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Advertising Index THE LEADER IN DEFAULT SERVICING NEWS NATIONAL Assurant Field Asset Services NORTHEAST 6 Auction.com1 Avenue 365 Lender Services 17 NEW JERSEY Home Alliance Realty, Lisa G. Lopez Brock & Scott 32 Coldwell Banker Garden State Homes, Elizabeth Garcia117 Butler & Hosch 19 Dimont & Associates 13 Firm Solutions 26 First American Mortgage Services Five Star Default Title Coalition Five Star Government Forum Five Star Radio: Mortgage Markets Today C4 Legal League 100 NEW YORK Island Advantage Realty, Todd Yovino 118 Carrington Real Estate Services, Kamla Jaikaran 118 112 54 MIDWEST 125 FORCE42 Hudson & Marshall 117 9, 11 MINNESOTA MinnesotaREO.com122 48-49, 143 M&M Mortgage Services C2 Marketing TBD 37 Mortgage Contracting Services National Vendor Management Services 3 17 SOUTH FLORIDA Florida Dreams Realty Group, Adriana M. Aleman 126 NetDirector29 Oversite Data Services 40 GEORGIA PEMCO Limited 27 Atlanta Communities Real Estate Brokerage, Marc Oppenheimer127 ProVest15 default servicing in print and online @ dsnews.com 04.2013 Rogers Townsend Attorneys at Law 43 Safeguard Properties SEAS Asset Services Cover Story Electronically signed promissory notes are landing on court dockets. Here's what pros need to know to avoid legal wranglings and get their judicial foreclosures off the ground. d e fa u lt THE FIN AL WORD se r v Now tha its mo t the let's rtgage CFPB has tak definiti e a closervicing unveile they ve dire ser look rules, d mean at ctiv for ser es and these vicers what . Enforc assign eability ments of abs be hig olu signifi hly unp in Chapte te r to juri cant varredictable 11 can sdictio iance , with n and from judge jurisdi to jud ction ge. ON SER VICING ic in ZVN Properties The oncestrong stock of bank-owned homes is dialing down in many markets, and numbers seem programmed for a brusque ebb and flow. ENTER THE eNOTE eNOTE g in p r in t THE AB SOLUTE TRUTH a nd onl in e @ d sn e w s. c om 013 d gro and the cou ing ntry markets ups are in the acr advanc ir effo oss e rec rts to overy. ONLY TIM E RESO L BANK UTION I RUPT N CY B governmankruptcy is and seent programn't the waitin rvicers s and se g game on the sa ttlemen it used me side t terms pu to be— of struct t homeo ured pr wners ogress. Help shape the next issue of DS News. Drop us a line at Editor@DSNews.com. 5 30 ARIZONA Options & Opportunities Real Estate, Holly Grigaitis133 CALIFORNIA Essex & Harvey, Joyce Essex VERBOSITY 0 3 .2 CA DIVERSEPTURING TO DAY'S Enterp OPPORT UNITIES rising transfminority-le wome norm WILL TEL L For from eclosure timelin Am state helpin ericans to state es var y affe diff g or hurting erently cting the ind . Is this ustry? 144 144 21 Wingspan Portfolio Advisors When it comes to distressed addresses, the old adage rings true: It's all about location— of the asset, the economy, and the buyers. Amid budget cuts and promises to eliminate waste, the government is bleeding billions to maintain and secure vacant, underutilized federally owned properties. 39 Vacant Property Specialists PINPOINTING REO VALUES JUDICIOUS PROPERTY MANAGER NEEDED 35 The National Firm Where Oh Where Did My REO Go? WEST 33, C3 "The mortgage fight includes many players and participants. However it appears the deep-pocketed banks are the ones being asked to pay for the collapse in housing. That's not to say there's no culpability or no laws were broken, but if [cities are] successful in . . . recouping lost property tax revenues from the banks, . . . in the long run, the result may well backfire as lending in certain areas becomes less available and more expensive." —James Frischling, President of NewOak Capital 133

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