Donations

Americans Against Foreclosures ( AAF ) and Actions for Justice ( AXJ ) have finally created and joining teams in every County and State to go after all the bad players since 2008, who have stolen our homes, lands, farms, equity and dreams since 2008.

We have created a few test websites specifically in the USA, but can’t continue to do it without your generous donations using the donate buttons on our websites.

We prefer Paypal, but you can use any Debit and/or Credit Card, and no amount is too small. Every dollar helps. You can also Paypal: Ed@axj.com directly, as he is highly involved in coordinating our Teams.

Search for our NEWS Websites in your City, County, State and Country and if one does not exist go ahead and request one.

Best wishes,

Ed@axj.com

www.axj.news

Recent Developments in Foreclosure Laws

Recent developments in U.S. foreclosure laws have focused on providing relief to homeowners, particularly in the context of economic challenges. A notable update from July 10, 2024, involves the Consumer Financial Protection Bureau (CFPB) proposing rules to enhance homeowner protections. These rules would require mortgage servicers to assist homeowners before initiating foreclosure and reduce paperwork requirements to give servicers more flexibility .

Additionally, the Federal Housing Administration (FHA) extended foreclosure moratoriums on FHA-insured single-family mortgages by an additional 90 days in 2025, as noted in a HUD announcement, to provide further relief to struggling homeowners . These efforts reflect a broader trend of supporting homeowners during financial difficulties, especially post-COVID-19, though specific legislative changes to foreclosure laws have been less prominent in recent news.

Role of Advocacy Organizations: AAF and AXJ

Americans Against Foreclosures (AAF) and Actions for Justice (AXJ) are organizations dedicated to addressing unlawful foreclosures, particularly those stemming from practices since the 2008 financial crisis. AAF’s mission includes creating teams in every county and state to go after “bad players” who have stolen homes, lands, farms, equity, and dreams, as stated in their donation appeal. They emphasize the need for donations to sustain their efforts, with options to donate via PayPal to Ed@axj.com or through debit/credit cards on their websites, such as aafmembers.net and axj.news (www.axj.news).

AXJ is described as an “independent international civil and political rights Organization,” suggesting a broader scope that may include international activities. Given your X handle, “AXJNEWS,” there might be a connection to their operations in other countries, though specific details on international presence were not found in the research. These organizations aim to provide legal resources, expose fraudulent practices, and support homeowners, making them valuable allies for those facing foreclosure challenges.

International Context: Foreclosure Laws around the world

While the primary focus is on U.S. laws, your interest in other countries, as indicated by “Axj News,” warrants a brief exploration of international foreclosure laws. The research will yield direct results on foreclosure laws internationally, and it highlights property rights and real estate ownership under the country’s Act on Rights in Rem. Foreigners can acquire real estate in the Federation of BiH and Republika Srpska, provided there is reciprocity, but specific foreclosure processes were not detailed in public sources.

Given the lack of specific information, it seems likely that foreclosure laws in every country are governed by entity-level regulations, and homeowners or investors should consult local legal experts for detailed guidance. The historical context, such as post-conflict property issues from the 1990s, suggests challenges in housing and property rights, but these are more related to displacement than foreclosure processes.

Recommendations for Homeowners

For homeowners facing foreclosure, understanding state-specific laws is crucial. Here are some steps to consider:

  • Research State Laws: Use resources like Nolo’s 50-state chart to understand your rights regarding foreclosure type, deficiency judgments, and redemption periods.
  • Contact Your Lender Early: Reach out to discuss options like loan modification, forbearance, or refinancing to avoid foreclosure.
  • Seek Legal Assistance: Organizations like AAF and AXJ can provide guidance, especially if you believe your foreclosure is unlawful. Contact them through their websites or donation pages for support.
  • Explore Assistance Programs: Programs from HUD and FHA may offer temporary relief or long-term solutions, particularly with recent extensions of moratoriums.

For international contexts, local legal advice is recommended due to the complexity and variability of laws.

Conclusion

Foreclosure laws in the United States are complex and state-dependent, with recent developments focusing on homeowner protections and relief efforts. Organizations like AAF and AXJ play a critical role in advocating for those affected by unlawful foreclosures, with donation support being essential for their operations. Internationally, while specific foreclosure laws are less detailed, property rights frameworks exist, and local expertise is advised for clarity.

Key Citations

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