--- title: Foreclosure and Loan Modification Blog | Jake Sterling description: Jake Sterling is Amerihope Alliance Legal Services' Homeowner Liaison. He helps to bring awareness and teach homeowners about foreclosure defense and options to save their homes. --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## Jake Sterling Jake Sterling is Amerihope Alliance Legal Services' Homeowner Liaison. He helps to bring awareness and teach homeowners about foreclosure defense and options to save their homes. Find me on: [\[fa icon="facebook-square"\]](http://www.facebook.com/amerihope) [\[fa icon="twitter-square"\]](http://www.twitter.com/amerihope) ## Recent Posts ## [Don’t Let a Judicial Default Cost You Your Home: Answer Your Foreclosure Complaint](https://blog.amerihopealliance.com/blog/avoid-judicial-default-by-answering-foreclosure-complaint) [![](https://blog.amerihopealliance.com/hubfs/images/HookHouse.jpg)](https://blog.amerihopealliance.com/blog/avoid-judicial-default-by-answering-foreclosure-complaint) If you’ve fallen behind on your mortgage—even by just a few payments—you’re in default. That means your lender can legally begin foreclosure proceedings. And eventually, you’ll receive a **notice of default**, a warning that you’re violating your mortgage terms and could lose your home. \[fa icon="clock-o"\] Friday, August 8, 2025 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [judicial default judgment](https://blog.amerihopealliance.com/blog/topic/judicial-default-judgment), [summons and complaint](https://blog.amerihopealliance.com/blog/topic/summons-and-complaint) [Read More »](https://blog.amerihopealliance.com/blog/avoid-judicial-default-by-answering-foreclosure-complaint) ## [Tips for Avoiding Foreclosure Scams](https://blog.amerihopealliance.com/blog/tips-for-avoiding-foreclosure-scams) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-284087823.jpg)](https://blog.amerihopealliance.com/blog/tips-for-avoiding-foreclosure-scams) **Foreclosure Headlines — Here’s How to Protect Yourself From Scams** Turn on the news or scroll through social media, and you’ll probably see another headline about foreclosures. “Foreclosures Are Rising” “Foreclosures Are a Hot Investment” While these stories often focus on trends or investors, they overlook the real people behind the numbers—**homeowners fighting to stay in their homes**. If you're struggling with mortgage payments, it’s easy to feel overwhelmed and vulnerable. Unfortunately, foreclosure scams target people in exactly that position. To help you avoid becoming a victim, here are **four critical tips from the Federal Reserve Board** on how to steer clear of foreclosure scams: --- ### 1. **Don’t Pay an Arm and a Leg** There is a legal fee associated with hiring an attorney.  Some law firm permit monthly payments which make hiring an attorney much more affordable.  **Red flags to avoid**: Requests for payment only by cashier’s check or wire transfer Lack of experience, look for an attorney that has represented thousands of homeowner for over a decade Bankruptcy is their only solution.  --- ### 2. **Beware of Guarantees** Not even the best attorney or —can *guarantee* to stop foreclosure. Law firms should will **help you explore your options**, like loan restructure, repayment plan, forbearance, but they won’t promise results they can’t control. If someone says they can *guarantee* a specific result,  **walk away**. Always get everything in writing. --- ### 3. **Know What You’re Signing — and Who You’re Signing It With** Never sign anything you haven’t read or don’t fully understand.  And don’t: Sign blank documents Allow someone to “fill out the paperwork for you” Sign anything that could transfer ownership of your home without **first consulting an attorney** **Slow down, ask questions, and seek legal advice.** --- ### 4. **If It Sounds Too Good to Be True, It Probably Is** Trust your gut. If you're hearing is Big Promises that’s a sign to be cautious. If you believe you've been targeted by a scam, report it—and **don’t delay in seeking legitimate help**. --- **Bottom Line: You Don’t Have to Face Foreclosure Alone** Protect yourself by working only with trusted legal professionals, getting everything in writing, and knowing your rights. There is real help out there—you just have to know where to look. Consult with a qualified foreclosure attorney right away.   \[fa icon="clock-o"\] Friday, August 1, 2025 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [loan modification scams in Florida](https://blog.amerihopealliance.com/blog/topic/loan-modification-scams-in-florida) [Read More »](https://blog.amerihopealliance.com/blog/tips-for-avoiding-foreclosure-scams) ## [New Law Helps Veterans Avoid Foreclosure](https://blog.amerihopealliance.com/blog/new-law-helps-veterans-avoid-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20solemn%20yet%20hopeful%20scene%20of%20a%20veteran%20standing%20in%20front%20of%20a%20modest%20home%20holding%20a%20letter%20that%20signifies%20new%20hope%20for%20avoiding%20foreclosure%20The%20veteran%20wearing%20a%20crisp%20military%20uniform%20adorned%20with%20medals%20has%20a%20look%20of%20determinatio-1.jpeg)](https://blog.amerihopealliance.com/blog/new-law-helps-veterans-avoid-foreclosure) ### New Law Helps Veterans Avoid Foreclosure – Here’s How We Can Help President Donald Trump has signed the VA Home Loan Program Reform Act (H.R. 1815) into law, giving veterans new tools to avoid losing their homes. For veteran homeowners who are struggling to keep up with mortgage payments, this law creates a partial claims program under the Department of Veterans Affairs (VA) Home Loan Program. \[fa icon="clock-o"\] Thursday, July 31, 2025 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/new-law-helps-veterans-avoid-foreclosure) ## [What is a Loan Modification Lawyer?](https://blog.amerihopealliance.com/blog/what-is-a-loan-modification-lawyer) [![](https://blog.amerihopealliance.com/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20serene%20home%20with%20a%20wellmaintained%20front%20yard%20featuring%20a%20small%20garden%20filled%20with%20colorful%20flowers%20and%20neatly%20trimmed%20grass%20In%20the%20foreground%20a%20sturdy%20wooden%20sign%20reads%20Welcome%20Home%20in%20cheerful%20lettering%20The%20house%20itself%20is%20a%20char-1.jpeg)](https://blog.amerihopealliance.com/blog/what-is-a-loan-modification-lawyer) \[fa icon="clock-o"\] Thursday, July 10, 2025 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [stop foreclosure](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure), [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [mortgage](https://blog.amerihopealliance.com/blog/topic/mortgage), [foreclosure glossary](https://blog.amerihopealliance.com/blog/topic/foreclosure-glossary), [lawyer](https://blog.amerihopealliance.com/blog/topic/lawyer), [foreclosure crisis](https://blog.amerihopealliance.com/blog/topic/foreclosure-crisis), [foreclosure defense attorney](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney), [avoiding foreclosure](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure), [loan modification application](https://blog.amerihopealliance.com/blog/topic/loan-modification-application) [Read More »](https://blog.amerihopealliance.com/blog/what-is-a-loan-modification-lawyer) ## [What to Do If You’re Facing Foreclosure This Summer](https://blog.amerihopealliance.com/blog/what-to-do-if-youre-facing-foreclosure-this-summer) [![](https://blog.amerihopealliance.com/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20serene%20summer%20landscape%20contrasting%20with%20the%20anxiety%20of%20foreclosure%20In%20the%20foreground%20a%20wellmanicured%20lawn%20stretches%20towards%20a%20modest%20suburban%20home%20sunlit%20with%20vibrant%20flowers%20blooming%20at%20its%20base%20A%20mailbox%20stands%20at%20the%20end%20of%20th.jpeg)](https://blog.amerihopealliance.com/blog/what-to-do-if-youre-facing-foreclosure-this-summer) Summer is meant to be a time for relaxation—but if you’re behind on mortgage payments or have received a foreclosure notice, it can feel like the walls are closing in. The good news is: foreclosure is not the end of the road. You have options—and the sooner you act, the more of them you’ll have. \[fa icon="clock-o"\] Thursday, May 29, 2025 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/what-to-do-if-youre-facing-foreclosure-this-summer) ## [6 Tips for Success for Our Foreclosure Defense Clients](https://blog.amerihopealliance.com/blog/6-tips-for-success-with-your-foreclosure-loan-modification-attorney) [![](https://blog.amerihopealliance.com/hubfs/images/Shake3.jpg)](https://blog.amerihopealliance.com/blog/6-tips-for-success-with-your-foreclosure-loan-modification-attorney) A successful relationship between a client and a law firm requires **both parties to do their job**. The firm may have the most work to do, but there are **some things that only the client can do**. Even the greatest attorney in the world can't get you what you want if you're not playing ball. If you hire our law firm, **take the steps below to ensure that you have the best relationship with us** and the highest chance of getting the outcome you want. ## 1. Add our phone numbers to your contacts and return our calls. Have you ever **received a call from an unknown number** and not answered it because you assumed that if the caller was important to you, you'd already have their number saved in your phone? Probably a telemarketer, you figured. Then you get a voice mail and realize that the caller was someone very important to you, but you didn't add their number to your contacts yet. Crap! Don't let that happen with a call from your lawyer. Add our number to your contacts and answer when we call you -- it's probably important. If you're a client of our firm, you will be getting calls from **877-882-5338** and **866-558-2408**. You might also want to add your paralegal's direct fax number, so you have it handy while you're doing #3 below. \[fa icon="clock-o"\] Tuesday, January 30, 2024 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [foreclosure defense attorney](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney) [Read More »](https://blog.amerihopealliance.com/blog/6-tips-for-success-with-your-foreclosure-loan-modification-attorney) ## [3 Dirty Secrets About Loan Modifications Your Bank Doesn't Want You to Know](https://blog.amerihopealliance.com/blog/were-sharing-3-dirty-secrets-about-loan-modifications-your-bank-doesnt-want-you-to-know) [![](https://blog.amerihopealliance.com/hubfs/images/Brightside-404622-edited.png)](https://blog.amerihopealliance.com/blog/were-sharing-3-dirty-secrets-about-loan-modifications-your-bank-doesnt-want-you-to-know) A **loan modification can allow you to keep your home and avoid foreclosure** after falling behind on your mortgage, but it's not necessarily all roses. In fact, there are some downsides to loan mods that your lender may not go out of their way tell you about. If you don't know, a loan modification is a **permanent change to one or more of the terms of your mortgage**, such as the term, interest rate, and monthly payment. A loan modification is often the only hope many homeowners have to keep their home following a default. They can be great, however if you need one, you should be aware of the following:  \[fa icon="clock-o"\] Sunday, July 12, 2020 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/were-sharing-3-dirty-secrets-about-loan-modifications-your-bank-doesnt-want-you-to-know) ## [Coronavirus Q&A: Should You Make Your Mortgage Payments?](https://blog.amerihopealliance.com/blog/coronavirus-qa-should-you-make-your-mortgage-payments) [![](https://blog.amerihopealliance.com/hubfs/images/2%20copy.png)](https://blog.amerihopealliance.com/blog/coronavirus-qa-should-you-make-your-mortgage-payments) ## Here are just a few of the things I overheard last week: - "Wells Fargo gave me a 3 month forbearance, I don't need to make any payments." - "If they can't foreclose, why should I make my mortgage payments?" - "Mr. Cooper is letting me skip three mortgage payments, I ordered new patio furniture." How would you respond to each of these? Let's take a look. \[fa icon="clock-o"\] Tuesday, June 16, 2020 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [coronavirus](https://blog.amerihopealliance.com/blog/topic/coronavirus), [covid19](https://blog.amerihopealliance.com/blog/topic/covid19) [Read More »](https://blog.amerihopealliance.com/blog/coronavirus-qa-should-you-make-your-mortgage-payments) ## [Successful Loan Modification Roundup Week of 5/15/20](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5-15-20) [![](https://blog.amerihopealliance.com/hubfs/images/socmes/200508-foreclosure-defense.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5-15-20) ## Mr. Cooper Loan Modification We received a modification for our client's mortgage with Mr. Cooper. They were 10 months behind, and in an active foreclosure case. This new modification lowers their mortgage payments from $803.82 per month to $743.64. Do you have a Mr. Cooper mortgage that's past due? See some of our other [Mr. Cooper case results](https://legal.amerihopealliance.com/nationstar-loan-modifications) here. \[fa icon="clock-o"\] Friday, May 15, 2020 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [cenlar loan modification](https://blog.amerihopealliance.com/blog/topic/cenlar-loan-modification), [loan modification success](https://blog.amerihopealliance.com/blog/topic/loan-modification-success), [mr cooper loan modification](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5-15-20) ## [Coronavirus and Your Mortgage: Should You Accept a Forbearance?](https://blog.amerihopealliance.com/blog/coronavirus-and-your-mortgage-should-you-accept-a-forbearance) [![](https://blog.amerihopealliance.com/hubfs/Copy%20of%20coronavirus%20square.png)](https://blog.amerihopealliance.com/blog/coronavirus-and-your-mortgage-should-you-accept-a-forbearance) Only if you have to. ### Our attorneys' COVID-19 advice: - If you can afford to keep paying your mortgage during a hardship caused by Coronavirus, **keep paying your mortgage.** - If you cannot afford to make your mortgage payments, our lawyers want to do everything possible to **help you understand** your options and be protected from your bank's misrepresentations. Q: Why? A: Because in our experience, most mortgage "disaster relief" becomes a nightmare. \[fa icon="clock-o"\] Tuesday, March 31, 2020 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [forbearance](https://blog.amerihopealliance.com/blog/topic/forbearance), [coronavirus](https://blog.amerihopealliance.com/blog/topic/coronavirus) [Read More »](https://blog.amerihopealliance.com/blog/coronavirus-and-your-mortgage-should-you-accept-a-forbearance) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/2) ### 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](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) 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](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - [loan modification (257)](https://blog.amerihopealliance.com/blog/topic/loan-modification) - [successful loan modifications (120)](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications) - [foreclosure defense (116)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) - [foreclosure (102)](https://blog.amerihopealliance.com/blog/topic/foreclosure) - [loan modification help (52)](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) - [ocwen loan modification (51)](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification) - [loan modification success (43)](https://blog.amerihopealliance.com/blog/topic/loan-modification-success) - [wells fargo loan modification (43)](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification) - [carrington loan modification (34)](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification) - [stop foreclosure (29)](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure) - [caliber loan modification (28)](https://blog.amerihopealliance.com/blog/topic/caliber-loan-modification) - [loan modification attorney (27)](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney) - [florida foreclosure defense (26)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense) - [sps loan modification (26)](https://blog.amerihopealliance.com/blog/topic/sps-loan-modification) - [new york foreclosure attorney (24)](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney) - [sls loan modification (24)](https://blog.amerihopealliance.com/blog/topic/sls-loan-modification) - [Scam Alert (23)](https://blog.amerihopealliance.com/blog/topic/scam-alert) - [bank of america loan modification (23)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification) - [how to stop foreclosure (21)](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure) - [mortgage fraud (21)](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud) - [florida foreclosure attorney (20)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney) - [loan modification lawyer (20)](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer) - [illinois foreclosure lawyer (19)](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer) - [new jersey foreclosure attorney (19)](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney) - [hamp loan modification (18)](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification) - [seterus loan modification (18)](https://blog.amerihopealliance.com/blog/topic/seterus-loan-modification) - [mr cooper loan modification (17)](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification) - [understanding credit (17)](https://blog.amerihopealliance.com/blog/topic/understanding-credit) - [ditech loan modification (16)](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification) - [life after foreclosure (16)](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure) - [nationstar loan modification (16)](https://blog.amerihopealliance.com/blog/topic/nationstar-loan-modification) - [HAMP (15)](https://blog.amerihopealliance.com/blog/topic/hamp) - [foreclosure defense attorney (15)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney) - [bayview loan modification (14)](https://blog.amerihopealliance.com/blog/topic/bayview-loan-modification) - [loan modification denied (14)](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied) - [housing market (13)](https://blog.amerihopealliance.com/blog/topic/housing-market) - [lenders (13)](https://blog.amerihopealliance.com/blog/topic/lenders) - [loan care loan modification (13)](https://blog.amerihopealliance.com/blog/topic/loan-care-loan-modification) - [PNC loan modification success (12)](https://blog.amerihopealliance.com/blog/topic/pnc-loan-modification-success) - [florida foreclosure laws (12)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) - [foreclosure defense attorney new jersey (12)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey) - [Rushmore loan modification (11)](https://blog.amerihopealliance.com/blog/topic/rushmore-loan-modification) - [new jersey foreclosure process (11)](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process) - [pennsylvania foreclosure defense (11)](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense) - [short sale (11)](https://blog.amerihopealliance.com/blog/topic/short-sale) - [bank of america loan modification problems (10)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification-problems) - [chase loan modification (10)](https://blog.amerihopealliance.com/blog/topic/chase-loan-modification) - [chase loan modifications (10)](https://blog.amerihopealliance.com/blog/topic/chase-loan-modifications) - [citi loan modification (10)](https://blog.amerihopealliance.com/blog/topic/citi-loan-modification) - [foreclosure deficiency (10)](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency) - [mortgage modification (10)](https://blog.amerihopealliance.com/blog/topic/mortgage-modification) - [shellpoint loan modification (10)](https://blog.amerihopealliance.com/blog/topic/shellpoint-loan-modification) - [foreclosure grief (9)](https://blog.amerihopealliance.com/blog/topic/foreclosure-grief) - [mortgage (9)](https://blog.amerihopealliance.com/blog/topic/mortgage) - [prolong foreclosure (9)](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure) - [us bank loan modification (9)](https://blog.amerihopealliance.com/blog/topic/us-bank-loan-modification) - [bank of america foreclosure (8)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-foreclosure) - [foreclosure process in new york (8)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-new-york) - [freedom mortgage loan modification (8)](https://blog.amerihopealliance.com/blog/topic/freedom-mortgage-loan-modification) - [loan modification scams in Florida (8)](https://blog.amerihopealliance.com/blog/topic/loan-modification-scams-in-florida) - [penny mac loan modification (8)](https://blog.amerihopealliance.com/blog/topic/penny-mac-loan-modification) - [selene loan modification (8)](https://blog.amerihopealliance.com/blog/topic/selene-loan-modification) - [avoiding foreclosure (7)](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure) - [cenlar loan modification (7)](https://blog.amerihopealliance.com/blog/topic/cenlar-loan-modification) - [florida foreclosure process (7)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process) - [foreclosure fraud (7)](https://blog.amerihopealliance.com/blog/topic/foreclosure-fraud) - [m&t bank loan modification (7)](https://blog.amerihopealliance.com/blog/topic/mt-bank-loan-modification) - [mortgage shopping, (7)](https://blog.amerihopealliance.com/blog/topic/mortgage-shopping) - [timeshare cancellation (7)](https://blog.amerihopealliance.com/blog/topic/timeshare-cancellation) - [ditech loan modification success (6)](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification-success) - [financial worksheet for loan modification (6)](https://blog.amerihopealliance.com/blog/topic/financial-worksheet-for-loan-modification) - [foreclosure crisis (6)](https://blog.amerihopealliance.com/blog/topic/foreclosure-crisis) - [hurricane irma (6)](https://blog.amerihopealliance.com/blog/topic/hurricane-irma) - [mortgage servicers (6)](https://blog.amerihopealliance.com/blog/topic/mortgage-servicers) - [phh loan modification (6)](https://blog.amerihopealliance.com/blog/topic/phh-loan-modification) - [roundpoint loan modification (6)](https://blog.amerihopealliance.com/blog/topic/roundpoint-loan-modification) - [trial modification (6)](https://blog.amerihopealliance.com/blog/topic/trial-modification) - [debt collections harassment (5)](https://blog.amerihopealliance.com/blog/topic/debt-collections-harassment) - [deficiency judgment (5)](https://blog.amerihopealliance.com/blog/topic/deficiency-judgment) - [foreclosure process in florida (5)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-florida) - [i have a foreclosure sale date (5)](https://blog.amerihopealliance.com/blog/topic/i-have-a-foreclosure-sale-date) - [mortgage servicing (5)](https://blog.amerihopealliance.com/blog/topic/mortgage-servicing) - [summons and complaint (5)](https://blog.amerihopealliance.com/blog/topic/summons-and-complaint) - [asc loan modification (4)](https://blog.amerihopealliance.com/blog/topic/asc-loan-modification) - [deed in lieu of foreclosure (4)](https://blog.amerihopealliance.com/blog/topic/deed-in-lieu-of-foreclosure) - [final judgment (4)](https://blog.amerihopealliance.com/blog/topic/final-judgment) - [forbearance (4)](https://blog.amerihopealliance.com/blog/topic/forbearance) - [foreclosure lawsuit (4)](https://blog.amerihopealliance.com/blog/topic/foreclosure-lawsuit) - [foreclosure process in illinois (4)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-illinois) - [loan modification application (4)](https://blog.amerihopealliance.com/blog/topic/loan-modification-application) - [negative equity (4)](https://blog.amerihopealliance.com/blog/topic/negative-equity) - [normal servicing (4)](https://blog.amerihopealliance.com/blog/topic/normal-servicing) - [personal finance (4)](https://blog.amerihopealliance.com/blog/topic/personal-finance) - [phfa loan modification (4)](https://blog.amerihopealliance.com/blog/topic/phfa-loan-modification) - [principal reduction (4)](https://blog.amerihopealliance.com/blog/topic/principal-reduction) - [refinance (4)](https://blog.amerihopealliance.com/blog/topic/refinance) - [sps repayment plan (4)](https://blog.amerihopealliance.com/blog/topic/sps-repayment-plan) - [stop foreclosure in florida (4)](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure-in-florida) - [suntrust loan modification (4)](https://blog.amerihopealliance.com/blog/topic/suntrust-loan-modification) - [write a hardship letter (4)](https://blog.amerihopealliance.com/blog/topic/write-a-hardship-letter) - [Bankruptcy (3)](https://blog.amerihopealliance.com/blog/topic/bankruptcy) - [Buying a home after foreclosure (3)](https://blog.amerihopealliance.com/blog/topic/buying-a-home-after-foreclosure) - [CFPB (3)](https://blog.amerihopealliance.com/blog/topic/cfpb) - [HUD (3)](https://blog.amerihopealliance.com/blog/topic/hud) - [bb&t loan modification (3)](https://blog.amerihopealliance.com/blog/topic/bbt-loan-modification) - [bsi loan modification success (3)](https://blog.amerihopealliance.com/blog/topic/bsi-loan-modification-success) - [capital one loan modifications (3)](https://blog.amerihopealliance.com/blog/topic/capital-one-loan-modifications) - [debt settlement (3)](https://blog.amerihopealliance.com/blog/topic/debt-settlement) - [default judgment (3)](https://blog.amerihopealliance.com/blog/topic/default-judgment) - [dual-tracking (3)](https://blog.amerihopealliance.com/blog/topic/dual-tracking) - [fay servicing loan modification (3)](https://blog.amerihopealliance.com/blog/topic/fay-servicing-loan-modification) - [flagstar loan modification (3)](https://blog.amerihopealliance.com/blog/topic/flagstar-loan-modification) - [foreclosure fees (3)](https://blog.amerihopealliance.com/blog/topic/foreclosure-fees) - [lawyer (3)](https://blog.amerihopealliance.com/blog/topic/lawyer) - [loan modification financial worksheet (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-financial-worksheet) - [loan modification fraud (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-fraud) - [loan modification terms (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-terms) - [massachusetts foreclosure lawyer (3)](https://blog.amerihopealliance.com/blog/topic/massachusetts-foreclosure-lawyer) - [mortgage abuse (3)](https://blog.amerihopealliance.com/blog/topic/mortgage-abuse) - [mortgage debt (3)](https://blog.amerihopealliance.com/blog/topic/mortgage-debt) - [news (3)](https://blog.amerihopealliance.com/blog/topic/news) - [Florida statue of limitations (2)](https://blog.amerihopealliance.com/blog/topic/florida-statue-of-limitations) - [Greentree loan modification (2)](https://blog.amerihopealliance.com/blog/topic/greentree-loan-modification) - [affirmative defense (2)](https://blog.amerihopealliance.com/blog/topic/affirmative-defense) - [consent to foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/consent-to-foreclosure) - [coronavirus (2)](https://blog.amerihopealliance.com/blog/topic/coronavirus) - [covid19 (2)](https://blog.amerihopealliance.com/blog/topic/covid19) - [dos donts of foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/dos-donts-of-foreclosure) - [fha (2)](https://blog.amerihopealliance.com/blog/topic/fha) - [fifth third bank loan modification (2)](https://blog.amerihopealliance.com/blog/topic/fifth-third-bank-loan-modification) - [florida foreclosure bill (2)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-bill) - [foreclosure auction (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-auction) - [foreclosure glossary (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-glossary) - [foreclosure moratorium (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-moratorium) - [free house (2)](https://blog.amerihopealliance.com/blog/topic/free-house) - [gregory funding loan modification (2)](https://blog.amerihopealliance.com/blog/topic/gregory-funding-loan-modification) - [hardest hit (2)](https://blog.amerihopealliance.com/blog/topic/hardest-hit) - [hardship (2)](https://blog.amerihopealliance.com/blog/topic/hardship) - [hardship letter (2)](https://blog.amerihopealliance.com/blog/topic/hardship-letter) - [home point loan modification (2)](https://blog.amerihopealliance.com/blog/topic/home-point-loan-modification) - [hsbc loan modification (2)](https://blog.amerihopealliance.com/blog/topic/hsbc-loan-modification) - [hurricane (2)](https://blog.amerihopealliance.com/blog/topic/hurricane) - [judicial default judgment (2)](https://blog.amerihopealliance.com/blog/topic/judicial-default-judgment) - [lakeview loan servicing loan modification (2)](https://blog.amerihopealliance.com/blog/topic/lakeview-loan-servicing-loan-modification) - [law firm awards (2)](https://blog.amerihopealliance.com/blog/topic/law-firm-awards) - [legal aid (2)](https://blog.amerihopealliance.com/blog/topic/legal-aid) - [loan modification cost (2)](https://blog.amerihopealliance.com/blog/topic/loan-modification-cost) - [mortgage assistance (2)](https://blog.amerihopealliance.com/blog/topic/mortgage-assistance) - [notice of default (2)](https://blog.amerihopealliance.com/blog/topic/notice-of-default) - [predatory lending (2)](https://blog.amerihopealliance.com/blog/topic/predatory-lending) - [pro se litigation (2)](https://blog.amerihopealliance.com/blog/topic/pro-se-litigation) - [regions bank loan modification (2)](https://blog.amerihopealliance.com/blog/topic/regions-bank-loan-modification) - [reinstatement (2)](https://blog.amerihopealliance.com/blog/topic/reinstatement) - [retirement (2)](https://blog.amerihopealliance.com/blog/topic/retirement) - [reverse mortgage (2)](https://blog.amerihopealliance.com/blog/topic/reverse-mortgage) - [stearns loan care loan modification (2)](https://blog.amerihopealliance.com/blog/topic/stearns-loan-care-loan-modification) - [unclean hands (2)](https://blog.amerihopealliance.com/blog/topic/unclean-hands) - [underwater (2)](https://blog.amerihopealliance.com/blog/topic/underwater) - [wells fargo (2)](https://blog.amerihopealliance.com/blog/topic/wells-fargo) - [writ of possession (2)](https://blog.amerihopealliance.com/blog/topic/writ-of-possession) - [zombie foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/zombie-foreclosure) - [21st Mortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/21st-mortgage-loan-modification) - [Abandoned Homes (1)](https://blog.amerihopealliance.com/blog/topic/abandoned-homes) - [Excessive Overdraft Fees (1)](https://blog.amerihopealliance.com/blog/topic/excessive-overdraft-fees) - [FCI Lenders Services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/fci-lenders-services-loan-modification) - [FHFA (1)](https://blog.amerihopealliance.com/blog/topic/fhfa) - [HAFA (1)](https://blog.amerihopealliance.com/blog/topic/hafa) - [HOA Foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/hoa-foreclosure) - [Hardest Hit Fund (1)](https://blog.amerihopealliance.com/blog/topic/hardest-hit-fund) - [Homebridge Financial Services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/homebridge-financial-services-loan-modification) - [Mortgage Forgiveness Debt Relief Act (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-forgiveness-debt-relief-act) - [Ocwen (1)](https://blog.amerihopealliance.com/blog/topic/ocwen) - [Superstorm Sandy (1)](https://blog.amerihopealliance.com/blog/topic/superstorm-sandy) - [act 91 notice (1)](https://blog.amerihopealliance.com/blog/topic/act-91-notice) - [amc loan modification (1)](https://blog.amerihopealliance.com/blog/topic/amc-loan-modification) - [auction (1)](https://blog.amerihopealliance.com/blog/topic/auction) - [bitcoin (1)](https://blog.amerihopealliance.com/blog/topic/bitcoin) - [citibank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/citibank-loan-modification) - [citimortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/citimortgage-loan-modification) - [class action lawsuit (1)](https://blog.amerihopealliance.com/blog/topic/class-action-lawsuit) - [complete application scam (1)](https://blog.amerihopealliance.com/blog/topic/complete-application-scam) - [conciliation conference (1)](https://blog.amerihopealliance.com/blog/topic/conciliation-conference) - [connecticut foreclosure defense (1)](https://blog.amerihopealliance.com/blog/topic/connecticut-foreclosure-defense) - [consent order (1)](https://blog.amerihopealliance.com/blog/topic/consent-order) - [credit cards (1)](https://blog.amerihopealliance.com/blog/topic/credit-cards) - [deferment (1)](https://blog.amerihopealliance.com/blog/topic/deferment) - [divorce and foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/divorce-and-foreclosure) - [email (1)](https://blog.amerihopealliance.com/blog/topic/email) - [fannie mae (1)](https://blog.amerihopealliance.com/blog/topic/fannie-mae) - [fci loan modification (1)](https://blog.amerihopealliance.com/blog/topic/fci-loan-modification) - [fema (1)](https://blog.amerihopealliance.com/blog/topic/fema) - [financial crisis (1)](https://blog.amerihopealliance.com/blog/topic/financial-crisis) - [first national bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/first-national-bank-loan-modification) - [flex modification (1)](https://blog.amerihopealliance.com/blog/topic/flex-modification) - [force-placed insurance (1)](https://blog.amerihopealliance.com/blog/topic/force-placed-insurance) - [foreclosure documents (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-documents) - [foreclosure pets (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-pets) - [foreclosure trial (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-trial) - [government shutdown (1)](https://blog.amerihopealliance.com/blog/topic/government-shutdown) - [guaranteed rate loan modification (1)](https://blog.amerihopealliance.com/blog/topic/guaranteed-rate-loan-modification) - [heloc (1)](https://blog.amerihopealliance.com/blog/topic/heloc) - [home bridge financial services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/home-bridge-financial-services-loan-modification) - [home loan investment bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/home-loan-investment-bank-loan-modification) - [housing (1)](https://blog.amerihopealliance.com/blog/topic/housing) - [housing bubble (1)](https://blog.amerihopealliance.com/blog/topic/housing-bubble) - [in-house loan modification (1)](https://blog.amerihopealliance.com/blog/topic/in-house-loan-modification) - [income tax (1)](https://blog.amerihopealliance.com/blog/topic/income-tax) - [investment property (1)](https://blog.amerihopealliance.com/blog/topic/investment-property) - [judicial or clerk's default (1)](https://blog.amerihopealliance.com/blog/topic/judicial-or-clerks-default) - [leprechaun (1)](https://blog.amerihopealliance.com/blog/topic/leprechaun) - [lien (1)](https://blog.amerihopealliance.com/blog/topic/lien) - [loan modification process in florida (1)](https://blog.amerihopealliance.com/blog/topic/loan-modification-process-in-florida) - [loancare loan modification (1)](https://blog.amerihopealliance.com/blog/topic/loancare-loan-modification) - [m&t babk (1)](https://blog.amerihopealliance.com/blog/topic/mt-babk) - [mediation (1)](https://blog.amerihopealliance.com/blog/topic/mediation) - [mgc mortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/mgc-mortgage-loan-modification) - [mortgage examination (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-examination) - [mortgage investor (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-investor) - [mortgage rates (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-rates) - [mr. cooper (1)](https://blog.amerihopealliance.com/blog/topic/mr-cooper) - [ocwen foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/ocwen-foreclosure) - [pacific union finance loan modification success (1)](https://blog.amerihopealliance.com/blog/topic/pacific-union-finance-loan-modification-success) - [partial claim (1)](https://blog.amerihopealliance.com/blog/topic/partial-claim) - [pennsylvania housing finance agency (1)](https://blog.amerihopealliance.com/blog/topic/pennsylvania-housing-finance-agency) - [pennymac loan modification (1)](https://blog.amerihopealliance.com/blog/topic/pennymac-loan-modification) - [probate (1)](https://blog.amerihopealliance.com/blog/topic/probate) - [quiet title (1)](https://blog.amerihopealliance.com/blog/topic/quiet-title) - [quitclaim deed (1)](https://blog.amerihopealliance.com/blog/topic/quitclaim-deed) - [recession (1)](https://blog.amerihopealliance.com/blog/topic/recession) - [remodification (1)](https://blog.amerihopealliance.com/blog/topic/remodification) - [reverse mortgage foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/reverse-mortgage-foreclosure) - [second mortgage modification (1)](https://blog.amerihopealliance.com/blog/topic/second-mortgage-modification) - [selling your timeshare (1)](https://blog.amerihopealliance.com/blog/topic/selling-your-timeshare) - [settlement conference (1)](https://blog.amerihopealliance.com/blog/topic/settlement-conference) - [sheriff's sale (1)](https://blog.amerihopealliance.com/blog/topic/sheriffs-sale) - [stearns lending loan modification (1)](https://blog.amerihopealliance.com/blog/topic/stearns-lending-loan-modification) - [stock trading (1)](https://blog.amerihopealliance.com/blog/topic/stock-trading) - [strategic default (1)](https://blog.amerihopealliance.com/blog/topic/strategic-default) - [sunwest loan modification (1)](https://blog.amerihopealliance.com/blog/topic/sunwest-loan-modification) - [tax foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/tax-foreclosure) - [td bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/td-bank-loan-modification) - [thanksgiving (1)](https://blog.amerihopealliance.com/blog/topic/thanksgiving) - [the big short (1)](https://blog.amerihopealliance.com/blog/topic/the-big-short) - [timeshare (1)](https://blog.amerihopealliance.com/blog/topic/timeshare) - [timeshare fraud (1)](https://blog.amerihopealliance.com/blog/topic/timeshare-fraud) - [trumark financial loan modification (1)](https://blog.amerihopealliance.com/blog/topic/trumark-financial-loan-modification) - [unknown foreclosure defendants (1)](https://blog.amerihopealliance.com/blog/topic/unknown-foreclosure-defendants) - [what is a case management conference (1)](https://blog.amerihopealliance.com/blog/topic/what-is-a-case-management-conference) see all [![Quick Foreclosure Quiz](https://no-cache.hubspot.com/cta/default/161513/5a1cfa41-2f25-4042-be8d-84677e3a244d.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/5a1cfa41-2f25-4042-be8d-84677e3a244d) ### Foreclosure Process Handbook ### Sitemap - [About](https://www.amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Free Consultation](https://www.amerihopealliance.com/free_consultation) - [Blog](https://blog.amerihopealliance.com) - [Client Login](https://www.amerihopealliance.com/client_login) ### Subscribe [![Do You Need To Hire A Foreclosure Attorney? Take Our 2-Minute Quiz](https://no-cache.hubspot.com/cta/default/161513/ceb8a341-537c-4129-a97d-da85fc0868ce.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ceb8a341-537c-4129-a97d-da85fc0868ce) ### Recent Posts ## Contact Us ### Call (877) 882-5338 ### Fax: (954) 919-6337 ### View our Office Locations Copyright 2008 - 2026 | Amerihope Alliance Legal Services [Privacy Policy](https://amerihopealliance.com/privacy) | [Terms of Service](https://amerihopealliance.com/terms) | [Site Map](https://amerihopealliance.com/sitemap) | [Glossary](https://amerihopealliance.com/glossary.php) | [Contact Us](https://amerihopealliance.com/contact_us) We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The hiring of a lawyer is an important decision that should not be based solely upon advertisements. This web site is designed for general information only. The facts and law in each case are different. We cannot and do not represent or guarantee a specific result in any given case. See our About Us page for our qualifications and experience.