Ed Shaw Law - No Nonsense Legal Advice
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Offices in St. Cloud and Brainerd, serving all surrounding areas
Coronavirus Impact and Assurance: Yes! We are still open for business!

For the last year, thanks to the hard work of all of our staff, and you, our clients, no one who works at this office has gotten Covid while working here, and we have not spread a single case to any of our clients, while getting all of our client's legal needs taken care of. With the spread of vaccination the end is in sight, normal times where we can meet our clients in person in the office are just around the corner.

During the transition we will be having some in person, in office appointments for clients who have already been vaccinated, and for whom the CDC recommended period of time has passed since their last shot. Of course, for anyone who would prefer a phone or video appointment for safety, convenience, or any other reason those types of appointments are always available.

The weather is warming up and outdoor-in person appointments are now available. The updated CDC guidelines indicate that masks are not needed for vaccinated people outside if not in close quarters; although as a precaution we will continue to practice social distancing. If you have not had your vaccination, masks will continue to be a requirement.

Through the transition safety of all staff and clients will continue to be our top priority, we look forward to seeing you soon.

Please see our blog for more info on pandemic response.

FORECLOSURE UPDATE

| Feb 17, 2021 | Firm News

You may have heard that the Biden administration extended a foreclosure moratorium until at least this summer. This is good news if you are behind on your house payments, but, it does not mean that you are home free.

First, the moratorium covers federally backed mortgages. As most home loans in this country are in some way backed by the federal government, most homeowners are protected, but, you should check to make sure, some loans are not federally backed, these are not covered by the moratorium, and, owner financed contracts for deed are not covered, and, the foreclosure process for a contract for deed, called cancellation, is much faster than traditional mortgage foreclosure. Even assuming that your mortgage is covered by the moratorium, if payments are not made arrears will build up, and, whenever the moratorium ends you will need to get current, or face foreclosure at that time.

Bottom line, if you are behind on your payments you have a little breathing room, but, be thinking about how you will ge caught up when the moratorium ends. Chapter 13 bankruptcy is a great way to buy time to get caught up on payments. For more info on Chapter 13 click here.

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