---
title: Foreclosure and Loan Modification Blog | Kristen Clinton
description: Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications.
---

[![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)
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- [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

## Kristen Clinton

Find me on:

[\[fa icon="linkedin-square"\]](https://blog.amerihopealliance.com/blog/author/www.linkedin.com/pub/kristen-clinton/20/985/22a/) [\[fa icon="twitter-square"\]](http://www.twitter.com/transposia)

## Recent Posts

## [Announcing Our New Blog Design - Even Better on Mobile!](https://blog.amerihopealliance.com/blog/announcing-our-new-blog-design-even-better-on-mobile)

[![](https://developers.google.com/search/mobile-sites/imgs/mobile-seo/viewport.png)](https://blog.amerihopealliance.com/blog/announcing-our-new-blog-design-even-better-on-mobile)

Happy Friday!

We are proud to announce that we have updated the design of our blog. You should find it to be much easier to navigate on mobile.

\[fa icon="clock-o"\] Friday, August 17, 2018  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton) 

[Read More »](https://blog.amerihopealliance.com/blog/announcing-our-new-blog-design-even-better-on-mobile)

## [Hardship Letter Tips for a Successful Loan Modification](https://blog.amerihopealliance.com/blog/hardship-letter-tips-for-a-successful-loan-modification)

[![](https://blog.amerihopealliance.com/hubfs/Hardship%20Letter%20for%20Loan%20Modification.png)](https://blog.amerihopealliance.com/blog/hardship-letter-tips-for-a-successful-loan-modification)

If you are trying to obtain a [loan modification](https://amerihopealliance.com/loan_modification) or other loan workout plan, then your bank’s guidelines are going to require that you write a **hardship letter**.

\[fa icon="clock-o"\] Monday, July 23, 2018  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [write a hardship letter](https://blog.amerihopealliance.com/blog/topic/write-a-hardship-letter), [hardship letter](https://blog.amerihopealliance.com/blog/topic/hardship-letter) 

[Read More »](https://blog.amerihopealliance.com/blog/hardship-letter-tips-for-a-successful-loan-modification)

## [Greg Nordt, Esq. Speaks About Florida Foreclosures on Real Money with Ali Velshi](https://blog.amerihopealliance.com/blog/greg-nordt-speaks-about-florida-foreclosures-on-real-money-w-ali-velshi)

[![](https://blog.amerihopealliance.com/hs-fs/file-533575803-jpg/images/real-money-with-ali-velshi.jpg)](https://blog.amerihopealliance.com/blog/greg-nordt-speaks-about-florida-foreclosures-on-real-money-w-ali-velshi)

Our attorney Gregory Nordt, Esq. was featured lastnight on [Real Money with Ali Velshi](http://america.aljazeera.com/watch/shows/real-money-with-alivelshi/Real-Money-Blog/2014/2/19/florida-still-strugglingafterthehousingbust.html). Parts of Florida still have extremely high foreclosure rates topping the charts with New Jersey and New York.

\[fa icon="clock-o"\] Thursday, February 20, 2014  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/greg-nordt-speaks-about-florida-foreclosures-on-real-money-w-ali-velshi)

## [8 Ways a Homeowner Can Stop Foreclosure \[Slideshare\]](https://blog.amerihopealliance.com/blog/8-ways-a-homeowner-can-stop-foreclosure-slideshare)

[![](https://blog.amerihopealliance.com/hs-fs/file-401130638-png/images/ways-to-stop-foreclosure-cover.png)](https://blog.amerihopealliance.com/blog/8-ways-a-homeowner-can-stop-foreclosure-slideshare)

Learn 8 ways that homeowners can (or cannot) stop foreclosure. Does refinancing stop foreclosure? Does loan modification?

If you are facing foreclosure, it's important to learn about your situation and be prepared. 

Click through to see the slideshow.

 

\[fa icon="clock-o"\] Friday, December 6, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [stop foreclosure](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/8-ways-a-homeowner-can-stop-foreclosure-slideshare)

## [KAPOW! A Great Bank of America Loan Modification](https://blog.amerihopealliance.com/blog/kapow-a-great-bank-of-america-loan-modification)

[![](https://blog.amerihopealliance.com/hs-fs/file-377077180-jpg/images/bank-of-america-loan-mod.jpg)](https://blog.amerihopealliance.com/blog/kapow-a-great-bank-of-america-loan-modification)

Remember 2005? 2006? Remember the commercials on TV, and radio and everywhere telling you about the “cash rewards” and “cash out” refinances? So many Americans took advantage of these programs. Business was great, real estate was better.

Our client Dale, like thousands of other Americans, took advantage of one of these programs, and received cash out of his mortgage (and a 9.75% interest rate!) when he refinanced with Countrywide. In 2008, the Bank of America/Countrywide merger meant that Dale now had to deal with Bank of America.

\[fa icon="clock-o"\] Friday, November 8, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [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), [bank of america loan modification problems](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification-problems) 

[Read More »](https://blog.amerihopealliance.com/blog/kapow-a-great-bank-of-america-loan-modification)

## [A Day at the Races to Benefit the SPCA](https://blog.amerihopealliance.com/blog/a-day-at-the-races-to-benefit-the-spca)

[![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-364720640.jpg)](https://blog.amerihopealliance.com/blog/a-day-at-the-races-to-benefit-the-spca)

Sunday was a perfect day to spend at [Calder Race Course](http://www.calderracecourse.com/‎).  Breezy, sunny and a very comfortable 79 degrees. The best part was Amerihope Alliance Legal Services had the opportunity to sponsor a race for the SPCA horse rescue. Our law firm sponsored the 5th race and although none of us bet on the winning horse, Notalotatrouble, we all enjoyed the day and had lots of laughs.

\[fa icon="clock-o"\] Tuesday, October 29, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/a-day-at-the-races-to-benefit-the-spca)

## [Is a Short Sale a Good Idea?](https://blog.amerihopealliance.com/blog/bid/306139/Is-a-Short-Sale-a-Good-Idea)

![short sale statistics](https://blog.amerihopealliance.com/hs-fs/file-235854985-jpg/images/short_sale_statistics.jpg)

\[fa icon="clock-o"\] Wednesday, July 24, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [short sale](https://blog.amerihopealliance.com/blog/topic/short-sale) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/306139/Is-a-Short-Sale-a-Good-Idea)

## [6 Myths About HAMP Loan Modifications](https://blog.amerihopealliance.com/blog/bid/300236/5-Myths-About-HAMP-Loan-Modifications)

[![](https://blog.amerihopealliance.com/hs-fs/file-205096937-jpg/images/detective_dog_copy-resized-600.jpg)](https://blog.amerihopealliance.com/blog/bid/300236/5-Myths-About-HAMP-Loan-Modifications)

*Editor's note: This article was originally published June 2013, and has been updated in November 2015. Some reported facts are from 2012 and 2013, but HAMP information is current as of this date. *

In May 2013, the credit reporting agency [TransUnion](http://newsroom.transunion.com/press-releases/transunion-national-mortgage-loan-delinquency-rat-1014669#.UaN9vjekJ-R) reported that the percentage of mortgage holders with mortgages 60 days or more delinquent decreased 12% from the fourth quarter (Q4) of 2012 to 4.36% and a 21% drop from Q1 2013.  Both numbers represent the biggest declines since TransUnion started tracking mortgage delinquency data.

Nonetheless, too many homeowners continue to have difficulties making their mortgage payments each month and suffer financial hardship. Due to a lack of accurate information, a large number of these borrowers do not realize that they may be eligible for financial relief under the federal government’s [Making Home Affordable](http://www.federalreserve.gov/newsevents/press/bcreg/20090304a.htm) loan modification program.

Here are six of the most [misunderstood aspects](http://www.avvo.com/legal-guides/ugc/the-top-seven-myths-about-loan-modifications-separating-fact-from-fiction) about the Making Home Affordable Program.

\[fa icon="clock-o"\] Monday, June 24, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [HAMP](https://blog.amerihopealliance.com/blog/topic/hamp), [hamp loan modification](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/300236/5-Myths-About-HAMP-Loan-Modifications)

## [Facing The Foreclosure Process in Illinois? Don't Panic!](https://blog.amerihopealliance.com/blog/bid/294882/Facing-The-Foreclosure-Process-in-Illinois-Don-t-Panic)

[![](https://blog.amerihopealliance.com/hs-fs/file-52944572-jpg/images/illinois-map-cutout.jpg)](https://blog.amerihopealliance.com/blog/bid/294882/Facing-The-Foreclosure-Process-in-Illinois-Don-t-Panic)

So you've missed a payment on your Illinois home. Any number of a various set of circumstances has conspired to affect your income and consequently your ability to keep up with your obligations. You held it together as long as you could, but now the unthinkable has happened and you are late on your mortgage. You may feel alone, embarrassed, and quite afraid of being foreclosed upon. Well cheer up homeowner because you are not alone and there is no need to be embarrassed or fear the foreclosure process in Illinois.

Illinois is a judicial foreclosure state, which means that the foreclosure process in Illinois requires certain steps to be taken by your lender before they can take possession of your home. In other words, this means you have some time to fix this. If you're into legalese, you can read the entire statute [here](http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=073500050HArt.+XV&ActID=2017&ChapAct=735 ILCS 5/&ChapterID=56&ChapterName=CIVIL+PROCEDURE&SectionID=30830&SeqStart=104300000&SeqEnd=111300000&ActName=Code+of+Civil+Procedure.), however if you're just looking for some unbiased information and perhaps a little help for your situation, continue reading.

\[fa icon="clock-o"\] Wednesday, May 29, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [illinois foreclosure lawyer](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/294882/Facing-The-Foreclosure-Process-in-Illinois-Don-t-Panic)

## [Force-Placed Insurance: What To Look Out For And What To Do Next](https://blog.amerihopealliance.com/blog/bid/284834/Force-Placed-Insurance-What-To-Look-Out-For-And-What-To-Do-Next)

[![](https://blog.amerihopealliance.com/hs-fs/file-30107204-jpg/images/high-mortgage-payment.jpg)](https://blog.amerihopealliance.com/blog/bid/284834/Force-Placed-Insurance-What-To-Look-Out-For-And-What-To-Do-Next)

## What Is Force-Placed Insurance?

For home and condominium owners, the housing crisis brought a host of financial challenges, forcing many into or on the brink of foreclosure. Now, in addition to struggling with bank notices and loan modifications, the financial industry has added another compounding hardship for property owners: force-placed property insurance.

Force-placed property insurance has become something of a recent development arising out of the financial crisis. This is a mortgage or loan lender practice implemented mostly in states like [Florida](https://blog.amerihopealliance.com/blog/bid/281550/How-to-Stop-Foreclosure-in-Florida), New York, Pennsylvania, and New Jersey that were hit hardest by the housing crisis and were victims of recent natural disasters, like Hurricane Sandy. The property insurance required by the lender insures against natural disaster and human-inflicted damages.

\[fa icon="clock-o"\] Wednesday, April 17, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/284834/Force-Placed-Insurance-What-To-Look-Out-For-And-What-To-Do-Next)

[All posts](https://blog.amerihopealliance.com/blog/all)

### 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.

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[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

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Published November 6, 2013

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[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

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[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

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[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)
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- [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)
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- [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)
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- [new jersey foreclosure attorney (19)](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney)
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- [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)
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