N.J. Assemblyman Gary Schaer’s foreclosure bill is finally signed into law

Feedback

Wednesday Feb 22nd, 2012
Last update: 581 hours 34 min 31 sec ago
An online publication for the people, by the people

N.J. Assemblyman Gary Schaer’s foreclosure bill is finally signed into law

Mon, 12/26/2011 - 22:51 — admin

BY SALVATORE PIZZURO

COMMENTARY

After many months of negotiations and revisions among members of the State Legislature and the Governor’s office, it has been announced that Assemblyman Gary Schaer’s bill, designed to protect homeowners facing foreclosure from unscrupulous consultants, has been signed into law.

The "Foreclosure Rescue Fraud Prevention Act." was initially introduced by Schaer in response to distressed homeowners who were swindled out of their remaining savings by consultants who pretended to offer assistance in keeping their homes and the few resources they had left. An original version of the bill was conditionally vetoed by Governor Christie and was sent back to the Legislature for revisions. According to the Democratic Legislative office, the revised bill, A-359, is a “revamped measure that will help protect homeowners from unscrupulous foreclosure consultants without strangling the real estate market.”

Assembly members John J. Burzichelli, Bonnie Watson Coleman and Wayne P. DeAngelo also served as primary sponsors of the bill A Senate version, S-1651, was sponsored by Shirley Turner. and Brian Stack, with Robert Gordon, Linda Greenstein, and Teresa Ruiz serving as co-sponsors.

According to the new law, foreclosure consultants will be required to adhere to standards and practices that will prevent fraudulent activities that in the past have left distressed homeowner as unprotected victims. According to the bill:

“Foreclosure consultant": (1) means any person, located out-of-State or within the State, who, directly or indirectly, for compensation from an owner, makes any solicitation, representation, or offer to perform, or who performs, any distressed property service that the person represents will in any manner do any of the following in relation to the owner’s distressed property:

As Assemblyman Schaer has pointed out, "Faced with the prospect of becoming homeless, many New Jersey homeowners are turning to foreclosure consultants and foreclosure rescue firms in a last-ditch effort to stay in their homes...Unfortunately, some of the firms are nothing more than fronts for elaborate schemes to rob troubled homeowners of their hard-bought equity."

Violation of the new law can result in civil fines and penalties, with the severity of the penalties escalating with each offense.

Schaer also indicated that, "The scope of this amended legislation may not be as extensive as we had originally intended, but it's a very good start to shining a light on people who may prey on homeowners at their most vulnerable time

Assemblyman Burzichelli suggested, "These are desperate people looking for legitimate help to keep a roof over their heads, ……That we have to consider legislation to make sure they are not taken in by individuals looking to profit on the suffering of others is sickening."

It has also been reported that the bill received support from the banking and real estate communities, along with consumer advocacy groups, including the New Jersey Bankers Association, the New Jersey Realtors Association, the New Jersey Land Title Association, New Jersey Citizen Action and New Jersey Legal Services.

Dr. Salvatore Pizzuro, a Disability Policy Specialist, holds a doctorate in Developmental Disabilities from Columbia University and an advanced degree in Disability Law from New York Law School.

ALSO BY SALVATORE PIZZURO

N.J. Sen. Barbara Buono is not afraid to speak out on sensitive issues

N.J. bill that seeks to improve lives of developmentally disabled passes legislature

Gov. Christie’s grudge against Sen. Richard Codey is a disservice to all New Jerseyans

Bureaucratic red tape is robbing N.J.'s developmentally disabled of basic human rights

N.J. Assemblywoman Valerie Huttle is a voice for the voiceless

Complaint filed against the N.J. Division of Developmental Disabilities and ARC

Abuse of N.J.'s developmentally disabled continues

N.J. Assemblyman Gary Schaer is a committed advocate for the middle class and disabled

N.J. Sen. Buono is unafraid to challenge the insurance industry

Philadelphia abuse case highlights need for 'Tara's Law' in N.J.

Meadowlands, Xanadu tug of war is an interesting debate

N.J. Assemblywoman Connie Wagner protects disabled from abuse

N.J. Senator Jennifer Beck fights for disabled through 'Tara's Law'

NJTV is devoid of genuine news reporting

Diminishing quality of life among New Jerseyans with disabilities to be discussed at summit

Prejudices toward disabled employees may be preventing success in the workplace

Assemblyman Gary Schaer’s Homeowner Protection Bill Still Awaits Gov. Christie’s Signature

'Mixed leadership' raises questions in the mission to serve N.J.'s vulnerable citizens

N.J. Senator Barbara Buono will not abandon vulnerable citizens

Comments

Wed, 02/15/2012 - 09:32 — lifengqin

timberland winter boots

The word of command rang out, again the regiment Timberland 6-Inch Boots blue quivered with a clanking sound as it presented arms. In the deathly silence the weak voice of the commander-in-chief was audible. The regiment roared: “Good health to your Ex,lency, lency,lency!” And again all timberland stores was still. At first Kutuzov stood in one spot, while the regiment moved; then Kutuzov began walking on foot among the ranks, the white general beside him, followed by his suite.From the way that the general in timberland 14 Inch boots brown command of the regiment saluted the commander-in-chief, fixing his eyes intently on him, rigidly respectful and obsequious, from the way in which, craning forward, he followed the generals timberland boots through the ranks, with an effort restraining his quivering strut, and darted up at every word and every gesture of the commander-in-chief,—it was evident that he performed his duties as a red timberland boots subordinate with even greater zest than his duties as a commanding officer. Thanks to the strictness and assiduity of its commander, the regiment was in excellent form as compared with the others that 14 inch timberland boots had arrived at Braunau at the same time. The sick and the stragglers left behind only Timberland 3-Eye Lug Handsewn Brown numbered two hundred and seventeen, and everything was in good order except the soldiers' boots.Kutuzov walked through the ranks, stopping now and then, and saying a few friendly words to officers he had known timberland boots cheap in the Turkish war, and sometimes to the soldiers. Looking at their boots, he several times shook his head dejectedly, and pointed them out to the Austrian general with an expression as much as to say that he shop timberland boots blamed no one for it, but he could not help seeing what a bad state of things it was. The general in command of the regiment, on every occasion such as this, ran forward, afraid of missing a single word the commander-in-chief timberland winter boots might utter regarding the regiment. Behind Kutuzov, at such a distance that every word, even feebly articulated, could be heard, followed his suite, consisting of some twenty persons. These gentlemen were talking timberland boots clearance among themselves, and sometimes laughed. Nearest of all to the commander-in-chief walked a handsome adjutant. It was Prince Bolkonsky. Beside him was his comrade Nesvitsky, a tall staff-officer, excessively stout, with a good-natured, smiling, handsome face, and moist eyes. Nesvitsky could hardly Timberland 6-Inch Boots red suppress his mirth, which was excited by a swarthy officer of hussars walking near him. LFQ

Fri, 02/10/2012 - 14:21 — timberlandboots

discount timberland boots

OVER THE BRIDGE two of the enemy's shots timberland 6 inch boots had already flown and there was a crush on the bridge. In the middle of the bridge stood Nesvitsky. He had dismounted and stood with his stout person jammed against the railings. He looked laughingly timberland classic 3-eye handsewn back at his Cossack, who was standing several paces behind him holding the two horses by their bridles. Every time Nesvitsky tried to move on, the advancing soldiers and waggons bore down upon timberland roll top boots him and shoved him back timberland 14 inch boots against the railings. There was nothing for him to do but to smile. “Hi there, my lad,” said the Cossack to a soldier in charge of a waggon-load who was forcing his way through the foot-soldiers timberland 6-inch premium boots that pressed right up to his wheels and his horses; “what are you about? No, you wait a bit; you see the general wants to pass.” But the convoy soldier, taking no notice of the allusion to the general, bawled to the soldiers timberland classic boat shoes who blocked the way: “Hi! fellows, keep to the left! wait a bit!” But the fellows, shoulder to shoulder, with their bayonets interlocked, moved over the bridge in one compact mass. Looking down over the rails, Prince boots timberland Nesvitsky saw the noisy, rapid, but not high waves of the Enns, which, swirling in eddies round the piles of the bridge, chased one another down stream. Looking on the bridge he saw the living waves of the soldiers, all alike as they timberland womens boots black streamed by: shakoes with covers on them, knapsacks, bayonets, long rifles, and under the shakoes broad-jawed faces, sunken cheeks, and looks of listless weariness, and legs moving over the boards of the bridge, that were timberland mens boots coated with sticky mud. Sometimes among the monotonous streams of soldiers, like a crest of white foam on the waves of the Enns, an officer forced his way through, in a cloak, with a face of a different type timberland shoes store from the soldiers. Sometimes, like a chip whirling on the river, there passed over the bridge among the waves of infantry a dismounted hussar, an orderly, or an inhabitant of the town. Sometimes, like a log floating timberland leisure shoes down the river, there moved over the bridge, hemmed in on all sides, a baggage-waggon, piled up high and covered with leather covers. “Why, they're like a river bursting its banks,” said the Cossack, stopping cheap timberland boots hopelessly. “Are there many more over there?” “A million, all but one!” said a cheerful soldier in a torn coat, winking, as he passed out of sight; after him came another soldier, an older man. “If he” (he meant the enemy) “starts popping timberland snow boots at the bridge just now,” said the old soldier dismally, addressing his companion, “you'll forget to scratch yourself.” And he passed on. After him came another soldier riding on a boots timberland waggon.ZBY

Sun, 01/29/2012 - 12:06 — grd

The demonstration Microsoft

The demonstration Microsoft Office 2010 comes after Office 2010 Occupy protesters microsoft 2010 said earlier this Microsoft Office 2007 week that they Office 2007 planned to move Download Office 2010 into a vacant Office 2010 Key building and turn MS Office 2007 it into a Office Professional 2010 social center and MS Office 2010 political hub Office 2007 They also threatened http://softbidding.blogspot.com/ to try

Fri, 01/20/2012 - 08:25 — xiaohong

Although at first glance a

Although at first glance a replica jersey may look similar to an authentic personalized nfl jerseys, there are actually faint nfl authentic jerseys differences that you will notice if you look closely or know where to look.So what is the difference cheap nfl jerseys between an authentic wholesale nfl jerseys NFL jersey and a replica? nfl 2012 pro bowl jerseys

Mon, 01/16/2012 - 15:23 — oaklecksdt

mac makeup

The father was a farmer on a small scale; that is, he cultivated ten acres of poor land, out of which he extorted a living for his family, or rather a partial living. mac makeup Besides this he worked for his neighbors by the day, sometimes as a farm laborer, sometimes at odd jobs of different kinds, for he was a sort of Jack at all trades. But his income, all told, was miserably small, and required the utmost economy and good management on the part of his wife to make it equal to the necessity of a growing family of children.

Sun, 01/15/2012 - 16:29 — jerseys22

nfl jerseys in China

when Wales arrived to Baylor heightened education, the allows (Baylor nfl and higher instruction baseball team) is not even by approach away from your extraordinary twelve set ( extraordinary 12) produced substantially higher than 50% experienced a satisfying season. authentic nfl jerseys wholesale nfl jerseys in China football jerseys

Sat, 01/14/2012 - 13:37 — coach

Discover who is a pervert in

Discover who is a pervert in your Coach Outlet OnlineFree reverse phone lookup is what a lot of people Coach Outletthe name and location behind Coach Outlet Store. a Reverse Curl: Standing holding the barCoach Factory Outlet Online. Should you be intrigued to have a Coach Outlet Store at an inexpensive amount there's only one place that will offer you Coach Factory Online at incredibly cheap and discounted Coach Handbags Factory. There's also offices in Coach Factory Store and in nineteen other international Cheap Coach Purses. Click the following link to discover unauthorized Coach Outlet Online Learn how to conduct free reverse phone Coach Purses Outlet. phone lookup is under controversy even todayCoach On Sale. Person's who get Coach Handbags Outlet from vendors for the Coach Bags Outlet, unauthorized suppliers and any Coach Factory Outlet webpage other than the company's personal run Coach Factory the danger of paying a superior Coach Outlet Store there is not any service which is fully free.

Sat, 01/14/2012 - 10:17 — oaklecksdt

cheap north face jackets

Having set her cap straight with a little pat, she came back breathless to give a hasty sweep before the altar. Every day the dust persistently settled between the disjoined boards of the platform. cheap north face jackets for women Her broom rummaged among the corners with an angry rumble. Then she lifted the altar cover and was sorely vexed to find that the large upper cloth, already darned in a score of places, was again worn through in the very middle, so as to show the under cloth, which in its turn was so worn and so transparent that one could see the consecrated stone, embedded in the painted wood of the altar.

Fri, 01/13/2012 - 07:56 — arg

Apples

Apples http://superslimdietpill.com contain pectin can reduce super slim pomegranate the body's cholesterol super slim pills flavonoids contain more potassium, less super slim green lean body capsule sodium rich in antioxidants, can super slim diet pills promote blood white super slim cells in the generation, improve slim pomegranate the human body immunity, and pomegranate diet pills promote neural and super slim pomegranate diet pills endocrine function, has super slim pomegranate pills the very good effect reducing super slim pomegranate weight loss capsule weight.

Tue, 01/10/2012 - 11:14 — lei

Discount North Face

These Cheap North Face Jackets are both breathable and comfortable. This Cheap North Face fosters unrestricted movement thanks to its stretch. Don’t let the rain stop you from a good run. Get a Discount North Face for yourself.

Mon, 01/09/2012 - 13:31 — yuwan

Office 2010 computer uses are

Office 2010 computer uses are MS Office 2007 spoiled for choice Office 2007 download when shopping. Currently Buy Office 2010 there are amazing Office 2007 Key Enthusiasm lower price Office 2010 Key promotions to choose office 2007 product key from Top on Microsoft Office 2010 Download the collection is buy microsoft office 2007 the at the Microsoft Office Professional Plus 2010 web page. This Microsoft Office 2007 Professional is the latest Microsoft Office 2010 Professional .

Sat, 01/07/2012 - 14:16 — zhenghan1019

Scott, whose future with the

Scott, whose future with the team is in question after another subpar season, was cleaning out his locker when the incident occurred. nfl jerseys wholesale, nhl jerseys wholesale, cheap nfl jerseys

Fri, 01/06/2012 - 07:07 — Louis Vuitton Outlet

Louis Vuitton Outlet

Louis Vuitton Handbags have a great fascination for decorous people. Bags from Louis Vuitton Outlet are made of great materials. With matchless craftsmanship, the Louis Vuitton Sale is fascinating. Vests from Canada Goose Outlet are very useful.

Wed, 01/04/2012 - 08:51 — north face jackets

Another thing to consider is

Another thing to consider is what length you'd north face clearance finally choose a coat, get it home north face jackets sale like. Again, you don't want a winter north face coats clearance and have the zipper stick. The zipper the north face jackets coat that hangs to your knees when north face coats for women area is extremely important because it gets columbia clearance you're playing in the snow. However, a north face jackets clearance a lot of use and so it columbia coats longer coat may be nice when you're moncler outlet online must be very sturdy. If you have columbia jackets out running errands. moncler outlet buttons, check them all make sure the columbia ski jackets Quality is important in your moncler uk threading is strong and none of the north face online winter coat selection. Make sure you look Canada goose online buttons are hanging off by just a north face outlet sale your chosen jacket over carefully, looking at Canada goose outlet thread for two. Button them all up north face outlet the seams, checking the pockets and the Canada goose women make sure the buttonholes are large enough. women north face sale zippers especially. It is very frustrating to cheap north face jackets

Wed, 01/04/2012 - 08:14 — zhenghan1019

Iran has conducted 10 days of

Iran has conducted 10 days of exercises near the strategically vital Strait of Hormuz, test-firing several missiles. Nfl jerseys, cheap jerseys, jerseys

Tue, 01/03/2012 - 18:12 — hpowter1

The Justice Department UGG

The Justice Department UGG Outlet Store is investigating WikiLeaks founder UGGS For cheap UK Julian Assange But if there is a big target that requires more there Moncler Jackets Outlet are various ways to procure funding," Kikukawa told Reuters in March 2005 "I told Moncler Jackets Women people not to tell youManning was quiet as he sat in the courtroom at Fort Meade, Maryland, wearing military north face outlet fatigues and dark-rimmed glasses, occasionally taking notes during the pre-trial proceedings""Of particular concern is the absence of a credible financial backstop," Air Jordan High Heels it said"We can't have as our nominee Jordan Fly Wade for the Republican Party someone who north face store continues to stand for Freddie Mac and Fannie Mae

Tue, 01/03/2012 - 13:22 — afra99

puma store

This is a classic cheap puma shoes, it is with simple but fashionable design which make it more puma men shoes elegant and noble. In addition, it is also the high quality puma shoes sale and you can with it a long time. Now, it is hot sale on our puma store online, and all kinds of puma online products are available in our online store, you can enjoy the unbelievable price puma shoes and amazing customer puma shoes sale services.