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	<title>The Law Firm of VAUGHN &#38; WEBER, PLLC</title>
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	<link>http://vaughnweberlaw.com</link>
	<description>General Practice</description>
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		<title>Public Safety Exception to Miranda Warnings</title>
		<link>http://vaughnweberlaw.com/2013/04/21/public-safety-exception-to-miranda-warnings/</link>
		<comments>http://vaughnweberlaw.com/2013/04/21/public-safety-exception-to-miranda-warnings/#comments</comments>
		<pubDate>Sun, 21 Apr 2013 11:46:44 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Criminal]]></category>
		<category><![CDATA[Message/News Board]]></category>
		<category><![CDATA[custodial interrogation]]></category>
		<category><![CDATA[imminent threat]]></category>
		<category><![CDATA[miranda rights]]></category>
		<category><![CDATA[miranda warnings]]></category>
		<category><![CDATA[public safety]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=4062</guid>
		<description><![CDATA[Miranda Warnings and the Public Safety Exception* MIRANDA WARNINGS When Miranda Warnings must be given: 1.  Miranda Warnings must be given prior to any questioning if you have Custodial Interrogation by Authorities (CIA)**: Custody – Custody involves a significant deprivation of freedom of movement and occurs when a person is not free to leave. Orozco [...]]]></description>
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		<title>No Documentation Loan Modification</title>
		<link>http://vaughnweberlaw.com/2013/04/18/no-documentation-loan-modification/</link>
		<comments>http://vaughnweberlaw.com/2013/04/18/no-documentation-loan-modification/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 14:42:45 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[eligibility requirements]]></category>
		<category><![CDATA[fannie mae and freddie mac]]></category>
		<category><![CDATA[investment properties]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[no doc loan mod]]></category>
		<category><![CDATA[no documentation loan modification]]></category>
		<category><![CDATA[trial loan modification]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=4047</guid>
		<description><![CDATA[Fannie Mae and Freddie Mac to offer No Documentation Loan Modification Program The Program Fannie Mae and Freddie Mac will offer a simplified loan modification process. Beginning July 01, 2013, servicers will be required to offer borrowers who are at least 90 days, but not more than 24 months, delinquent on their mortgage a trial [...]]]></description>
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		<title>Joint Bank Accounts</title>
		<link>http://vaughnweberlaw.com/2013/04/18/joint-bank-accounts/</link>
		<comments>http://vaughnweberlaw.com/2013/04/18/joint-bank-accounts/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 13:25:40 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Estate planning]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[filing bankruptcy]]></category>
		<category><![CDATA[joint bank accounts]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=3978</guid>
		<description><![CDATA[Are Joint Bank Accounts Good or Bad? It depends! Estate Planning Joint bank accounts can be good from an estate planning perspective. Upon the death of one of the joint owners, the funds in the account automatically pass to the surviving account holder by operation of law. Bankruptcy Joint bank accounts can be a problem [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Free Hurricane Sandy Insurance Claim Assistance</title>
		<link>http://vaughnweberlaw.com/2013/02/26/free-hurricane-sandy-insurance-claim-assistance/</link>
		<comments>http://vaughnweberlaw.com/2013/02/26/free-hurricane-sandy-insurance-claim-assistance/#comments</comments>
		<pubDate>Tue, 26 Feb 2013 19:29:17 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Message/News Board]]></category>
		<category><![CDATA[andrew m cuomo]]></category>
		<category><![CDATA[disaster hotline]]></category>
		<category><![CDATA[insurance claim assistance]]></category>
		<category><![CDATA[insurance issues]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=4034</guid>
		<description><![CDATA[Hotline to help New Yorkers with insurance issues from Hurricane Sandy Governor Andrew M. Cuomo today announced that the Department of Financial Services disaster hotline to help New Yorkers with insurance issues from Hurricane Sandy will now be open 24 hours a day, seven days a week starting today. The hotline, at 800-339-1759, can answer [...]]]></description>
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		<title>Deed in Lieu of Foreclosure</title>
		<link>http://vaughnweberlaw.com/2013/02/21/deed-in-lieu-of-foreclosure/</link>
		<comments>http://vaughnweberlaw.com/2013/02/21/deed-in-lieu-of-foreclosure/#comments</comments>
		<pubDate>Thu, 21 Feb 2013 14:46:18 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[deed in lieu of foreclosure]]></category>
		<category><![CDATA[deed-in-lieu]]></category>
		<category><![CDATA[distressed homeowners]]></category>
		<category><![CDATA[foreclosure attorney]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=4017</guid>
		<description><![CDATA[How can I do a Deed-in-lieu of Foreclosure? Deed-in-lieu of Foreclosure- Occurs when the lender accepts ownership of the property in place of the money owed on the mortgage. Basically, you simply sign over the property to the bank to avoid foreclosure. Sounds easy, right? Not so fast! Most lenders will require that the homeowner [...]]]></description>
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		<title>Buying Property with Existing Tenants</title>
		<link>http://vaughnweberlaw.com/2013/02/21/buying-property-with-existing-tenants/</link>
		<comments>http://vaughnweberlaw.com/2013/02/21/buying-property-with-existing-tenants/#comments</comments>
		<pubDate>Thu, 21 Feb 2013 14:04:03 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Landlord-Tenant]]></category>
		<category><![CDATA[buying a property]]></category>
		<category><![CDATA[eviction]]></category>
		<category><![CDATA[existing tenant]]></category>
		<category><![CDATA[landlord tenant law]]></category>
		<category><![CDATA[landlords]]></category>
		<category><![CDATA[new landlord]]></category>
		<category><![CDATA[property has tenants]]></category>
		<category><![CDATA[property with tenants]]></category>
		<category><![CDATA[real estate investors]]></category>
		<category><![CDATA[tenant assistance]]></category>
		<category><![CDATA[tenant matters]]></category>
		<category><![CDATA[tenants staying]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=4013</guid>
		<description><![CDATA[Should I buy a house that already has tenants? Maybe. We have represented many Landlords who have purchased homes with existing tenants. In our experience, this has not always gone well for the new Landlord. Many of the new Landlords have ended up starting an eviction action against the existing tenants shortly after the closing. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Report Errors</title>
		<link>http://vaughnweberlaw.com/2013/02/19/credit-report-errors/</link>
		<comments>http://vaughnweberlaw.com/2013/02/19/credit-report-errors/#comments</comments>
		<pubDate>Wed, 20 Feb 2013 01:53:32 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Debt settlement]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit report errors]]></category>
		<category><![CDATA[credit reporting agencies]]></category>
		<category><![CDATA[credit reporting agency]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[how to raise your credit score]]></category>
		<category><![CDATA[major credit reporting agencies]]></category>
		<category><![CDATA[score change]]></category>
		<category><![CDATA[three major credit reporting agencies]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=4000</guid>
		<description><![CDATA[Do you have errors on your credit report? A new study done by the Federal Trade Commission on the United States credit reporting industry revealed that 5% of consumers had incorrect credit reports from three major credit reporting agencies. These mistakes could lead to consumers paying more for products such as auto loans and insurance. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Student Loans: Pay as You Earn!</title>
		<link>http://vaughnweberlaw.com/2013/01/10/student-loans-pay-as-you-earn/</link>
		<comments>http://vaughnweberlaw.com/2013/01/10/student-loans-pay-as-you-earn/#comments</comments>
		<pubDate>Thu, 10 Jan 2013 21:21:11 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[direct consolidation loans]]></category>
		<category><![CDATA[direct loan]]></category>
		<category><![CDATA[education loan]]></category>
		<category><![CDATA[federal consolidation loans]]></category>
		<category><![CDATA[federal family education]]></category>
		<category><![CDATA[federal stafford loans]]></category>
		<category><![CDATA[federal student loan]]></category>
		<category><![CDATA[federal student loans]]></category>
		<category><![CDATA[financial hardship]]></category>
		<category><![CDATA[Pay as you earn]]></category>
		<category><![CDATA[repayment plan]]></category>
		<category><![CDATA[repayment plans]]></category>
		<category><![CDATA[student loan payments]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[studentaid]]></category>
		<category><![CDATA[subsidized loans]]></category>
		<category><![CDATA[unsubsidized federal stafford]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=3995</guid>
		<description><![CDATA[What is Pay As You Earn? According to StudentAid.Gov, the pay as you earn repayment plan is designed to make student loan payments more affordable by reducing monthly payments based on your income and family size.  Eligibility In order to qualify for the program you must have partial financial hardship. This means that the amount [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Short Sale a Must?</title>
		<link>http://vaughnweberlaw.com/2013/01/10/short-sale-a-must/</link>
		<comments>http://vaughnweberlaw.com/2013/01/10/short-sale-a-must/#comments</comments>
		<pubDate>Thu, 10 Jan 2013 14:38:27 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[hamp]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage default]]></category>
		<category><![CDATA[new hamp]]></category>
		<category><![CDATA[short sale]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=3991</guid>
		<description><![CDATA[I already modified my mortgage, but because of new circumstances I am late again. Must I Short Sale my home now? Not necessarily. You may be able to get another loan modification based on your &#8220;new circumstances.&#8221; The HAMP guidelines were recently changed to address this situation. Homeowners who have defaulted on a trial or [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Mortgage Forgiveness Debt Relief Act Extended</title>
		<link>http://vaughnweberlaw.com/2013/01/02/the-mortgage-forgiveness-debt-relief-act-extended/</link>
		<comments>http://vaughnweberlaw.com/2013/01/02/the-mortgage-forgiveness-debt-relief-act-extended/#comments</comments>
		<pubDate>Wed, 02 Jan 2013 23:29:52 +0000</pubDate>
		<dc:creator>Robbie L. Vaughn, Esq.</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Message/News Board]]></category>
		<category><![CDATA[The Mortgage Forgiveness Debt Relief Act Extended]]></category>
		<guid isPermaLink="false">http://vaughnweberlaw.com/?p=3984</guid>
		<description><![CDATA[The Mortgage Forgiveness Debt Relief Act Extended Through 2013 Congress has voted to extend The Mortgage Forgiveness Debt Relief Act of 2007. This act allows taxpayers to exclude income earned from a discharged debt on their principal residence, etc. Without this act, debt that has been forgiven under short sales or loan modifications would possibly [...]]]></description>
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