Difference between revisions of "User:RahalMccall69"

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(State's foreclosure mediation program underused)
(Foot Health- A bunion or arthritis- Women often get the painful conditions confused)
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It's been nearly 48 years since the road captain in the blockbuster movie Cool Hand Luke mumbled the memorable line "What we have here. . . . is failure to communicate."
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By Dr. Sarah Voelkel<br>
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While the message has been applied to a number of common <a href=http://www.buycelinebags.com/celine-doctor-frame-42>Celine Doctor Frame Bags</a> occurrences, it was the backbone for our state's Foreclosure Fairness Act which recently became three years old. The law provides a mediation process where a mediator assists the homeowner and a lender to reach a fair, voluntary, and negotiated agreement once the homeowner defaults on a loan.
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KyForward columnist<br>
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"The bottom line is that not enough people know about the law," said short-sales specialist Wes Jones of Homehelper Consultants at Keller Williams Realty. "It is something that if used properly can legally stall off foreclosure and force a bank to make a decision. It gives a homeowner additional time, but fewer than 10 percent of people who need it are even using the law to their advantage."
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The cost for the mediation is $200, far cheaper than any foreclosure proceeding, which can easily run $3,000-$4,000. It is a legal process and almost always involves an attorney.
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Women 鈥?are you confusing a bunion with arthritis?<br>
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According to state records, approximately 4,500 consumers received a Notice of Default-the first step to foreclosure-in the first quarter of 2014.
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Borrowers can only apply for mediation once they have received a Notice of Default. Once the mediation application is filed and a Notice of Trustee Sale has not been posted, the lender cannot post a Notice of Trustee Sale until the actual mediation conference has taken place. According to Jones, submitting the application usually nets the borrower three more months in the home to consider their options.
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No woman wants to hear that she has arthritis, especially in her feet.聽 But with the average person taking thousands of steps each day, it鈥檚 no wonder arthritis affects us.聽<br>
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A mediator is not a judge. Foreclosure mediation programs have proven effective in reducing foreclosures but they don't solve every borrower's case. While no change may come out of the mediation, the most likely outcome is the cancellation of the Trustee's Sale in order to execute a short sale. Other results include the resolution and approval of a contested short sale, or a loan modification.
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Unfortunately, some women confuse what they think is pain from a bunion with arthritis in the big toe joint. This condition is called Hallux limitus and most commonly affects females. We usually see its onset in a patient鈥檚 30s, and it progresses over time.<br>
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Hallux rigidus (Photo from Wikimedia Commons)
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The reason women may confuse Hallux limitus with a bunion is the fact that this condition also causes a bump and enlargement at your big toe joint that may appear similar to a bunion. As the condition progresses, more degenerative changes to the joint occur. More spurs develop, the range of motion gradually decreases and the joint can become very stiff. When the pain increases and the function decreases, we then refer to this as Hallux rigidus.聽<br>
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How do you get arthritis in your feet?<br>
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Arthritis in the big toe joint can be hereditary but also due <a href=http://www.louisvuitton-pascher.com>Sac Louis vuitton</a> to structural abnormalities of the foot.聽 Most patients notice a gradual enlargement of the big toe joint with bumps on the top and side of the joint.聽 However, many times it鈥檚 only with increased exercise or activity levels that they may notice increased pain, achiness and sometimes swelling of the joint.聽<br>
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The condition can easily be diagnosed in a physical exam by your podiatrist and with X-rays of the foot.聽聽The X-rays are needed to determine the extent of the issue and help guide treatment.<br>
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How do you treat it?<br>
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Non-surgical: Hallux limitus is initially treated conservatively.聽 Depending on your pain level you may need steroid injections to decrease inflammation in the area, oral anti-inflammatory medication or ice/heat therapy.聽 Changing shoe gear is important as well as adding custom orthotic devices to your shoes to help offload the stress at the big toe joint.<br>
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If the condition continues to progress, causing pain and decreased function, despite the conservative treatment, surgery is then recommended.聽 The severity of the condition at that time will determine which surgical procedure to do.聽<br>
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For more minor conditions we can perform a cheilectomy where the spurs are resected from the joint area.聽 This can help improve the joint motion and decrease pain.聽 It is known as a joint-salvaging procedure so the joint is preserved.<br>
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For more advanced conditions where the joint is significantly degenerated, the joint-salvaging procedures are not <a href=http://www.louisvuitton-pascher.com>LOUIS VUITTON Site Officiel</a> the best option.聽 We then need to look at replacing or fusing the joint surfaces.聽<br>
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Depending on your foot structure and the level of joint involvement you may be a candidate for joint replacement where one or both surfaces are replaced with a joint implant.聽 This allows for continued joint range of motion, decreased effect on activity level and improved patient satisfaction.聽<br>
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There are risks of the implant loosening or failing over time, possibly requiring future <a href=http://www.louisvuitton-pascher.com>LOUIS VUITTON Homme</a> surgical revision.聽<br>
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If you are not a candidate for joint replacement, the next option is joint fusion.聽 This is done by removing the damaged cartilage and fixating the area with screws and possibly a plate.聽 This is a permanent correction of the condition with elimination of the arthritis and improved pain.聽<br>
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Most patients do very well with this despite having a fused joint and most are able to resume some type of physical activity.聽 Recovery from surgery is quicker for the cheilectomy and joint implant-approximately four to six weeks, but a little longer for the fusion so as to allow adequate time for the bones to fuse-up to eight to 10 weeks.聽<br>
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Again, conservative treatment is the best option, but if left unchecked, surgery may be the only option left. If you are unsure if you have arthritis in your feet, contact your podiatrist and have a full examination.<br>
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Dr. Sarah Voelkel is a foot and ankle surgeon at . <br>
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Why did we need this law? Mistakes were made on both sides. Borrowers who were behind on their payments did not know where to turn for help. If they did <a href=http://www.buycelinebags.com/celine-luggage-43>Celine Luggage</a> know, many were too embarrassed to do so. Lenders often did not return borrowers' requests for meetings. Some said they were too busy; others did not want to renegotiate the interest rate in order to keep the buyer in the home.
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For more Foot Health columns, click .<br>
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Many underwater borrowers who made timely payments genuinely wished to stay in the home. They felt they deserved at least a conversation with their loan-decision maker-especially since the country recently bailed the banking industry.
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We have a nephew who was in that boat. The three-bedroom home his family purchased four years ago in a huge subdivision had plunged in value. While their hefty monthly mortgage payment was a stretch from the outset, the family had researched schools and churches in the area and decided this was the neighborhood for them. His wife took a job as a substitute teacher to help make ends meet.
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"We never missed a payment," Matt said. "When rates dropped under 4 percent, we approached the bank about lowering our interest rate. We read about what other lenders were doing for owners who were behind and in financial trouble because of the economy. I realized that we probably  wouldn't ever get what we paid for the house, but our bank still said there was nothing it could do for us."
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Fast forward nine months and two more written attempts to the bank to reduce the interest rate. Still, no help from the bank.
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"I spoke to an attorney who told me I probably wouldn't get any response until I was behind on my loan," Matt said. "That seemed crazy. Other people were getting bailed out, but I just wanted a lower rate. Seriously, I didn't want to hurt my credit by getting behind, but there were larger homes in our neighborhood we could rent for half of what we were paying on a mortgage."
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Matt decided to stop paying the mortgage and become a "strategic defaulter" - a borrower who could make payments but decided against doing so. After four months, he got the lender's attention but he was so soured by the bank's lack of communication and unwillingness to listen that he decided to stay in the house until it was repossessed.
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It's sad to think that one conversation-one mediation-could have made a difference. At the least, it would have forced the lender to act-to communicate.
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For more information about the Foreclosure Fairness Act, telephone the Washington Foreclosure Hotline a 1-877-894-4663 or visit .
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Tom Kelly's novel  is available in print at bookstores everywhere and in both print and Ebook form from a variety of digital outlets. Follow real estate agent and former basketball coach Ernie Creekmore as investigates the disappearance of his star player on a late-night boat. Check out the national reviews and put  on your list.
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Revision as of 08:12, 15 August 2014

@@@ By Dr. Sarah Voelkel
KyForward columnist
  Women 鈥?are you confusing a bunion with arthritis?
  No woman wants to hear that she has arthritis, especially in her feet.聽 But with the average person taking thousands of steps each day, it鈥檚 no wonder arthritis affects us.聽
  Unfortunately, some women confuse what they think is pain from a bunion with arthritis in the big toe joint. This condition is called Hallux limitus and most commonly affects females. We usually see its onset in a patient鈥檚 30s, and it progresses over time.
  Hallux rigidus (Photo from Wikimedia Commons) The reason women may confuse Hallux limitus with a bunion is the fact that this condition also causes a bump and enlargement at your big toe joint that may appear similar to a bunion. As the condition progresses, more degenerative changes to the joint occur. More spurs develop, the range of motion gradually decreases and the joint can become very stiff. When the pain increases and the function decreases, we then refer to this as Hallux rigidus.聽
  How do you get arthritis in your feet?
  Arthritis in the big toe joint can be hereditary but also due <a href=http://www.louisvuitton-pascher.com>Sac Louis vuitton</a> to structural abnormalities of the foot.聽 Most patients notice a gradual enlargement of the big toe joint with bumps on the top and side of the joint.聽 However, many times it鈥檚 only with increased exercise or activity levels that they may notice increased pain, achiness and sometimes swelling of the joint.聽
  The condition can easily be diagnosed in a physical exam by your podiatrist and with X-rays of the foot.聽聽The X-rays are needed to determine the extent of the issue and help guide treatment.
  How do you treat it?
  Non-surgical: Hallux limitus is initially treated conservatively.聽 Depending on your pain level you may need steroid injections to decrease inflammation in the area, oral anti-inflammatory medication or ice/heat therapy.聽 Changing shoe gear is important as well as adding custom orthotic devices to your shoes to help offload the stress at the big toe joint.
  If the condition continues to progress, causing pain and decreased function, despite the conservative treatment, surgery is then recommended.聽 The severity of the condition at that time will determine which surgical procedure to do.聽
  For more minor conditions we can perform a cheilectomy where the spurs are resected from the joint area.聽 This can help improve the joint motion and decrease pain.聽 It is known as a joint-salvaging procedure so the joint is preserved.
  For more advanced conditions where the joint is significantly degenerated, the joint-salvaging procedures are not <a href=http://www.louisvuitton-pascher.com>LOUIS VUITTON Site Officiel</a> the best option.聽 We then need to look at replacing or fusing the joint surfaces.聽
  Depending on your foot structure and the level of joint involvement you may be a candidate for joint replacement where one or both surfaces are replaced with a joint implant.聽 This allows for continued joint range of motion, decreased effect on activity level and improved patient satisfaction.聽
  There are risks of the implant loosening or failing over time, possibly requiring future <a href=http://www.louisvuitton-pascher.com>LOUIS VUITTON Homme</a> surgical revision.聽
  If you are not a candidate for joint replacement, the next option is joint fusion.聽 This is done by removing the damaged cartilage and fixating the area with screws and possibly a plate.聽 This is a permanent correction of the condition with elimination of the arthritis and improved pain.聽
  Most patients do very well with this despite having a fused joint and most are able to resume some type of physical activity.聽 Recovery from surgery is quicker for the cheilectomy and joint implant-approximately four to six weeks, but a little longer for the fusion so as to allow adequate time for the bones to fuse-up to eight to 10 weeks.聽
  Again, conservative treatment is the best option, but if left unchecked, surgery may be the only option left. If you are unsure if you have arthritis in your feet, contact your podiatrist and have a full examination.
 

Dr. Sarah Voelkel is a foot and ankle surgeon at .
  For more Foot Health columns, click .
 
 
 
 
 
 

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