So people have inferior protection under law than corporations. Nice we have that clearly established.

It's all 50 now.

The new 'No Attorney General Left Behind Act' - as if that one lone hold out wouldn't have been burned at dawn. Meh.

Last AG was probably Michigan's.

EDIT: Stand corrected - guess it was Alabama. Heh.

I am not behind in my mortgage, nor is my home particularly large or likely to be underwater any time soon. I paid 105K 16 years ago and the current balance is about 50K.

I am seriously thinking of bringing a quiet title suit for my deed of trust, then contacting the credit bureaus notifying them to properly list my loan as an unsecured promissory note.

Of course, this will increase my unsecured debt to income ratio, probably precluding my getting credit anytime soon. I wonder of the writer of my (unused) HELOC would help me, as they would move up in priority of claim on my house (provided they kept my HELOC in-house).

Ohio AG just wants a

I have no issue with people who default on their loans being asked to leave. The Catch 22 for the banks/mortgage companies/servicers would seem to be, if you boot a homeowner out who is paying partial on his note, but ends up in default and foreclosed, are you not potentially worse off owning the home on the other side of the ledger, taking the loss, and then being unable to market it because of no clear title?

Better (seems to me) to get a reduced income stream on an asset rather than none and realize a loss and an illiquid asset, I would think. Or does the RMBS securitizations on the back end force their hand eventually to resolve it anyway?

Very confusing to an moran such as myself.

Course one that precedent gets set, the parties over, so I guess thats what keeps the foreclosure wheel turning.

Political campaign money is a very strong influence for those deciding the outcome. They already tried shoving a bill through the senate and congress. They almost did it.

You keep hearing political people saying their not out to destroy the banks, they want to resolve the issue. Translation: shove it under the table right now.

What evidence do you have that ALL foreclosures are illegitimate? You're presuming that the individuals who invest in banks (including all depositors) are guilty of fraud in ALL cases where a foreclosure is made.

That's what a foreclosure moratorium does.

Now, if there were a court ruling against a specific bank such that a significant number of their foreclosures were suspect, it would make sense that a moratorium on foreclosure proceedings *by that lender* be enacted. I'd be dubious about allowing a class action suit to do likewise for all banks (or rather, all those named in the suit) and certainly against a stay on forclosures before a ruling, though there are precedents for halting transactions in a case where the transaction cannot be reversed or would destroy evidence, which is not the case with a foreclosure.

While it may be possible that many (even most) foreclosure proceedings are actually being done in absence of a legal right to do so, but the burden of proof is on the accuser. Anything else is abandonment of the rule of law, which you are ever more frequently advocating.

Surreal - I never really, really believed Ben B would literally blow out our money supply. But watching simultaneously the MERS / MBS system (encompassing approx. $6-10T) being fundamentally questioned and the massive implications while the market has been told "buy, buy, buy; we got your back and always will".

This is stunning that the potential (highly plausible?) collapse of the basis of our financial system (even if we just assume 10% of mortgage debt is fradulent and to be put back on banks...still $600b to $1T w/ the resultant losses of 30% to 70% on that...huge implication) is met with thunderous applause and unbridled buying!!!

I was a great fool to not believe in the power of TPTB...they have effectively said black is white and white is black...and so it now shall be. I am really sorry to see America has been captured and surrendered without a single shot being fired.

Stopping all foreclosures is not the answer. Stopping all foreclosures which a true and accurate chain of title cannot be established is correct. If you loaned the money and you have the note and they don't pay you, then you should be able to foreclose under the terms and conditions of that individual state. To stop everything is wrong and will just prove even more disruptive. But after the first nuke hits, what more harm can be done anyway.

While I am all for the investigation and the procecusion of wrong doers, I would bet money that every single one of these banks will settle out of court, admit no wrong doing and states will be dancing in the streets with all the "free money" they get from the settlement (Tobacco company style).

Its going to be a stealth bailout of the states disguised as justice.

I just fired this off to my AG.

Quote:

I'm concerned about the original problem that the recent "robosigning" revelation is covering: that there could be a loss of the chain of title due to improper handling of loan and deed of trust documents. If there is no way for banks to prove they own the loan, or have an interest in a piece of Real Property, then it also impacts those who are NOT facing foreclosure, but are instead moving toward payoff of the loan, since it may not be possible to get a clear title to the property back out of the MERS/REMIC/MBS cesspool.

Please consider putting the pressure of the State AGs on MERS and the Lenders/Servicers/RE Trusts to open the database for inquiry on the COMPLETE chain of transfers of both the deed of trust and lien that they hold in the database. (That is, those transfers that SHOULD HAVE BEEN recorded with the county clerk, but were usurped into a private system... the same documents now being "recreated" and "robosigned"). Consider that this, like the free Annual Credit Report law, is merely to make sure that private citizens can get information they need to protect their own financial interests.

In the end, you should seek a declaration that MERS is invalid for trustee deed assignment, and seek to purge it from the land records of all property records in WA state, replacing it with proper recorded transactions so that faith in the chain of title, and defense of same in our courts can be restored.

All the AGs are FOS. Just look in all the ****ing boxes. The banks have been allowed to do anything they wanted. So they adopted the model of the oldest profesion. You got it you sell it you still got it and you sell it agian. No AG even asked to see MERS records because they dont have any. I would say the deeds were not gone, they are everywhere at the same time. Paper deeds are going to be off on some other road only to show up after the dust settels.

I don't care what anyone says, THIS BULL**** NEEDS TO STOP NOW:

Quote:

"Rocket Docket" rushing foreclosures, lawyers say

Under pressure to move cases quickly Duval circuit's goal is to resolve 25 per hour.

Posted: October 11, 2010 - 12:00am
By Roger Bull


The cases go quickly through the conference room on the fifth floor of the Duval County Courthouse. That's where a special foreclosure court has been set up to hear foreclosures and nothing but.

With 15,000 open foreclosure cases in Duval County, it's staffed by retired judges with a goal of resolving 25 cases an hour, leading some critics to label it the "Rocket Docket," and there are harsher descriptions as well.

"The fundamental problem," said Chip Parker, an attorney who specializes in foreclosure defense, "is that for the first time, this court was created with the specific goal of reducing foreclosures 62 percent."

"If they find for the defendant, the plaintiffs [usually lenders] just refile," he said. "The only way to reduce [the case load] is to give it to the plaintiff. It's designed with a result in mind, and that's not how justice is supposed to work."

With millions of Americans facing foreclosure, much of the foreclosure process itself is in well-publicized disarray. At least seven states are investigating allegations of wrongdoing involving bogus signatures and missing documents.

On Friday, Bank of America announced that it was stopping foreclosures in all 50 states after evidence that employees and lawyers signed documents without verifying them. JP Morgan Chase & Co and Ally Financial have stopped foreclosure proceedings in some states after similar evidence surfaced.

Several cases have been tossed out by Florida judges who found fraud. Duval Circuit Judge Jean Johnson declared that one South Florida law firm under investigation, Shapiro & Fishman, had "committed fraud on this court" on behalf of Chase. She dismissed the case in August, finding in favor of Parker's client, because of fraudulent documents.

"We have not encountered any fraud yet," said Judge A.C. Soud who is in charge of the newly created foreclosure division. "If we encountered fraud, it would go to [State Attorney] Angela Corey, I can tell you that."

The special foreclosure courts that began operating July 1 are funded by $9.6 million budgeted by the state Legislature.

In the Fourth Circuit, four judges rotate in Jacksonville, one at a time working a four-day week. Clay and Nassau counties each have one judge working two days a week.

So far, they have been losing ground: There were 12,104 open cases in Duval County on July 1, now there are 15,088. But Soud said the court started slowly because banks were not ready to proceed in July.

But now, with all the questions, Soud said plaintiffs are now cancelling their hearings, including 40 to 50 that had been set for Thursday, to verify their documentation.

Starting in January, Soud plans to add a second judge for two days a week in Jacksonville and reduce the staffing in Clay and Nassau to just one day a week.

The goal, Soud said, is to resolve 25 cases per hour, which includes uncontested cases which make up 98 percent of them. Usually, it's lawyers who come to the conference to present their motions, but occasionally, a homeowner comes to represent himself.

The court, like other foreclosure courts in Florida, has harsh critics among some of the attorneys who make regular appearances.

Parker said that in the three years before the foreclosure court was established, his firm participated in about 100 hearings for a contested final summary judgment and never lost one. With the new court, they are 1-for-15, winning their first last week in Clay County.

"For the first time, they're not even pretending to be unbiased arbiters of justice," Parker said.

Mark Kessler, who is in the Duval County foreclosure court almost every day representing plaintiffs/lenders, disagreed.

"I take great issue with some of those comments," he said. "These judges are extremely fair. It's not like it's a steamroller, they pay close attention to each of the cases."

Victoria McNair, an attorney with Three Rivers Legal Services won a case for her client last week - the foreclosure was dismissed. She and Parker think it's the first one that's been dismissed since the court began in July.

"They're under a lot of political pressure to move so many cases so fast," she said. "There's the sheer volume of having to deal with all the stuff these foreclosure mills have filed. And the law is changing so fast, maybe some of these judges need some learning curve time.

"If they've been out [off the bench] for more than three years, they've missed all the changes in the foreclosure law."

At the heart of the foreclosure controversy are the affidavits that the plaintiffs file which says who owns the note, how much money is owed, etc. Employees at several major lenders have admitted signing the affidavits without confirming the information was correct.

"The foreclosure mills take these cases by the thousands," McNair said, "and they do it by cutting all the corners and all the laws. When they file these things, they're all defective. They just don't have the elements that law requires."

Among Parker's concerns is that affidavits are routinely accepted in foreclosure court without the supporting records to show that they're correct.

"I really believe we're subverting the rule of law for the convenience of clearing the docket," he said "There is clearly a second set of rules being followed by the foreclosure judges."

But Soud said that's not true, and that the required records are included.

"What we have is affidavits that are attached and filed in these hearings that are signed by people who are custodians of the records," he said.

"We're following the law as we understand it," he said. "We're just not doing it the way they think it should be done. If they don't like it, that's what the First District Court of Appeals in Tallahassee is for."

While most of the business in the courtroom is done by lawyers, homeowners do show up.

Wednesday, Robert E. Lee came in with a stack of medical records to explain why he hadn't made the payments on his house since 2008. On disability, the 59-year-old retired railroad worker had been in the hospital five times in the past two years. And he knew he'd overpaid when he agreed to pay $90,000 for his house off Kings Road near Edward Waters College when it was appraised at half that.

But after the deaths of his wife and daughter, he really wanted to be in a neighborhood where he had so many relatives. That's what he said he wanted to explain to Judge Aaron Bowden.

"I didn't get a chance to tell him anything," Lee said. "I tried to tell him what was going on and he told me to stop whining. He gave me until Dec. 2 and that's enough time for me to find a place to stay."
http://jacksonville.com/business/real-es....

I don;t see how contract law associated with the UCC can be negated through some action of the Prez, or executive order. The world operates via the UCC. This is going to be a big big mess.

I believe a moratorium should be partial, if there's going to be one

Note securitized - odds of fraud are high, enforce a moratorium

Note held by loan issuing bank - odds that they are defrauding themselves are very slim - no moratorium - but of course they still have to abide the law and due process

Uh oh...

Quote:

Mortgage Servicers Must Suspend Foreclosures In NY, State Says

Submitted by Steven Meyerowitz on Wed, 10/13/2010 - 12:40pm

The N.Y. State Banking Department has suspended home foreclosure actions by mortgage loan servicers, requiring that they conduct internal reviews of their foreclosure practices.

The servicers were also asked to respond to the Banking Department on the following issues: the steps the servicer is taking or has taken to review the foreclosure process in New York; the results of the review, including a description of the process for verifying affidavits; the corrective action, if any, the servicer has taken or intends to take in response to the review; the measures taken to ensure that affidavits filed in New York foreclosure actions are executed in compliance with New York law; and the status of pending foreclosure actions in New York and measures taken to suspend such actions pending review.

The N.Y. Banking Department joins 47 state attorneys general and 37 banking and mortgage regulators as part of a multi-state group that is investigating the foreclosure practices of mortgages servicers throughout the country.
http://www.financialfraudlaw.com/lawblog....

Wow! Its getting hard to keep up with my day job :-)

The fraud must be even worse among the non-judicial states...

Quote:

Attorney General McKenna calls for mortgage trustees to suspend questionable foreclosures

October 13, 2010

SEATTLE – Washington Attorney General Rob McKenna announced today that his office has uncovered evidence that suggests foreclosure trustees are ignoring consumer protection laws in Washington, adding a new layer to a stack of problems reported in the mortgage-servicing industry. He sent letters today to 52 trustees outlining his concerns and calling on them to suspend any questionable foreclosures in the state.

“As part of our ongoing investigation, we have received complaints and information that indicate the Washington foreclosure process frequently includes inaccurate documents, conflicts-of-interest, faulty chains of title and failures to provide the disclosures and conduct mediations required by law,” McKenna said during a press conference today in Seattle with officials from the Department of Financial Institutions (DFI) and the Washington State Housing Finance Commission. “Some of these practices can deprive homeowners of their legal right to assert legitimate defenses in an action to save their homes.”

“Problems aren’t limited to the national banks and mortgage servicers, however, and appear to extend to foreclosure trustees,” he continued.

Specific concerns addressed in McKenna’s letter to foreclosure trustees:

Employees of foreclosure trustees are signing documents posing as the corporate officer of multiple banks and mortgage servicers and signatures of some trustees vary widely from document to document. This appears to be happening even though signatures are notarized with a statement that the signer is the actual person standing before the notary.

Trustees may be foreclosing on homes when there is no clear chain of ownership for the loan or the security interest. At the national level, there are reports of lenders “reverse-engineering” the chain of title, including back-dating documents to make it appear as though the loan was passed from company to company.
http://atg.wa.gov/pressrelease.aspx?....

Is Alabama really the only state that didn't join? Anyone know why? Snowmizah? Troy King must be busy doing something else, huh? Jesus...

Karl,
In regards to the state's AG offices, I was thinking of a way to get the forum group to pound these offices with pointed emails.
The staff read the emails, right?
We need to tell them that THEIR PENSION FUND IS UNDERFUNDED AND RIDDLED WITH FRAUDULENT MBS PRODUCTS, TOO.
Maybe, we can get all AG staffs' attention here, start hammering these banks, from the state level. Our freedom and liberty is at stake.
This may be our last shot at getting the fraud out into the open. Some peeps, only care when it is in their own backyard.
Right now, it is.

Alabama:

Attorney Generals Website - http://www.ago.state.al.us/contact.cfm

Phone number to AG: 334-242-7300

Mailing Address: Office of the Attorney General 500 Dexter Avenue Montgomery, AL 36130

Consumer Affairs #: 1-800-392-5658

Online Consumer Complaint Form: http://www.ago.state.al.us/consumer_comp....

Rescission Period: unknown


Alaska

Website: http://www.law.state.ak.us/

Phone #: 907-465-2133

Mailing Address: Attorney General Daniel S. Sullivan P.O. Box 110300 Juneau, AK 99811-0300

direct email: attorney.general@alaska.gov

consumer protection site/division: http://www.law.state.ak.us/departmen........

online consumer complaint information: http://www.law.state.ak.us/departmen...c....

Rescission Period: 15 days



Arizona

Website: http://www.azag.gov/

email: aginfo@azag.gov

Phone: 800.352.8431

Mailing Address: 1275 West Washington Street Phoenix, AZ 85007

Consumer Protection Division: http://www.azag.gov/consumer/

online complaint form: http://www.azag.gov/consumer/OnlineInstr....

Rescission Period: 7 days



Arkansas

Website: http://www.ag.state.ar.us/

email: not listed

Phone Number: 1-800-482-8982

Mailing Address: 323 Center Street, Suite 200 Little Rock, Arkansas 72201

Consumer Protection: http://www.ag.state.ar.us/consumers_prot....

online complaint form: http://www.ag.state.ar.us/complaints...e....

Rescission Period: 5 days


California

Website: http://www.ag.ca.gov/

Email: not available

Phone: (800) 952-5225

Mailing Address: Attorney General’s Office California Department of Justice Attn: Public Inquiry Unit P.O. Box 944255 Sacramento, CA 94244-2550

Consumer Protection: http://ag.ca.gov/consumers/general.php

Online Complaint form: http://ag.ca.gov/contact/complaint_form.....

Rescission Period: 7 days


Colorado

Website: http://www.ago.state.co.us/

Email: attorney.general@state.co.us

Phone: 303-866-5189

Mailing Address: 1525 Sherman St. 7th floor Denver, CO 80203

Consumer Protection: http://www.ago.state.co.us/consumer_...P....

Online Complaint form: http://www.ago.state.co.us/consline/comp.... (printable form)

(appears colorado expects people to go specifically through the BBB, fail)

Rescission Period: 5 days


Connecticut

Website: http://www.ct.gov/ag/site/default.asp

Email: attorney.general@po.state.ct.us

Phone: (860) 808-5318

Mailing Address: 55 Elm Street Hartford, Connecticut 06106

Consumer Protection: http://www.ct.gov/dcp/site/default.asp

Online Complaint form: http://www.ct.gov/dcp/cwp/view.asp?a=162....

Rescission Period: 72 hours (fail)



Delaware

Website: http://attorneygeneral.delaware.gov/

Email: Attorney.General@State.DE.US

Phone: (302) 577-8600

Mailing Address: Carvel State Office Building 820 N. French Street Wilmington, DE 19801

Consumer Protection: http://attorneygeneral.delaware.gov/...g....

Online Complaint form: http://attorneygeneral.delaware.gov/...o....

Rescission Period: unknown


District of Columbia

Website: http://occ.dc.gov/occ/site/default.asp

Email: oag@dc.gov and consumercomplaint.oag@dc.gov

Phone: (202) 727-3400

Mailing Address: 441 4th Street, NW, Suite 1145S Washington, DC 20001

Consumer Protection: http://occ.dc.gov/occ/cwp/view,a,122...7....

Online Complaint form: http://occ.dc.gov/occ/cwp/view,a,1223,q,....

Rescission Period: unknown



Florida

Website: http://myfloridalegal.com/

Email: http://myfloridalegal.com/contact.ns...t....

Phone: 866-966-7226

Mailing Address: Office of Attorney General State of Florida The Capitol PL-01 Tallahassee, FL 32399-1050

Consumer Protection: http://myfloridalegal.com/pages.nsf/...7.... (nice that its at least timeshare specific info, and it appears they have edited it a bit per my recommendations)

Online Complaint form: http://www.myfloridalegal.com/ConsumerCo....


Rescission Period: 10 days

Georgia


Website: http://law.ga.gov/02/ago/home/0,2705,876....

Email: unable to locate

Phone: (404) 656-3300 (AG), 404-651-8600 (Consumer Affairs)

Mailing Address: 40 Capitol Square, SW, Atlanta, GA 30334-1300

Consumer Protection: http://consumer.georgia.gov

Online Complaint form: http://consumer.georgia.gov/vgn/imag...p.... (NOTE: no on-line submission; link is to PDF complaint form)

Rescission Period: 7 Business days



Hawaii

Website: http://hawaii.gov/ag

Email: hawaiiag@hawaii.gov

Phone: (808) 586-1500

Mailing Address: 425 Queen St., Honolulu, HI 96813

Consumer Protection: http://hawaii.gov/dcca/areas/ocp

Online Complaint form: http://hawaii.gov/dcca/areas/ocp/consume....

Rescission Period: 7 days



Idaho


Website: http://www2.state.id.us/ag/

Email:

Phone: (208) 334-2400

Mailing Address: Statehouse, Boise, ID 83720-1000

Consumer Protection: http://www2.state.id.us/ag/consumer/inde....

Online Complaint form: http://www2.state.id.us/ag/consumer/...n....

Rescission Period: unknown




Illinois

Website: www.illinoisattorneygeneral.gov/

Email: http://www.illinoisattorneygeneral.g...t....

Phone: (312) 814-3000

Mailing Address: James R. Thompson Ctr., 100 W. Randolph St., Chicago, IL 60601

Consumer Protection: http://www.illinoisattorneygeneral.g...e....

Online Complaint form: http://www.illinoisattorneygeneral.g...s....

Rescission Period: 5 days



Indiana

Website: http://www.in.gov/attorneygeneral/

Email: Constituent@atg.in.gov

Phone: 317-232-6201 (AG), 800-382-5516 (Consumer Protection)

Mailing Address: Indiana Government Center South - 5th Floor, 402 West Washington Street, Indianapolis, IN 46204

Consumer Protection: http://www.indianaconsumer.com/

Online Complaint form: http://www.indianaconsumer.com/consumer_....

Timeshare laws/regulations: http://www.idfpr.com/DPR/RE/TSLS.asp
and
http://law.justia.com/indiana/codes/.../....

Rescission Period: 72 hours



Iowa


Website: http://www.IowaAttorneyGeneral.org

Email: webteam@ag.state.ia.us

Phone: (515) 281-5164

Mailing Address: Hoover State Office Bldg., 1305 E. Walnut, Des Moines, IA 50319

Consumer Protection: http://www.iowaattorneygeneral.org/p...e....

Online Complaint form: http://www.iowaattorneygeneral.org/f...i....

Timeshare laws/regulations: http://www.legis.state.ia.us/IACODE/2003....

Rescission Period: 5 days



Kansas

Website: http://www.ksag.org/home/

Email: general@ksag.org

Phone: (785) 296-2215

Mailing Address: 120 S.W. 10th Ave., 2nd Fl., Topeka, KS 66612-1597

Consumer Protection: http://www.ksag.org/content/page/id/39

Online Complaint form: http://www.ksag.org/content/page/id/54

Timeshare laws/regulations: Strangely - none can be located.

Rescission Period: unknown



Kentucky

Website: http://ag.ky.gov

Email: Attorney.Generalag.ky.gov

Phone: (502) 696-5300

Mailing Address: State Capitol, Rm. 116, Frankfort, KY 40601

Consumer Protection: http://ag.ky.gov/civil/consumerprotectio....

Online Complaint form: http://ag.ky.gov/civil/consumerprotectio....

Rescission Period: 5 business days



Louisiana

Website: http://www.ag.state.la.us/

Email: ConsumerInfo@ag.state.la.us

Phone: (225) 342-7013

Mailing Address: P.O. Box 94095, Baton Rouge, LA 70804-4095

Consumer Protection: http://www.ag.state.la.us/Article.as...e.... on

Online Complaint form: http://www.ag.state.la.us/Article.as...I....

Timeshare laws/regulations: http://www.legis.state.la.us/lss/lss.asp....

Rescission Period: 7 days



Maine

Website: http://www.maine.gov/ag/

Email: consumer.mediation@maine.gov

Phone: 207-626-8800

Mailing Address: 6 State House Station Augusta, ME 04333

Consumer Protection: http://www.maine.gov/ag/consumer/index.s....

Online Complaint form: http://www.maine.gov/ag/consumer/com...i....

Timeshare laws/regulations: none listed

Rescission Period: 10 days




Maryland


Website: http://www.oag.state.md.us/

Email: Consumer@oag.state.md.us

Phone: (410) 528-8662


Mailing Address: 200 St. Paul Place, Baltimore, MD 21202

Consumer Protection: http://www.oag.state.md.us/Consumer/inde....

Online Complaint form: https://web.oag.state.md.us/editor/c...=MUGeneral.htm

Timeshare laws/regulations: none listed

Rescission Period: 10 days




Massachusetts

Website: http://www.mass.gov/?pageID=cagohome...=....

Email: emailcomplaints@state.ma.us

Phone: (617) 727-8400

Mailing Address: 100 Cambridge Street Boston, MA 02114

Consumer Protection: http://www.mass.gov/?pageID=cagotopi...i on&sid=Cago

Online Complaint form: http://www.mass.gov/Cago/docs/Consum...p.... (printable pdf file)

Timeshare laws/regulations: none

Rescission Period: 3 days




Michigan


Website: http://www.michigan.gov/ag

Email: miag@michigan.gov

Phone: (517) 373-1140

Mailing Address: G. Mennen Williams Building, 7th Floor 525 W. Ottawa St. P.O. Box 30212 Lansing, MI 48909

Consumer Protection: http://www.michigan.gov/ag/0,1607,7-...3....

Online Complaint form: https://secure1.state.mi.us/complaints/consumer.aspx

Timeshare laws/regulations: none listed

Rescission Period: 5 days




Minnesota


Website: http://www.ag.state.mn.us/

Email:

Phone: (800) 657-3787

Mailing Address: 1400 Bremer Tower 445 Minnesota Street St. Paul, MN 55101


Consumer Protection: http://www.ag.state.mn.us/Consumer/YLR/D....

Online Complaint form: http://www.ag.state.mn.us/Consumer/Compl....

Timeshare laws/regulations: none listed

Rescission Period: 5 days





Missouri
Website: http://ago.mo.gov/

Email: consumer@ago.mo.gov

Phone: 1-800-392-8222

Mailing Address:
Missouri Attorney General's Office
Supreme Court Building
207 W. High St.
P.O. Box 899
Jefferson City, MO 65102

Consumer Protection: http://ago.mo.gov/Consumer-Protection.ht....

Online Complaint form: https://www.consumer.ago.mo.gov/

Timeshare laws/regulations:
Missouri Revised Statutes, Chapter 407, Section 600-630
http://www.moga.mo.gov/STATUTES/C407.HTM

Recission: Five Calendar Days
http://www.moga.mo.gov/statutes/C400-499....


Mississippi

Website: http://www.ago.state.ms.us/

Email:

Phone: 601-359-4230

Mailing Address:
Consumer Protection Division
P.O. Box 22947
Jackson, MS 39225-2947

Consumer Protection: http://www.ago.state.ms.us/index.php/sec....

Online Complaint form: http://www.ago.state.ms.us/index.php/con....

Timeshare laws/regulations:
Mississippi Real Estate License Law, Section VIII
http://www.mrec.state.ms.us/docs/mre...w....

Recission: Seven Calendar Days


Montana


Website: http://www.doj.mt.gov/

Email: contactdoj@mt.gov

Phone: (800) 481-6896

Mailing Address: Attorney General Steve Bullock Department of Justice P.O. Box 201401
Helena, MT 59620-1401


Consumer Protection: http://www.doj.mt.gov/consumer/default.a....

Online Complaint form: http://www.doj.mt.gov/consumer/consu...p....

Timeshare laws/regulations: none found

Rescission Period: unknown




Nebraska


Website: http://www.ago.ne.gov/

Email: none listed

Phone: (800) 727-6432

Mailing Address: Office of the Attorney General 2115 State Capitol Lincoln, NE 68509

Consumer Protection: http://www.ago.ne.gov/consumer/

Online Complaint form: http://www.ago.ne.gov/consumer/howdoicp.....

Timeshare laws/regulations: none listed

Rescission Period: unknown



Nevada


Website: http://ag.state.nv.us/

Email: http://ag.state.nv.us/about/contact/form....

Phone: (702) 486-7355.

Mailing Address: Grant Sawyer Bldg. 555 E. Washington Ave Suite 3900 Las Vegas, Nevada 89101


Consumer Protection: http://ag.state.nv.us/org/bcp/bcp.htm

Online Complaint form: http://ag.state.nv.us/org/bcp/complaint.....

Timeshare laws/regulations:

Rescission Period: 5 days



New Hampshire


Website: http://doj.nh.gov/

Email: none listed

Phone: 1-888-468-4454

Mailing Address: 33 Capitol Street Concord, NH 03301


Consumer Protection: http://doj.nh.gov/consumer/index.html

Online Complaint form: http://www.egov.nh.gov/consumercomplaint....

Timeshare laws/regulations: none listed

Rescission Period: 5 days




New Jersey


Website: http://www.state.nj.us/lps/

Email: askconsumeraffairs@lps.state.nj.us

Phone: (800) 242-5846

Mailing Address: 124 Halsey Street Newark, New Jersey 07102

New Mexico

Website: http://www.nmag.gov/

Email: publicinformationoff@nmag.gov

Phone: 1-800-678-1508

Mailing Address: 408 Galisteo Street Villagra Building Santa Fe, New Mexico 87501

Consumer Protection: http://www.nmag.gov/office/Divisions/CP/....

Online Complaint form: http://www.nmag.gov/office/Divisions/CP/....

Timeshare laws/regulations: http://www.nmag.gov/pdf/AGConsumer08.pdf

Rescission Period: 7 days


New York

Website: http://www.oag.state.ny.us/

Email: http://www.oag.state.ny.us/online_forms/....

Phone: 1-800-771-7755

Mailing Address: Office of the Attorney General The Capitol Albany, NY 12224-0341

Consumer Protection:

Online Complaint form: http://www.oag.state.ny.us/resource_...o....

Timeshare laws/regulations: http://www.oag.state.ny.us/bureaus/r...i....

Rescission Period: 7 days


North Carolina

Website: http://www.ncdoj.gov/

Email:

Phone: 877-5-NO-SCAM

Mailing Address: 9001 Mail Service Center Raleigh, NC 27699-9001

Consumer Protection: http://www.ncdoj.gov/Consumer.aspx

Online Complaint form: http://www.ncdoj.gov/getdoc/59be4357...a....

Timeshare laws/regulations: http://www.ncdoj.gov/Consumer/Purcha...i....

Rescission Period: 5 days


North Dakota

Website: http://www.ag.state.nd.us/

Email: ndag@nd.gov

Phone: 701 328-2210

Mailing Address: 4205 State Street PO Box 1054 Bismarck ND 58502-1054

Consumer Protection: http://www.ag.state.nd.us/CPAT/CPAT.htm

Online Complaint form: http://www.ag.state.nd.us/CPAT/PDFFiles/.... (downloadable pdf)

Timeshare laws/regulations: none

Rescission Period: unknown


Ohio
Website: http://www.ohioattorneygeneral.gov/

Email:

Phone: (800) 282-0515


Mailing Address: Ohio Attorney General Richard Cordray 30 E. Broad St., 17th Floor Columbus, OH 43215

Consumer Protection: http://www.ohioattorneygeneral.gov/S...t....

Online Complaint form: http://www.ohioattorneygeneral.gov/S...l....

Timeshare laws/regulations: none

Rescission period: 3 days




Oklahoma

Website: www.oag.state.ok.us

Email:

Phone: 405.521.3921

Mailing Address: 313 NE 21st Street, Oklahoma City, OK 73105

Consumer Protection: http://www.oag.ok.gov/oagweb.nsf/Consume....

Online Complaint form: http://www.oag.ok.gov/consumer/compl...c....

Timeshare laws/regulations: none

Rescission Period: Unknown


Oregon

Website: http://www.doj.state.or.us/

Email: consumer.hotline@doj.state.or.us

Phone: (503) 378-4400


Mailing Address:

Oregon Department of Justice
1162 Court Street NE
Salem, OR 97301-4096

Consumer Protection: http://www.doj.state.or.us/finfraud/inde....

Online Complaint form: http://www.doj.state.or.us/help/expl...o....

Timeshare laws/regulations: none listed

Rescission Period: 5 days


Pennsylvania

Website: http://www.attorneygeneral.gov/

Email: http://www.attorneygeneral.gov/theoffice....

Phone: 800-441-2555

Mailing Address:

Pennsylvania Office of Attorney General
16th Floor, Strawberry Square
Harrisburg, PA 17120

Consumer Protection: http://www.attorneygeneral.gov/consumers....

Online Complaint form: http://www.attorneygeneral.gov/complaint....

Timeshare laws/regulations: http://www.attorneygeneral.gov/press.asp....

Rescission Period: 5 days



Puerto Rico

Website: http://www.justicia.gobierno.pr/

Email:

Phone: 787-721-2900

Mailing Address:

Apartado 9020192
San Juan, Puerto Rico
00902-0192

Consumer Protection:

Online Complaint form:

Timeshare laws/regulations:

Rescission Period: unknown



Rhode Island

Website: http://www.riag.ri.gov/

Email:

Phone: (401) 274-4400

Mailing Address:

150 South Main Street
Providence, RI 02903

Consumer Protection: http://www.riag.ri.gov/civilcriminal...p....

Online Complaint form: none

Timeshare laws/regulations: none

Rescission Period: 5 business days


South Carolina

Website: http://www.scattorneygeneral.org/

Email: info@scattorneygeneral.com

Phone: 803-734-3970

Mailing Address:

The Honorable Henry McMaster
P.O. Box 11549
Columbia, S.C. 29211

Consumer Protection: http://www.scattorneygeneral.org/fraud/i....

Online Complaint form: none

Timeshare laws/regulations: none

Rescission Period: 5 days




South Dakota

Website: http://www.state.sd.us/attorney/

Email: consumerhelp@state.sd.us

Phone: (605) 773-4400

Mailing Address:
Division of Consumer Protection
1302 E Hwy 14
Suite 3
Pierre SD 57501-8503

Consumer Protection: http://www.state.sd.us/attorney/offi...e....

Online Complaint form: http://www.state.sd.us/attorney/appl...t....

Timeshare laws/regulations:
South Dakota Administrative Rules Chapter 20-69-12
http://legis.state.sd.us/rules/Displ...?....

Recission: Seven Calendar Days



Tennessee

Website: http://www.tn.gov/attorneygeneral/

Email: consumer.affairs@tn.gov

Phone: 615.741.4737

Mailing Address:
Office of the Attorney General and Reporter
P.O. Box 20207
Nashville, TN 37202-0207

Consumer Protection: http://tn.gov/consumer/index.shtml

Online Complaint form: http://tn.gov/consumer/consCompFrm.shtml

Timeshare laws/regulations:
Rules of the Tennessee Real Estate Commission, Chapter 1260-6
http://tennessee.gov/sos/rules/1260/1260....

Recission: Ten days (if on-site). (Fifteen days if not) .


Texas

Website: http://www.oag.state.tx.us/

Email: public.information@oag.state.tx.us

Phone: (512) 463-2100 (AG), (800) 621-0508 (Consumer Complaint Hotline)

Mailing Address: Capitol Station, P.O.Box 12548, Austin, TX 78711-2548

Consumer Protection: http://www.oag.state.tx.us/consumer/inde....

Online Complaint form: http://www.oag.state.tx.us/consumer/comp....

Timeshare laws/regulations: none listed

Rescission Period: 5 days


Utah

Website: http://attorneygeneral.utah.gov

Email: uag@utah.gov

Phone: (801) 366-0260

Mailing Address:
Utah State Capitol Office
Office of the Attorney General
Utah State Capitol Complex
350 North State Street Suite 230
Salt Lake City UT 84114-2320

Consumer Protection:
http://attorneygeneral.utah.gov/against_....

Online Complaint form:
http://consumerprotection.utah.gov/c...n....

Timeshare laws/regulations:
Utah Code – Title 57, Chapter 19 - Timeshare and Camp Resort Act
http://www.le.utah.gov/UtahCode/getC...?....

Rescission Period: Five calendar days


Vermont

Website: http://www.atg.state.vt.us/

Email: consumerquestion@atg.state.vt.us

Phone: 802 828-3171

Mailing Address:
Attorney General's Office
109 State Street
Montpelier, VT 05609-1001

Consumer Protection: http://www.atg.state.vt.us/issues/co...p....

Online Complaint form:

Timeshare laws/regulations:
Timeshare sales covered by the Consumer Fraud Act, http://www.leg.state.vt.us/statutes/.......

Recission: Three business Days


Virginia

Website: http://www.oag.state.va.us/

Email: http://www.vaag.com/CONTACTS/index.html

Phone: (804) 786-2116

Mailing Address:
Office of the Attorney General
900 East Main Street
Richmond, VA 23219

Consumer Protection: http://www.oag.state.va.us/CONSUMER/

Online Complaint form: http://www.vdacs.virginia.gov/forms-...1....

Timeshare laws/regulations:
Code of Virginia, Title 55, Chapter 21, TheVirginia Real Estate Time-Share Act
http://www.dpor.virginia.gov/dporweb...e....
http://leg1.state.va.us/cgi-bin/legp...2....

Recission Period: Seven Days. If the seventh day falls on a Sunday or Holiday, the next business day is the deadline



Virgin Islands

Website:

Email:

Phone:

Mailing Address:

Consumer Protection:

Online Complaint form:

Timeshare laws/regulations:




Washington

Website: http://www.atg.wa.gov/

Email:

Phone: 800-551-4636 (in-state), 206-464-6684 (out-of-state), 800-833-6384 (hearing impaired)

Mailing Address: 1125 Washington Street SE ... PO Box 40100 .... Olympia, WA 98504-0100

Consumer Protection: http://www.atg.wa.gov/SafeguardingConsum....

Online Complaint form: https://fortress.wa.gov/atg/formhand...ntactForm.aspx

Timeshare laws/regulations: RCW 64.36 link

Recission: 7 days


West Virginia
Website: http://www.wvago.gov/

Email: consumer@wvago.gov

Phone: (304) 558-8986

Mailing Address:
Consumer Protection
Anti-Trust Division
P.O. Box 1789
Charleston, WV 25326

Consumer Protection: http://www.wvago.gov/consumers.cfm

Online Complaint form: http://www.wvago.gov/pdf/general-con...l....

Timeshare laws/regulations:
Wv Statutes, Chapter 36, Article 9, West Virginia Real Estate Time-Sharing Act
http://www.legis.state.wv.us/WVCODE/...a....

Recission: Ten Calendar Days


Wisconsin

Website: http://www.doj.state.wi.us/ag/

Email: consumerquestion@atg.state.vt.us

Phone: (608) 266-1852

Mailing Address:
Wisconsin Department of Justice
P.O. Box 7857
Madison, WI 53707-7857
Fax: 608-267-2779

Consumer Protection: http://datcp.state.wi.us/core/consum...p....

Online Complaint form:

Timeshare laws/regulations:
Wisconsin Statute Chapter 707
http://www.legis.state.wi.us/statutes/St....
http://www.datcp.state.wi.us/cp/cons...r....

Recission: Five Business Days


Wyoming
Wyoming
Website: http://attorneygeneral.state.wy.us/

Email: baylwa@state.wy.us

Phone: 307-777-7874

Mailing Address:
Attorney General's Office
123 Capitol Building
200 W. 24th Street
Cheyenne, WY 82002

Consumer Protection:
http://attorneygeneral.state.wy.us/consu....