--- title: Foreclosure and Loan Modification Blog | Maxwell Swinney (8) description: Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (8) --- [![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 ## [3 Tips For Selling Your Timeshare](https://blog.amerihopealliance.com/blog/3-tips-for-selling-your-timeshare) [![](https://blog.amerihopealliance.com/hubfs/images/Sold.jpg)](https://blog.amerihopealliance.com/blog/3-tips-for-selling-your-timeshare) **Have you fallen out of love with your timeshare?** Are the maintenance fees too high and ever-increasing? Do you think it was a **mistake** to purchase your timeshare in the first place? If you answered yes to those questions, **you may want to sell your timeshare**. You're definitely not alone in wanting to do that. According to some data, the vast majority of people who've purchased a timeshare regret doing so. So, how do you go about selling your timeshare? Here are some tips to get you started: ## 1. Contact the resort developer, management company, or owner's association. **You are probably not the first person at your resort to decide that buying a timeshare was a mistake.** Management at the resort likely will have dealt with quite a few people in your situation before. They may have a resale program, or a website or an email newsletter for people like you to **list their timeshares for sale**. They should be able to give you some useful information. \[fa icon="clock-o"\] Tuesday, May 15, 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), [timeshare](https://blog.amerihopealliance.com/blog/topic/timeshare), [selling your timeshare](https://blog.amerihopealliance.com/blog/topic/selling-your-timeshare) [Read More »](https://blog.amerihopealliance.com/blog/3-tips-for-selling-your-timeshare) ## [Successful Loan Modification Roundup Week of 5/11/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5/11/18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_PennyMac3.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5/11/18) *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, SLS, Rushmore: ## PennyMac Success! Our PennyMac client was in active foreclosure and at risk of losing his home after falling $27,292.78 past due on his mortgage. But we just got him approved for a 3 month trial loan modification plan with $476.19 cheaper monthly payment! \[fa icon="clock-o"\] Saturday, May 12, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [sls loan modification](https://blog.amerihopealliance.com/blog/topic/sls-loan-modification), [Rushmore loan modification](https://blog.amerihopealliance.com/blog/topic/rushmore-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-5/11/18) ## [Successful Loan Modification Roundup Week of 5/4/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5-4-18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Rushmore5.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5-4-18) *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 PHFA, Shellpoint, Ocwen, Rushmore, and Trinity Financial Services: ## Rushmore Our Rushmore client was 62 months and $120,007.45 past due on his mortgage, but we helped him get a final loan modification with $40,557.35 principal forgiven and a fresh start! \[fa icon="clock-o"\] Friday, May 4, 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), [shellpoint loan modification](https://blog.amerihopealliance.com/blog/topic/shellpoint-loan-modification), [Rushmore loan modification](https://blog.amerihopealliance.com/blog/topic/rushmore-loan-modification), [loan modification success](https://blog.amerihopealliance.com/blog/topic/loan-modification-success), [phfa loan modification](https://blog.amerihopealliance.com/blog/topic/phfa-loan-modification), [second mortgage modification](https://blog.amerihopealliance.com/blog/topic/second-mortgage-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-5-4-18) ## [Successful Loan Modification Roundup Week of 4/27/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4-27-18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_MrCooper2.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4-27-18) *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, SPS, Carrington, Bayview, and Mr Cooper: ## Caliber Our Caliber client was 22 months and $54,285+ past due on his mortgage, but we got him a 3 month in-house trial loan modification plan with $336.12 monthly savings! ## SPS Our SPS client was $72,921.88 past due on his mortgage and had a sale date set, but we helped him get a repayment plan that will allow him to keep his home! Our SPS clients had a May 30th foreclosure sale date scheduled, but we helped them get a repayment plan that stops the foreclosure sale! After the repayment period, they will have the opportunity for a loan modification. \[fa icon="clock-o"\] Friday, April 27, 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), [sps loan modification](https://blog.amerihopealliance.com/blog/topic/sps-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), [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) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4-27-18) ## [IL Couple Keeps Home AFTER It Was Sold In Foreclosure Auction](https://blog.amerihopealliance.com/blog/il-couple-keeps-home-after-it-was-sold-in-foreclosure-auction) [![](https://blog.amerihopealliance.com/hubfs/images/Rescue-811352-edited.jpg)](https://blog.amerihopealliance.com/blog/il-couple-keeps-home-after-it-was-sold-in-foreclosure-auction) In December of 2017 we were **hired by homeowners in Williamson County, Illinois** who needed help keeping their home. To protect their privacy, I'll call them the **Taylors**. Unlike most of our clients who want to avoid foreclosure and/or get a loan modification, **the Taylors had already lost their home in a foreclosure auction** and didn't want a loan mod. Wait a minute. If they'd already lost their home, why in the world did they hire a law firm to help them save it? Because a foreclosure sale isn't necessarily the point of no return in foreclosure. There are ways for a homeowner to get their house back even after it has been sold. There's something called a **right of redemption**, which is: *“the right of a debtor whose real property has been foreclosed upon and sold to reclaim that property if they are able to come up with the money to repay the amount of the debt.” * \[fa icon="clock-o"\] Saturday, April 21, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure auction](https://blog.amerihopealliance.com/blog/topic/foreclosure-auction) [Read More »](https://blog.amerihopealliance.com/blog/il-couple-keeps-home-after-it-was-sold-in-foreclosure-auction) ## [Successful Loan Modification Roundup Week of 4/20/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4/20/18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_PennyMac2.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4/20/18) *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, US Bank, M&T Bank, Mr Cooper, and Carrington: ## PennyMac Our PennyMac client was $11,376 past due on mortgage, but we helped him get a three month trial loan modification with $480.86 cheaper monthly payment! \[fa icon="clock-o"\] Friday, April 20, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [m&t bank loan modification](https://blog.amerihopealliance.com/blog/topic/mt-bank-loan-modification), [us bank loan modification](https://blog.amerihopealliance.com/blog/topic/us-bank-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), [mr cooper loan modification](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4/20/18) ## [How Do You Find The Right Lawyer To Cancel Your Timeshare?](https://blog.amerihopealliance.com/blog/how-do-you-find-the-right-lawyer-to-cancel-your-timeshare) [![](https://blog.amerihopealliance.com/hubfs/images/Search-359425-edited.jpg)](https://blog.amerihopealliance.com/blog/how-do-you-find-the-right-lawyer-to-cancel-your-timeshare) Deciding that **you want to cancel your timeshare** contract is an important decision, but actually making it happen is another matter. You may have no idea where to start. One thing is for sure: **just wishing to be out of your timeshare isn't going to make it happen**. There's an old saying that goes *“you can wish in one hand and sh\*t in the other.”* You've got to actually **take action** to get out of your timeshare. Timeshare contracts are **legally binding** and getting out of them can be complex and time-consuming. Doing it in the wrong way could have serious negative consequences, including **damaging your credit score**. You may be able to get out of your timeshare on your own, but **hiring an attorney to help you cancel your timeshare would be better**.  For something so important, you don't want just any lawyer. Like doctors, **lawyers to to focus their practice in a specific area**. You wouldn't want to hire a criminal defense attorney to cancel your timeshare contract any more than you would want an orthopedic surgeon to remove your tonsils. You want a lawyer with **relevant experience who charges a fair fee and is honest**. To help you find that attorney, here are some things you can do: \[fa icon="clock-o"\] Tuesday, April 17, 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-find-the-right-lawyer-to-cancel-your-timeshare) ## [Successful Loan Modification Roundup Week of 4/13/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4/13/18) [![](https://blog.amerihopealliance.com/hubfs/images/SLM_SPS5.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4/13/18) *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 Ocwen and SPS: ## Ocwen Our Ocwen client was 6 months and $4,606.10 past due on her mortgage, but we helped her get a 3 month in-house trial loan modification with $14.43 monthly savings! \[fa icon="clock-o"\] Friday, April 13, 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), [sps loan modification](https://blog.amerihopealliance.com/blog/topic/sps-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-4/13/18) ## [Successful Loan Modification Roundup Week of 4/6/18](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4-6-18) [![](https://blog.amerihopealliance.com/hubfs/SLM/SLM_Chase4.png)](https://blog.amerihopealliance.com/blog/successful-loan-modification-roundup-week-of-4-6-18) *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 Chase, Mr Cooper, Wells Fargo: ## Chase Our Chase client was 9 months and $11,572 past due on his mortgage payments, but we got him a three month in-house trial loan modification plan with $298.86 monthly savings! \[fa icon="clock-o"\] Friday, April 6, 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), [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), [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-4-6-18) ## [It's Time To Get Your Taxes Done (And Save Your Home)](https://blog.amerihopealliance.com/blog/time-to-get-your-taxes-done-and-save-your-home) [![](https://blog.amerihopealliance.com/hubfs/images/Tax1.jpg)](https://blog.amerihopealliance.com/blog/time-to-get-your-taxes-done-and-save-your-home) Ben Franklin said the only two certainties in life are **death and taxes**. Certain to happen, sure, but when? Death row inmates aside, we don't know when we'll die. But the day our income taxes are due is known. Normally it's April 15. That's a Sunday this year, so the government has set **Monday April 17** as the deadline to file income tax returns. You have to file income taxes with the federal government every year unless you meet the requirements to be exempt. **If you owe money to the IRS and don't pay, they will charge you interest and even pursue criminal charges**. Just **ask Wesley Snipes**, he went to prison for two and a half years over tax issues.  \[fa icon="clock-o"\] Sunday, April 1, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [bank of america foreclosure](https://blog.amerihopealliance.com/blog/topic/bank-of-america-foreclosure), [income tax](https://blog.amerihopealliance.com/blog/topic/income-tax) [Read More »](https://blog.amerihopealliance.com/blog/time-to-get-your-taxes-done-and-save-your-home) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/author/maxwell-swinney/page/7) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/author/maxwell-swinney/page/9) ### 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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