Foreclosure Defense and Loan Modification Blog

Real (Estate) Vampires and Zombies Are In Your Neighborhood

Posted by Maxwell Swinney

Wednesday, October 28, 2015

Believe it or not, monsters like vampires and zombies do exist. They're not under your bed, but they might be in your neighborhood right now. Fortunately, they're not the kind that want to drink your blood or eat your brains, but you should still be aware of their existence.

Read More

Topics: foreclosure defense, foreclosure deficiency, life after foreclosure, foreclosure

How To Work With A Foreclosure Defense Attorney

Posted by Maxwell Swinney

Monday, October 26, 2015

So, you've experienced a hardship that caused you to fall behind on your mortgage payments, but you're committed to doing whatever it takes to keep your home. You know that you'll need the help of a lawyer to have the best chance at success. But, once you've hired a qualified attorney, what do you need to do to help them fight to keep your home?

Read More

Topics: how to stop foreclosure, foreclosure defense, loan modification help

Will a Lien Prevent My Loan Modification?

Posted by Maxwell Swinney

Friday, October 23, 2015

So, you're ready to apply for a mortgage loan modification. You've done a lot of research and think you should qualify, that there's no reason to believe you'll be denied. But before you get too excited about life with a modified loan and the reduced financial burden you'll have as a result, remember that a lien you don't even know you have will prevent you from getting that loan modification.

Read More

Topics: loan modification, foreclosure defense

Does Your State Require Judicial or Nonjudicial Foreclosure?

Posted by Maxwell Swinney

Wednesday, October 21, 2015

When you do not pay your home loan payments, your lender is required to follow the laws and procedures of your state to take ownership of your home and sell it. Some states require lenders to file a lawsuit in court in order to foreclose, which is known as judicial foreclosure. Other states allow lenders to foreclose without filing a lawsuit in court, which is known as nonjudicial foreclosure. Roughly half of the states have judicial foreclosure rules and half have nonjudicial. 

Read More

Topics: new jersey foreclosure attorney, foreclosure defense, new york foreclosure attorney, florida foreclosure laws, florida foreclosure attorney, foreclosure

Can I Buy a Home After I Have Been Through Foreclosure?

Posted by Maxwell Swinney

Monday, October 19, 2015

Losing your home is a stressful process to endure, but it doesn't mean you have to give up on your goal of owning a home forever. But many homeowners are unsure if they will be able to get a mortgage after foreclosure.

Yes, you can buy a home after going through foreclosure, but you may need to wait several years or more after your foreclosure is completed, and you may be charged a higher interest rate and need a larger down payment to do it.

Read More

Topics: understanding credit, Buying a home after foreclosure, life after foreclosure, foreclosure

Foreclosure Stereotypes Are Not Accurate

Posted by Maxwell Swinney

Friday, October 16, 2015

Some might assume that foreclosure happens primarily to irresponsible people who have low income and education, and are in a position to lose their home because of their own bad life choices and laziness. While some people experiencing foreclosure might fit that description, it's wise to remember what your mother told you about assuming: it makes something undesirable out of 'u' and 'me'.

Read More

Topics: foreclosure

What Makes a Bad Foreclosure Defense Attorney?

Posted by Maxwell Swinney

Wednesday, October 14, 2015

If you are behind on your mortgage payments and think you need the help of a professional, you'll find that there are no shortage of attorneys willing to take you on as a client. But, there are many different types of attorneys with different experiences, resources, and points of view. For example, a law firm specializing in intellectual property law probably would not be the best choice if you need foreclosure defense and loan modification help, any more than an ear, nose, and throat doctor would be the best choice if you need surgery on your knee.

Read More

Topics: loan modification attorney, foreclosure defense

How to Avoid Mortgage Relief and Foreclosure Scams

Posted by Maxwell Swinney

Monday, October 12, 2015

One of the fundamental principles of capitalism is that, if there are a sufficient number of consumers who wish to purchase a product or service, a market will be created to sell it to them. If there's money to be made meeting some need or want, whether it's real or imagined, vital or not, some entrepreneur will provide it and try to turn a profit. We're all grateful that farmers meet our need for food, and Hollywood meets our desire for entertainment (sometimes), and we're happy to hand over our money for those things. But there will always be some entrepreneurs who are intent on making money by deception, or by taking advantage of consumers who wish to purchase a miracle.

Read More

Topics: foreclosure defense, loan modification scams in Florida, Scam Alert

CFPB Issues Monthly Complaint Report, Mortgages Still In Lead

Posted by Maxwell Swinney

Friday, October 9, 2015

Mortgage loans are the cause of more complaints than any other financial product to the Consumer Financial Protection Bureau (CFPB), according to its Monthly Complaint Report for September 2015.

The CFPB has registered 192,500 mortgage complaints, which account for 27% of the total of 702,900 complaints it has received. More than half of all mortgage complaints are related to issues borrowers encounter when they are unable to pay, including problems with foreclosure and loan modification applications.

Read More

Topics: foreclosure

How do I find out if I'm in foreclosure?

Posted by Maxwell Swinney

Wednesday, October 7, 2015

You can't fix a problem you don't know you have, and foreclosure is a very serious problem indeed. Home loans are valuable investments for a lender, and you can bet that if you stop payment on yours, you will be hearing from them asking you where their money is and if you intend to catch up, and eventually telling you to get out so they can sell the property to someone else.

Read More

Topics: foreclosure defense

Is Strategic Default A Good Idea?

Posted by Maxwell Swinney

Monday, October 5, 2015

If your home is underwater (worth less than what you owe on it), and you've tried and failed to modify the terms of your loan or come to another agreement with your lender, you may be wondering if it's wise to continue making payments on the property. Is there a way out?

Read More

Topics: foreclosure defense, strategic default

Can a Home Be Foreclosed If Property Taxes Are Not Paid?

Posted by Maxwell Swinney

Friday, October 2, 2015

Few people have been more universally hated throughout history than tax collectors. They take your hard-earned money, but it always seems like too much for what the government they represent provides in return. It's a story as old as civilization. Nobody likes paying taxes.

Read More

Topics: new jersey foreclosure attorney, florida foreclosure defense, pennsylvania foreclosure defense, illinois foreclosure lawyer, foreclosure defense, new york foreclosure attorney

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.

Quick Answers

Do You Need To Hire A Foreclosure Attorney? Take Our 2-Minute Quiz

2015 Guide to Loan Modification

New Call-to-action  


Checklist of Loan Modification Documents

Guide: How to Write a  Hardship Letter  for Loan Modification

Posts by Topic

see all

Subscribe to Email Updates

Foreclosure Process Handbook

IL-foreclosure-attorney-map Download Your Illinois  Foreclosure Process Handbook



florida-small Download Your Florida  Foreclosure Process Handbook



new-jersey-map-small Download New Jersey  Foreclosure Process Handbook



New-York-Small Download New York  Foreclosure Process Handbook



pennsylvania-sm-attorney Download Pennsylvania  Foreclosure Process Handbook