Don't assume that falling behind on your mortgage is necessarily your own fault!

Filing suit is typically the least expensive alternative for the homeowner, and results in the greatest long-term savings. Do not settle for less.

Foreclosure litigation may help to:

Reduce M ortgage Payments
Reduce Principal Owed
Stop Foreclosure
Reduce or Eliminate your Debt

When lenders are too eager to make loans, they often willfully or unknowingly violate either the federal Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), escrow procedures and state laws designed to protect consumers against predatory lending practices. The result can be a loan that the borrower cannot ultimately afford, and eventually results in foreclosure proceedings. Moreover, document problems can leave your lender with no legal recourse against you and no claim to your home.

It's no surprise that foreclosure litigation is becoming more common now that it has been revealed that the poor lending practices of banks are so widespread. Banks, lenders and mortgage servicing companies are being exposed in suits brought by the U.S. government state attorney’s general. Now is the time to seek redress.

Lybarger Law Offices can and will file a lawsuit on your behalf.

Many of these suits may not go to trial, as foreclosure litigation makes the lender eager to get serious about renegotiating your loan when they realize how much is at stake.

As with all legal options, you should only utilize qualified legal advice regarding foreclosure litigation.

If you have been served notice of foreclosure proceedings or you have real estate with a negative equity balance, contact our staff immediately for a free consultation to explore options that may save your home and eliminate your negative equity.