--- title: Foreclosure and Loan Modification Blog | Jake Sterling (10) 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. (10) --- [![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 ## [Foreclosure Summary Judgment - Hearings and Motions and Sale Dates, Oh My!](https://blog.amerihopealliance.com/blog/foreclosure-summary-judgment-hearings-motions-sale-dates-oh-my) [![](https://blog.amerihopealliance.com/hs-fs/file-387339020-jpg/images/foreclosure-summary-judgments.jpg)](https://blog.amerihopealliance.com/blog/foreclosure-summary-judgment-hearings-motions-sale-dates-oh-my) Although foreclosure laws vary from state to state, most states require that the lender file a lawsuit with the circuit court in the county that the property is located. As a result, the homeowner will receive a notice of lawsuit. Once the homeowner receives this notice, it's imperative that he or she speak to legal foreclosure counsel, or else they are most likely already in [over their heads](http://dictionary.law.com/Default.aspx?selected=2063). Even with this information, some homeowners choose to represent themselves and quickly discover their inability to navigate toward a favorable outcome in the legal process. \[fa icon="clock-o"\] Wednesday, November 20, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/foreclosure-summary-judgment-hearings-motions-sale-dates-oh-my) ## [Long Live the Mortgage Forgiveness Debt Relief Act](https://blog.amerihopealliance.com/blog/long-live-the-mortgage-forgiveness-debt-relief-act) [![](https://blog.amerihopealliance.com/hs-fs/file-384373070-jpg/images/mortgage-debt-relief-congress.jpg)](https://blog.amerihopealliance.com/blog/long-live-the-mortgage-forgiveness-debt-relief-act) **The Imploding Housing Market** According to an article in [CNN Money](http://money.cnn.com/2008/01/29/real_estate/foreclosure_filings_2007/), the number of foreclosures reached staggering levels in 2007 with **405,000 homeowners losing their homes**. Based on the previous year's numbers, repossessions in 2007 were up an astonishing 51%. Yet, the situation continued to worsen with December's foreclosure numbers **skyrocketing to 97%** over the previous December's filings. For the year 2007, the total filings, which included auction sale notices, default notices, and bank repossessions, towered to an unimaginable 75% over the filings in 2006. Needless to say, the housing market and the nation's economy were in dire straits.   \[fa icon="clock-o"\] Monday, November 18, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification) [Read More »](https://blog.amerihopealliance.com/blog/long-live-the-mortgage-forgiveness-debt-relief-act) ## [Loan Modification Success: PNC Payment Reduction](https://blog.amerihopealliance.com/loan-modification-success-pnc-payment-reduction) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 5,000 homeowners, here is one of their stories.* ![58-months-behind-3](https://blog.amerihopealliance.com/hs-fs/file-354211684-jpg/images/58-months-behind-3.jpg?width=416&name=58-months-behind-3.jpg) A homeowner in Pennsylvania hadn't paid his $2,300 mortgage payment to [PNC](https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&sqi=2&ved=0CFQQFjAA&url=https%3A%2F%2Fwww.pncmortgage.com%2F&ei=bbJhUv7AIZS68wSkoIHQBg&usg=AFQjCNHrpOJx1I_2mJTNTxh7qLbuBUSZgQ&sig2=-ZBYmoOn9ZT9tGygz_-tmQ&bvm=bv.54934254,d.eWU) in nearly 5 years, and was about to lose his home because a sale date had already been set. What was probably the most frustrating to the homeowner was that he and his wife had been [attempting to get a loan modification](http://en.wikipedia.org/wiki/Mortgage_modification) from PNC for 3 years, but they had gotten the run-around from the bank. This homeowner needed the help of a highly experienced foreclosure attorney **immediately**, and he got in touch with us to fix his problem. \[fa icon="clock-o"\] Sunday, November 17, 2013 \[fa icon="user"\] [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) [Read More »](https://blog.amerihopealliance.com/loan-modification-success-pnc-payment-reduction) ## [What Is a Deficiency Judgment, and How Can You Avoid One?](https://blog.amerihopealliance.com/blog/what-is-a-deficiency-judgment-and-how-can-you-avoid-one) [![](https://blog.amerihopealliance.com/hs-fs/file-379026533-jpg/images/deficiency-judgment-foreclosure.jpg)](https://blog.amerihopealliance.com/blog/what-is-a-deficiency-judgment-and-how-can-you-avoid-one) The unofficial definition of a **deficiency judgment,** sometimes called a mortgage deficiency judgment, could be something like: “…When your former mortgage lender won’t let you go.” Unfortunately, the real answer is a little more complicated. If the unthinkable happens and you lose your home to foreclosure sale, there could be two outcomes. The first outcome is that the lender receives the amount of money you owe on the mortgage. In a perfect world, your house is worth $100,000 and it sells at foreclosure auction for at least $100,000, then your mortgage lender is just a bad memory (maybe). \[fa icon="clock-o"\] Friday, November 15, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [foreclosure deficiency](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency), [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/what-is-a-deficiency-judgment-and-how-can-you-avoid-one) ## [Foreclosure Myth Busters: Debunking 6 Common Myths](https://blog.amerihopealliance.com/blog/foreclosure-myth-busters-debunking-6-common-myths) [![](https://blog.amerihopealliance.com/hs-fs/file-380149945-jpg/images/foreclosure-7-myths.jpg)](https://blog.amerihopealliance.com/blog/foreclosure-myth-busters-debunking-6-common-myths) If you were to believe everything you've ever heard, stepping on a crack would result in your mother's broken back, and you'd be more golden than King Midas based on all the pots you would have collected at the end of rainbows. However, these myths are just like many of the foreclosure myths, simply untrue. Recognizing some of the crazier myths has always been easy, but many of the foreclosure myths seemingly have merit. In the quest for the truth, some of the most common foreclosure myths are put to the test. In true myth buster fashion, the following information features foreclosure myths tested, tried, and ultimately debunked. **MYTH #1** *My credit will be damaged forever.* Although a foreclosure will have a negative effect on your credit score, you can recover. Today's borrowers can be approved for FHA loans in [as little as one year](https://blog.amerihopealliance.com/blog/fha-is-putting-ex-troubled-homeowners-back-to-work) after a foreclosure. However, you can't have any other derogatory marks on your credit report at the time. \[fa icon="clock-o"\] Wednesday, November 13, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [stop foreclosure](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure), [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/foreclosure-myth-busters-debunking-6-common-myths) ## [What to Know Before You Modify Your Mortgage](https://blog.amerihopealliance.com/blog/what-to-know-before-you-modify-your-mortgage) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-375627463.jpg)](https://blog.amerihopealliance.com/blog/what-to-know-before-you-modify-your-mortgage) *By John Voket, RISMedia Columnist* In a previous segment, I touched on several options for mortgage holders who are underwater. Then I ran across some particularly timely information courtesy of Anna Kerr of Refinanceitt.com, an online refinance loan company in Schaumburg, SC. Kerr says if you are lacking behind in the mortgage and are not able to qualify for loan modification or some other kind of payment, you should opt for [mortgage modification](https://legal.amerihopealliance.com/loan-modification-consultation). **Home loan modification permits the consumer to interact with the lender and avail the desired loan terms and conditions**. According to Kerr, you can state your preferences, which will enable you to pay the loan with ease and comfort. She says chances are the lender will either decrease the [mortgage modification](https://legal.amerihopealliance.com/what-should-i-do-if-i-receive-a-loan-modification-offer-in-the-mail) rate, which will in turn decrease your payment per month, or give an extension in the loan term and be assured that the dues are included in the main balance of the loan. Kerr says you begin by calling up the lender or the present mortgage service provider who has been given rights by your lender. Before contacting your lender, however, keep in mind **three important things**. \[fa icon="clock-o"\] Tuesday, November 12, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification), [Scam Alert](https://blog.amerihopealliance.com/blog/topic/scam-alert) [Read More »](https://blog.amerihopealliance.com/blog/what-to-know-before-you-modify-your-mortgage) ## [Florida's "Foreclosure King" Dethroned? Not Quite.](https://blog.amerihopealliance.com/blog/foreclosure-king-dethroned-not-quite) [![](https://blog.amerihopealliance.com/hs-fs/file-372083804-jpg/images/David-J-Stern-florida-foreclosure-king.jpg)](https://blog.amerihopealliance.com/blog/foreclosure-king-dethroned-not-quite) Here's something that probably didn't make your local news: David J. Stern, the so-called "Foreclosure King" will more than likely lose his law license and will have to pay a **$50,000 fine** to the Florida Bar. This follows an extensive investigation and civil suit from the Florida Bar Association. While the fact is that this is the only court decision against Stern himself thus far (his companies, however, have been sued several times, and one of his companies is in the process of suing Stern for $60,000,000) surely pleased Stern, [the big banks](https://blog.amerihopealliance.com/blog/bid/301377/BOA-Makes-Up-Own-Requirements-for-Deed-in-Lieu-of-FHA-Backed-Loan), and their cronies, it's a slap in the face to every homeowner in the nation, not to mention the homeowners in the Sunshine State who were torched by his firms' actions.  ## Who is David J. Stern? If you're not familiar with David J. Stern and the impact he's had on the state of Florida, imagine if most of the court cases in one state (the nation's **4th most-populated state**, at that) were controlled by a single law firm. Now imagine if this law firm was run in the most greedy and apathetic, but least efficient manner possible. Imagine that this law firm found several ways to make a mockery of everything the legal system stands for- from missing court appearances, to forging important documents, to blatantly disregarding the most basic laws that applied to its cases. Then imagine if these improprieties didn't only cost years worth of time and resources for the legal system and the taxpayers that finance it, but they also cost thousands and thousands of families their homes and livelihoods. \[fa icon="clock-o"\] Monday, November 11, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) [Read More »](https://blog.amerihopealliance.com/blog/foreclosure-king-dethroned-not-quite) ## [Loan Modification Success: Bank of America Loan Modification After 3 Years](https://blog.amerihopealliance.com/blog/loan-modification-success-bank-of-america-loan-modification-after-3-years) [![](https://blog.amerihopealliance.com/hs-fs/file-320541455-jpg/images/monthly-payment-reduction-450.jpg)](https://blog.amerihopealliance.com/blog/loan-modification-success-bank-of-america-loan-modification-after-3-years) *Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 5,000 homeowners, here is one of their stories.* This[New Jersey homeowner](http://www.judiciary.state.nj.us/civil/foreclosure/overview.html) was picking up the pieces after a divorce and could no longer afford his home. Worse, he missed out on a previous loan modification offer from[Bank of America](https://blog.amerihopealliance.com/blog/bid/286229/You-re-Not-Alone-Bank-Of-America-Loan-Modification-Problems) due to confusion about the documents he received. By the time he retained us in June 2013, he was already **39 months behind** on his monthly mortgage payment of **$2,701.43**, and was in grave danger of foreclosure. Who's to say why Bank of America hadn't filed the foreclosure lawsuit yet, but after 3 years of missing mortgage payments, it is inevitable. Immediately after the homeowner signed his retainer agreement, we began working with him to gather documents that are necessary to create a new loan modification package. This diligent homeowner was so organized that we were able to submit his loan modification package to Bank of America by the start of the following month, July 2013. After 3 months of staying on top of Bank of America's notoriously flaky loan modification department, we obtained a permanent loan modification offer from Bank of America. His payment would be **lowered by over $450 monthly** to $2,244.48 and his interest rate would be dropped from 5.50% to 4.75%. Best of all, the loan modification took about **3 months** to complete, even with Bank of America's [terrible record of helping troubled homeowners](https://blog.amerihopealliance.com/blog/bid/306677/5-Bank-of-America-Loan-Modification-Problems-This-Year), and the threat of foreclosure on his home had been completely avoided. \[fa icon="clock-o"\] Sunday, November 10, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [bank of america loan modification](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications) [Read More »](https://blog.amerihopealliance.com/blog/loan-modification-success-bank-of-america-loan-modification-after-3-years) ## [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) [![](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg)](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) If an industry insider was asked to compare the way big banks have handled the foreclosure crisis to the movies, he would not think of the highly coordinated drama of a war epic, nor would he mention the selfless heroism shown in superhero movies. Instead, he would probably compare the banks' ways to the silent ineptitude of the Marx Brothers or Charlie Chaplin; or even **the destructive buffoonery of the Three Stooges**. ## Your Mortgage Lender Loves Slapstick Comedy Unfortunately, the way the banks have dealt with people's homes- and by extension, their very livelihoods- is no laughing matter. [Hundreds of thousands of people](http://en.wikipedia.org/wiki/2010_United_States_foreclosure_crisis) have lost-and are still losing- their homes because they don't know how to fight against the banks, even when the banks themselves don't have a proper handle on the foreclosure cases they've been filing. \[fa icon="clock-o"\] Wednesday, November 6, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) [Read More »](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) ## [Red Flags: Be Wary of Mortgage Scams](https://blog.amerihopealliance.com/blog/red-flags-be-wary-of-mortgage-scams) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-360210430.jpg)](https://blog.amerihopealliance.com/blog/red-flags-be-wary-of-mortgage-scams) *By John Voket, RISMedia Consumer Confidant* With the uptick in mortgage and loan fraud in recent years, we tapped the Federal Trade Commission and continue our look at the agency's list of red flags to help you stay safe from scam artists and fraudulent mortgage or loan purveyors. \[fa icon="clock-o"\] Tuesday, November 5, 2013 \[fa icon="user"\] [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), [Scam Alert](https://blog.amerihopealliance.com/blog/topic/scam-alert) [Read More »](https://blog.amerihopealliance.com/blog/red-flags-be-wary-of-mortgage-scams) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/9) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/11) ### 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 - 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