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It's Difficult to Restructure Mortgages Yourself, and nearly impossible to conduct effective litigation against the large lenders without a qualified attorney. The Firm has a great deal of
experience in the Home Foreclosure process, and more importantly in commercial litigation.
When a person simply calls a mortgage holder and asks for a modification, it is very common for
that person to experience extreme frustration and exhaustion due their lender’s stall tactics, delay
techniques and disorganization (by design). Some homeowners are just completely ignored. To
do this on your own is very aggravating, time consuming as well as risky.
If you try to negotiate your note on your own (without an attorney of record), you may soon find
that your lender is extremely unorganized - one hand usually doesn’t know what the other hand is
doing.
Often times, lenders will even string you along with the hopes of getting your loan restructured,
and instead force you into default or foreclosure and ultimately risk losing your home. Other
times they will even offer a modification and then renege on the deal. And often, the loan
modification offered is of little long-term benefit to the homeowner, and in fact can be a ticking
time bomb. The bottom line is that mortgage companies often take advantage of what most
homeowners are not aware of.
That type of response does not occur for clients that we represent. We know the laws of lending
and have a dedicated staff that is constantly communicating with mortgage companies to achieve
our clients' goals. With many years of experience on our side, we know how to optimally proceed
and best promote the client's interests in any loan modification matter. When you choose our
Firm to represent you, we let the bank know that it's time to sit down and take you seriously.
We conduct a full Forensic Audit on your loan documents needed to commence litigation and
avoid the home foreclosure process.
Approximately 80% of home loans that were originated and funded within the past 10 years do
not comply with the applicable consumer credit laws (loan fraud). The most likely way to get a
loan modification accomplished is to uncover loan fraud violations. Simply put, the banks are
overwhelmed with loan resolution requests and mortgage foreclosures amidst the home
foreclosure process. It is nearly impossible for them to keep up with all of the requests to
restructure mortgage. If our forensic loan audit were to determine that the bank violated federal
or state lending laws, you can expect that they would be interested in accommodating that
borrower, since they could be avoiding potentially significant fines and penalties as well as a
potential lawsuit for loan fraud related instances.
Thousands of homeowners across the country have fallen victim to loan modification scams,
losing their money and their home in the home foreclosure process. Many of these scams
advertise themselves as "attorney supported" or “attorney based” services, but don't be fooled.
They generally are not law firms and are not bound by the strict legal and ethical rules that
attorneys must obey throughout the home foreclosure process. You need a law firm that
practices in the field of foreclosure defense and mortgage law.
The Firm gives you the potential leverage with your lender that no other resource can provide and
our services are much more cost efficient than the costs that many firms charge, without any
assurance of success or value provided. We provide you with a thorough review of your loan as it
relates to all applicable laws including loan fraud for a restructure mortgage. Additionally, our
forensic audit provides the legal citations which allow us to take prompt and decisive action.
Predatory and Abusive Lending Practices during the Home Foreclosure Process:
If you are behind on your payments or facing foreclosure, you are not alone. Stop foreclosure!
Close to 3% of American homeowners (about 1.4 million) are fighting to stop foreclosure. One
in ten homeowners is behind on their monthly payments and wishes to stop foreclosure.
Predatory lending is largely responsible for this grim reality and we'll help you stop foreclosure.
If you have been a victim of predatory lending, let us help you to stop foreclosure today.
Adjustable Rates, Balloon Notes, Negative Amortization, Interest Only Loans:
Trillions of dollars in adjustable rate mortgages will reset in the next two years. Don't let your
adjustable rate mortgage make you a foreclosure statistic! Experience has shown that over 90%
of adjustable rate mortgages have violations that occurred in the loan documentation or during
the loan origination process. Don't get stuck in your adjustable rate mortgage! Contact us today to
do a forensic loan audit.
Your home’s value is less than your mortgage balance:
The relentless downward slide in the real estate market has left nearly 1 in 6 homeowners upside
down on their mortgages. This means that they owe more to their lenders than their homes are
worth, which raises the likelihood of foreclosures or defaults. Many homeowners feel trapped,
because their largest investment (sometimes post-restructure mortgage) is "underwater". You
don't have to feel trapped any longer. Let us perform a forensic loan audit to see if you have legal
grounds to renegotiate the principal on your mortgage.
Fight back! Contact a representative of the Firm today at (702) 871-2200. |
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