>>Disclaimer!<<

The forms on this site are some the author has found useful in his practice; even if the laws of Virginia are uniform, practice from one area to another (and one judge to another) varies. And forget any relationship to the laws of any other state. Therefore, use of ANY form (or other document on this site) is at the sole risk and responsibility of the user, and in no way creates or implies an attorney client relationship with the author, his firm, staff, or even his dog. And isn't it silly that we have to cover our *(&%$ with disclaimers in case some fool wants to blame someone else when they screw up?   Oh, using this site means you agree.

Some of our work involves Bankruptcy and Real Estate, and sometimes both combine into one action.

I've created several Excel(tm) spreadheets (1997 version) to help me do my job, and I've had requests for them.  Therefore, they are here; click on the sheet name to download. And if you haven't seen the disclaimer above, I've got a 2 x 4 for your head.

AMORTIZATION TABLE:  Works your typical 30 year mortgage. Added feature is that it can provide information of how much payment is needed the same loan over different terms.  (30 year:  AMORT30.XLS) (shorter 5-year version: AMORT5YR.XLS )

MORTGAGE HISTORY:  Each lender does it differently, and as brilliant as lawyers are, sometimes we can't understand it.  In my effort to make it simple enough for even a Judge to understand, here's a spreadsheet that allocates each transaction among the four basic components: Interest; Escrow (usually taxes & insurance) Principal payment and, of course, "Other".  When I represent a debtor and have trouble understanding the payment history, I send discovery with the demand that the payments be in this format. The worksheet also has instructions. (MTG-PMT-WKSHT.XLS )

PAYMENT CALCULATOR:  Some loans are "interest bearing", meaning that when the lender receives a payment, they calculate the interest accrued since the last payment, subtract that amount from the payment, and apply whatever is left to the principal. If 20 days elapsed between payments, only 20 days interest is taken from the payment, the balance is applied to principal. Same for 75 days, or 750 days. This sheet automatically calculates the number of days from the previous transaction, calculates interest on an "Actual/365" formula, and applies the payment.  Notes:  1) Negative payments (costs or advances) DO NOT add to principal (they are carried forward as 'interest') and 2) Interest DOES NOT COMPOUND (generally compounding of interest is not allowed, unless it's an exception to the state's usury laws). No instructions are with the sheet (yet)  (PMTCALC1.XLS )

LIFE ESTATE VALUATION:  Sometimes someone has a life estate in some land, and it needs to be sold.  The Virginia code tells you how to do the calculation, and it's simple enough.  To make it easier for me, I created this simple spreadsheet where all you have to do is enter the age of the individual (youngest age, for now, is 60; if I get enough requests I'll expand it) AND enter the current value of the property.  The spreadsheet assumes you've read the appropriate section of the Virginia Code.  life-est-calc.xls

I hope you find them useful; please email me with questions/comments/questions/and even gripes!.