00), Social Media and employment (23:00), electronic fraud protection (26:00) and creating a brand name (29:20).
January 8, 2014 - Legal Hour on AM720 KDWN in which Managing Partner, Tisha Black Chernine, Esq., discusses medical marijuana laws in Nevada (1:45)(15:00), improvements in Nevada’s housing market (3:25), term limitations for politicians (7:11), Dennis Rodman’s relationship with North Korea (9:35), setting home prices (13:15), short sales with a deficiency (19:45), reporting a lawyer to the bar association (25:00) and the polar vortex and global warming (31:00).

December 11, 2013 - Legal Hour on AM720 KDWN in which Michael J. Ryan, Esq., discusses state run workers’ compensation (1:40), workers’ compensation vs. OSHA (3:25), steps to take when injured (5:40), the three parties involved in a workers’ compensation matter (8:50), the need for a lawyers in workers’ compensation (13:00), employers’ responsibilities (15:10), workers’ compensation fraud (17:30), workers’ compensation benefits (21:25), burden of proof (24:25), recuperation time and treatment requirements (26:00), history of workers’ compensation (29:10), recurring injuries and reopening claims (32:00) and employers’ safety responsibility (36:20).
November 13, 2013 - Listen to the Legal Hour on AM720 KDWN from November 13th, 2013 in which Kevin L. Hernandez, Esq., discusses the Fair Debt Collection Practices Act (1:30), cost shifting (9:20), illegal debt collection tactics (11:30), Telephone Consumer Protection Act (14:40), Do Not Call Lists (16:15), telemarketer regulations (20:30), assuming debt from debtor (26:00), enforcing judgments (30:00)(35:00) and writs of garnishment (32:15).
November 6, 2013 - Legal Hour on AM720 KDWN in which Managing Partner, Tisha Black Chernine, Esq., discusses what happens to vacant or abandoned properties (1:50), prenuptial agreements and small business (7:11), short sales and the Mortgage Forgiveness Debt Relief Act (10:30), arms length real estate transactions (12:00), mortgage insurance (19:40), refinancing to lower payments (23:30) and bank inventory mismanagement (30:30).
October 23, 2013 - Legal Hour on AM720 KDWN radio show in which Managing Partner, Tisha Black Chernine, Esq., discusses the JP Morgan Chase settlement (1:35)(10:05), real estate bid rigging scandals (5:10), the culture of credit (14:00), private vs institutional loans (20:00), selling loans (25:40) and property owned Nevada LLC (26:40).
October 9, 2013 - Legal Hour on AM720 KDWN radio show in which Steven Mack, Esq., and special guest, Stephen Stubbs, Esq., discuss DUI laws regarding taking blood (2:30), consent to search (5:10), sobriety tests (6:25), unreasonable search and seizure (10:30), questions about probable cause (15:45), talking to police (17:05), identification during detainment (23:00), 5th amendment right to counsel (26:45), probable cause (29:00), 2nd amendment right to bear arms (30:20) and concealed weapons (33:25).
October 2, 2013 - Legal Hour radio show in which Steven Mack, Esq., discusses road rage and motorcycle helmet laws (1:40)(14:05), illegally recorded property deeds (9:15), statute of limitations for debt (20:00), HOA super priority liens (23:05), HOA foreclosed properties (30:35) and Home Means Nevada’s Home Retention Program (32:00).
September 25, 2013 - Nevada’s unique real estate market (4:15), difference between a Broker’s Price Opinion (“BPO”) and appraisal (5:45)(9:15), licenses for appraisers (6:40), cost difference between appraisals and BPOs (11:15), how Zillow assesses value (12:45), how Case-Shiller assesses property value (16:10), housing market vs. general economy take cialis and viagra together (17:50), investors buying homes in Nevada (24:15), the construction industry (28:00), real estate damages (30:30) and statute of limitations for a bank to sue on a 2nd mortgage (34:50).
September 18, 2013 - The Legal Hour on AM720 KDWN radio show in which Managing Partner, Tisha Black Chernine, Esq.and Michele Johnson, the president and CEO of the Financial Guidance Center, discuss Las Vegas’ recent federal land auctions (1:30), paying a decendent’s mortgage payments (4:30), FHA’s Back to Work Program (7:10),shadow inventory (12:00)(33:50), how recent legislation affects Viagra foreclosures (15:45), loan mediation (20:15), problems with the Borrower’s Bill of Rights (26:45) and modification programs (29:15).
September 4, 2013 – The Legal Hour on KDWN AM720 radio show in which Jeffrey J. Whitehead, Esq., discusses the costs of probate (1:30)(4:15), estate planning (3:00)(17:30), forming a trust (7:30), changing an estate plan (13:20), a trust as a contingent beneficiary (15:45), contesting a trust (18:30), successor trustees (24:30), POD beneficiaries (26:30) and living wills and health decisions (32:20)
March 20th, 2013 — Fannie Mae’s Home Path website (3:40), the effects of rising home values on inventory (9:00), Las Vegas’ improving real estate market (16:00), leasing homes back to sellers (19:00), banks lending practices (22:00), the foreclosure one action rule (28:45), trash collection in Las Vegas (32:48) and trusts vs. wills (37:10).
February 27th, 2013 — wrongful military foreclosures(2:05), the lawsuit against Standard & Poor’s (4:30), getting mortgage loans with bad credit (9:45), rebounding housing market (14:00), “as is” real estate sales (15:45), how AB 284 affects the housing market (21:00) and banning sugary beverages (31:45).
February 2nd, 2013 — discuss the extension of the Tenants Occupying Residences Act (2:55), statute of limitations for collections on deficiency (9:20), reviewing child support and alimony obligations (17:30)(30:10), refinancing a mortgage with an irrevocable living trust (22:30), the ability to collect on a deficiency and the tax ramifications (25:00) and short sale responsibilities in a divorce (35:40).
January 23rd, 2013 — wrongfully charged late fees for mortgage payments (2:00), how to check ownership of a property (8:00), improper foreclosure affecting ownership (11:00), avoiding probate with beneficiaries (14:00), including a mortgage in a bankruptcy (20:15), renting out a property under short sale or foreclosure (26:00), tax implications associated with forgiveness of debt (30:00) and protection for a tenant renting a foreclosed property (34:35).
January 16th, 2013 — the Mortgage Debt Relief Act (2:30)(17:10), improvement in the housing market (5:20), defining the shadow inventory of the housing market (9:40), ways banks put properties back on the market (14:00), how banks fund mortgage loans (26:30), the different type of mortgage loan lenders (29:00), can banks use depositors’ money to fund loans (29:50) and how banks use money (31:30).
J anuary 2nd, 2013 — tips to avoid probate involving real estate (1:32), what happens to debt and property after death (3:15), how to manage health care decisions (8:05), updating wills (9:00), marital disclaimer (11:05), children NOT included in a trust (13:45), including assets in a trust (15:45), naming a beneficiary for a house (21:15), how to add/remove beneficiaries (24:55), possible changes to the estate taxes after 2012 (26:10), what happens to a mortgage debt after death (31:35) and the difference between a deed upon death or joint tenancy (36:30).

December 26th, 2012 — how the upcoming fiscal cliff will affect estate tax (1:30), who makes life decisions during incapacity or death (4:35), how a trust can help kids (6:20), powers of attorney (9:30), how gambling winnings are taxed (11:00), Nevada Asset Protection Trusts (14:55), trusts vs. wills (16:05), arguments between trustees and beneficiaries (18:20), how banks affect trustee vs. beneficiary arguments (20:45), affidavit of entitlement (23:05), financial responsibility for the deceased (25:10), power of attorney to assign guardianship (27:40), managing bank accounts using a power of attorney (33:30) how a trustee manages assets (37:26).
December 19th, 2012 — where human trafficking occurs (3:10), defining human trafficking (3:40), who profits from human trafficking (4:50), victims of human trafficking (7:15)(13:40)(18:30), “Surviving Sin City” film project (10:20)(26:10), the battle against human trafficking (14:40), how human traffickers work (21:15), the scope of the human trafficking industry (24:25), the difficulty victims have escaping human trafficking (28:30) and how to combat human trafficking (34:25).
December 5th, 2012 — how whistle blowers have affected recent lawsuits (2:11), the latest developments with LIBOR rigging scandal (6:33), how FICO score is determined (11:38), payments from the Multi-State Settlement (18:40)(34:15), problems with mortgage modification programs (27:27) and independent foreclosure reviews (37:00).
November 28th, 2012 — notice of defaults (“NOD”) leading to evictions (1:30), what happens to property in a bankruptcy (4:05), the steps leading to eviction (11:50), how to check a potential rental property for scams (14:00), Nevada’s portion of the Multi-State Settlement (19:10), upcoming deadlines for real estate tax breaks (21:40), the difference between originating and funding a loan (27:00), loan modification programs (31:55) and debt forgiveness from a short sale (36:00).
November 21st, 2012 — the trends of construction industry in Las Vegas (3:40), bankruptcy trends in Las Vegas (6:50), how the construction industry helps businesses (9:40), upcoming large building projects in the Las Vegas valley (16:31), how Construction Notebook helps plan projects (19:50), how to avoid bad contractors (22:10), the effect of the boom and bust years on the construction industry (23:00), the future of the construction industry (26:10) and how the Construction Notebook started (33:10).
November 14th, 2012 — the problems in the real estate market in Spain (1:15), mortgage deficiencies (3:00), how trusts protect assets (3:39)(23:40), Nevada Asset Protection Trusts (9:20), breach of rental agreements (15:00), benefits of rental insurance (21:26), the changing mortgage modification market (31:00), and wills vs. trusts (34:00).
November 7th, 2012 — hosts special guest, Bubba Grimsley, Esq., an attorney licensed in Alabama. Mrs. Black Chernine and Mr. Grimsley discuss post-election issues (2:40), voters’ decision making process (3:45), misplaced priorities between domestic vs. foreign issues (6:00), results of the election (7:30), recreational marijuana initiatives (11:05), federal vs. state law (12:25), snapshot of current big banks’ legal trouble (15:02), Nevada’s real estate ghost inventory (19:53), how HOAs can foreclose on a property and its responsibilities to home owners (21:36) and how to deal with a mechanics lien (28:23).
October 31st, 2012 — Tisha Black Chernine, Esq., hosts special guest Cynthia Dustin-Cruz, Esq., who is running for a Judge position in the Las Vegas Justice Court, Department 5. Mrs. Black Chernine and Mrs. Dustin-Cruz discuss the latest Case-Shiller Home Price Index report (2:15), recent lawsuits related to the mortgage industry (3:00), a lawsuit regarding banks’ maintenance of their foreclosed homes (5:25), Mrs. Dustin-Cruz’s legal career (10:25), what makes Mrs. Dustin-Cruz a good candidate (12:38), what Justice Court does (15:00), the different diversionary programs and their benefits (20:45) and typical home loan modification practices and their impacts (34:20).
October 24th, 2012 - Andras F. Babero, Esq., hosts special guest District Court Judge Jerry Tao from Department 20. Mr. Babero and Judge Tao discuss the types of cases that go before District Court (3:42), Judge Tao’s experiences as a prosecutor and a public defender (5:06)(14:50), how the Court System works in Nevada (9:00), running for election as a Judge (10:52), requirements to run for District Court Judge (14:12), takings cases (17:40), restrictions on a Judge’s personal life (23:00), the need for an intermediate appellate court system in Nevada (25:57), the average annual caseload for Nevada Judges (28:45), a Judge’s staff (33:22) and effects of local vs. federal elections on individuals (37:18).
October 17th, 2012 — how a recent supreme court case affects the foreclosure crisis (2:07). Mrs. Black Chernine also hosts special guest Mr. Kalani Hoo, Esq., candidate for Justice of the Peace, Department 1. Mrs. Black Chernine and Mr. Hoo discuss the difficulties with campaigning for office (10:27), the failure of the Presidential debates to discuss the housing crisis (11:45), unlawful detainer (12:50), good news in the housing market (15:15), Mr. Hoo’s experience as an advocate for Veterans’ Affairs (17:40), the differences between misdemeanors and felonies (22:20) and tips to avoid being arrested for a traffic violation (31:13).
October 3rd, 2012 — Hosts special guest Judge Debbie Lippis from the Las Vegas Justice Court, Department 1. Mrs. Black Chernine and Judge Lippis discuss what the different courts do (2:55), how pro se works in different courts (4:00), a memorable small claims case (5:30), what Justice Court does (9:40), sexual assault prosecution cases (10:45), protective orders (13:08), Judge Lippis’ re-election campaign and endorsements (19:20), defining business partnerships (23:00) and one of Judge Lippis’ success stories (29:30).
September 28th, 2012 — the Credit Show with Harry Jacobs from Credit Restoration of Nevada on KDWN AM720 from September 28th, 2012 featuring Managing Partner, Tisha Black Chernine, Esq. Mrs. Black Chernine and Mr. Jacobs discuss responding to collection letters from credit companies (2:14), responding to a dunning letter to repair credit (8:15), how creditors violate the Fair Debt Collection Practices Act (12:40) debts resolved by foreclosure (15:32), how banks violate FDIC statutes (18:00), how bankruptcy can affect home loans (21:15), how credit scores are affected by bankruptcy vs. foreclosure (28:40) and defaulting on student loans (31:40).
September 19th, 2012 — hosts special guest Judge Kelly Earley from Department Four of the 8th Judicial District Court. Mrs. Black Chernine and Judge Earley discuss the importance of judicial elections (1:30), pro se litigants (5:20), tips for negotiating a short sale (9:00)(25:10), banks that sue for loan deficiencies (12:00), how incompetent judges affect the litigation process (15:50), the important aspects of a case for a judge (22:20), loan negotiation scams (28:50) and defense against false claims and loan defaults (31:05).
September 12th, 2012 — hosts special guests Bradley Schrager with Fennemore Craig Jones Vargas and Danial Stewart with Koch and Scow, LLC. Mrs. Black Chernine, Mr. Schrager and Mr. Stewart discuss the growth of election law (3:10), the difference between political and election lawyers (5:05), enforcing proper use of campaign financing (6:50), Nevada’s voting and voter registration organization (9:15), accuracy and reliability in polling (13:00), getting voters to vote (18:00), voter ID issues (22:50), defining voter fraud (28:20), military and absentee voting (31:00) and redistricting (34:05).
September 5th, 2012 — Tisha Black Chernine, Esq., hosts special guest and community bankers Eric Colvin of Meadows Bank and John Sullivan with First Security Bank. Mrs. Black Chernine, Mr. Colvin and Mr. Sullivan discuss the differences between the big banks from community banks (2:10), types of loans sold into secondary market (3:15), how real estate agents may list a foreclosed property owned by a community bank (8:20), benefits of trying to modify a loan with a community bank (10:00), loss share (13:45), how judicial foreclosure affects selling a property (18:16), tips to modify Fannie, Freddie or FHA loans (24:55), where community banks can invest (27:50) and how community banks compete with big banks (29:00).
August 22nd, 2012 — the lack of interest in real estate issues in the upcoming elections (2:10), student loan debt problems (4:10), how student loans are like credit cards (5:45), lease options on a house (9:45), Mitt Romney’s solution to the real estate crisis (18:55), criminal prosecutions of past financial crisis (21:22), the most recent bank scandals (24:40), tenant issues on a rental property (31:15) and HOA 101 (37:00).
August 15th, 2012Tisha Black Chernine, Esq., hosts special guest Danial H. Stewart, an election law attorney practicing at Koch and Scow, LLC. Mrs. Black Chernine and Mr. Stewart discuss how election law affects campaign financing and strategy (4:45)(34:36), how Nevada affects national elections (6:40), a Nevada laws regarding term limits (10:30), should county employees supervising a polling site (13:50), voter ID law (17:25), how Ohio’s redistricting will affect elections (23:00), the investigation into the Fast and Furious gun running sting operations (27:00), how to protect assets against an underwater property (29:50) and corporate contributions to political campaigns (38:17).
August 1st, 2012 — Tisha Black Chernine, Esq., discusses her debate with Laurie Anne Maggiano of the US Treasury Department regarding strategic defaulters (2:45), modification solution fatigue (5:40), the difficulty of defining financial hardship (6:20), Bank of America’s principal reduction programs (7:50), LIBOR rigging scandal (11:00), right of redemption (14:30), how to recoup retainer fees (20:50), why banks won’t release foreclosed properties back into the market (24:15), how to use the Multi-State Settlement to get out of a HELOC (30:10) and what you can learn from your mortgage servicer (37:10).
June 27th, 2012 — the tax exemption for short sales regarding the Mortgage Debt Relief Act (2:05)(20:55)(26:50), improvement in the short sale market (9:31), how Eaton v. Fannie Mae affects the foreclosure process (14:00), when to ask your attorney for a refund (17:15), how to find out which lender owns a mortgage loan (20:20), the trend of principal reductions as a result of the Multi-State Settlement (30:31), whether a bank can foreclose during a short sale (32:30) and how to argue apartment maintenance issues (35:20).
June 6th, 2012 — how Ally Financial’s recent bankruptcy affects the real estate market (2:00) (10:20), how bankruptcy affects foreclosure (5:00), bankruptcy as an asset protection tool (11:50), how credit counselors or debt settlement programs help rebuild credit (21:10), the changing stigma of bankruptcy (24:30), predatory lending by credit card companies (26:30), how to find a good bankruptcy lawyer (30:08), when should you consider bankruptcy (32:40) and why bankruptcy trustees take income tax refund and how to protect it (34:25).
May 30th, 2012 — misconceptions about bankruptcy (3:40), how to improve credit (8:15), the differences between chapter 7, 11 and 13 bankruptcies (10:15), how and when bankruptcy can protect real estate assets (12:40), student loans in a bankruptcy (14:44), which debts can be discharged (18:40), short sale vs. bankruptcy (21:00), 1099-C tax forms and promissory notes (25:45), how to use TILA letters (30:37) and how a lawyer can help in a loan modification (35:50).
May 2nd, 2012 — Abel v. BAC Home Loans Servicing LP et al, a current case in New York alleging that banks are laundering money overseas (2:15), problems with the stress tests for the major banks (12:40), tips for investment including real estate and offshore accounts (16:40), how to check house foreclosures (21:27), real estate agent unfair practices (25:30), problems getting a loan modifications (29:30) and tips for successful asset protection (34:40).
April 25th, 2012 — how a bankruptcy case in Louisiana shows how mortgage servicers take advantage of homeowners (2:00)(20:00)(30:15), bank fees charged during a default (12:15), chapter 7 vs. chapter 13 (14:00) and how divorce affects bankruptcy(17:40).
April 18th, 2012 — the options Nevada should consider for the money received from the $90 million Multi-State Settlement (1:30)(22:50), the effects of the Las Vegas renters’ market (10:15), tips for prospective renters (12:00), renewing the tax law that allows forgiveness of debt (17:00), when debt forgiveness applies (19:30), refinancing options for rental properties (23:40) and Homestead Act scams (30:00) actions to take against your lender according to the Truth and Lending Act (37:05).
April 4th, 2012 — AB 284 and how lenders could avoid its requirements (1:20), how robo-signing affects foreclosure (10:40), how irrevocable trusts can be amended (13:35), how to remove a trustee (18:30), contesting rights to assets (20:55), liability on mortgage fraud (25:40) and assets exempt from collections (33:40).
March 28th, 2012 — why Federal programs fail to help the real estate market (3:00), how private lenders can guard against title fraud (5:40), how to dissolve ownership of a property (11:00), short sales vs. principal reductions (17:17), options for elderly homeowners in an underwater property (21:05), problems with WRAP mortgages (26:43), whether a beneficiary on a deed of trust can collect on a default from a renter (31:33) and theChannel 8 “Desert Underwater” series winning a Peabody Award (35:30).
March 21st, 2012 — what the HARP program does and how it can help people (1:50), the limits to the HARP (12:45), the pros and cons of strategic default vs. short sale (16:45), financing reverse-mortgages (29:50), why Bank of America no longer works with Fannie Mae (31:50) and the Shared Appreciation Modification Program (34:40).
March 14th, 2012 — medical liens on real estate (2:30), a class action suit affecting military servicemembers suffering from foreclosure (6:45)(19:10), how to check the status of a mortgage (10:00), when banks make different insurance requirements (13:35), refinancing through HARP (21:50)(38:10) and recourse for failed loan modification attempts (31:50).
March 7th, 2012 — how to protect assets against creditor issues (2:00), what is adult guardianship (4:50), the guidelines that executors should follow (8:33), buying foreclosed homes with robo-signing issues (12:01), what trustees can and can’t do with assets (16:55), problems with real estate agents (20:40), statute of limitations on probate proceedings (26:40), suing banks to refinance mortgage loans (31:05) and how AB 284 makes banks halt foreclosures (33:08).
February 29th, 2012 — the fight against foreclosure fraud (1:33), the new types of real estate fraud (6:55)(33:40), what to do to combat real estate fraud by yourself (12:50), how to quit-claim a a property back to the bank or mortgage company (21:50), how to protect assets from banks (27:32) and problems with refinancing mortgages (37:50).
February 22nd, 2012 — the Multi-State Settlement (2:00), how mortgage modifications work (5:12), tips for dealing with banks (12:00), escrow impound accounts (18:30), what happens to a property and the mortgage after death (23:00), what happens to debt after death (25:20), how to get a principal or interest reduction (32:00) and how the Multi-State Settlement will affect short sales and credit (38:40).
February 15th, 2012 — discuss Nevada’s Residential Foreclosure Mediation Program and how to take part (5:50), what happens during the process (7:03), recently passed laws that have helped shape the Mediation Program (8:30), how parts of the vetoed bill AB 300 have been incorporated into and enhanced the Mediation Program (13:50), various FREE resources available to the public and how to use them (18:30), the problems involved with working the system (22:04) and suggestions to homeowners for how to prepare to fight for their homes (33:45).
February 1st, 2012 — the good and bad aspects of the real estate market in 2011 (3:10), how AB 284 affects the available real estate inventory (7:42), how to find a real estate agent with experience in short sales (12:25), real estate debt obligations in a marriage (22:05), the current state of the real estate industry (24:16), the likelihood of banks to sue for a deficiency (32:54), the areas of the Vegas valley hardest hit by the housing crisis and the benefits of buying a property in the current economy (37:50).
January 25th, 2012 — the impact of walking away from a mortgage vs. negotiating with the banks (4:26), how banks committed fraud during the housing bubble (6:10), how to spot title issues when buying real estate (9:52) (33:36), trouble foreigners have qualifying for lending (14:00) (30:40), laws that protect renters (21:20) and how to speed up the foreclosure process (28:15).
January 18th, 2012 — the different fraud schemes related to the real estate crisis (2:00)(14:20), whether AB 284 can help during a short sale (10:35), steps to take when setting up a small business (17:28), rent-to-own properties (30:50) and strategy for renting properties (34:48).
January 11th, 2012 — breach-of-contract issues (3:05), short sale approval during the foreclosure process (5:34), if quit claiming fix credit issues (11:00), how safe is it to refinance (15:20), New York’s investigation forced placed insurance policies (19:50)(31:10), how the eviction process works (21:55), using an abandoned house for garage sales (25:50), the status of the Supreme Court Case regarding MERS (32:22) and help for VA loans (36:30).
January 4th, 2012 — recent case law regarding homeowners’ right to sue lenders under HAMP or HAFA (2:40), how to dispute NODs (4:05), the book Chasing Goldman Sachs by Suzanne McGee and what it says about how Fannie Mae and Freddie Mac operate and other controversies of the current economic crisis (10:16)(23:00)(38:02), how to deal with bank lawsuits (12:50), refinancing an underwater property with Fannie Mae (19:00), how the securitization process avoids taxes (33:55) and how AB 273 can protect homeowners from being pursued by banks (32:56).

December 28th, 2011 — the Supreme Court case regarding MERS‘s ability to properly foreclose in Nevada (2:00), how that decision could help homeowners battling wrongful foreclosure (6:45), how to determine who owns a mortgage loan (19:23), how loan modification programs work and what can go wrong (22:15)(37:10), Obama’s plan to improve HARP (29:20) and whether banks can come after checking and savings accounts to collect on defaulted loans (32:50).
December 21st, 2011 — the bank moratorium on foreclosure processes through the holiday season (5:35), predatory lending practices (11:50), reasonable expectations for legal arguments (16:40), responsibility for a decedent’s health insurance co-payments (19:10), foreclosures on investment properties (22:30), modifying a Chapter 13 bankruptcy plan (27:45), the value foreclosure mediation (29:22) and the reality of principal reduction offers (36:50).
December 19th, 2011 — the changes of the banking industry (4:00), how AB 284 effects the foreclosure process (15:05), the different types of foreclosure processes and how they work (17:11), commercial property problems in the foreclosure crisis (24:25), who is to blame for the foreclosure crisis (30:24), Glass-Steagall Act (37:48) and limits on banks to pursue loan deficiencies (41:40).
December 14th, 2011 — the impact of a short sale or foreclosure on a person’s credit, what affects a credit score (4:00), how foreclosure or short sales affect credit (12:20)(22:10)(31:40), rebuilding credit (16:20), the history of the credit rating agencies (20:34), credit trouble maintenance strategies (24:35), how the government and the new legislation could help people with bad credit (29:30) and how the credit repair industry works (33:45).
December 7th, 2011 — quit claims to remove or add right to ownership of a loan (3:26) (21:00), the Secretary of States’s audit into home based business exemptions (6:46) (13:25), the latest developments in the robo-signing scandal (10:55), trusts as a tool to protect property (25:15) and Nevada’s economic recovery (31:00).
December 5th, 2011 — the limitation of declaring bankruptcy, settling debts with a will (4:15), notification of probate process (9:33), unclaimed funds from a probate (11:27), the expanding bankruptcy industry (20:20), removing name from a quit claim deed (23:45), homestead protection for a house (30:26), transferring house from one person to another (34:50).
November 30th, 2011 — Nevada Secretary of State’s decision on home-based business exemptions, the latest developments in the Tracey Lawrence robo-signing fraud case (2:12), what to consider before attempting a short sale (12:15), how to argue a landlord/tenant dispute (17:27), how to apply the robo-signing fraud case to specific foreclosure cases (22:20), how to determine ownership of a property (29:37) and what documents should be disclosed by the lender in the loan modification process (35:30).
November 28th, 2011homestead coverage limits (3:40), effects of refinancing on homesteading (7:00), the limits of asset protection by Trusts from probate or bankruptcy (10:45, 20:25),time limits of banks to collect deficiency debts (14:05), HOA fees included in bankruptcy(18:10), service agent changes for mortgage payments (29:42) and how creditors collect debts (31:50).
November 21st, 2011 — Nevada’s divorce laws, the division of assets and debts, child support laws, calculating alimony (4:40), the problems with prenuptial agreement, terminating parental rights (9:20), how to grant parental rights, (13:40), how to change child support (15:55), preventing a felon from getting guardianship of a child (22:00) and dealing with deceased spouse’s debt (32:20).
November 16th, 2011 — Tisha Black Chernine’s contribution to Channel 8’s Desert Underwater series and talks with Chief Investigative Reporter, George Knapp, about the effects of the Real Estate crisis on the Las Vegas valley. Assemblyman Marcus L. Conklin also makes a guest appearance to talk about the government’s role in Real Estate and the new legislation that seeks to restore the foreclosure process such as AB 284 and AB 273. (22:15)
November 14th, 2011 — why luxury purchases cannot be included in a bankruptcy (2:00), how to avoid probate of a deceased’s property (4:40), beneficiary deeds, debt repayment plans vs. bankruptcy (6:30), foreclosing vs. short selling a rental property (11:15), transferring title of property to spouse (15:45), payday loans covered in a bankruptcy (18:45), the benefits of bankruptcy (24:30), negotiating a mortgage deficiency vs. filing for bankruptcy (31:25), how to administer a deceased’s estate under $20,000 (33:55) and Notice of Proposed Action changes on trusts (42:20).
November 9th, 2011 — Tisha Black Chernine’s Wall Street Journal interview dealing with robo-signing, how a deed-in-lieu works, tax benefits for renting a property at a loss, buying a foreclosed home at auction, out of state short sales and problems with Home Owners Associations (HOA) title searches.
November 7th, 2011 — how sudden increases in wealth may affect Chapter 13 bankruptcy, consequences of bankruptcy fraud, assets protected in a bankruptcy, the difference between a living trust and an Nevada Asset Protection Trust, how to bequeath personal possessions, inheriting deceased relatives’ mortgage and property and how changes in income affect a bankruptcy.
November 2nd, 2011 — buying foreclosed homes, different types of deeds, notice of default, Assembly Bill 284, how to spot and clean up problems with a property title and Supreme Court cases that affect foreclosures.
October 31st, 2011 — intestacy laws, joint bank accounts, IRS gift limits and tax consequences, how to prepare and validate a will, applying for guardianship, transferring beneficiary rights, living trusts, and how trusts protect assets.
October 26th, 2011 — taxes regarding real estate, tax implications on home purchases, tax consequences for short sales and foreclosures, tax relief legislation, the purposes and how to use tax forms 1099-c and 982, mortgage debt relief and the Mortgage Forgiveness Debt Relief Act.
October 24th, 2011 — different types of bankruptcy, debts covered by bankruptcy, cram downs on investment property, how probate may help divest responsibility for a debt, non dis-chargeable debt, the difference between Chapter 7 and Chapter 13 bankruptcy, how bankruptcy debt impacts probate, how to eliminate a 2nd mortgage, how payday loans can affect bankruptcy, VA loan programs available for veterans and getting rid of IRS debt through bankruptcy.
October 19th, 2011 — chain of title problems, how to stop a foreclosure, 1099 tax forms, how AB 273 helps short sellers against creditors, renting a pre short sell property and issues with notary fraud.
October 17th, 2011 — how to avoid probate on bank accounts, how to add a name to a house deed, taxes on estates, early distributions vs. gifts from a trust, Nevada asset protection trust, short sale negotiation, joint tenancy in a trust, protecting out of state assets and the Nevada Homestead Protection Act.
October 10th, 2011 — The pros and cons of LegalZoom and other do-it-yourself legal services, trust ownership of IRA accounts, child support owed by a spouse’s estate, jointly held property in an estate, how to close an estate, joint ownership of a property and affidavit of small estate.
October 5th, 2011 — FHA Short Refinance Program, mortgage insurance increases, Government Sponsored Enterprises (GSE), settling a second mortgage, refinancing a mortgage to lower interest rates, judicial reviews on foreclosure mediation, adjustable rate mortgages and how soon after a bankruptcy can you get a mortgage.
October 3rd, 2011 — Recording spouses for custody battles, new legislation that streamlines the probate process, creditor claim against a borrower’s probate or trust, out of state power of attorney, breach of contract for HOA and wills vs. trust.
September 28th, 2011 — The recent Case-Shiller report, the effects of low housing prices, mortgage originators, how AB 273 affects deficiency judgments, how AB 284 affects how notice of defaults are processed, robo-signers, Barack Obama’s New Jobs Plan and federal regulations that regulate debt collection practices.
September 26th, 2011 — Ways to avoid probate, the on-line public record of wills, the correct way to transfer assets through a will, family trust terms, buying a home after a foreclosure, amending a will for a divorce and fraudulent wills.
September 21st, 2011 — Reverse-mortgages, debt-to-income co-signers on mortgages, mortgage modification, VA home loans, judicial review and mediation, lawsuits pursuing predatory lending, appraisal problems, tax debt and bankruptcy.
September 14th, 2011 — 76th Legislative Session including AB 273 and AB 284, the amount of time a lender can sue for deficiency, short sale vs. foreclosure and many other aspects of these new bills.
September 12th, 2011 — Living wills, how trusts and LLCs can protect against foreclosure, how a will is involved in probate, how to name a will executor, using trusts to avoid probate, how to claim inheritance property, how to distribute assets from a trust, inheritance tax and differences between LLC and S Corp.
September 5th, 2011 - Estate planning when expecting a child, child guardianship priority issues, reimbursement for adult guardianship duties, revising holographic wills, insurance policy beneficiary issues and how to argue a change of custody.