---
title: Foreclosure and Loan Modification Blog | Maxwell Swinney
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/)

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# Foreclosure and Loan Modification Blog

- [Blog](https://blog.amerihopealliance.com/blog)
- Foreclosure and Loan Modification Blog

## Maxwell Swinney

## Recent Posts

## [What Fees Are You Charged in Foreclosure?](https://blog.amerihopealliance.com/blog/what-fees-are-you-charged-in-foreclosure-0)

[![](https://blog.amerihopealliance.com/hubfs/images/MoneyEye.jpg)](https://blog.amerihopealliance.com/blog/what-fees-are-you-charged-in-foreclosure-0)

As if falling behind on your mortgage payments and being at risk of **losing your home to foreclosure** wasn't bad enough, **it also costs you extra money in the form of fees**, which make it even harder to get your mortgage back on track.

Being charged fees for not having enough money to pay your mortgage can feel like **adding insult to injury**. You didn't have enough money to pay the regular mortgage payments, now they add fees to that! Wonderful.

Unpleasant as it is, **there's no getting around incurring some fees when you default on your mortgage**. Your mortgage contract states that you will be charged fees in the event that you do not pay your mortgage in full and on time.

The amount of your missed payments, which include **principal, interest, taxes and insurance**, will make up most of the money you owe after defaulting, but the fees are nothing to sneeze at. Let's look at what some of them are.

\[fa icon="clock-o"\] Thursday, May 22, 2025  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure defense attorney](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney), [foreclosure fees](https://blog.amerihopealliance.com/blog/topic/foreclosure-fees) 

[Read More »](https://blog.amerihopealliance.com/blog/what-fees-are-you-charged-in-foreclosure-0)

## [🏆🏆Our Awards for Results and Customer Service🏆🏆](https://blog.amerihopealliance.com/blog/amerihope-alliance-legal-services-recognized-with-numerous-awards)

[![](https://blog.amerihopealliance.com/hubfs/Awards/2020-client-champion-award.jpg)](https://blog.amerihopealliance.com/blog/amerihope-alliance-legal-services-recognized-with-numerous-awards)

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.

\[fa icon="clock-o"\] Thursday, July 9, 2020  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [law firm awards](https://blog.amerihopealliance.com/blog/topic/law-firm-awards), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) 

[Read More »](https://blog.amerihopealliance.com/blog/amerihope-alliance-legal-services-recognized-with-numerous-awards)

## [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint)

[![](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg)](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint)

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.

\[fa icon="clock-o"\] Tuesday, December 3, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [summons and complaint](https://blog.amerihopealliance.com/blog/topic/summons-and-complaint) 

[Read More »](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint)

## [Successful Loan Modification Roundup Week of 2/11/19](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-2/11/19)

[![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_FreedomMortgage5.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-2/11/19)

*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](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). 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!

\[fa icon="clock-o"\] Friday, February 15, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [sps loan modification](https://blog.amerihopealliance.com/blog/topic/sps-loan-modification), [shellpoint loan modification](https://blog.amerihopealliance.com/blog/topic/shellpoint-loan-modification), [freedom mortgage loan modification](https://blog.amerihopealliance.com/blog/topic/freedom-mortgage-loan-modification), [flagstar loan modification](https://blog.amerihopealliance.com/blog/topic/flagstar-loan-modification), [loan modification success](https://blog.amerihopealliance.com/blog/topic/loan-modification-success) 

[Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-2/11/19)

## [When Should You File Bankruptcy To Avoid Foreclosure?](https://blog.amerihopealliance.com/blog/when-should-you-file-bankruptcy-to-avoid-foreclosure)

[![](https://blog.amerihopealliance.com/hubfs/images/Weight-369273-edited.jpg)](https://blog.amerihopealliance.com/blog/when-should-you-file-bankruptcy-to-avoid-foreclosure)

**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.

\[fa icon="clock-o"\] Saturday, February 9, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [Bankruptcy](https://blog.amerihopealliance.com/blog/topic/bankruptcy), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) 

[Read More »](https://blog.amerihopealliance.com/blog/when-should-you-file-bankruptcy-to-avoid-foreclosure)

## [Successful Loan Modification Roundup Week of 2/4/19](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-2/4/19)

[![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_LoanCare7.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-2/4/19)

*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](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). 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! 

\[fa icon="clock-o"\] Friday, February 8, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [ocwen loan modification](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification), [loan care loan modification](https://blog.amerihopealliance.com/blog/topic/loan-care-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-2/4/19)

## [Successful Loan Modification Roundup Week of 1/28/19](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/28/19)

[![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Ocwen22.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/28/19)

*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](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). 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!

\[fa icon="clock-o"\] Friday, February 1, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [ocwen loan modification](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification), [us bank loan modification](https://blog.amerihopealliance.com/blog/topic/us-bank-loan-modification), [cenlar loan modification](https://blog.amerihopealliance.com/blog/topic/cenlar-loan-modification), [chase loan modification](https://blog.amerihopealliance.com/blog/topic/chase-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/28/19)

## [3 Things Tony Soprano Can Teach You About Getting A Loan Modification](https://blog.amerihopealliance.com/blog/3-things-tony-soprano-can-teach-you-about-getting-a-loan-modification)

[![](https://blog.amerihopealliance.com/hubfs/images/TonySoprano5-1.png)](https://blog.amerihopealliance.com/blog/3-things-tony-soprano-can-teach-you-about-getting-a-loan-modification)

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:

\[fa icon="clock-o"\] Saturday, January 26, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/3-things-tony-soprano-can-teach-you-about-getting-a-loan-modification)

## [Successful Loan Modification Roundup Week of 1/21/19](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/25/19)

[![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Fay2.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/25/19)

*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](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). 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!

\[fa icon="clock-o"\] Friday, January 25, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [chase loan modification](https://blog.amerihopealliance.com/blog/topic/chase-loan-modification), [fay servicing loan modification](https://blog.amerihopealliance.com/blog/topic/fay-servicing-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/25/19)

## [Successful Loan Modification Roundup Week of 1/18/19](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/18/19)

[![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_WellsFargo7.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/18/19)

*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](https://twitter.com/hashtag/loanmodwow?f=tweets&vertical=default) (#loanmodwow) or [Facebook](http://www.facebook.com/amerihope). 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!

\[fa icon="clock-o"\] Friday, January 18, 2019  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [wells fargo loan modification](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [ocwen loan modification](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification), [mr cooper loan modification](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification), [sunwest loan modification](https://blog.amerihopealliance.com/blog/topic/sunwest-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-1/18/19)

[All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/maxwell-swinney/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.

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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)

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