When foreclosure is looming, you not only need to understand all your client's options, you also need practical techniques for protecting your client's interests. Get the tools you need! This practical instruction begins with a detailed walk-through of the various loan workout options and the foreclosure process. Then take an in-depth look at how to handle the title and post-foreclosure issues commonly encountered when working with troubled assets. Take your skills to the next level. Order today!

1. The Foreclosure Process in Ohio
2. Workouts – The Various Tools in the Toolbox for Working Out Troubled Real Estate Loans 
3. Title Issues in the Foreclosure Process and Workout Context
4. Ethics
5. Post-Foreclosure Issues

The Foreclosure Process in Ohio
9:00 - 10:30, Gail C. Hersh Jr.

• Notice Requirements
• Foreclosure Hearing
• Foreclosure Sale
• The "Closing" With Third Party Bidders
• Deficiency

Workouts - The Various Tools in the Toolbox for Working Out Troubled Real Estate Loans
10:45 - 12:00, Cara R. Hurak

• Pre-Negotiation
• Forbearance
• Deed in Lieu of Foreclosure
• Loan Modifications
• Discounted Payoffs

Title Issues in the Foreclosure Process and Workout Context
1:00 - 2:15, Tabitha M. Hochscheid

• The Loan Policy
• Using the Title Commitment and Prior Title Information
• Title Aspects of Foreclosure Alternatives
• Title Issues During Foreclosure
• Parties Involved and Obtaining Jurisdiction
• Actions the Mortgage Holder can Take
• Post-Judgment Issues

Ethics
2:30 - 3:30, Tabitha M. Hochscheid

• Conflicts of Interest
• Multiple Representation Issues
• Due Diligence and Duty to Disclose
• Attorneys' Fees

Post-Foreclosure Issues
3:30 - 4:30, Cara R. Hurak

• Eviction and Ejectment
• Eviction Procedures and Issues
• Ejectment Procedures and Issues
• Liability for Code Violations, Taxes, Homeowner Dues, Etc.
• Property Preservation Problems

GAIL C. HERSH JR. is an attorney in the law firm of Manley Deas Kochalski, LLC. He has practiced in the areas of real estate litigation, foreclosure, creditors' rights and bankruptcy for over 17 years. Mr. Hersh is admitted to practice before the state courts of Ohio, Kentucky and Indiana, as well as the U.S. District Courts for Kentucky, Indiana and the Southern District of Ohio. He is a member of the Kentucky and Indiana State bar associations. Mr. Hersh is presently the chair of the Cincinnati Bar Association's Real Estate Committee. He is a frequent seminar presenter on various real estate topics for young lawyers, general practitioners and more specialized groups of attorneys. Mr. Hersh earned his B.A. degree from Kenyon College and his J.D. degree from the University of Cincinnati College of Law.

TABITHA M. HOCHSCHEID is a member of the Cincinnati law firm of Cohen, Todd, Kite & Stanford, LLC. She focuses her practice in the areas of creditor's rights (retail and commercial collections), landlord tenant, bankruptcy, and insurance subrogation. Ms. Hochscheid has extensive experience representing creditors, insurance companies and individuals in Ohio and Kentucky state courts and in federal bankruptcy court. Her clients include credit unions, building material suppliers, property management companies, financial institutions and insurance companies. Ms. Hochscheid frequently lectures on the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and other collection related topics. She is a member of the Commercial Law League of America, the National Association of Subrogation Professionals; and the Cincinnati, Ohio State, Kentucky and American bar associations.

CARA R. HURAK is an attorney with the law firm of Graydon Head & Ritchey LLP. She focuses her practice on commercial workouts, creditors' rights and bankruptcy. Ms. Hurak is a member of the Cincinnati Bar Association, the Tri-State Association for Corporate Renewal, and the International Women's Insolvency and Restructuring Confederation. She earned her B.S. degree from Purdue University, and her M.B.A. and J.D. degrees from the University of Dayton.

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