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Unlike similar legal fields such as bankruptcy, foreclosure is rarely a full-time practice and is often handled by real estate attorneys or legal-aid-services agencies. Still, more than 3 million property foreclosures were filed in the U.S. last year; South Florida is expected to see more than 150,000 this year, compared to fewer than 25,000 three years ago. And while mortgage modifications had been on the upswing in recent months, the Boston-based National Consumer Law Center reported this week that many large banks and other mortgage servicers have decided it's cheaper to foreclose than...
That specter of judicial paralysis helped spur UM law professor Michael Froomkin to create the foreclosure-defense program. It places fledgling attorneys like Paschal with legal-aid-service organizations to help tackle the backlog of cases - more than 50,000 foreclosure filings so far this year in Miami-Dade County alone. Many homeowners don't know what legal defenses are available to them as they battle lenders to keep their properties - or at least make foreclosure less painful and less costly. "Potentially, one of the most significant [defenses] is that the lender, because so many home loans were securitized during...
...frequent lender practices like exorbitant escrow claims. "Homeowners who have lawyers are usually prevailing in those cases," says Lombardi. But she notes that unless homeowners fall below the federal poverty line ($22,000 for a family of four), they can't qualify for the free legal aid that agencies like hers provide. That creates an obstacle for most foreclosure defendants, who aren't impoverished but because of job loss and other circumstances that brought them to the brink of losing their home, often can't afford a lawyer...
Still, law schools like Miami's may be one of the best untapped sources. Other programs, like Yale Law School's ROOF Project, also send students into local communities to aid foreclosure cases, but UM's is one of the first to create a paid fellowship. It also makes sense, says Paschal, since so many law firms today are trimming costs by delaying the start date for new hires by a year or more. That gives law grads time to pursue this kind of work - whose complexity, Paschal adds, is ideal for cutting young legal teeth. Says Froomkin...
...Gaza Strip has been under an Israeli blockade since 2007, when the Islamist group Hamas took control of the territory. The blockade has crippled Gaza's economy, leaving 85% of the population dependent on humanitarian aid to survive. At sea, fishermen are restricted to three nautical miles from the coast, creating a crowded, overfished shoreline. "The big fish can be found after six miles, but the fishermen cannot go that far, so they catch what's available," says Mohamed al-Hissi, who serves as a liaison for fishermen affairs at the General Syndicate of Marine Fishers in Gaza City...