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Collections Law/Questions Answered by Expert Brian Pitcher
| Subject | Date Asked |
| Mortgage fraud | 5/28/2012 |
| Q: This situation happened about a year ago. I answered an ad promising to give people with bad credit ... A: Hey Mya, I hate to hear stories like yours. To be honest you should do both. Filing a complaint ... | |
| Repercussions of Foreclosure | 4/7/2012 |
| Q: I have made the decision because of various reasons that I will Foreclose on my home. My question is ... A: Hey Scott Sorry for the delay in the response as it was Easter Weekend. Its sounds to me like a ... | |
| Repercussions of Foreclosure | 4/5/2012 |
| Q: I have made the decision because of various reasons that I will Foreclose on my home. My question is ... A: If you let your home foreclose, the lender can either sue you for the difference or they can forgive ... | |
| How to collect a loan to family | 3/14/2012 |
| Q: A family member needed money to buy a car. My husband and I loaned her $1300 which was to be repaid ... A: What I meant by having your ducks in a row is understanding the process before you write that first ... | |
| How to collect a loan to family | 3/14/2012 |
| Q: A family member needed money to buy a car. My husband and I loaned her $1300 which was to be repaid ... A: You have a classic example of a lawsuit. You can sue them in small claims court or you can do what ... | |
| Mortgage Co. Recovery Sale Off | 3/9/2012 |
| Q: Recently I contacted my Mortgage Co. (Citi) about the status of my delinquent account, State of MO. ... A: That helps. The Collection agency should be able to provide you proof that they are indeed servicing ... | |
| Mortgage Co. Recovery Sale Off | 3/8/2012 |
| Q: Recently I contacted my Mortgage Co. (Citi) about the status of my delinquent account, State of MO. ... A: Ok, that helps. Is this a mobile home or a home that is attached to land? that makes a big ... | |
| Mortgage Co. Recovery Sale Off | 3/8/2012 |
| Q: Recently I contacted my Mortgage Co. (Citi) about the status of my delinquent account, State of MO. ... A: You got quite the story there. I believe that i can help but I need a little more info on what is ... | |
| medical debt | 2/29/2012 |
| Q: i have a medical bill from 2007 in debt. i live in Michigan and the collection agency is also in ... A: Usually the statute of limitations is between 6 and 8 years depending on the state. If they are not ... | |
| 1099C resolution? | 2/26/2012 |
| Q: If you receive a 1099C form forgiving a credit card debt, can they also report it with the credit ... A: When banks forgive the debt and send you a 1099c they are not allowed to sue you for the difference ... | |
| Mobile home issues | 2/9/2012 |
| Q: We currently owe ~$25k on a 1995 Fleetwood Mobile Home. It is mold infested (see attachments). My ... A: Good Question. Ok, Since you signed on the dotted line you are responsible for it regardless of what ... | |
| collections on a 5 yr old check | 2/3/2012 |
| Q: I just received a bill from a collection agency on a purchase that I made almost 5 yrs ago(8/30/07) ... A: Hey Kevin, IF they have a copy of your check it is probably legit. You may want to call them first ... | |
| Collection | 1/25/2012 |
| Q: I manage an apartment complex and I wanted to know if there is a way to put someone in collections ... A: The answer is yes you can collect on a debt without sending it to a collection company. If it is ... | |
| Timeshare | 1/12/2012 |
| Q: I bought a timeshare in May of 2010. My household is now down to one income and can no longer pay ... A: I understand the regrets of buying a time share. There are a lot of people that go through that ... | |
| Property Upkeep | 1/8/2012 |
| Q: You are the only one I saw that deals with property. This may seem a mundane question, but here ... A: There are 2 possible scenarios that I see that you can do to improve the situation. The first is to ... | |
| grandmothers house | 1/3/2012 |
| Q: I live in the state of Alabama. My grandfather passed away the house was in his name. The company ... A: If there is a mortgage then it should be on the title report. I would go to a closing attorney or to ... | |
| second morgage | 1/3/2012 |
| Q: Exwife got the house and it was forclose in 2002. Now fhe morgage company that the 2nd mmorgage is ... A: That is a good question. I don't have all of the details that I need but I think that I can point ... | |
| liens on property | 12/20/2011 |
| Q: As an Ohio resident I have had more than one lien placed on my personal residence. Some of them are ... A: First and foremost, I am in Utah and not Ohio but a lot of the rules are similar. For clarification ... | |
| collection | 12/4/2011 |
| Q: I have a small sewing business out of my home. I sew and sell mail straps to rural mail carriers- ... A: Hey there Dick, Lets see how I can help you best. Collecting money from someone that owes it to you ... | |
Answers by Expert:
Brian Pitcher
Top Expert on this page
Expertise
I can answer all questions related to Residential Real Estate. In particular I am an expert in the loss mitigation side. I meet with multiple homeowner on a weekly basis and guide them through the issues of being upside down on their mortgage and what they can do to better it. I can answer questions on Loan Modifications, Short Sale, Foreclosure, Strategic Default, Deed in Lieu. I can also answer questions on the buyer/investor side of things in regards to homeownership or home flipping. I can also answer questions regarding the 1099C or cancellation of debt that homeowners get from a short sale or a foreclosure.
Experience
I run a team of agents called the Pitcher Group, out of Salt Lake City. We specialize in Short Sales and helping sellers get out of tough situations. We have closed over 100 short sales in the past 3 years with our team. I also am an owner of a Short Sale Negotiation company that helps process short sale transactions for Real Estate Agents all across the country.
I understand the investment side of Real Estate as I have bought and sold many rental type homes over the years. I also rehabilitate homes and flip them. We usually have 1 to 3 properties going at any given time. Our completion time from bought to sold is usually less then 4 months.
Organizations
I am a member of the national Association of Realtors on the national level and the Salt Lake board of Realtors on the local level. I am a member of the Short Sale Specialist Network as well as multiple short sale mastermind groups locally and nationwide.
Publications
The Short Sale Specialist Network
www.savemyutahhome.com
The Truth about Short Sales, Loan Modifications and Foreclosures (an ebook that I wrote)
Education/Credentials
Bachelors Degree from the University of Utah in Spanish with an emphasis in Economics.
Specialized and on going study of loss mitigation tactics revolved around the banking industry and real estate including FDIC.
Awards and Honors
Bronze Home sales award in 2008 for Keller Williams
Gold Home sales award in 2009 For Keller Williams
Triple Gold Home sales award in 2010 For Keller Williams
Triple Gold home sales award in 2011 For Keller Williams
Top Sales agent individual award in 2010 For Keller Williams
I have been asked to speak and teach other realtors how to handle short sales for Keller Williams International and also at my local board of Realtors.
Past/Present Clients
I have over 100 successfully closed short sale transactions.
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