Useful Links

Legal Resources You Can Use

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Links:  Below you will find  “useful links”  that are categorized by subject in a sortable table.   You can sort by category, description and link.  If you click on a link it will open a window to a website with the useful information on that subject.  Most “useful links” have a corresponding blog/article entry that helps explain how the information at the site can be useful.

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 Useful Links

Category Description Link
Attorneys Robert Russell -"Superb" rating AVVO – 10 out of 10 http://www.avvo.com/attorneys/98683-wa-robert-russell-19851.html
Attorneys Robert Russell – AVVO Client Testimonials http://www.avvo.com/testimonials…/
Attorneys Robert Russell – Attorney/Peer Endorsements http://www.avvo.com/attorneys/98683-wa-robert-russell-19851/endorsements.html
Bankruptcy Famous Bankruptcies http://www.amazon.com/They-Went-Broke…/
Bankruptcy Bankruptcy Filings 1995-2012 http://news.uscourts.gov/bankruptcy-filings…/
Bankruptcy Bankruptcy & The US Constitution – Wiki Info http://en.wikipedia.org/Bankruptcy…/
Bankruptcy Article: Bankruptcy & the Bible (#1) http://www.biblestudy.org/question/Bible-bk…/
Bankruptcy Article: Bankruptcy & the Bible (#2) http://www.christian-attorney.net/bible_bk.html
Bankruptcy Bankruptcy Statistics http://www.uscourts.gov/uscourts/Statistics…/
Bankruptcy Ch. 7 Debts Not Discharged (11 USC 523) http://www.doney.net/523…/
Bankruptcy Ch. 13 Debts Not Discharged (11 USC 1328) http://www.doney.net/1328…/
Bankruptcy Personal Property Exemptions (RCW 6.15.010) http://apps.leg.wa.gov/RCW/6.15.010
Bankruptcy Real Property Exemptions (RCW 6.13.030) http://apps.leg.wa.gov/RCW/6.13.030
Bankruptcy Wage Exemption (RCW 6.27.150) http://apps.leg.wa.gov/RCW/6.27.150
Bankruptcy 50 State Homestead & Other BK Exemptions http://www.legalconsumer.com/bankruptcy/laws/
Bankruptcy Western District of WA – Court  http://www.wawb.uscourts.gov/
Bankruptcy Local BK Rules – WDWA (Eff.: 12-1-14) http://www.wawb.uscourts.gov/…
Bankruptcy Local BK Rules – WDWA (Eff.: 12-1-14)  Redline http://www.wawb.uscourts.gov/…
Bankruptcy Federal Rules of BK Procedure (FRBP) http://www.law.cornell.edu/rules/frbp
BankruptcyX Ch. 7 Trustee Duties+ http://www.justice.gov/ust/file/handbook_for_chapter_7_trustees.pdf/download
BankruptcyX Residency – Exemptions http://exemptionsexpress.com/
BankruptcyX 9th Circuit Case Search http://www.gpo.gov/… search cases
Bankruptcy Means Test – UST – General http://www.justice.gov/ust/eo/bapcpa/means.htm
Bankruptcy Means Test – UST Position – 13 http://www.justice.gov/ust/ch13
Bankruptcy Means Test – UST Position – 7 http://www.justice.gov/ust/ch7
Bankruptcy Means Test – Housing – Washington Figures http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Washington-Local-Standards-Housing-and-Utilities
Bankruptcy Means Test – Transportation http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Local-Standards-Transportation
Bankruptcy Means Test – Food – Clothing- Other http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/National-Standards-Food-Clothing-and-Other-Items
Bankruptcy Means Test – Out of Pocket Healthcare http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/National-Standards-Out-of-Pocket-Health-Care
Bankruptcy Means Test – Median Income by State (2013) http://www.justice.gov/ust/eo/bapcpa/20131115/bci_data/median_income_table.htm
Bankruptcy Means Test – Allowed Expenses (2013) http://www.irs.gov/pub/irs-utl/all_states_housing_standards.pdf
Bankruptcy Tax Discharge Determinator https://www.taxdischargedeterminator.com/
Bankruptcy Tax Discharge  Analysis http://bankruptcytaxdischarge.com/…
Bankruptcy FHA Loss Mitigation During Bankruptcy http://portal.hud.gov/BK-HAMP
Bankruptcy Article: HAMP & Bankruptcy http://www.usfn.org/BK-HAMP
Bankruptcy Budget Worksheet by NFCC https://www.nfcc.org/consumer-tools/budget-worksheet/
BankruptcyX Article – How One Family Avoided it http://finance.yahoo.com/news/one-family-paid-off…
Chapter 13 13 Trustee's Website – Debtor -Case Access Instr http://www.chapter13tacoma.org/…
Chapter 13 13 Trustee's Website – Debtor -Case Login https://www.ndc.org/
Chapter 13 13 Trustee's Website – Attorney Document Upload https://www.13documents.com/login.php
Chapter 13 13 Trustee's Website – Send Payments http://www.chapter13tacoma.org/
Credit Report Free Credit Report – Equifax http://www.equifax.com/credit report…
Credit Report Free Credit Report – Transunion http://www.transunion.com/credit report…
Credit Report Free Credit Report – Free Annual https://www.annualcreditreport.com/cra/index.jsp
Credit Report FCRA – Fair Credit Reporting Act – FTC Links http://www.ftc.gov/os/statutes/fcrajump.shtm
Credit Report FCRA – Fair Credit Reporting Act http://www.ftc.gov/os/statutes/fcradoc.pdf
Credit Report FCRA – Credit Report – How long can items be reported? http://www.law.cornell.edu/uscode/text/15/1681c
Credit Report FCRA – Foreclosure – 7 years http://www.law.cornell.edu/…15/1681c
Credit Report FCRA – Various FTC Links http://www.ftc.gov/os/statutes/FTC
Credit Report FCRA – Info on 2003 – Consumer’s Union  http://www.consumersunion.org/FCRA
Credit Report FCRA Federal Trade Commission Opinion Letters http://www.ftc.gov/FRCA
Credit Report ARTICLE: FICO – How mortgage delinquencies affect credit scores http://bankinganalytics.fico.com/2011/03/research…
Consumer Protection WA Consumer Protection Act — RCW 19.86: Unfair practices http://apps.leg.wa.gov/rcw…19.86
Consumer Protection WA DOL – Look up a business/prof. http://www.dol.wa.gov/business/checkstatus.html
Condo WA RCW – Condo Act (64.34 RCW) http://apps.leg.wa.gov/RCW…64.34
Condo WA RCW – Condo Act –Release of Liens http://apps.leg.wa.gov/RCW…64.34.435
Condo WA RCW – Condo Act – Liens – General Provisions http://apps.leg.wa.gov/RCW…64.34.368
Calculators Calculators http://www.nfcc.org/FinancialEducation/calculators.cfm
CalculatorX Amortization https://www.nfcc.org/consumer-tools/calculators/
Debt Collection FDCPA – Fair Debt Collection Practices Act http://www.ftc.gov/FDCPA
ForeclosureZ FFA – WA Brochure (as of 7-2-14) http://www.dfi.wa.gov/documents/homeownership/foreclosure-fairness-act-brochure.pdf
ForeclosureZ FFA – WA – Guidelines & Info http://www.commerce.wa.gov/Documents/FFP-Guidelines-6-12-14.pdf
ForeclosureZ FFA-  WA DOC Website re: FFA http://www.commerce.wa.gov/Programs/housing/Foreclosure/Pages/default.aspx
Foreclosure FFA – Article:  WA DFI – Foreclosure Fairness Act Takes Effect http://housedemocrats.wa.gov/news/foreclosure-fairness-act-takes-effect-july-22/
Foreclosure FFA – Article:  WA Supreme Ct: MERS – can't FC w/o note http://www.housingwire.com/…2012/08/16/WASCourt…
Foreclosure FFA – Foreclosure Fairness Act http://www.wsba.org/Legal-Community/FFA…
Foreclosure WA  RCW 61.24.030(8)  CR's duties/Borrower's options http://apps.leg.wa.gov/RCW/default.aspx?cite=61.24.031
Foreclosure WA RCW – Nonjudicial FC – No Deficiency Jgmt http://apps.leg.wa.gov/RCW/…61.24.100
Foreclosure WA RCW – Judicial Foreclosure  (61.12 RCW) http://apps.leg.wa.gov/RCW…61.12
Foreclosure WA RCW –  Judicial Foreclosure – Deficiency http://apps.leg.wa.gov/RCW…61.12.070
Foreclosure WA RCW –  Judicial Foreclosure – Redemption http://apps.leg.wa.gov/RCW…6.23.020
FCIC Federal Citizen Information Center (FCIC) – Home http://www.gsa.gov/FCIC
FCIC Federal Citizen Information Center (FCIC) – Answers http://answers.usa.gov/FCIC Answers…
Garnishment WA Wage Garnishment – Overview http://www.ofm.wa.gov/gment-info
Garnishment Oregon Wage Garnishment http://www.oregon.gov/boli/TA/pages/t_faq_garnishments.aspx
Garnishment WA – Documents http://www.courts.wa.gov/forms/?fa=forms.contribute&formID=20
HOA WA RCW – Homeowner Assoc (64.38 RCW) http://apps.leg.wa.gov/RCW…64.38
HOA WA RCW – HOA Assessment Liens (RCW 64.34.364) http://apps.leg.wa.gov/RCW…64.34.364
HUD Mortgagee Letters http://portal.hud.gov/hudportal/Mortgagee Letters
HUD Mortgagee Letters http://portal.hud.gov/hudportal/Mortgagee Letters
Landlord Tenant Get Your Deposit Back http://www.washingtonlawhelp.org/resource/can-i-get-my-security-deposit-back?
Legal Research US Code PLUS – Govt. Printing Office http://www.gpo.gov/fdsys/search/advanced/advsearchpage.action
Legal Research US Code – Findlaw http://codes.lp.findlaw.com/uscode
Legal Research California Code – JudgmentsEnforcement http://codes.lp.findlaw.com/cacode/CCP/3/2/9/d2
Mort. Loan Mod. Sevicer Training – MHA:Tier 1 & 2 & HAFA https://www.hmpadmin.com/portal/HAMP1_presentation
Mort. Loan Mod. HAMP Eligibility – Tier 1 & 2 (pages 6-10) https://www.hmpadmin.com/…_presentation.pdf
Mort. Loan Mod. HAMP Information – General https://www.hmpadmin.com/portal/index.jsp
Mort. Loan Mod. HAMP Supplemental Directives https://www.nclc.org/home-affordable-modification-program-hamp/hamp-supplemental-directives.html
Mort. Loan Mod. Making Home Affordable – ALL PROGRAMS http://www.makinghomeaffordable.gov/programs…
Mort. Loan Mod. 9th Cir. reverses Wells Fargo HAMP dismissal http://www.housingwire.com/articles/9th-HAMP-rights
Mort. Loan Mod. Fannie Mae – Making Home Affordable Program https://www.makinghomeaffordable.gov/pages/default.aspx
Mort. Loan Mod. FHA-HUD HAMP qualifications – MLetter 2009-23 http://www.hud.gov/offices/…/09-23ml.doc
Mort. Loan Mod. FHA-HUD – Mortgagee Letter 2000-05 http://portal.hud.gov/hudportal/HUD?src=/program_offices/administration/hudclips/letters/mortgagee/2000ml
Mort. Loan Mod. Article: HAMP Tier 2 Explained http://www.huffingtonpost.com/anna-cuevas/…
Mort. Loan Mod. MHA Extension & Expansion – Supp Directive 12-02 https://www.hmpadmin.com//…
Mort. Loan Mod. MHA Non-GSE Handbook   https://www.hmpadmin.com//portal/programs/docs/hamp_servicer/mhahandbook
Short Sale Bulletin #2012-16 (<=$6K to subordinate liens) http://www.freddiemac.com/sell/guide/bulletins/pdf/bll1216.pdf
Short Sale Article: FICO – Short Sale http://www.fico.com/en/blogs/risk-compliance/how-do-short-sales-affect-a-fico-score/
Short Sale Oregon Association of Realtors http://www.oregonrealtors.org/
Short Sale FannieMae – Servicing Guide SVC-2012-19 http://www.ksefocus.com/billdatabase/clientfiles/172/4/1894.pdf
Short Sale HUD – PreForeclsoure Sales Program (2-8-13) portal.hud.gov/hudportal/documents/huddoc?id=nscpfsfaq.pdf
Short Sale HUD PFS FAQs http://portal.hud.gov/hudportal/HUDPFS FAQ
Short Sale Freddie Mac Standard Short Sale Info http://www.freddiemac.com/singlefamily/service/short_sales.html
Short Sale Freddie Mac – Overview for Real Estate Prof. http://www.freddiemac.com/singlefamily/pdf/ss_realtor.pdf
Short Sale Fannie Mae – Loan Workout Hierarchy https://www.fanniemae.com/content/guide/servicing/f/2/12.html
Short Sale BofA Cooperative http://homeloanhelp.bankofamerica.com/en/cooperative-short-sale.html
Short Sale HUD PFS – Mortgagee Letter 2008-43 http://www.hud.gov/…/08-43ml.doc
Spouse Liability Spouse Liability for Debt of Other Spouse http://apps.leg.wa.gov/RCW/default.aspx?cite=26.16.010
Spouse Liability Spouse Liability for Debts Incurred Before Marriage http://apps.leg.wa.gov/RCW/default.aspx?cite=26.16.200
WA RCW WA Statutes – Search http://search.leg.wa.gov/Search.aspx
WA Attorney General Washington State Attorney General – Homepage http://www.atg.wa.gov/
WA DFI WA DFI – Homepage http://www.dfi.wa.gov/
WA DOL Frequently asked questions: Real estate http://www.dol.wa.gov/business/realestate/refaq.html
WA DOL Short Sale Advisory http://www.dol.wa.gov/SS
WA DFI Short Sales – Seller Advisory http://www.dfi.wa.gov/SS
WA DOL Short Sale Guidance for Licenses http://dfi.wa.gov/sites/default/files/publications/short-sale-guidance.pdf
WA DFI Short Sale Guidance for Licenses http://dfi.wa.gov/sites/default/files/publications/short-sale-guidance.pdf
WA DFI Short Sale Seller Advisory for Washington Consumers http://www.dfi.wa.gov/sites/default/files/publications/short-sale-advisory.pdf
WA DOL Law of Real Estate Agency In WA http://apps.leg.wa.gov/rcw/default.aspx?cite=18.86.120
WA DOL DFI Laws and Rules re: Real Estate (Brokers etc.) http://www.dol.wa.gov/business/realestate/lawsrules.html
Tax Mortgage Forgiveness Debt Relief Act & DC 2007 http://www.irs.gov/Individuals/MFDRADC…
Tenant Protecting Tenant at Foreclosure Act http://www.fdic.gov/news/news/financial/2009/fil09056.html
FDIC FDIC Financial Institution Letters http://www.fdic.gov/news/news/financial/2009/index.html
OR ORS Nonjudicial Foreclosure – No Deficiency Judgment http://www.nolo.com/legal-encyclopedia/deficiency-judgments-after-foreclosure-oregon.html
RCW Unlawful Practice of Law (RCW 2.48.180) http://apps.leg.wa.gov/RCW/default.aspx?cite=2.48.180#
Real Estate Broker Licensed in WA? http://www.dfi.wa.gov/mortgage-brokers
WA DOL Managing Broker http://www.dol.wa.gov/business/realestate/renews.html
OR DOJ FAQs- Short Sale Negotiators & Foreclosure Consultants http://www.doj.state.or.us/…
Short Sale Freddie Mac Bulletin No. 2012-16 – SS Program http://www.freddiemac.com/…1216.pdf
SOL WA Statute of Limitations – Gnenral http://apps.leg.wa.gov/rcw/default.aspx?cite=4.16&full=true
SOL WA SOL – Conflict of Laws http://apps.leg.wa.gov/RCW/default.aspx?cite=4.18
Short Sale 3 year WA SOL http://apps.leg.wa.gov/rcw/default.aspx?cite=64.04.007
Foreclosure FFA – WA Foreclosure Mediation Toolkit http://www.everyoneiswelcome.org/housing/foreclosure/
MortgagZ Loan LookUp Tool – Freddie Mac   https://ww3.freddiemac.com/corporate/
Charity CareZ RCW Required Medical Cost Charity Care http://apps.leg.wa.gov/rcw/default.aspx?cite=70.170&full=true
Child SupportZ DCS Forms   http://www1.dshs.wa.gov/dcs/resources/forms.asp
Asset Protection Fraudulent Conveyance – RCW 19.40 http://apps.leg.wa.gov/rcw/default.aspx?cite=19.40
Consumer ProtectionZ National Mortgage Settlement Website http://www.nationalmortgagesettlement.com/
BankruptcyX National Consumer Bankruptcy Rights Center http://www.ncbrc.org/
BankruptcyX National Association of Consumer Bankruptcy Attorneys http://nacba.org/
CourtsX Court Rules – WA Superior http://www.courts.wa.gov/sueprior court_rules
CourtsX Court Rules – Clark County Superior http://www.clark.wa.gov/courts/superior/documents/LOCALRULES.pdf