Foreclosure Defense
DO NOT BE THE VICTIM OF A PREDATORY MORTGAGE LENDER
We are consumer and homeowner advocates that will protect you and your home. Let our legal team thru a forensic loan audit find the violations with your lender:
- TILA
- RESPA
- HOEPA
- FDCPA
- FCRA
- UDAP
- Others.
80% of all loans have real estate violations in them. These laws MUST be followed and failure to do so can result in significant damages to the lender. Including the right to RESCISSION.
Rescission is the when a consumer rescinds a transaction. The security interest (Mortgage / Deed of Trust) giving rise to the right of rescission becomes void. The consumer will no longer be liable for any amount, including any finance charge.
Within 20 calendar days after receipt of a notice of rescission, the lender is required to return any money or property that was given to anyone in connection with the transaction. They must take any action necessary to reflect the termination of the security interest.
If the lender has not cancelled the mortgage/deed of trust, and delivered any money or property, the consumer may retain possession of the property, until the lender has complied with the above.
Stop Foreclosure And Get Respect From Your Lender
Homeowners are losing their homes every day to foreclosures across the country. Those unfortunate homeowners had the now infamous "subprime" adjustable-rate financing that exploded on them. It increased monthly payments to unsustainable numbers.
Today it is homeowners with every type of mortgage. Even more alarming is that many would never have lost their homes if they had only known that their lenders violated state and federal laws when the loan was first made.
These laws are extensive and complex to say the least. They have become law to protect you the consumer. You must take action by obtaining a Forensic Loan Audit.
What is a Forensic Loan Audit?
The single most important way to determine whether you have been the victim of PREDATORY LENDING, TILA, RESPA, HOEPA, FDCPA, FCRA, UDAP, or other violations is through the use of a Forensic Loan Audit. A Forensic Loan Audit is a complex process that involves "dissecting" your loan documents page by page.
Each page is reviewed for any violations that may be found. Then a report is generated for you and the attorney assigned to you. Approximately 80% of the documents examined have had some form of predatory lending, misleading disclosures, or other violations of Federal regulations.
To effectively perform a compliance audit, you must have extensive experience in the loan process and be able to reverse engineer what the loan officer did.
The Result
Once we determine that your rights have been violated, your assigned attorney will send an official written request to your Lender, on your behalf.
In the event, the Lender fails to respond to our official written request within 20 days of our notice or fails to settle within a 60 day time period, we will then outline the benefits of a federal lawsuit and proceed on your behalf.
Outline of Services
- FORSENIC AUDIT:
- Complete client interview.
- Page by page review of all closing documents for Truth in Lending Act (TILA) and Real Estate Settlement & Procedures Act (RESPA), (HOEPA), (FDCPA), and (FCRA) violations.
- Outline of hidden fees or commission earned by your broker or lender.
- Plain English report detailing all violation found which can be used against your broker or lender.
- LEGAL SERVICES:
- Attorney representation with mortgage company.
- Attorney will send a "Qualified Written Request" letter to lender and agents by certified mail.
- Attorney will send rescission letter if applicable.
- Attorney will negotiate settlement if applicable.
- Attorney will proceed with federal lawsuit if applicable.
Acceptable States
Arizona, Delaware, Florida, Illinois, Indiana, Iowa, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, Kansas, Kentucky, Maine, Nebraska, South Carolina, South Dakota, Vermont, West Virginia, Wisconsin
Filters
- Must Have Refinanced 2006 And Later
- No Sale Date Issued
Cost
Please contact us for details.