Frequently Asked Questions
McCurdy & Candler, L.L.C.
Mailing Address: P.O. Box 57 - Decatur,
GA 30031
Street Address: 250 East Ponce De
Leon Ave., Suite 600 •
Decatur, GA 30030
Phone: (404) 373-1612 Fax:
(404) 370-7237
Primary Contact:
| Deborah Chandler, Attorney, Dir. of Client Relations and Business Dev. |
| Email: dchandler@mccurdycandler.com |
| Office: (404) 373-1612 ext. 1839 |
|
Fax: (678) 891-5714 |
|
Mobile: (404) 200-2313 |
Matters Handled: Representation of
lenders, servicers, and credit unions for default related services including foreclosures, bankruptcy, replevins, eviction, title curative, REO closings and
related litigation.
Jurisdiction(s) Covered: All matters
in Georgia, as well as certain matters in Tennessee.
Fee Schedule/Invoicing: We handle
most routine matters for an agreed upon fixed fee. Fees
are generally set according to investor allowable. Non-routine
matters will be handled at an agreed upon hourly rate.
Firm will invoice direct or through 3rd party vendors
such as NewInvoice or IClear. We will provide a more detailed fee schedule upon request.
Timelines: Non-judicial foreclosures
in Georgia are completed well within 60 days (average
timeframe for completed sales is approximately 45 days).
Bankruptcy motions, evictions and replevins are filed or initiated within 24-48 hours.
Calls or requests for information are responded to within
1-2 hours.
Experience: Firm has been in existence
for over 50 years.
Rating: Firm has the highest “AV”
rating.
Designated Counsel: Firm is designated
by FannieMae to handle foreclosure matters in the State
of Georgia as well being an approved settlement and title agent
by numerous lending institutions and title companies.
Member: Firm is a member of the American
Legal & Financial Network (AFN), the Mortgage
Bankers Association of America, the Mortgage Bankers
Association of Georgia, the American Bankruptcy Institute, REOMAC and the Manufactured Housing Institute.
Referrals: Firm has access
to Lenstar, NewTrak, and VendorScape, to receive and process new referrals, but can also receive referrals via email or overnight mail, whatever the client's preference is. For billing, Firm can use NewInvoice
and IClear for electronic submission or can send invoices via email or facsimile, again, depending upon the client's preference.
DOCUMENTS NEEDED FOR NON-JUDICIAL FORECLOSURES
IN GEORGIA
- Copies of Security Deed, including Legal Description
(preferably recorded);
- Copy of note;
- Copy of all assignments including recording information
(if available);
- Copy of Lenders Title Policy (preferred);
- Copies of default or breach letters (preferred);
- Complete names of borrowers;
- Mailing address of borrowers;
- Property address of security;
- Social Security Numbers;
- Payoff on loan plus per diem;
- Mobile Home Title (if applicable);
- Bankruptcy discharge, dismissal or order lifting
stay;
- Lien priority
DOCUMENTS NEEDED FOR PERSONAL PROPERTY FORECLOSURES
- Payoff plus per diem;
- Copy of Title;
- Copy of Note and/or Security Agreement;
- Address of borrowers where personal property is
located;
- Address of landowner name and address if lender
has it available.
DOCUMENTS NEEDED FOR BANKRUPTCY REPRESENTATION
- Copies of Security Deed, including Legal Description
(preferably recorded);
- Copy of note (if available);
- Copy of all assignments including recording information
(if available);
- Post-petition payment history (preferred);
- Post-petition due date (Chapter 13);
- Contractual due date (Chapter 7);
- Payment amount and late charge amount with any payment
change information;
- Suspense balance;
- Case number and district;
- Total arrearage;
- Last payment received;
- Current principal balance.
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