--- title: Foreclosure and Loan Modification Blog | Jake Sterling (18) 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. (18) --- [![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 ## [5 Awful Excuses for Abandoning Pets in Foreclosed Homes](https://blog.amerihopealliance.com/blog/bid/303816/5-Awful-Excuses-for-Abandoning-Pets-in-Foreclosed-Homes) [![](https://blog.amerihopealliance.com/hs-fs/file-223814667-jpg/images/medium_4951721001.jpg)](https://blog.amerihopealliance.com/blog/bid/303816/5-Awful-Excuses-for-Abandoning-Pets-in-Foreclosed-Homes) # Pets Left Behind and Forgotten – Victims of Foreclosure They can't speak for themselves: poor defenseless animals abandoned and left behind in foreclosed homes. It's a bigger issue than people realize, a serious consequence of the [foreclosure nightmare](https://blog.amerihopealliance.com/blog/bid/300723/Law-Firm-s-Unique-Strategy-Helps-Obtain-Over-5-000-Loan-Modifications). Many homeowners do consider turning their pets into animal shelters, but due to overpopulation at many shelters, almost half of incoming animals are euthanized. Heartless homeowners sometimes leave pets in their abandoned homes without food or water, not to mention a non-temperature-controlled environment. Veterinarians say a dog or cat will become dehydrated within 24 hours without water and could die a slow, painful death within a few days. ## Why or How Can Foreclosed Homeowners Abandon Pets? \[fa icon="clock-o"\] Friday, July 12, 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) [Read More »](https://blog.amerihopealliance.com/blog/bid/303816/5-Awful-Excuses-for-Abandoning-Pets-in-Foreclosed-Homes) ## [Free Offer: Download the Pennsylvania Foreclosure Timeline](https://blog.amerihopealliance.com/blog/bid/302214/Free-Offer-Download-the-Pennsylvania-Foreclosure-Timeline) [![](https://blog.amerihopealliance.com/hs-fs/file-51755134-jpg/images/pennsylvania-sm-attorney.jpg)](https://blog.amerihopealliance.com/blog/bid/302214/Free-Offer-Download-the-Pennsylvania-Foreclosure-Timeline) - Do you know what to do after being served with a foreclosure notice? - Do you understand how long foreclosure takes in Pennsylvania? - Are you prepared to confront every twist and turn of Pennsylvania's foreclosure process? \[fa icon="clock-o"\] Wednesday, July 10, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [pennsylvania foreclosure defense](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/bid/302214/Free-Offer-Download-the-Pennsylvania-Foreclosure-Timeline) ## [Infographic: 5 Year Anniversary, 5,000 Homeowners Helped](https://blog.amerihopealliance.com/blog/bid/302440/Infographic-5-Year-Anniversary-5-000-Homeowners-Helped) In 5 years, Amerihope Alliance Legal Services has accomplished a LOT. We have completed over 5,000 loan modifications for our clients, stopped countless foreclosures. Many homeowners are back on their feet because they chose to retain the foreclosure defense lawyers at our firm. Click through to see the graphic. ![Foreclosure Lawyers](https://blog.amerihopealliance.com/hs-fs/file-216624490-png/images/infographic.png?width=600&height=1450&name=infographic.png) \[fa icon="clock-o"\] Monday, July 8, 2013 \[fa icon="user"\] [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](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/bid/302440/Infographic-5-Year-Anniversary-5-000-Homeowners-Helped) ## [5 Year Anniversary: Employee Submissions!](https://blog.amerihopealliance.com/blog/bid/302434/5-Year-Anniversary-Employee-Submissions) [![](https://blog.amerihopealliance.com/hs-fs/file-216112099-png/images/shoe.png)](https://blog.amerihopealliance.com/blog/bid/302434/5-Year-Anniversary-Employee-Submissions) To celebrate our 5 year anniversary, we ran a contest in the office. Employees were invited to submit a poem, story, song or picture. Here are our winners! ## Winner: Ruth Gross There was a nice woman Who lived in a shoe, She had so many bills, She didn't know what to do. She went to Amerihope With her fears and her dreams, And with a smile and some work, They saved her home that sat by a stream. Her family is now happy And is able to cope. She said, "Thank you Lord, For sending me to Amerihope" She then kissed all her children And made sure they were fed And when they were done, She tucked them all in bed. ## Runner Up: Joe Mizzell ## Amerihope Mod Song \[fa icon="clock-o"\] Friday, July 5, 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), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/bid/302434/5-Year-Anniversary-Employee-Submissions) ## [Free Offer: Download the Illinois Foreclosure Timeline](https://blog.amerihopealliance.com/blog/bid/302184/Free-Offer-Download-the-Illinois-Foreclosure-Timeline) [![](https://blog.amerihopealliance.com/hs-fs/file-51658911-jpg/images/IL-foreclosure-attorney-map.jpg)](https://blog.amerihopealliance.com/blog/bid/302184/Free-Offer-Download-the-Illinois-Foreclosure-Timeline) - Do you know what's the first step to take after receiving a foreclosure notice? - Do you know how long the foreclosure process takes in Illinois? - Do you know what to expect from the foreclosure process?  If you answered “no” to any of these questions, then you should invest 2 minutes into downloading the Illinois foreclosure timeline, especially if you are at risk for foreclosure or if you are already within the foreclosure process. \[fa icon="clock-o"\] Wednesday, July 3, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [illinois foreclosure lawyer](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer) [Read More »](https://blog.amerihopealliance.com/blog/bid/302184/Free-Offer-Download-the-Illinois-Foreclosure-Timeline) ## [Homeowner Bill of Rights: a Win/Win for Homeowners](https://blog.amerihopealliance.com/blog/bid/301500/Homeowner-Bill-of-Rights-a-Win-Win-for-Homeowners) # Every Homeowner In Your State Deserves a Homeowner Bill of Rights. Here's Why. ![Banks Should Have To Fight Fair Against Homeowners](https://blog.amerihopealliance.com/hs-fs/file-210695460-jpg/images/small__2870137723.jpg)California was once one of the worst places to experience foreclosure, but now it is a model state for giving homeowners a a fair shake against their mortgage lenders. One single piece of legislation is responsible for this change; that legislation is the Homeowner Bill of Rights. California's Homeowner Bill of Rights formally took effect at the beginning of 2013. According to the California Attorney General's Office, the Bill of Rights "ensures fair lending and borrowing practices for California homeowners... these laws are designed to guarantee fairness and transparency for homeowners within the foreclosure process." \[fa icon="clock-o"\] Monday, July 1, 2013 \[fa icon="user"\] [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](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/bid/301500/Homeowner-Bill-of-Rights-a-Win-Win-for-Homeowners) ## [BOA Makes Up Own Requirements for Deed in Lieu of FHA Backed Loan](https://blog.amerihopealliance.com/blog/bid/301377/BOA-Makes-Up-Own-Requirements-for-Deed-in-Lieu-of-FHA-Backed-Loan) **By Alex J. Pearlberg, Esq.** ![BOA whistle](https://blog.amerihopealliance.com/hs-fs/file-209199073-jpg/images/boa-whistle.jpg?width=337&height=224&name=boa-whistle.jpg) So imagine you are behind in your FHA- backed mortgage, the property is way upside-down and you wish to exercise all of your loss mitigation options. As the homeowner, you have submitted all of the documents required by the servicer on your loan. Bank of America (BOA) and you have been denied for a [HAMP loan modification](https://blog.amerihopealliance.com/blog/bid/300236/5-Myths-About-HAMP-Loan-Modifications). You have had the property listed for sale for over nine (9) months and have yet to receive an offer at anywhere close to the market value, much less the balance on the loan. BOA has sent numerous letters indicating there may be other alternatives, including a deed in lieu of foreclosure and monetary help in relocating. After thinking long and hard, you have decided to give up your homestead and surrender the property to the lender by way of a deed in lieu. One problem: BOA now indicates that “due to recent changes in FHA guidelines you must submit and proceed through the BOA short sale process and department.” \[fa icon="clock-o"\] Friday, June 28, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [bank of america loan modification problems](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification-problems), [bank of america foreclosure](https://blog.amerihopealliance.com/blog/topic/bank-of-america-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/bid/301377/BOA-Makes-Up-Own-Requirements-for-Deed-in-Lieu-of-FHA-Backed-Loan) ## [Law Firm's Unique Strategy Helps Obtain Over 5,000 Loan Modifications](https://blog.amerihopealliance.com/blog/bid/300723/Law-Firm-s-Unique-Strategy-Helps-Obtain-Over-5-000-Loan-Modifications) [![](http://ww1.prweb.com/prfiles/2013/06/14/10833147/gI_89865_All%20our%20friends.jpg)](https://blog.amerihopealliance.com/blog/bid/300723/Law-Firm-s-Unique-Strategy-Helps-Obtain-Over-5-000-Loan-Modifications) **For Immediate Release** - Plantation, FL - June 18, 2013 Law firm Amerihope Alliance Legal Services masters the art of foreclosure defense, helping over 5,000 homeowners expands its reach to helping homeowners in five judicial states. Amerihope Alliance Legal Services, located in Plantation, Florida, started out as a law firm dedicated to helping Florida's homeowners fight foreclosure against the banks. During the last several years due to their vast experience in the judicial foreclosure process they have added four additional judicial states: New York, New Jersey, Pennsylvania and Illinois. As of June 2013, over 5,000 (five thousand) loan modifications have been completed by Amerihope Alliance Legal Services. 5,000? What is their secret? \[fa icon="clock-o"\] Wednesday, June 26, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/bid/300723/Law-Firm-s-Unique-Strategy-Helps-Obtain-Over-5-000-Loan-Modifications) ## [What is the Cost of Foreclosure Defense?](https://blog.amerihopealliance.com/blog/bid/298915/What-is-the-Cost-of-Foreclosure-Defense) [![](https://blog.amerihopealliance.com/hs-fs/file-202859321-jpg/images/medium_2959833537.jpg)](https://blog.amerihopealliance.com/blog/bid/298915/What-is-the-Cost-of-Foreclosure-Defense) For most facing foreclosure either now or in the future, something has changed in their lives that is already causing more than enough stress without any help from the looming loss of their home. Many find that their change in circumstances leaves them unable to make monthly mortgage payments, and they face foreclosure simply because they don’t know what they need to do or how to go about it. When you interview lawyers to help keep your home, you might feel lost. What should be the cost of foreclosure defense? \[fa icon="clock-o"\] Friday, June 21, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [pennsylvania foreclosure defense](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense), [illinois foreclosure lawyer](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [new york foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney) [Read More »](https://blog.amerihopealliance.com/blog/bid/298915/What-is-the-Cost-of-Foreclosure-Defense) ## [Troubled Florida Homeowners Deserve Foreclosure Consultations](https://blog.amerihopealliance.com/blog/bid/298882/Troubled-Florida-Homeowners-Deserve-Foreclosure-Consultations) [![](https://blog.amerihopealliance.com/hs-fs/file-70884184-jpg/images/small_3442974917.jpg)](https://blog.amerihopealliance.com/blog/bid/298882/Troubled-Florida-Homeowners-Deserve-Foreclosure-Consultations) Regardless of the opinions of cable news stations, the average homeowner knows that the real estate recovery is moving at a snail's pace. The overall slow economy and high unemployment numbers figure strongly into this equation, and states that were hit the hardest by this perfect storm are taking the longest to recover. Florida, being one of these states, is still struggling with record home foreclosure rates. If you are a homeowner trying to stay afloat in Florida, foreclosure consultation may be your life preserver. ## Leave Nothing to Chance Let's be honest for a moment: this is your home, your sanctuary, the place where you relax with your family, your real-world expression of the American dream, and you are at risk of losing it. \[fa icon="clock-o"\] Wednesday, June 19, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/bid/298882/Troubled-Florida-Homeowners-Deserve-Foreclosure-Consultations) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/17) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/jake-sterling/page/19) ### 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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