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| Lower mortgage payments on your home is very important to your family. Our specialized Legal team of Attorneys and Paralegals will work with you to prevent foreclosure every step of the way. |
| 100% Guaranteed Success. If our Legal team can not modify your existing mortgage you will be granted a refund of fees. If you have a question about your loan modification. Contact us and a member of our legal will respond. |
| In many cases we are able to reduce your principle balance which will immediately lower your payment..Contact us today and we will explain how a loan modification works to stop foreclosure and lower your payment and interest rate... |
If you are late or behind on your mortgage payments, In most cases we will have those payments put on the back of the loan or eliminated completely..
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Facing Foreclosure? We Will Save Your Home.
How do you qualify for a loan modification?
Loan modifications are not just given to anyone. Lenders normally have a number of requirements that homeowners have to meet to qualify for a loan modification. While some people may get intimidated by the fact they have to qualify for such a financial product, the requirements are actually relatively easy to meet.
First, the homeowner must have the desire to keep the house. The first requirement pretty much goes without saying, considering that nobody wants to lose their house to foreclosure. Second, the property upon which the mortgage loan modification will be made is the primary residence property.
Posted July 16 2010
Stop Foreclosure Video 1
Posted July 19 2010
Stop Foreclosure Video 2
Make adjustments on your spending. Look for ways to save on your spending; cut corners on unnecessary costs. You can stop spending on luxuries and stay on the necessities. You would have to put on hold the things that you want to buy and stick with the things that you need to buy. You can stop your cable TV subscriptions, your gym memberships, and minimize on your eating out and nightlife. You need to be thrifty with your money until the hurdles are overcome.
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Lower Mortgage Payments
You can avoid foreclosure by getting your loan modified lowering the interest rate and the monthly payment. Learn about the Real estate repossession market and sales of new and old homes and commercial property such as apartment buildings and offices in the community.
When you are trying to negotiate your loan modification with your lender, it is important that you do what you can to get the best deal. By getting a good loan modification, it is more likely that you will be able to pay your bills and keep your home. The first consideration to keep in mind when getting a loan modification is what lender you are going to get it from. Make sure to do your research when choosing your loan modification company. Perhaps you know a friend, relative, or co-worker who has had success with a recommended company. Another choice is to check the Internet for reviews, comments, and suggestions on which companies give good deals and services.
Another good tip for getting the best deal on your loan modification is to make sure that you have good proof of your financial hardship. Yes, it is a requirement to have verifiable problems, but if you are able to provide solid proof of just how bad your financial situation is, then you can get a good deal on your modification. One of the biggest factors that affects the loan modification is how bad the financial situation you are in and how capable you are of making future payments. If you are able to present solid proof of why you need the loan modification and how you plan on paying it off, then you are likely to get approved and get a good deal
You Can Defend Youself...In the Constitutional legalities of the United States the defense is known as right of redemption. You as the debtor can ask an equity court for an injunction. If repossession is positively going to happen,that means it is imminent then you as the debtor would need to seek a temporary restraining order.In some states you need to put up a a bond in the amount of the debt. This would protect the creditor if the attempt to stop foreclosure were a naked attempt to cheat the lender and skip on the debt.
You as the debtor have rights in this country. If yu want to keep your home the first step is to challenge the validity of the debt..The next step is to sue the bank or the mortgage company for damages. The bank or mortgager must prove a valid debt owed by you. There is case law to support the debtor's case: First National Bank of Montgomery vs. Jerome Daly, 1969, in the Justice Court State of Minnesota the Judge ruled in favor of the debtor on December 9, 1968: IT IS HEREBY ORDERED, ADJUDGED AND DECREED: 1.That the Plaintiff is not entitled to recover the possession of Lot 19, Fairview Beach, Scott County, Minnesota according to the Plat thereof on file in the Register of Deeds office. 2.That because of failure of a lawful consideration the Note and Mortgage dated May 8, 1964 are null and void. 3.That the Sheriff's sale of the above described premises held on June 26, 1967 is null and void, of no effect.That because of failure of a lawful consideration the Note and Mortgage dated May 8, 1964 are null and void.
Article on Equity Loans
Lenders and banks have been affected by the Constitutional Issue of Due Process. Some states have seen the Federal District Court throwing out foreclosure actions by lenders who cant provide proof of ownrship to repossess a home. District Court Judge in Conn. dismissed a foreclosure case when the bank could not prove it was their loan. After a foreclosure sale has finished there is a right of the petitioner to get a decree that eliminates any other lien holders rights to reclaim the property at hand. The lender needs to get a title search performed on the home to make sure there ar no other lien holders either by a judgement or a government agency sometimes the Internal Revenue service places repossession on houses for non payment of taxes. That can over ride the bank wanting to foreclose in litigation...
Foreclosure Attorney
The US congress passed and President Bush signed into stop foreclosure law a temporary change to the tax code. For the period Jan. 1, 2007, through Dec. 31, 2009, homeowners will not have to pay tax on any debt that is cancelled.
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Home Sales Tick Up Slightly From March to April
Washington Post 2 hours ago Sales of previously occupied homes ticked up slightly from March to April, thanks to low mortgage rates and prices driven down by foreclosures and the ...
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Get an updated appraisal of your property’s value. This is an important first step, because knowing the actual value of your home in the market can help you come up with realistic terms for renegotiation. Look for a property appraiser in your locality that will help you through this.
• If you are unable to get through an appraiser or getting the services of one is too costly for you, check out the Internet for websites that can give you a good estimate of the value of your home for free.
• Plan some changes in your lifestyle and present these when you renegotiate with your lender. This will help the bank or any lending institution draw up terms that will be within your means.
• Try to get your loan terms modified before you get any delinquent account. Prevention is always better than cure. In doing so, the lender will see your willingness and sincerity to repay your loan. After all, one of the issues that pushed the financial crisis forward is the loss of trust.
Of course, all these tips would not help you much if you do not keep your property in top condition at all times. When you do get a new set of loan terms, make sure that you will keep your word and pay up whatever is due at the right time. Loan modification is your second chance, so don't blow it this time. For all you know, this could be the only chance you have to save your home.
Does Anybody Know If Foreclosure Counseling Helps?
posted by Linda Lansman
The Obama Administration has spent millions of dollars to pay "counselors" to prevent foreclosures on behalf of consumers who are delinquent on their mortgage loan payments seems a good idea and should perhaps help some homeowners. These dollars are divided up among city non profits, specialized housing counseling organizations and a considerable amount has flowed to counselors that have historically spent most of their lives helping people with credit card bills. A group of United Way supported family and children service agencies also receive some of these funds.
"History of Bankruptcy Mortgage Modification." The short version is that the latest ruling against modifying loans in bankruptcy court is not the considered policy choice of judges as it is often presented. Rather, like many things, the pre conclusions are far greater, and path dependence explains a lot of it. When we have a version for SSRN, I'll post a more detailed summary.
The latest reports indicate that the premeium stop foreclosure counselors are a cut above the historic credit card billing. The mortgage industry agencies were mostly begun by creditors and their infusion has always been supported by payments from lenders banks. The housing counseling started from HUD then moved further and the Ford Foundation and the overbudget money have come from the state capitol through a central organization called Loan Works. The neighborhood organizations obtain their funding all over the lot. The cultures of the various organizations differ a good deal among themselves and between the various types of providers.
Posted 2/27/10
The national commission on foreclosure prevention meets in washington dc later today and they will have a discussion about new laws that enable your attorney to negotiate the mortgage.
Posted-2/17/10
Dr. Craig Allen wrote,"Tips and advice to prevent foreclosure will be revealed in our next conference in Houston,Tx on June 24th 2010. Free forms including answering a notice papers will be distributed to the homeowners who attend the convention."
Posted-2/11/10
Texas regulations implemented a statewide web Foreclosure Search to help homeowners in need of assistance. Citizens may walk into the courthouse clerk office and perform a search anytime of day for free no cost involved. a variety of plans will be available to save their property.
Posted 2/9/10
Finding the latest news including online stop foreclosure articles has been made simple with "True Value Legal Magazine", offers property owners all the up and coming proposald affecting their town or street. Official statements made by the legislature and congress go directly to this source.
Posted 1/28/2010
New laws preventing the bank owned foreclosure sale and auctions are having a direct effect on homeowners trying to stop foreclosure sale on their property. Hiring an attorney to help you in court proceedings is a smart idea for those behind on mortgage payments. The system deals with these new laws propotionally.
Posted 1/26/2010
"We needed help with our financial situation falling behind on our mortgage payments really worried us. How do we avoid foreclosure on our house. We saw
on the news one night about a way to modify loan payments and interest rates "
Sallie Raymond, Kings Point Id
Posted-12/27/2009
Dr. Phillip Mann stated,"Important steps in preventing foreclosure on your home is to know your rights. Most homeowners go through the system, not knowing the legal rights that they have to stop foreclosure on your home". Credit counselors can provide services to reconstruct or consolidate debt, and can help homeowners create a budget to prevent foreclosure from the mortgage lender. Try increasing your income buy starting a home based business to make money online.
Posted-11/25/2009
In a variety of businesses, you'll find your bad apples. but there are many legit law firms to help stop foreclosure for the citizens. . i do believe there needs to be some regulation on these outfits; as soon they'll be required to be licensed. i'm hoping this will keep some of the scam companies from profiting on foreclosure regulations. would most citizens be representing themselves if they're selling their residence or going to foreclosure court? no. well... when you negotiate with the bank yourself, you're already at a disadvantage. the mortgage lenders would rather negotiate with the attorney than a loanmod company third party... especially an attorney.
Posted-10/12/2009
"Thanks to the attorney at your office we are living in our family home.You fought to stop foreclosure on our property in the courts and on the dale. I tried to stop foreclosure myself and had no success until we found your lawyer offices." Trina Taylor Atlanta GA.
Testosterone
Posted -9/23/2009
"Reduced credit scores can result in being refused credit, such as a new refinance to stop foreclosure ,credit cards and car loans, and are facing much greater rates for loans and even other items, such as insurance, that depend on credit scores to prevent foreclosure," stated Andrew Housser, CEO of a popular online finance site
Stop Foreclosure Jupiter
Visit our Stop Foreclosure Blog
We moved in to our new home in Jupiter, Florida four years ago during the housing boom. We were planning to sell in a year or two. When my husband lost his job we hit a financial hardship. i hope a real estate lawyer can prevent foreclosure from occuring next month.
Prevent Foeclosure On Your Home.
Avoid Foreclosure through Loan Modification
We are constantly being informed of foreclosures every day. Every day on the news, on the Web, print magazines and in regular talk amongst many homeowners are who beginning to fall behind are now trying to learn how to stop foreclosure. Regrettably, as a consequence of the bad economy due to the recession, the sub-prime mortgage problems have compounded themselves coupled with the housing market collapse. With a record number of foreclosures way above the average across the country the banks are falling behind in processing these foreclosure claims. Eventually they will catch up and you will lose out on your chance to stop foreclosure. Millions of homeowners have either already lost their home to stop foreclosure or are now currently in default and in fear of losing their home to stop foreclosure. Stop foreclosure now call us for a consult.
What exactly is a stop foreclosure? The stop foreclosure process starts with how your lender takes back the borrower’s property (your home) when the borrower (you) defaults on their mortgage. Most stop foreclosure proceedings are either judicial in nature or non-judicial trustee sale. This varies and depends on the laws of the state where your home is located. The Barack Obama led government together along with non-profit groups and the banking industry had been working in an organized attempt to find solutions to stop foreclosure. To stop foreclosure it helps to have a have a firm that is experienced with stopping foreclosure right away from the moment you call us we will halt and stop foreclosure no matter how what your current financial situation.
You need to know what to expect in stop foreclosure?
Usually the stop foreclosure process can take on average five months or even longer, a few different factors are involved in this, a judicial stop foreclosure or non-judicial stop foreclosure private trustee sale both affect the stop foreclosure process to stop foreclosure. Another major factor is that each state has different stop foreclosure laws and timelines which make up the stop foreclosure process. This similarly is determined on how the lender initiates the stop foreclosure process and also if they are in process of working on many other stop foreclosures currently. The bank starts with either a judicial stop foreclosure or non-judicial stop foreclosure process not in favor of the homeowner with the major factor being which state the property lies within. The stop foreclosure timeline is similar for either variety of stop foreclosure. The reality today is that stop foreclosures can take at least a year by the time the home goes to stop foreclosure auction. Below are the key ingredients to the basic stop foreclosure timeline, just to give you an good example of what is in the future for your stop foreclosure process and exactly how the stop foreclosure process timeline pans out:
The homeowner is at least three or more months behind on their home mortgage payment.
The bank then proceeds with initiating the stop foreclosure trial by recording a notice of default or filing a Lis Pendens (litigation pending) this varies from state to state with the major factor being the statutory laws of the state where the home lies.
The homeowner has a certain statutory time in which to react and guard their home an family from stop foreclosure (this depends on which state due to statutory laws) before the stop foreclosure sale can begin. The stop foreclosure process is a extremely time sensitive timeline and any one factor can disrupt the stop foreclosure process that is why it is best to have a stop foreclosure attorney to represent you and your family to save your home from stop foreclosure hire a stop foreclosure attorney.
The Notice of Sale is printed in the local newspaper of popular circulation in the county where the home is located in (this usually starts 3-4 months following the first court proceedings which are initiated by the bank) This depends on the state where the stop foreclosure process is taking place.
The grace period is often referred to as the redemption period. The homeowner has a small timeline in which the statutory grace period, where the homeowner can stop foreclosure and reclaim the home, but they must agree with the lender to pay all costs and fees associated with the mortgage and the arrearages to bring the current mortgage up to date. Every state has varying statutory laws concerning redemption periods.
The Foreclosure auction otherwise known as the Sheriff’s Sale is almost always seized and held on the court house steps (judicial stop foreclosure) or another chosen location just around 5 or so months or even more following the first stop foreclosure court proceedings which are always started by banks.
Usually if the home does not sale or is not purchased by the stop foreclosure auction or Sheriff’s Sale, what then happens is it then becomes an REO (bank owned real estate) property which is now owed by the bank. The bank will then list the home up for sale with a Real Estate agency and it then is usually obtainable in the MLS system for the public to purchase the stop foreclosure home. This can usually happen somewhere around 6 months to a year once the stop foreclosure process was initiated.
The Homeowner Choices for stop foreclosure
The property owners do have some viable choices to help save their house from stop foreclosure. While doing absolutely not a thing is the most terrible thing financially bad choice you can make concerning your stop foreclosure. Self control is the wisest method to help save your house from stop foreclosure and is this will help you attain the best possible resolution in the beginning of the stop foreclosure process. The initials choice would to make an attempt at communicating with your bank if you know you are going to be late with payments or are already way behind on you current mortgage. While we mention this as the first choice to stop foreclosure it is not usually the best as banks won’t negotiate fairly with you that is why it is wise to have a foreclosure attorney who can represent you because the bank are in it to make as much money as possible. You should arrange a consult with a stop foreclosure defense attorney just to investigate what the best alternative are for stopping your foreclosure. Foreclosure attorneys usually provide a housing counselor that can help with your budget and make sure your future payment will be attainable so that you will not be back in stop foreclosure.
Below are common choices that the homeowner has to choose from when facing stop foreclosure:
The homeowner can refinance and even renegotiate
Tricky process known as a reverse mortgage
Bankruptcy which is the last resort and not usually recommended to stop foreclosure by any stop foreclosure attorneys
Actually going to court and throwing yourselves and the home at the mercy of the judge
Last but not least just leaving your home and giving up which is the last not to do choice but we must mention it because it is a choice in the stop foreclosure process.
Stop Foreclosure
Any homeonwer with the help of a government approved stop foreclosure on your home
Avoid Foreclosure through Loan Modification
The recent recession, which began in late 2007, has had a major impact on business, finance, and economics in general. Some of the largest companies have been forced to make cutbacks, layoffs, or even file bankruptcy. Aside from the big companies, however, the economic crisis has also changed the lives of people all around the country. With the onset of uncertain job outlooks, increasing price points, and looming debts, many people have been forced to face foreclosure. When mortgage fees mount up and you aren't making enough money to pay them off, it is easy to get overwhelmed and succumb to foreclosure. Fortunately, there is good news for those who are facing foreclosure. Perhaps one of the best and most convenient ways of dealing with loan debts is to get a loan modification. Read on to learn more about what a loan modification is and how you can use it to avoid foreclosure.Finally, you may want to use the Internet when applying for a loan modification. Many lenders offer products and services through the Internet at lower costs and with less fees. Because it is often more cost-effective to offer online services, lenders are able to lower their overall costs for online transactions and dealings. Even if you are unable to find a suitable lender online, or if you are afraid of dealing online, then you can simply use the Internet to gather information on foreclosures and loan modifications.Making the right decision at the right timeLoan modifications are a great decision for anyone facing foreclosure. With all of the real estate problems and economic hardships that the country is experiencing, it is about time that the people start to take advantage of all of the tools that are available. At the same time, it is also important to be wise about financial matters and to only deal with lenders who can be trusted and have a good reputation. With just a little effort, you can work your way back, paying off all of your bills and living a happy life in the comfort of your home.
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"We tried working with our lender by ourselves and got nowhere. The loan modification you got for us has saved our credit and our home. Thank You."
Nancy Edelman Atlanta, Georgia
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"I lost my job in December an have not been able find work in my field. Our lender was theatening to put us in foreclosure for non payment of our mortgage.Thank you for modifying our loan to stop foreclosure on our home".
Frank Yates, North Carolina
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After contacting the lawyers at Slade Law.com about getting a loan modification to stop foreclosure on our residence,the letters and phone calls stopped . Our attorney obtained a 4% rate and 40 years fixed mortgage modification for us in 2 months. Our payment went from $2899 per month before loan modification to $1788 now. We are very happy with the results."
"Countrywide refused to work with us on a loan modification to restructure our mortgage. We found the lawyers at your firm very service oriented."
Beatrice Jones, Charleston,
South Carolina
I had lost my job for over 2 years and just got back on my feet. I was over 24 months behind on my mortgage payment and much to my amazement their Foreclosure Attorneys were able to help save my home. I was able to get my past due payments wiped off the books because I had a hardship due to loss of employment. Thanks so much for saving my home from foreclosure.
Baron Weidenbenner, Las Vegas,
Nevada
Thanks for helping me with my financial issues and save my house.
Madison Kaylee, Reno,
Nevada
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