Consumer Advisory Bulletin, New Iowa “Foreclosure Hotline”, October 2007

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: New Iowa “Foreclosure Hotline”

Consumer Advisory Bulletin, Beware of Foreclosure “Rescue” Scams, April 2008

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Beware of Foreclosure “Rescue” Scams

Consumer Advisory Bulletin; Beware of “Foreclosure Rescue Scams, January 2010

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about:Beware of “Foreclosure Rescue Scams

Consumer Advisory Bulletin, Beware of A Foreclosure Rescue Scams, February 2012

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Beware of A Foreclosure Rescue Scams

Consumer Advisory: Foreclosure Rescue Scams, February 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Foreclosure Rescue Scams

Foreclosure of mortgages. Hearing before the subcommittee on insurance and banks of the Committee on the District of Columbia, United States Senate, Seventy-first Congress, second session, on S. 3489, a bill to regulate the foreclosure of mortgages and deeds of trust in the District of Columbia, and for other purposes. April 19, 1930.

John J. Blaine, chairman of subcommittee.

Foreclosure Counseling with Latino Households: Policy Assumptions in a Changing Demographic Landscape

Thesis (Ph.D.)--University of Washington, 2016-08

Desenvolvimento da identidade em adolescentes estudantes do ensino médio

Identidade é composta pelos valores, crenças e metas com que um indivíduo está comprometido. Existem quatro estados de identidade: difusão, pré-fechamento, moratória e identidade estabelecida, identificados de acordo com a presença de exploração das alternativas e com a intensidade dos compromissos. Este trabalho verificou os estados de identidade em que se encontravam 753 adolescentes de 15 a 18 anos, estudantes do Ensino Médio de escolas públicas de São Paulo que responderam ao EOMEIS 2, uma escala tipo Likert que avalia os estados de identidade. A maioria dos adolescentes encontrava-se em moratória. Verificou-se uma associação positiva entre o sexo feminino e os estados de moratória e identidade estabelecida; entre a primeira série do Ensino Médio e o estado de pré-fechamento.

Prime Property Institutions for a Subprime Era: Exploring Innovative Models of Residential Development and Finance

This paper breaks new ground toward contractual and institutional innovation in models of homeownership, equity building, and mortgage enforcement. Inspired by recent developments in the affordable housing sector and in other types of public financing schemes, this paper suggests extending institutional and financial strategies such as timeand place-based division of property rights, conditional subsidies, and credit mediation to alleviate the systemic risks of mortgage foreclosure. Alongside a for-profit shared equity scheme that would be led by local governments, we also outline a private market shared equity model, one of bootstrapping home buying with purchase options.

Testing new identity models and processes in French-speaking adolescents and emerging adults students

Developing a sense of identity is a crucial psychosocial task for young people. The purpose of this study was to evaluate identity development in French-speaking adolescents and emerging adults (in France and Switzerland) using a process-oriented model of identity formation including five dimensions (i.e., exploration in breadth, commitment making, exploration in depth, identification with commitment, and ruminative exploration). The study included participants from three different samples (total N = 2239, 66.7% women): two samples of emerging adult student and one sample of adolescents. Results confirmed the hypothesized five-factor dimensional model of identity in our three samples and provided evidence for convergent validity of the model. The results also indicated that exploration in depth might be subdivided in two aspects: a first form of exploration in depth leading to a better understanding and to an increase of the strength of current commitments and a second form of exploration in depth leading to a re-evaluation and a reconsideration of current commitments. Further, the identity status cluster solution that emerged is globally in line with previous literature (i.e., achievement, foreclosure, moratorium, carefree diffusion, diffused diffusion, undifferentiated). However, despite a structural similarity, we found variations in identity profiles because identity development is shaped by cultural context. These specific variations are discussed in light of social, educational and economic differences between France and the French-speaking part of Switzerland. Implications and suggestions for future research are offered.

Consumer Advisory Bulletin, Prevent Home Repair Scams and Disputes, May 2007

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: New Iowa “Foreclosure Hotline”

Prime property institutions for a subprime era: Toward innovative models of homeownership

This Article breaks new ground toward contractual and institutional innovation in models of homeownership, equity building, and mortgage enforcement. Inspired by recent developments in the affordable housing sector and other types of public financing schemes, we suggest extending institutional and financial strategies such as time- and place-based division of property rights, conditional subsidies, and credit mediation to alleviate the systemic risks of mortgage foreclosure. Two new solutions offer a broad theoretical basis for such developments in the economic and legal institution of homeownership: a for-profit shared equity scheme led by local governments alongside a private market shared equity model, one of "bootstrapping home buying with purchase options".