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...there is little reason to believe that Fannie's move is going to immediately spark a wave of me-too programs. Cheryl Lang, CEO of Integrated Mortgage Solutions, a firm that helps manage repossessed houses, says she's seen some interest in the concept, but companies are hesitant to implement it for fear of the legal consequences. "Once a lender takes possession, if there's a mold issue or Chinese drywall, whatever the problem is with that house, whether or not the lender is aware of it, that's a liability," says Lang. She recalls being on a panel sponsored...

Author: /time Magazine | Title: Renting Your House Back: A Solution to Foreclosures? | 11/12/2009 | See Source »

...preferred response. A recent presentation by the head of Chase's retail-financial-services division showed that the company's servicing portfolio went from having about 52,000 repossessed homes in September 2008 to some 30,000 in September 2009. Over that period, the average price at which the firm sold houses from that stock dropped from $175,000 to $150,000. (See how to plan for retirement...

Author: /time Magazine | Title: Renting Your House Back: A Solution to Foreclosures? | 11/12/2009 | See Source »

Since then, e-mail has played an increasingly important role in prosecutions. Unlike wiretaps, e-mails eliminate the problem of entrapment. They are records of what someone was saying voluntarily, on their own. Accounting firm Arthur Andersen was indicted for its role in Enron's financial fraud in part because of an e-mail that told employees to eliminate any unnecessary paperwork. A shredding party ensued. In the Martha Stewart insider-trading case, jurors said one of the more damaging pieces of evidence had to do with the fact that Stewart tried to alter an e-mail that had been...

Author: /time Magazine | Title: The Bear Stearns Verdict: A Blow to E-Mail Prosecutions | 11/12/2009 | See Source »

...hostage off the coast of Somalia for the past six weeks. The pirates have demanded a ransom of $4 million, far more than the $1.2 million reportedly paid to release another Spanish trawler that was hijacked in April 2008. There have been reports - though no confirmation - from Echebaster, the firm that owns the Alakrana, that the company would be willing to pay the amount. But for the moment, their willingness is largely irrelevant...

Author: /time Magazine | Title: Pirate Capture Complicates Hostage Issue | 11/11/2009 | See Source »

...which is running a reader poll on the question - are asking why Spain got itself in this position in the first place. "Less than 50% of the pirates caught at sea are actually taken away," says Stephen Askins, a maritime lawyer at Ince and Co., a London-based firm that specializes in international trade. "There's a 'capture and release' policy in a lot of these cases. So it's not clear why, given the circumstances, that the Spanish would have chosen to complicate the situation by extraditing these...

Author: /time Magazine | Title: Pirate Capture Complicates Hostage Issue | 11/11/2009 | See Source »

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