As housing prices have fallen, delinquencies on mortgages have tripled. Foreclosures have increased almost 150 % from two years ago. Foreclosures hurt families, their neighbors, whole communities and the overall housing market. Most individual borrowers have been victims of loan servicing errors, predatory lending and loan origination issues without even realizing. Banks are becoming increasingly aware of the necessity to keep the borrower in their home or risk significant losses even without these issues.
Our law firm consists of attorneys with over 15 years of combined litigation experience. Our law firm is available to assist you with you pre-foreclosure loan mitigation and workout options that may exist with your lender. Additionally, our office can raise your legal defenses and assert any and all available claims against the wrongdoers and responsible parties. In order to do so, please compile you mortgage documents and complete the Client Information Sheet and the Foreclosure Questionnaire if applicable to your situation.
All of your mortgage documents need to be included if you have them. The audit of your mortgage can only be thorough if you send us all of the paperwork you have from the loan process. If you do not possess the documents as listed, it may be that you did not receive them. DO NOT contact the Lender to obtain copies of the documents for our audit. IF you are missing, cannot locate or have lost documents from the loan process, you contact the Title Company, or office that handled your loan closing and request copies. Do not inform any third party of any intentions or usage of such documents.
Additionally, please complete the Loan Mitigation Retainer Agreement if you have not been served with any foreclosure pleadings and do not believe that such proceedings have been instituted. If you have been served with a foreclosure summons and complaint or are aware that such proceedings are pending, please complete the Foreclosure Retainer Agreement. Depending upon which retainer agreement is executed, please attach the appropriate payment authorization form with the agreement unless other arrangements have been approved by the law firm.
Thank you for contacting our office and our firm looks forward to assisting you. If you have questions, please don’t hesitate to contact our office.
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