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Foreclosure Defense and Loan Modification Blog

What You Should Know About Foreclosure Mediation Conferences In Illinois

Posted by Maxwell Swinney

Saturday, July 7, 2018

Some counties in Illinois offer mediation programs to homeowners in foreclosure, which are “designed to create an opportunity for homeowners and lenders to come together to explore mutually beneficial alternatives to foreclosure.” 

At the mediation conference, a homeowner and a representative from the foreclosing lender will come together with an impartial third party where alternatives to foreclosure, such as loan modification, repayment plan, short sale, and deed in lieu of foreclosure, may be discussed.

Can I Participate In Mediation?

In some counties in Illinois, it's mandatory that mediation be offered to eligible homeowners facing foreclosure.

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Topics: illinois foreclosure lawyer, mediation, foreclosure process in illinois

Successful Loan Modification Roundup Week of 7/6/18

Posted by Maxwell Swinney

Friday, July 6, 2018

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Caliber, Bayview, PHFA, and Wells Fargo:

Caliber

After falling 8 months and $16,719.18 past due on their mortgage, we helped our Caliber clients get a final VA loan modification with $283.31 cheaper monthly payment and $16,719.18 deferred for 30 years!

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Topics: wells fargo loan modification, caliber loan modification, bayview loan modification, loan modification success, phfa loan modification

Successful Loan Modification Roundup Week of 6/29/18

Posted by Maxwell Swinney

Friday, June 29, 2018

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Ocwen, Bayview, Seterus, Carrington, and Caliber:

Ocwen

Our Ocwen client was 38 months and $47,526.85 past due on her mortgage, which had been modified in 2015. with a foreclosure sale date scheduled, but we helped her get a 3-month streamline trial loan modification plan with $188.54 cheaper monthly payment! 

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Topics: ocwen loan modification, carrington loan modification, caliber loan modification, seterus loan modification, bayview loan modification, loan modification success

Successful Loan Modification Roundup Week of 6/22/18

Posted by Maxwell Swinney

Friday, June 22, 2018

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Loan Care and Carrington:

Loan Care

Recent clients of our firm were 25 months and $24,996+ past due on their Loan Care mortgage, but we helped them get a 3 month FHA trial loan modification plan with cheaper monthly payment and a fresh start!

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Topics: carrington loan modification, loan care loan modification, loan modification success

Successful Loan Modification Roundup Week of 6/15/18

Posted by Maxwell Swinney

Friday, June 15, 2018

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Bayview and Wells Fargo: 

Wells Fargo

Our Wells Fargo clients were 26 months and $56,544+ past due on their mortgage with a foreclosure sale scheduled, but we helped them get an FHA partial claim loan modification (their second) that lets them keep their home!

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Topics: wells fargo loan modification, bayview loan modification, loan modification success

Successful Loan Modification Roundup Week of 6/8/18

Posted by Maxwell Swinney

Sunday, June 10, 2018

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Caliber, BB&T, Fay Servicing, Mr. Cooper, Ocwen, and SLS:

Caliber

Our Caliber client has a three month trial loan modification plan with $99.86 cheaper monthly payment after falling more than 2 years and $48,731.75 past due on his mortgage!

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Topics: ocwen loan modification, caliber loan modification, sls loan modification, bb&t loan modification, loan modification success, mr cooper loan modification, fay servicing loan modification

Should You Negotiate A Consent Order In Foreclosure?

Posted by Maxwell Swinney

Monday, June 4, 2018

Sometimes you have to give something up to get something else. That's the case for recent clients of our firm who agreed to a consent order that involved them consenting to judgment and withdrawing their contesting answer to the foreclosure complaint in exchange for getting more time before judgment was entered and avoiding a trial.

A little background on foreclosures is required to explain what a consent order is. In judicial foreclosure states like Florida, New Jersey, New York, Pennsylvania, and Illinois, a lender must sue a homeowner in a civil lawsuit in order to foreclose on their home.

If you're served a foreclosure summons and complaint, which starts the lawsuit, you have the right to answer it and deny the bank's claims and raise your own defenses. And you should, if you have any desire to keep your home. It can buy you a lot of time in your home, during which you can work toward a permanent solution.

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Topics: final judgment, consent order

Successful Loan Modification Roundup Week of 6/1/18

Posted by Maxwell Swinney

Friday, June 1, 2018

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Pacific Union Finance, Cenlar, Carrington, Wells Fargo, Bayview:

Wells Fargo

Our Wells Fargo client had a HAMP loan modification in 2011, but fell 7 months and $6,201.96 past due on her mortgage. We got her get an in-house loan modification with $220.68 cheaper monthly payment!

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Topics: wells fargo loan modification, carrington loan modification, caliber loan modification, bayview loan modification, cenlar loan modification, loan modification success, pacific union finance loan modification success

It's Time to Get Ready for the 2018 Hurricane Season

Posted by Maxwell Swinney

Friday, June 1, 2018

2017's Atlantic hurricane season was one of the strongest ever, with three Category 4 storms hitting the U.S. (Irma in Florida, Maria in Puerto Rico, and Harvey in Texas) causing billions of dollars in damage and thousands of deaths. Unfortunately, the 2018 Atlantic hurricane season, which runs from June through November, is expected to be above average in terms of number and intensity of storms.

As of this writing, two people have already died in flooding caused by tropical storm Alberto.

For 2018, forecasters are predicting 14-18 named storms, 7 hurricanes, and 3 hurricanes of category 3 or higher. So, it's a good idea to take all necessary precautions to protect you and your family's well-being and property from the effects of any storms that might come your way.

The National Hurricane Center says that there are two keys to weather safety:

  1. Prepare for the risks.
  2. Act on those preparations when alerted by emergency officials.

You can visit the National Hurricane Center's website to read all of their tips on safety during the hurricane season, but here are some of things to take into consideration as you prepare for potential storms.

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Topics: hurricane irma, hurricane

Successful Loan Modification Roundup Week of 5/25/18

Posted by Maxwell Swinney

Friday, May 25, 2018

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Home Bridge Financial Services and SPS:

Home Bridge Financial Services

Loan modification success! Our Home Bridge Financial Services clients in New York were one year and $29,031.13 past due on their mortgage and at risk of foreclosure, but we helped them get a final FHA loan modification with a fresh start.

Read More

Topics: sps loan modification, loan modification success, home bridge financial services loan modification

About this Blog

Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes.

Click to Read Our Super Loan Mod Success Stories

Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a free consultation at any time.

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