As part of federal and state relief programs created during the COVID-19 pandemic, many American households received pauses on their largest debts, particularly on mortgages and student loans. Other people may have come to agreements with their lenders, likewise pausing or altering payment on...

This Essay previews a larger work appearing at 83 U. Civ. L. Rev. 1155 that explores the use of third party property management companies by mortgage lenders and servicers. Specifically, this Essay discusses a wave of litigation spanning 30 states and touching the lives of many American...

During the housing crisis banks were confronted with a previously unknown number mortgage foreclosures, and even as the height of the crisis has passed lenders are still dealing with a tremendous backlog. Overtime lenders have increasingly engaged third party contractors to assist them in...

Modern mortgage law is designed for a world that no longer exists. The residential mortgage transaction of today looks nothing like it did during the formative period when the property laws governing mortgages were developed. What was once a local dealing between two individuals and largely for...