How To Defend Against Foreclosure
Mortgage Mitigation (Pre-Foreclosure). If you are currently behind on your mortgage payments, our attorney will negotiate directly with your Lender to achieve foreclose alternatives that is tailored to your family's needs BEFORE the foreclosure process begins.
Postpone Trustee's Sale. If you have a pending trustee's sale, there may be remedies available to you to postpone and/or stop the sale. Our attorney has successfully negotiated postponement of trustee's sales for our clients and in some cases obtained a complete cancellation of the trustee's sale. Don't wait until the day of your sale to take action. Contact our office today.
Lender Litigation. CA's Homeowner Bill of Rights ("HOBR") gives homeowners broad protections against many of the unfair and illegal practices engaged in by mortgage lenders. Our attorney has filed numerous state and federal lawsuits against lenders such as Bank of America, Wells Fargo, Countrywide, Onewest Bank, Chase and others. At TLG we are knowledgable of the laws protecting homeowners and are able to spot when the lenders have violated these laws. Your claims against your lender may be pertinent to defending against a pending foreclosure. If you believe your lender has engaged in any of the following, or engaged in other unfair business practices, contact us TODAY!
failure to notify you before recording a Notice of Default
promise to postpone and/or cancel trustee's sale
offer to permanently modify loan upon completion of Trial Payment Plan
denial of loan modification request without reason or opportunity to appeal
Our office has helped homeowners obtain favorable settlements of their claims against the lender, including loan modifications, loan reinstatements, and cash settlements.
Chapter 13 Bankruptcy. If you are behind on your mortgage payments, and you meet the eligibility requirements, bankruptcy may be an option to prevent a foreclosure . Filing a chapter 13 will allow you to get caught up on your past due payments in a 3 or 5 year payment plan. If you have a 2nd mortgage and your home is underwater, a chapter 13 may allow you to avoid this 2nd lien. Call us today to discuss whether bankruptcy is the best option for you and your family.
Protecting Tenants at Foreclosure Act ("PTFA"). If you are a Tenant and you received notice that the property was recently sold at a foreclosure sale, you need to contact an attorney immediatley The new owners are required to give certain notices under the PTFA. Your failure to take the appropriate action could result in you being wrongfully evicted from the property. Our attorney is prepared to help protect you against a sudden eviction and advise you on the options available to you as a Tenant of a foreclosed property.