Amerihope Alliance Legal Services, which focuses on providing foreclosure defense and loan modification assistance, is proud to have accepted numerous awards for providing excellent service to our clients over the last 12 years.
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When your bank serves you with a foreclosure complaint for not paying your mortgage, you have a right to answer it and deny its charges, which you should.
You should also include something called affirmative defenses in your response to the complaint because they are a vital part of a good foreclosure defense strategy.
What Is An Affirmative Defense?
An affirmative defense in a civil lawsuit is a fact that defeats or mitigates the consequences of a charge. For example, in a foreclosure complaint the plaintiff will charge that you haven't been paying your mortgage and they're entitled to foreclose because of that. An affirmative defense wouldn't deny that (though the answer probably would), but it would basically say that it doesn't matter for some reason, like the plaintiff doesn't have the right to foreclose.
Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.
Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Freedom Mortgage, Flagstar Mortgage, Shellpoint Mortgage, and SPS:
Freedom Mortgage
After falling $43,594.86 and 28 months past due on her mortgage, we helped our Freedom Mortgage client get a three month Ginnie Mae trial loan modification plan with a fresh start!
Bankruptcy could help you delay foreclosure or avoid it entirely. So, if you're facing foreclosure, does that mean that you need to file bankruptcy? And if so, when?
There are ways to deal with your mortgage default that don't involve bankruptcy, some of which may be better. Whether or not bankruptcy is right for you depends on what other options are available to you and how close you are to losing your home.
If you've just defaulted, you probably have time to work toward a solution that doesn't involve bankruptcy. But if you've been served with foreclosure papers (in a judicial foreclosure state), have a sale date in the near future, and no other options, then bankruptcy could be right for you.
Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.
Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Loan Care and Ocwen:
Loan Care
After falling 12 months and $11,047 past due on his mortgage payments, we helped our Loan Care client get a fresh start with a final FHA loan modification and new 30-year term!
Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.
Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Ocwen, Cenlar, Chase, and US Bank:
Ocwen
Yes! Our Ocwen clients were $7,024.07 past due on their mortgage, but we helped them get a permanent loan modification with $160.79 cheaper monthly payment and incredible $28,553.86 in principal forgiven!
Fans of the crime drama television series The Sopranos recently celebrated the 20th anniversary of the show's debut, which is considered by many to be the best TV show of all time.
The lead character of the show, Tony Soprano (played by James Gandolfini), is not exactly someone you'd want to model your life after, unless you like constantly trying to avoid being murdered or going to prison.
But there are some positive things you can learn from this fictional mob boss that could help you get a loan modification and avoid foreclosure, such as:
Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.
Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Chase and Fay Servicing:
Chase
Our Chase client was 31 months and $36,362.24 + fees past due on his mortgage, but we helped him get a 3 month FHA-HAMP trial loan modification plan with a fresh start!
Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.
Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Wells Fargo, Ocwen, Mr. Cooper, and Sunwest:
Wells Fargo
Our Wells Fargo clients were 7 months and $18,095 past due on their mortgage, but we helped them get a final in-house loan modification with $161.10 monthly savings and $53,919.62 deferment!
If you're like most people, you probably get more junk email than you know what to do with.
That's a big problem when it becomes hard to sort through all the messages you don't care about to find the really important emails, like those from your lawyer.
When you hire a lawyer, it's because you need help with an issue that you can't handle on your own. When your attorney sends you an email, it's not just to say hi. It's because they either need to tell you about a development in your case or ask you for something they can't get without you.
