CA Newport Beach Litigation Attorney, Lawsuits Disputes Attorney, Rydstrom, Civil Business Real Estate Foreclosure Bank Litigation Serious Personal Injury Homeowner Foreclosure Defense Litigation CA Defense, VSO ADR Settlement of Disputes Lawsuits Los Angles Orange County San Deigo CA, HAMP denial litigation, trial period mod denial, newport beach, banks, servicers



Sign Up Today!

* required


Email Marketing by VerticalResponse


Consumer Rights, Business, Litigation Employment and Real Estate Attorney and Lawyer in Newport Beach, Aliso Viejo and Orange, California - Orange County, California, with law offices to serve all Southern California Cities, including: Irvine, Santa Ana, Newport Beach, Costa Mesa, Orange, Huntington Beach, Anaheim, Fullerton, Mission Viejo, Laguna Hills, Laguna Niguel, Lake Forest, Orange, Long Beach, Riverside, Corona, Riverside, San Diego, Los Angeles, Los Feliz, Hollywood, Encino, Brentwood, Beverly Hills, Santa Monica, Northern California, and all of California.

eNewsletter: Homeowner Rights re HAMP NPV eLetter
HAMP MOD NPV newsletter

Free Initial Case Consultation for Southern California Residents: email your question and contact information to:
1-877-946-4968 or Email

In the News:

Ca Attorney Richard Rydstrom In the New:

West Appeal Wins HAMP Wigod Rights to Sue in OC; Demurrer Opposition Complaint and Appeal Brief by Attorney Rich Rydstrom

2013 News Article: New California Bill of Rights may Trigger Homeowner Lawsuits with Statutory Damages of
$50,000 or Treble Actual Damages! Ca New Bill of Rights $50,000 Damages Article Attorney  Richard Rydstom

9-2012 CA State Court HAMP Negligence: Attorney Rich Rydstrom upholds borrowers right to sue for HAMP NEGLIGENCE PER SE against CITIMortgage and KASIER Federal Bank in State Court per Wigod 2012, In Re BOA, Ansanelli, Allen, Bosque, Durmic, Turbeville, etc. and in another state court case per Biakanja and Ansanelli. See Below

Sept 2012 CA Attorney Rich Rydstrom upholds FAC against Citi and Kaiser for Fraud-Mods, Misrep., Wrongful Foreclosure (and CR Title), Unfair Business Practices, Breach of Mod Contract, Promissory Estoppel, Conspiracy to Defraud, Negligence Per Se (Citi, Kaiser); for Client SB Librarian: Ca Homeowner Lawsuit Upheld HAMP, UCL, Fraud, Breach of Contract, Negligence

9-2012 Rich Rydstrom, Esq. upholds Complaint for Los Angeles Entertainment Photographer in OC Superior Court for Violations of HAMP,  Fraud-Mod, Unfair Business Practices, HAMP NEGLIGENCE (Biakanja and Ansanelli), RFDCPA, Promissory Estoppel,  etc. Ca HAMP Lawsuit Upheld Attorney Rich Rydstrom

August 2012 Attorney Rich Rydstrom Freezes Bank Foreclosure in CA winning a Preliminary Injunction for Disabled  (Discrimination; Wrongful Foreclosure; CA Unfair Business Practices]  Ca HAMP Lawsuit for Disabled Upheld by Attorney Rich Rydstrom

Aug. 2012 Interview of Rich Rydstrom  8 2012 “Mystery of FHFA Rich Rydstrom Rick Sharga MortgageOrb Hall” FHFA Article National Mortgage Foreclosure Issues

Rich Rydstrom, Esq. receives AVVO OC Metro 2012 “Top Attorney” Awards in areas of  Litigation, Real Estate and Business!  Ca Attorney Rich Rydstrom Top Rated Attorney Avvo Awards

Los Angeles Judges award
Certificate of Appreciation to Rich Rydstrom, Esq. as VSO for work as ADR Neutral Settlement Officer in LA Courts  Ca Attorney Rich Rydstrom Receives Settlement Award  re Los Angeles Judges

Attorney Rich Rydstrom Wins Back to Back HAMP Remands; Proves Violations of HAMP Modification Standards Belong in State Court!

Military HAMP SCRA Rights: US Naval Reservist Sues for Wrongful Foreclosure;  Wrongful Denial of HAMP Mod;  Wrongful Charging of Insurance Premiums; Attorney Rich Rydstrom  Wins Remand for US Naval Reservist with HAMP and SCRA Claims! ORDER OF THE COURT Ca Naval Reservist HAMP SCRA REMAND Order
Remand SCRA HAMP REMAND MOTION  Naval Borrower Remand Motion by Attorney Rich Rydstrom

June 2012 Attorney Rich Rydstrom Files HAMP & SCRA Remand for Navy Militaryman Reply Brief  Ca SCRA HAMP Remand Motion Filed

June 2012 Legal Case News: Attorney Rich Rydstrom Wins Federal  HAMP Remand in Quest to Litigate HAMP Violations for Homeowner in Ca State Court!  Ca Federal HAMP Remand Order  --
HAMP Remand Ca HAMP Remand
Opposition Strike  Ca Federal Opposition Motion Strike HAMP Complaint
Opposition Dismiss Ca Federal HAMP Opposition Motion Dismiss by Attorney Rich Rydstrom

June 2012 Rich Rydstrom Interview re Ca AG Harris re National Banking Settlement
Ca Attorney Rich Rydstrom Interview re AG Harris

April 2012 New CA Foreclosure, Modification & Title Laws; AG Harris ; Ca New Foreclosure Mod Laws

March 2012 Rich Rydstrom on FHFA (DeMarco) Resistance to GSE HAMP Principal Reduction Modifications: Interview of Rich Rydstrom re FHFA DeMarco Principal Reductions

Landmark Wigod Case Supports HAMP Trial Mod Violation Lawsuits in State Court
Ca Attorney Rich Rydstrom Interview re HAMP WIGOD case

2012 Rich Rydstrom on the New AG Mega Foreclosure HAMP Modification Settlement 
Ca Interview Rich Rydstrom re AG Settlement

2012 New Foreclosure HAMP Consent Enforcement; Rich Rydstrom on Governor Raskin Fines  Ca Interview Rich Rydstrom re Govenor Raskin Foreclosure HAMP Enforcement 

2012 Richard Rydstrom on President Obama’s New HARP Short Payoff Refinance Program Ca Interview Rich Rydstrom re President Obama’s HARP Short Refi Program

2012 Rich Rydstrom on Foreclosure Timelines & Judicial Waste  Ca Interview Rich Rydstrom on Foreclosure Timelines and Court Waste

Year after Year Rich Rydstrom chosen as Industry Expert: 2010-2011 Attorney Rich Rydstrom chosen by Mortgage Banking Servicing Industry as expert in Year in Review - Ca Rich Rydstrom Chosen as National Expert
The Foreclosure-Gate Freeze & Litigation Trigger by Richard Ivar Rydstrom, Wednesday 20 October 2010 - MortgageOrb - Ca Interview Rich Rydstrom Foreclosure Gate Freeze

Rich Rydstrom on Future of Mortgage Foreclosure Modification Crisis - Ca Rich Rydstrom Interview Foreclosure Modification Crisis

Business Law & Ethics of HAMP Modifications by Rich Rydstrom NBI CMIS AFN  Ca Rich Rydstrom NBI CLE Program re Law Ethics of HAMP Mods

More Interviews & Articles Rich Rydstrom Articles

HAMP Handbook 3.3 Regs HAMP Handbook 3.3

Interviews of Rich Rydstrom Mortgage Orb Interviews



Borrower Rights to Sue for HAMP Violations in State Court Using HAMP

Interview of Attorney Richard Rydstrom by Phil Hall

Re Litigation Update: Do we have a new landmark decision that could open the flood gates to HAMP violation lawsuits? Case Review of Wigod v. Wells Fargo Bank (7th Circuit; No. 11-1423; Mar. 7 2012)

I spent several years, from its inception, working on HAMP and foreclosure policy with the industry, consumers and the U.S. Treasury. Many courts have simply denied borrowers redress for wrongful HAMP modifications by holding that HAMP did not create a private right of action; and distinguishing long standing laws, cases and canons of interpretation, along with a sprinkling of assumptions.

The Wigod case may open the flood gates to lawsuits using HAMP violations as elements of state torts, in state court actions. The Honorable HAMILTON penned a 75 page master analysis of the use of federal violations in state court claims.  The court explains that … HAMP violations of federal law are elements of state law claims, which are not pre-empted by federal law, effectively because HAMP did not supply a private right of action. This decision is a well-reasoned corollary of the now old winning defense argument that; you can’t sue for HAMP violations because HAMP did not express create a private right of action.  The court goes on to say that “There is no indication that Congress meant to foreclose suits against servicers for violating state laws that impose obligations parallel to those established in a federal program [page 60].  The court correctly notes that the Treasury HAMP program in Supplemental Directive 09-01 states that “…servicers must implement the program in compliance with state common law and statutes.” [page 61] 

The court pushed aside the defense “End-Run” theory. Banks/servicers have been arguing that plaintiffs may not proceed with “HAMP claims in disguise” [as] … an “impermissible end-run around the lack of a private action in [the 2008 Act] and HAMP.” [page 61]  The court dispelled the end-run theory that was built on the idea that where Congress did not create a private right of action for a violation of federal law (HAMP), then no right of action may exist under state law. The court goes on to say: “The issue here, however, is not whether federal law itself provides private remedies, but whether it displaces remedies otherwise available under state law. The absence of a private right of action from a federal statute provides no reasons to dismiss a claim under a state law just because it refers to or incorporates some element of the federal law.” [page 63]

It has long been accepted that “the interpretation of” federal law issues (such as the notice statute in the federal tax law) was an “essential element of [plaintiff’s] quiet title claim); Merrell Dow Pharmaceuticals, Inc. v. Thompson, 478 U.S. 804, 805-07 (1986) (violation of federal labeling requirements in the Federal Food, Drug, and Cosmetic Act created a rebuttable presumption of negligence, and proximate case under state tort law); Moore v. Chesapeake & Ohio Ry., 291 U.S. 205, 214-15 (1934)…” The court goes on to point out that “In none of these [jurisdiction] cases has the Supreme Court even suggested that the absence of a private right of action under a federal statute would prevent state law from providing a cause of action based in whole or in part on violations of the federal law.”[page 64]  The court concludes that a violation of federal law (HAMP regulations, practices and procedures) are proper to support elements of state law claims. In fact, the court states that such violations can support negligence per se (Kentucky worker’s compensation statute provided that employer railroad’s violation of Federal Safety Appliance Acts would constitute negligence per se under state law).

Stay tuned, as best practices now will take on a whole new meaning.

Richard Rydstrom, Esq.  1-877-WIN-4-YOU

Copyright 2012 Richard Rydstrom

Free Initial Case Consultation for Southern California Residents: email your question and contact information to:
1-877-946-4968 or Email

In the News:

Attorney Richard Rydstrom In the News:

2012 Rich Rydstrom on the New AG Mega Foreclosure Modification Settlement 
Click Here

2012 New Foreclosure Consent Enforcement; Rich Rydstrom on Governor Raskin Fines  Click Here 

About Attorney Richard Ivar Rydstrom:

With more than 21 years of legal experience, Rydstrom is rated Superb, 10 out of 10 by Avvo – the world’s largest rating directory of lawyers. He has vast experience representing plaintiffs, defendants, homeowners and mortgage banking institutions. Richard is considered a national expert by the mortgage banking industry.  When the U.S. Treasury was establishing national policy on mortgage modifications and foreclosures for President Obama’s Home Affordable Modification Program (HAMP), Rydstrom served on the official working groups with the American Legal & Financial Network (AFN), MBA, consumer groups and banking institutions. When the 110th Congress wanted a neutral analysis of the predictive mortgage finance meltdown, Rydstrom was chosen to give an official Statement to the House Ways & Means Committee. When the AFN wanted to educate its mortgage banking servicers on the U.S. Treasury’s first HAMP outline, they chose Rydstrom.

    Some significant distinctions include:

    •Published in a Statement to the 110th Congress, House Ways & Means Committee, Chairman Charles Rangel
    •Considered a national expert in mortgage banking and related foreclosures
    •Honorary member of the American Legal and Financial Network (AFN)
    •Chairman of CMIS (Coalition for Mortgage Industry Solutions)
    •Member of the HAMP Policy Working Groups (AFN, Treasury, etc.)
    •CLE speaker and educator for attorneys, judges, banks, servicers, accountants and financial advisors  for the National Business Institute (NBI)
    •Frequent keynote speaker, panelists, and moderator at national conferences and webinars including the AFN, NBI, CMIS, CMBA
    •Voluntary Settlement Officer (VSO) for all Los Angeles courts

Free Initial Consultation:
1-877-946-4968 or Email

California Attorney at Law
Real Estate, HAMP, Business & Litigation
Richard Ivar Rydstrom
4695 MacArthur Court,11th Floor,
Newport Beach, Ca 92660

avvo foreclosure rrr
avvo 10 10 sub 2011
aaj logo trial lawyer litigation










Aliso Viejo Foreclosure Lawyers
Mission Viejo Foreclosure Lawyers
Tustin Foreclosure Lawyers
Irvine Foreclosure Lawyers
Newport Beach Foreclosure Lawyers
Anaheim Foreclosure Lawyers
Bakersfield Foreclosure Lawyers
Chula Vista Foreclosure Lawyers
Compton Foreclosure Lawyers
Concord Foreclosure Lawyers
Corona Foreclosure Lawyers
El Cajon Foreclosure Lawyers
Escondido Foreclosure Lawyers
Fontana Foreclosure Lawyers
Fremont Foreclosure Lawyers
Fresno Foreclosure Lawyers
Fullerton Foreclosure Lawyers
Garden Grove Foreclosure Lawyers
Glendale Foreclosure Lawyers
Hayward Foreclosure Lawyers
Huntington Beach Foreclosure Lawyers
Inglewood Foreclosure Lawyers
Irvine Foreclosure Lawyers
Lancaster Foreclosure Lawyers
Long Beach Foreclosure Lawyers
Los Angeles Foreclosure Lawyers
Modesto Foreclosure Lawyers
Moreno Valley Foreclosure Lawyers
North Hollywood Foreclosure Lawyers
Oakland Foreclosure Lawyers
Oceanside Foreclosure Lawyers
Ontario Foreclosure Lawyers
Orange Foreclosure Lawyers
Oxnard Foreclosure Lawyers
Palmdale Foreclosure Lawyers
Pasadena Foreclosure Lawyers
Pomona Foreclosure Lawyers
Rancho Cucamonga Foreclosure Lawyers
Riverside Foreclosure Lawyers
Sacramento Foreclosure Lawyers
Salinas Foreclosure Lawyers
San Bernardino Foreclosure Lawyers
San Diego Foreclosure Lawyers
San Francisco Foreclosure Lawyers
San Jose Foreclosure Lawyers
San Mateo Foreclosure Lawyers
Santa Ana Foreclosure Lawyers
Santa Barbara Foreclosure Lawyers
Santa Rosa Foreclosure Lawyers
Stockton Foreclosure Lawyers
Sunnyvale Foreclosure Lawyers
Torrance Foreclosure Lawyers
Vallejo Foreclosure Lawyers
Van Nuys Foreclosure Lawyers
Whittier Foreclosure Lawyers


Aliso Viejo Foreclosure Attorney
Mission Viejo Foreclosure Attorney
Tustin Foreclosure Attorney
Irvine Foreclosure Attorneys
Newport Beach Foreclosure Attorneys
Anaheim Foreclosure Attorney
Bakersfield Foreclosure Attorney
Chula Vista Foreclosure Attorney
Compton Foreclosure Attorney
Concord Foreclosure Attorney
Corona Foreclosure Attorney
El Cajon Foreclosure Attorneys
Escondido Foreclosure Attorneys
Fontana Foreclosure Attorneys
Fremont Foreclosure Attorneys
Fresno Foreclosure Attorneys
Fullerton Foreclosure Attorneys
Garden Grove Foreclosure Attorneys
Glendale Foreclosure Attorneys
Hayward Foreclosure Attorneys
Huntington Beach Foreclosure Attorneys
Inglewood Foreclosure Attorneys
Irvine Foreclosure Attorneys
Lancaster Foreclosure Attorneys
Long Beach Foreclosure Attorneys
Los Angeles Foreclosure Attorneys
Modesto Foreclosure Attorneys
Moreno Valley Foreclosure Attorneys

North Hollywood Foreclosure
Oakland Foreclosure Attorneys
Oceanside Foreclosure Attorneys
Ontario Foreclosure Attorneys
Orange Foreclosure Attorneys
Oxnard Foreclosure
Palmdale Foreclosure
Pasadena Foreclosure Attorneys
Pomona Foreclosure Attorneys
Rancho Cucamonga Foreclosure Attorneys
Riverside Foreclosure Attorneys
Sacramento Foreclosure Attorneys
Salinas Foreclosure Attorneys

San Bernardino Foreclosure Attorneys
San Diego Foreclosure Attorneys
San Francisco Foreclosure
San Jose Foreclosure Attorneys
San Mateo Foreclosure Attorneys

Santa Ana Foreclosure
Santa Barbara Foreclosure Attorneys
Santa Rosa Foreclosure Attorneys
Stockton Foreclosure Attorneys
Sunnyvale Foreclosure Attorneys
Torrance Foreclosure Attorneys
Vallejo Foreclosure Attorneys
Van Nuys Foreclosure
Whittier Foreclosure Attorneys

Aliso Viejo wrongful foreclosure
Mission Viejo wrongful foreclosure
Tustin Foreclosure wrongful foreclosure
Irvine Foreclosure wrongful foreclosure
Newport Beach Foreclosure wrongful foreclosure
Anaheim Foreclosure wrongful foreclosure
Bakersfield Foreclosure wrongful foreclosure
Chula Vista Foreclosure
wrongful foreclosure
Compton Foreclosure wrongful foreclosure

Concord Foreclosure
wrongful foreclosure
Corona Foreclosure wrongful foreclosure
El Cajon Foreclosure wrongful foreclosure
Escondido Foreclosure wrongful foreclosure
Fontana Foreclosure wrongful foreclosure

Fremont Foreclosure
wrongful foreclosure
Fresno Foreclosure wrongful foreclosure
Fullerton Foreclosure wrongful foreclosure
Garden Grove Foreclosure wrongful foreclosure
Glendale Foreclosure wrongful foreclosure
Hayward Foreclosure
wrongful foreclosure
Huntington Beach Foreclosure
wrongful foreclosure
Inglewood Foreclosure
wrongful foreclosure
Irvine Foreclosure wrongful foreclosure
Lancaster Foreclosure wrongful foreclosure
Long Beach Foreclosure wrongful foreclosure

Los Angeles Foreclosure
wrongful foreclosure
Modesto Foreclosure wrongful foreclosure
Moreno Valley Foreclosure wrongful foreclosure
North Hollywood Foreclosure wrongful foreclosure
Oakland Foreclosure wrongful foreclosure

Oceanside Foreclosure
wrongful foreclosure
Ontario Foreclosure wrongful foreclosure
Orange Foreclosure wrongful foreclosure
Oxnard Foreclosure wrongful foreclosure
Palmdale Foreclosure
wrongful foreclosure
Pasadena Foreclosure wrongful foreclosure
Pomona Foreclosure wrongful foreclosure
Rancho Cucamonga wrongful foreclosure
Riverside Foreclosure wrongful foreclosure
Sacramento Foreclosure wrongful foreclosure
Salinas Foreclosure
wrongful foreclosure
San Bernardino Foreclosure wrongful foreclosure
San Diego Foreclosure wrongful foreclosure
San Francisco Foreclosure wrongful foreclosure
San Jose Foreclosure wrongful foreclosure
San Mateo Foreclosure wrongful foreclosure
Santa Ana Foreclosure wrongful foreclosure
Santa Barbara Foreclosure wrongful foreclosure
Santa Rosa Foreclosure wrongful foreclosure
Stockton Foreclosure wrongful foreclosure
Sunnyvale Foreclosure wrongful foreclosure
Torrance Foreclosure wrongful foreclosure

Vallejo Foreclosure
wrongful foreclosure
Van Nuys Foreclosure wrongful foreclosure

Whittier Foreclosure
wrongful foreclosure


Aliso Viejo wrongful HAMP mod denial
Mission Viejo wrongful HAMP mod denial

Tustin Foreclosure
wrongful HAMP mod denial
Irvine Foreclosure wrongful HAMP mod denial
Newport Beach wrongful HAMP mod denial
Anaheim wrongful HAMP mod denial
Bakersfield wrongful HAMP mod denial
Chula Vista wrongful HAMP mod denial
Compton wrongful HAMP mod denial
Concord wrongful HAMP mod denial
Corona wrongful HAMP mod denial
El Cajon wrongful HAMP mod denial
Escondido wrongful HAMP mod denial
Fontana wrongful HAMP mod denial
Fremont wrongful HAMP mod denial
Fresno wrongful HAMP mod denial
Fullerton wrongful HAMP mod denial
Garden Grove wrongful HAMP mod denial
Glendale wrongful HAMP mod denial
Hayward wrongful HAMP mod denial
Huntington Beach wrongful HAMP mod denial 
Inglewood wrongful HAMP mod denial
Irvine wrongful HAMP mod denial
Lancaster wrongful HAMP mod denial
Long Beach wrongful HAMP mod denial
Los Angeles wrongful HAMP mod denial
Modesto wrongful HAMP mod denial
Moreno Valley wrongful HAMP mod denial
North Hollywood wrongful HAMP mod denial
Oakland wrongful HAMP mod denial
Oceanside wrongful HAMP mod denial
Ontario wrongful HAMP mod denial
Orange wrongful HAMP mod denial
Oxnard wrongful HAMP mod denial
Palmdale wrongful HAMP mod denial
Pasadena wrongful HAMP mod denial
Pomona wrongful HAMP mod denial
Rancho Cucamonga wrongful HAMP mod denial
Riverside Foreclosure wrongful HAMP mod denial

Sacramento Foreclosure
wrongful HAMP mod denial
Salinas Foreclosure wrongful HAMP mod denial
San Bernardino wrongful HAMP mod denial
San Diego wrongful HAMP mod denial
San Francisco wrongful HAMP mod denial
San Jose wrongful HAMP mod denial
San Mateo wrongful HAMP mod denial
Santa Ana wrongful
HAMP mod denial
Santa Barbara wrongful HAMP mod denial
Santa Rosa wrongful HAMP mod denial
Stockton wrongful HAMP mod denial
Sunnyvale wrongful HAMP mod denial
Torrance wrongful HAMP mod denial
Vallejo wrongful HAMP mod denial
Van Nuys wrongful HAMP mod denial
Whittier wrongful HAMP mod denial




[CA Attorney OC] [Articles] [Practice Areas] [CA Injury Attorney] [Ca Employment] [Ca Litigation Attorney] [CA Business] [Ca Foreclosure] [HAMP 2MP BK] [Ca Real Estate Attorney] [CA Franchise]

All Rights Reserved in Trademark, Copyright, etc. 1990-2015
 Privacy & Unsubscribe Policy | Sitemap Site Links | Knowledge Base | Site Link Map

Ca Attorney serving California cities: Aliso Viejo, Anaheim, Anaheim Hills, Beverly Hills, Brea, Brentwood, Buena Park, Burbank, Canoga Park, Capistrano Beach, Carlsbad, Cerritos, Chino Hills, Corona Del Mar, Coronado, Costa Mesa, Laguna Hills, Laguna Beach, Santa Ana, Orange, Anaheim, Tustin, Long Beach, Mission Viejo, Newport Beach, Laguna Beach, Tustin, San Diego

WARNING: DISCLOSURE: NO ATTORNEY CLIENT RELATIONSHIP IS FORMED BY VIEWING THIS WEBSITE OR ITS ARTICLES, OR CONTACTING ATTORNEY. ALL CLIENTS MUST HAVE A WRITTEN SIGNED AND PAID LEGAL RETAINER WITH ATTORNEY TO BECOME A CLIENT. ATTORNEY IS LICENSED IN CALIFORNIA AND CAN ADVISE ONLY CALIFORNIA RESIDENTS OR ON CALIFORNIA ISSUES. FREE CONSULTATION IS LIMITED TO NO MORE THAN 15 MINUTES BY PHONE OR EMAIL PER THE SOLE DISCRETION OF ATTORNEY; THERE IS NO OBLIGATION TO MEET IN PERSON OR HAVE A TELEPHONE CALL OR CONFERENCE; TOPICS AND ISSUES ARE WITHIN SOLE DISCRETION OF ATTORNEY; ATTORNEY DOES NOT HAVE TO GRANT A FREE INITIAL CONSULTATION ON ALL ISSUES OR TOPICS; ATTORNEY DOES NOT GRANT FREE INITIAL CONSULTATIONS FOR THOSE WHO FAIL OR REFUSE TO COOPERATE WITH LAW OFFICE IN ANY WAY INCLUDING FAILING OR REFUSING TO SEND REQUESTED DOCUMENTS BY EMAIL OR FAX. User of this site, potential clients, and clients acknowledge that they will not rely on this website or articles, or interviews in making a final decision to retain attorney, but will interview with attorney and decide thereafter.  No promises of the outcome are made including winning or losing any case expressly or impliedly from this website, articles, interviews, phone number (1-877-WIN-4-YOU, website 877Win-4-You,  or relationships with the mortgage banking or foreclosure industry or its members from attorney.  We do NOT send out solicitations to the public to join lawsuits.

WARNING:  TERMS OF USE: BY USE OF THIS WEBSITE, YOU AGREE TO THESE TERMS; AND OTHER CONDITIONS AS SET FORTH HEREIN. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. REPRESENTATION IS BY WRITTEN LEGAL RETAINER ONLY. LIMITATIONS OF USE OF SITE: YOU MAY NOT RELY ON SITE INFORMATION, ARTICLES OR LINKS AS LEGAL, TAX OR FINANCIAL ADVICE. YOU MUST HIRE AN ATTORNEY TO ADVISE YOU AS TO YOUR UNIQUE FACTS AND CIRCUMSTANCES. LEGAL NOTICE: This web site and any of its articles are not legal, tax or financial advice, and you may not rely on it for same. This is a brief non exhaustive newsworthy article and may be deemed an advertisement from the State Bar. All Rights Reserved ©1999-2012 Richard I. Rydstrom.

IRS CIRCULAR 230 DISCLOSURE NOTICE: To ensure compliance with IRS requirements, we inform you that any U.S. federal tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purposes of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.