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HAVE YOU RECEIVED A NOD?

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Notice Of Default

It's a notice to the Homeowner stating that he or she has not made the required payment to the lender by the pre-determine deadline. THIS IS THE 1ST LEGAL DOCUMENT REQUIRE TO BE ISSUED  WHEN YOU FALL BEHIND ON YOUR PAYMENTS!  THIS IS THE BEST TIME TO CALL FOR YOUR FREE CONSULTATION WITH OUR FORECLOSURE PREVENTION ATTORNEYS 

Homeowners Tip #1 Once the Notice Of Default is recorded the Lender must wait 90 Days to move forward in the foreclosure

Notice Of Trustee Sale

The NTS is the Second Step in the Lender Foreclosing on your property. This is a filing by notice announcing a Public Auction. This will then trigger the Sales Data of the property to be release to the public.   *If your receiving calls this is why! It's time to speak with a foreclosure prevention attorney.

Receiving A (NOD) OR (NTS) Doesn't mean you cant stop the Foreclosure

If you have received a Nod or Nts  and or believe one is forthcoming contact an agent right away for your free consultation so we can discuss with you foreclosure prevention , your options and the programs that maybe available to you.

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A Team Of Responsive Mortgage Foreclosure Lawyers

WE HAVE THE Top Trial Attorneys

 Thanks to our clients, we have been able to successfully fight against Banks, fraudulent Real Estate individuals and others who have defrauded or who have taken advantage of others throughout the country.  

WE ARE READY TO FIGHT FOR YOUR HOME AND YOUR RIGHTS.

Find the Best Mortgage Foreclosure Attorney In Your Local Area

Our Services Include

 

  • Review Your Real Estate Situation & Develop A Legal Strategy For You
  • We Treat Each Client With Compassion & Respect
  • Judicial Foreclosures (Plaintiffs and Defendants)
  • Predatory Lending Violations
  • Foreclosure Prevention Consultants Violations
  • Home Equity Purchases (while in default) Violations
  • Stop Mortgage Fraud
  • Enforcing A Judgment
  • Surplus Funds & Interpleaders

We have a long history of solving legal battles for our clients & helping them save their homes


 

Predatory mortgage lending, according to the office of inspector general of the FDIC, is “imposing unfair and abusive loan terms on borrowers.”

Our Attorneys fight on behalf of home owners against lenders.

Our Lawyers initiate the most feasible action on an individual bases and provide the best possible solution to help save your home!

ATTENTION

 

Want to Modify your mortgage down to as low as 2%

We have Attorneys that specialize in  residential loan modifications through various US Government programs 

Including: HAMP, HARP, NACA, Save Your Home California, Flex loan modification program and FHA loan Hardship modification. We have Planned out strategies for foreclosure prevention. 

This proven strategy can be applied to 99% of distressed homeowners requesting loan modification from Servicers

 The legal foreclosure process generally can't start during the first 120 days after you're behind on your mortgage. 

first step is to speak with a credit consultant to get a projection of what can be done in the modification time-frame .

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our goal is to help you secure your home

Know Your Options

If you’ve fallen behind on your mortgage payments and a foreclosure sale is looming in the very near future, you might still be able to save your home. You can potentially file bankruptcy, apply for a loan modification or apply for a home equity loan, or file suit against the foreclosing party (the "bank") to possibly stop the foreclosure entirely, or at least delay the process. 

 

  1. Foreclosure Workout. Up until the time your home is scheduled for auction, most lenders would rather work out a compromise that would allow you to get back on track with your mortgage than take your home in a foreclosure.
  2. Short Sale. After your lender files an NOD but before they schedule an auction, if you get an offer from a buyer, you lender must consider it. If they foreclose on your home, the lender is going to simply turn around and try to resell it; if you present them with a reasonable short sale offer, they may see it as saving them the time, effort and trouble of finding a qualified buyer in a soft market. So, if your home is on the market, continue to aggressively seek a buyer for it, even after your lender initiates the foreclosure process. Read our guide on How to Sell Your Home Fast When Foreclosure Looms for action steps you can take to unload your home fast, then make your best pitch as to why your lender should agree to the short sale.
  3. Bankruptcy. Bankruptcy stops foreclosure dead in its tracks. Once you file a bankruptcy petition, federal law prohibits any debt collectors, including your mortgage lender, from continuing collection activities. Foreclosure is considered a collection activity, and so the day your lender becomes aware that you have filed for bankruptcy, the foreclosure process will effectively be frozen. But here’s the rub; once you get to court, the bankruptcy trustee’s role is simply to play referee or mediator between you and your creditors. Bankruptcy really just buys you more time to replace your lost job or recover financially from a temporary disability; it doesn’t let you off the hook for your debts. The law requires your mortgage company and other creditors to work in good faith with you to formulate a reasonable repayment plan so you can get back on track. Consult with a bankruptcy attorney regarding whether filing for bankruptcy is a good strategy for you.
  4. Deed in Lieu. A deed in lieu of foreclosure is exactly what it sounds like. The homeowner facing foreclosure signs the deed to the home back over to the bank -- voluntarily. This sounds like it would be a great option, but actually has the same impact on a homeowner’s credit that foreclosure does. Lenders are very reluctant to agree to take a home back through a deed in lieu of foreclosure for a number of reasons: They fear the homeowner will sue later alleging they didn’t understand what was happening, the lender must pay any second or third mortgages or home equity lines of credit (HELOCs) off before executing a deed in lieu, and the lender wants to be certain that the borrower’s financial distress is real. Allowing the foreclosure process to proceed is one way the lender can be sure the borrower is not faking poverty.

    As such, a deed in lieu of foreclosure is virtually never granted unless: foreclosure is imminent; the owner has had their home on the market for several months and been unable to sell it; there are few or no junior loans or liens the lender will have to pay off; the seller can document their financial hardship; and the seller initiates the process and documents the voluntary nature of their request for a deed in lieu. Even when all these factors are present, many lenders will not agree to a deed in lieu, but it is worth a try!

  5. Assumption/Lease-Option. Most loans these days are no longer assumable. The average mortgage now contains a “due on sale” clause by which the borrower agrees to pay the loan off entirely if and when they transfer the property. However, if you are facing foreclosure, you might be able to persuade your lender to modify your loan, delete this clause and allow another buyer to assume your loan. The lender may want to assess the new buyer’s qualifications, but it can be a win-win-win option for all. You might be able to negotiate a down payment from the buyer which you can use to pay off your outstanding past due mortgage balance.

    In a lease-option scenario, the buyer becomes your tenant, and you continue owning the property until the buyer has saved enough down payment money, improved their credit sufficiently or sold their other home. In some situations, the buyer will make a one-time, lump option payment upfront, paying you to obtain the option to purchase your home. You can apply the option payment to bringing your mortgage current. Then, the buyer will make lease payments monthly which you, the seller, then apply to your mortgage. To successfully use a lease-option to stop the foreclosure process, you must negotiate lease payments that cover most or all of your mortgage payment, property tax and insurance obligations -- enough that you can make up any difference and still pay to live somewhere else.

Information on foreclosure
Information on foreclosure

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