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Attorney Cody J. Harding

Attorney Cody J. Harding


Cody J. Harding is a Brooklyn-based attorney who supports startups and local businesses. His law firm serves growing companies, specializing in commercial transactions, intellectual property, and business consulting. Before starting his private practice, Cody served as a Deputy Attorney General for the Commonwealth of Pennsylvania, where he represented Pennsylvania's state agencies. Additionally, Cody has worked as an associate with an international law firm's New York City office. Cody graduated from the University of Pittsburgh School of Law where he was a staff editor of the Pittsburgh Journal of Technology Law & Policy.

All ArticlesDebtsHousing

Articles written by Attorney Cody J. Harding

Notice of Default and the Foreclosure Process

A Notice of Default is your mortgage lender’s way of telling you that you have one last chance to address overdue mortgage payments before your lender will foreclose on your home. Once you've received a notice of default you’ll want to act quickly to take advantage of options available to you. Below, we will explain how to understand the information contained within this notice and the steps you should take if/when you receive one.

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How Mortgage Relief Programs Can Help You

Mortgage relief programs are available to assist those who are struggling to make payments on their home loans. These programs are usually developed in response to significant downturns in the economy. In recent decades, the federal government has expanded protections for borrowers and developed more programs to assist struggling homeowners. With the impact of the coronavirus pandemic, both federal and state governments have added more protections very recently.

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Foreclosure Defenses

When facing an impending foreclosure, there are actions you can take to defend yourself from a negative outcome. Learn how to build a defense that you can use in court and how to negotiate with a lender for a more manageable mortgage payment. Also find out if filing for bankruptcy could help you keep your house.

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Judicial Foreclosure: An Overview

If you are facing foreclosure, the bank’s options will depend on the terms of your mortgage and state law. The most common process is referred to as judicial foreclosure. This occurs when the lender files a lawsuit against the owner with the local court system to take possession of the real property. This process can take many months, even years, and provides some protections for the property owner.

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When Can a Bank Foreclose on a Mortgage?

If you stop making payments on your home mortgage, the bank is authorized to take action, including the start of a foreclosure action.

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What Is a Notice of Sale?

If you borrowed money to purchase a home or car, that loan is secured by the property you purchased with the credit you were extended. In other words, your lender can reclaim that property once you stop making your payments. If you've received a notice of sale, your lender plans to sell the property that secures your loan. Read on to learn more about what a notice of sale could mean for you and what you can do about it.

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Mortgage Grace Period: What It Means For You

Though your mortgage is tied to an exact monthly payment date, all mortgages provide some flexibility. Most mortgages are due on the 1st of the month. But you can usually make your home loan payment by the 15th of the month without incurring any fees, or being subjected to negative reporting on your credit history. This flexibility is called a grace period. Below, we explain grace periods in more detail and reflect on why they should matter to you.

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Cash For Keys Agreements

Mortgage lenders and rental property owners may be willing to pay owners or tenants to ensure a smooth transition and timely move-out. For both lenders and landlords these agreements are often cheaper and quicker than the alternative: A costly eviction proceeding.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.


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