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Stop a Foreclosure

The threat of foreclosure can be terrifying. What’s more terrifying is facing that threat alone. Our experienced attorneys have worked aggressively on behalf of the American homeowner to stop foreclosures, and work out a solution with their mortgage company. You have rights as a homeowner in default, but time is not on your side.

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Loan Modification

Don’t have time to deal with your lender or are you going nowhere fast? The reality is, most lenders are completely unresponsive to many of the homeowners who reach out to them for help with their mortgage. When you hire a law firm, it can be a major game changer in how the lender reacts to a request for modification assistance.

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Mortgage FAQ's

What Should I do when I get behind on my Mortgage

Don’t ignore the phone calls and letters from your lender. Take this matter very seriously and work to resolve the problem as quickly as possible. Keep track of all correspondence you receive for later reference. Stay in your home. You may not qualify for foreclosure help if the house is vacant.

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Foreclosure FAQ’s

What is a foreclosure?

When a secured creditor, usually a bank, attempts to recover monies owed to them based on a promissory note by selling the collateral. In more simple terms you have probably borrowed money from a bank or mortgage company in order to purchase or refinance a home.

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Loan Forbearance

What is a foreclosure?

Some of our clients are eligible for Mortgage Forbearance, which will give you time to gather your assets. In Forbearance, you are allowed to delay or reduce payments for a short period, with the understanding that another option will be used at the close of that time to bring your account to a current status. Your lender, if in agreement, will then temporarily cease legal actions.

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Deed-In-Lieu/Short Sale

The Deed in Lieu of foreclosure offers several advantages to both the borrower and the lender in certain circumstances. The biggest advantage to the borrower is that it could releases them from most or all of the personal indebtedness associated with the defaulted loan. A Deed in Lieu is similar to a voluntary repossession. You are signing over the deed or “title” to your property and the lender agrees to cancel the mortgage. In other words

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Short Sale FAQ's

A short sale is the process by which a homeowner can sell a house for less money than he actually owes on the mortgage(s). This is done by the buyer or investor providing proper documentation to the mortgage lenders to convince them to reduce the mortgage balance to allow the sale. The mortgage lender (or bank) actually takes a loss (or write-off) on the mortgage

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Bankruptcy

Bankruptcy is a federal court process designed to help people eliminate their debts or repay them under the protection of the bankruptcy court. Bankruptcies can generally be described as liquidation or work-outs of debts by individuals. Two of the most common filings are Chapter 7 and Chapter 13. When it comes to trying to save your home from foreclosure however, defending the foreclosure could be a better option. Our defense strategy is always to push the lender in to offering a mortgage modification to the homeowner, providing they qualify.

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HOA Defense

As a property owner, you understand the vital role that a Homeowners’ Association plays in the upkeep and maintenance of the neighborhood, but there are times when these organizations overstep their bounds.  If your HOA overstepped, infringed on your property rights or is treating you unfairly, you have the right to fight back.

HOAs’ have rules about what property owners can and cannot do with their property.   Sometimes, they do not enforce the rules as they should, or they unfairly apply the rules to one party.