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    This article examines the practice of foreclosure mediation in the American mortgage market after the financial crisis of 2008. Many states have implemented foreclosure mediation programs to handle the deluge of foreclosure proceedings in the aftermath of the financial crisis. The role of the mortgage servicing industry in the success or failure of this type of mediation is discussed, as well as the possible outcomes of a foreclosure mediation.


Ken Andries
Ken Andries is docent aan de Universiteit Hasselt en advocaat aan de balie van Brussel.

    When a lawyer has his/her intake meeting with a client and ponders whether the case is to be taken to court or whether it is appropriate for mediation, different parameters have to be considered.
    Mr Green finds out that this photovoltaic installation does not produce the output initially guaranteed, and his lawyer will first have a look at the terms and conditions on guarantee and liability in the sales contract. The lawyer should consider time, cost, potential outcome and future relations between the parties, and compare these four parameters in a situation whereby proceedings in court are initiated with a situation whereby a mediation is started up. The assessment of each of these parameters in court proceedings and mediation is entirely different, and understanding these differences will assist in opting for court proceedings or mediation, or a combination of both. Reflexivity will be key.


Luc Demeyere
Luc Demeyere is advocaat bij De balie te Antwerpen.
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