Home
Register
Special Report

A Civil Beat Investigation: In Hawaii’s workers’ comp system, people with long-lasting injuries are often forced to battle doctors hand-picked by insurance companies to get treatment and disability payments.

Image is not available
Vocational Management Consultants

Helping prepare people with barriers to employment for a brighter future

Our Services

* Vocational Rehabilitation Counseling
*Adjustment to Disability Counseling
*Physician Release to Work Consultation
*Career Counseling
*Initial Evaluation & Recommendations
*Vocational Research & Labor Market Survey
*Employer, Carrier & Attorney Consultation

* Curriculum Vitae & Resume Development
*Job Interviewing Skills Development
*Job Placement Assistance & Follow Up
*Rehabilitation Plan Development
*Allied Professional Consultation
*Expert Witness Testimony
*Career Testing and Guidance
*Thought Field Therapy

previous arrow
next arrow
Shadow
Slider

To Find Out How We Can Help You Call 808-538-8733

avoid-foreclosure-custom-300x300

Consumer Financial Protection Bureau Proposes Home Mortgage Rules - The CFPB has proposed new rules that would require residential mortgage service's to disclose important information more fully and clearly and make it easier for distressed homeowners to get help.

 

The Consumer Financial Protection Bureau recently proposed rules to help homeowners get better information from mortgage servicers and possibly avoid foreclosure. The rules are proposed under the provisions of the Dodd-Frank Act, the 2010 financial reform law, and the CFPB's own authority under that law. After a period for public comment, the CFPB is expected to finalize the rules by January 2013.

 

Foreclosure Crisis

By now, most Americans are familiar with the foreclosure crisis that struck after the collapse of the housing market six years ago. More recently, a new crisis became apparent with the news that many mortgage servicers -- companies that handle mortgages and process payments on behalf of lenders -- were engaging in illegal shortcuts, such as forging signatures and improperly executing documents. These wrongful practices were a major part of the "robo-signing" scandal. As a result, many homeowners were mistakenly or illegally foreclosed on.

Earlier this year, mortgage lenders agreed to adopt better practices and pay $25 billion for states to assist homeowners who lost or are threatened with losing their homes.

New Rules

The CFPB's new rules would promote transparency and accountability, requiring servicers to give homeowners the information they need to understand their options and make difficult decisions. The rules would require servicers to provide clear, accurate and standardized monthly accounting statements with itemized fees. The statements must warn borrowers of any imminent changes in the loan interest rate or insurance coverage.

The proposed rules would also help homeowners facing foreclosure by providing them with better information and more options. Mortgage servicers are required to make good faith efforts to inform delinquent borrowers of the risk of foreclosure, the availability of foreclosure counseling and options to avoid the loss of their homes. Servicers must maintain complete and up-to-date records to avoid the risk of mistaken and improper foreclosures.

In addition, servicers must investigate any errors within 30 days. Servicers are also required to make support staff more accessible to distressed borrowers who need assistance.

People struggling to make their monthly mortgage payments have options. Speak with an experienced bankruptcy attorney about your situation and learn what solutions may be right for you and your family.

Disabled World - Proposed rules to help homeowners get better information from mortgage servicers and possibly avoid foreclosure: http://www.disabled-world.com/disability/housing/foreclosure-rules.php#ixzz1wZ13TmUS

Hawaii Civil Beat Special Report

Waiting In Pain

About the Series

A Civil Beat Investigation: In Hawaii’s workers’ comp system, people with long-lasting injuries are often forced to battle doctors hand-picked by insurance companies to get treatment and disability payments.
  civilbeat logo round

Chapter One

Daniel Junker workers 1024x657

Insurance ‘Hell’ Leaves Many Injured Workers Broken


Chapter Two

Vanessa Sylva wahiawa resident 1024x686

This Woman Lost 10 Years Battling A System Where Insurers Call The Shots


Chapter Three

Ken Weir Workers Comp insurance story4 960x647

Spying On Injured Workers Often Adds To Their Pain


Chapter Four

Dr Christopher Brigham MD talk in Vegas4 960x527

Whose Side Is This Workers’ Comp Doctor On?


Congratulations Amie

amie

Congratulations to Amie on graduating from Hawaii Medical College on their Honor Roll as a pharmacy technician and working now as a technician!

What Is Thought Field Therapy?

tft

Contact Information

Vocational Management Consultants, Inc.VMC Hawaii

715 S. King Street, Suite 410 
Honolulu, HI 96813 
Ph. 808-538-8733 
Fax 808-538-8744 

Join Hawaii Injured Worker's Association

HIWA strives to make our workplaces safer through education, legislation, and improved monitoring and enforcement of workplace safety.

hiwa logo

Hawaii Injured Workers Association

The Power of Vulnerability

Brené Brown studies human connection -- our ability to empathize, belong, love. In a poignant, funny talk, she shares a deep insight from her research, one that sent her on a personal quest to know herself as well as to understand humanity. A talk to share.