--- title: Foreclosure and Loan Modification Blog | Maxwell Swinney (7) description: Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (7) --- [![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 ## Maxwell Swinney ## Recent Posts ## [Successful Loan Modification Roundup Week of 6/22/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-6/22/18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_LoanCare2.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-6/22/18) *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 Carrington: ## Loan Care Recent clients of our firm were 25 months and $24,996+ past due on their Loan Care mortgage, but we helped them get a 3 month FHA trial loan modification plan with cheaper monthly payment and a fresh start! \[fa icon="clock-o"\] Friday, June 22, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [carrington loan modification](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification), [loan care loan modification](https://blog.amerihopealliance.com/blog/topic/loan-care-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-6/22/18) ## [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) [![](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg)](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Owning a **timeshare can be so expensive** that, if you inherit one, you may want to **refuse to take it** by filing something called a **“disclaimer of interest”**. This may be a surprise because typically inheriting something is a good thing. That's not necessarily the case with timeshares because a significant amount of them are **basically worthless**. Even if you are bequeathed a timeshare that is totally paid off, you'll still have to pay **monthly maintenance fees** for as long as you have it. These maintenance fees can be **$700-$800 a month or more**. At $800 a month, you'll be paying **$9,600 a year** to use a timeshare for **one week a year**. Some deal. \[fa icon="clock-o"\] Monday, June 18, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [timeshare cancellation](https://blog.amerihopealliance.com/blog/topic/timeshare-cancellation) [Read More »](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) ## [Successful Loan Modification Roundup Week of 6/15/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-6/15/18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_WellsFargo6.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-6/15/18) *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 Bayview and Wells Fargo:  ## Wells Fargo Our Wells Fargo clients were 26 months and $56,544+ past due on their mortgage with a foreclosure sale scheduled, but we helped them get an FHA partial claim loan modification (their second) that lets them keep their home! \[fa icon="clock-o"\] Friday, June 15, 2018 \[fa icon="user"\] [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), [bayview loan modification](https://blog.amerihopealliance.com/blog/topic/bayview-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-6/15/18) ## [Successful Loan Modification Roundup Week of 6/8/18](https://blog.amerihopealliance.com/blog/successful-loan-modificatioin-roundup-week-of-6-8-18) [![](https://blog.amerihopealliance.com/hubfs/SLM_Caliber8.png)](https://blog.amerihopealliance.com/blog/successful-loan-modificatioin-roundup-week-of-6-8-18) *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 Caliber, BB&T, Fay Servicing, Mr. Cooper, Ocwen, and SLS: ## Caliber Our Caliber client has a three month trial loan modification plan with $99.86 cheaper monthly payment after falling more than 2 years and $48,731.75 past due on his mortgage! \[fa icon="clock-o"\] Sunday, June 10, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [ocwen loan modification](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification), [caliber loan modification](https://blog.amerihopealliance.com/blog/topic/caliber-loan-modification), [sls loan modification](https://blog.amerihopealliance.com/blog/topic/sls-loan-modification), [bb&t loan modification](https://blog.amerihopealliance.com/blog/topic/bbt-loan-modification), [loan modification success](https://blog.amerihopealliance.com/blog/topic/loan-modification-success), [mr cooper loan modification](https://blog.amerihopealliance.com/blog/topic/mr-cooper-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-modificatioin-roundup-week-of-6-8-18) ## [How Do You Write A Timeshare Rescission Letter?](https://blog.amerihopealliance.com/blog/how-do-you-write-a-timeshare-rescission-letter) [![](https://blog.amerihopealliance.com/hubfs/Tear-101453-edited.jpg)](https://blog.amerihopealliance.com/blog/how-do-you-write-a-timeshare-rescission-letter) Do you want to cancel your timeshare? If you're like most people who've purchased a timeshare, then the answer is yes. **85% of all people who buy a timeshare regret their purchase**. It's no wonder. **Timeshares are not a good investment**, the fees associated with them increase over time, and people often feel that they didn't have all the facts at the time they signed the contract. **Fortunately, there are ways out.** If you decide that purchasing a timeshare was a mistake soon after signing the contract, then you may be able to **rescind the contract**. If you can do that, then you will be out of your timeshare contract and should be refunded any money you spent. Like it never happened. # Step 1: Find out how long your rescission period lasts. The first thing you'll want to do is to **find out how long your rescission period is**. It ranges from **3 to 15 days** in most states, so you won't have a lot of time to spare even in the best circumstances. Look at your contract to find out how much time you have. \[fa icon="clock-o"\] Tuesday, June 5, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [timeshare cancellation](https://blog.amerihopealliance.com/blog/topic/timeshare-cancellation) [Read More »](https://blog.amerihopealliance.com/blog/how-do-you-write-a-timeshare-rescission-letter) ## [Should You Negotiate A Consent Order In Foreclosure?](https://blog.amerihopealliance.com/blog/should-you-negotiate-a-consent-order-in-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/images/Consent%20order-425340-edited.jpg)](https://blog.amerihopealliance.com/blog/should-you-negotiate-a-consent-order-in-foreclosure) Sometimes you have to give something up to get something else. That's the case for recent clients of our firm who agreed to a **consent order that involved them consenting to judgment** and withdrawing their contesting answer to the foreclosure complaint in exchange for getting more time before judgment was entered and avoiding a trial. A little background on foreclosures is required to explain what a consent order is. In judicial foreclosure states like Florida, New Jersey, New York, Pennsylvania, and Illinois, **a lender must sue a homeowner in a civil lawsuit in order to foreclose on their home**. If you're served a foreclosure summons and complaint, which starts the lawsuit, you have the right to answer it and **deny the bank's claims and raise your own defenses**. And you should, if you have any desire to keep your home. It can buy you a lot of time in your home, during which you can work toward a permanent solution. \[fa icon="clock-o"\] Monday, June 4, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [final judgment](https://blog.amerihopealliance.com/blog/topic/final-judgment), [consent order](https://blog.amerihopealliance.com/blog/topic/consent-order) [Read More »](https://blog.amerihopealliance.com/blog/should-you-negotiate-a-consent-order-in-foreclosure) ## [Successful Loan Modification Roundup Week of 6/1/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-6/1/18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_WellsFargo5.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-6/1/18) *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 Pacific Union Finance, Cenlar, Carrington, Wells Fargo, Bayview: ## Wells Fargo Our Wells Fargo client had a HAMP loan modification in 2011, but fell 7 months and $6,201.96 past due on her mortgage. We got her get an in-house loan modification with $220.68 cheaper monthly payment! \[fa icon="clock-o"\] Friday, June 1, 2018 \[fa icon="user"\] [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), [carrington loan modification](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification), [caliber loan modification](https://blog.amerihopealliance.com/blog/topic/caliber-loan-modification), [bayview loan modification](https://blog.amerihopealliance.com/blog/topic/bayview-loan-modification), [cenlar loan modification](https://blog.amerihopealliance.com/blog/topic/cenlar-loan-modification), [loan modification success](https://blog.amerihopealliance.com/blog/topic/loan-modification-success), [pacific union finance loan modification success](https://blog.amerihopealliance.com/blog/topic/pacific-union-finance-loan-modification-success) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-6/1/18) ## [It's Time to Get Ready for the 2018 Hurricane Season](https://blog.amerihopealliance.com/blog/its-time-to-get-ready-for-the-2018-hurricane-season) [![](https://blog.amerihopealliance.com/hubfs/images/2018Hurricane.jpg)](https://blog.amerihopealliance.com/blog/its-time-to-get-ready-for-the-2018-hurricane-season) 2017's Atlantic hurricane season was one of the strongest ever, with three Category 4 storms hitting the U.S. (**Irma in Florida, Maria in Puerto Rico, and Harvey in Texas)** causing billions of dollars in damage and thousands of deaths. Unfortunately, the **2018 Atlantic hurricane season**, which runs from June through November, is expected to be above average in terms of number and intensity of storms. As of this writing, two people have already died in flooding caused by tropical storm Alberto. For 2018, forecasters are predicting **14-18 named storms, 7 hurricanes, and 3 hurricanes of category 3 or higher**. So, it's a good idea to take all necessary precautions to protect you and your family's well-being and property from the effects of any storms that might come your way. The National Hurricane Center says that there are two keys to weather safety: 1. **Prepare for the risks.** 2. **Act on those preparations when alerted by emergency officials.** You can visit the [National Hurricane Center's website](https://www.nhc.noaa.gov/prepare/ready.php) to read all of their tips on safety during the hurricane season, but here are some of things to take into consideration as you prepare for potential storms. \[fa icon="clock-o"\] Friday, June 1, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [hurricane irma](https://blog.amerihopealliance.com/blog/topic/hurricane-irma), [hurricane](https://blog.amerihopealliance.com/blog/topic/hurricane) [Read More »](https://blog.amerihopealliance.com/blog/its-time-to-get-ready-for-the-2018-hurricane-season) ## [Successful Loan Modification Roundup Week of 5/25/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5/25/18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_HomeBridge.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5/25/18) *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 Home Bridge Financial Services and SPS: ## Home Bridge Financial Services Loan modification success! Our Home Bridge Financial Services clients in New York were one year and $29,031.13 past due on their mortgage and at risk of foreclosure, but we helped them get a final FHA loan modification with a fresh start. \[fa icon="clock-o"\] Friday, May 25, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [sps loan modification](https://blog.amerihopealliance.com/blog/topic/sps-loan-modification), [loan modification success](https://blog.amerihopealliance.com/blog/topic/loan-modification-success), [home bridge financial services loan modification](https://blog.amerihopealliance.com/blog/topic/home-bridge-financial-services-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5/25/18) ## [Successful Loan Modification Roundup Week of 5/18/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5/18/18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_PennyMac4.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5/18/18) *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 PennyMac, Loan Care, Carrington: ## PennyMac Our PennyMac client was 20 months and $16,424 past due on her mortgage, which had been modified in 2015. We helped her get a permanent FHA-HAMP loan modification with lower interest rate and a fresh start! \[fa icon="clock-o"\] Friday, May 18, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [carrington loan modification](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification), [loan care loan modification](https://blog.amerihopealliance.com/blog/topic/loan-care-loan-modification), [penny mac loan modification](https://blog.amerihopealliance.com/blog/topic/penny-mac-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-5/18/18) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/author/maxwell-swinney/page/6) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/maxwell-swinney/page/8) ### 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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