---
title: Foreclosure Stereotypes Are Not Accurate
description: Stereotypes about homeowners facing foreclosure miss the fact that most of them want to pay their mortgage but have experienced a hardship.
image: https://blog.amerihopealliance.com/hubfs/Lazy-630584-edited.jpg
---

[![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

## Foreclosure Stereotypes Are Not Accurate

\[fa icon="clock-o"\] Friday, October 16, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure)

![Homeowners at risk of foreclosure have usually experienced a serious hardship.](https://blog.amerihopealliance.com/hs-fs/hubfs/Lazy-630584-edited.jpg?width=400&height=266&name=Lazy-630584-edited.jpg "Homeowners at risk of foreclosure have usually experienced a serious hardship.")Some might assume that [foreclosure](https://blog.amerihopealliance.com/blog/how-do-i-find-out-if-im-in-foreclosure) happens primarily to irresponsible people who have **low income** and education, and are in a position to lose their home because of their own bad life choices and **laziness**. While some people experiencing foreclosure might fit that description, it's wise to remember **what your mother told you about assuming**: it makes something undesirable out of 'u' and 'me'.

Foreclosures do happen in neighborhoods of **lower socioeconomic status**, to homes that are modest in appearance and value. There are some homeowners who can **only blame themselves** for the sorry state they find themselves in. There are those who've lost their homes due to uncontrolled spending on things like diamond-encrusted jewelry, scratch-off lottery tickets, or perhaps even diamond-encrusted scratch off tickets. But are these types of situations the norm, or is there more to the foreclosure story than what a snap judgment leads us to believe?

Take a closer look and you will see that there are often **multiple factors converging and contributing to foreclosure**. In fact, most homeowners are trying to be responsible and cope with, and adjust to [difficult circumstances](https://blog.amerihopealliance.com/blog/why-you-should-write-a-loan-modification-hardship-letter).

## Does foreclosure only affect poor people?

**Foreclosure affects anyone and everyone** who falls behind on their mortgage payments. Even wealthy [celebrities](https://blog.amerihopealliance.com/blog/you-wont-believe-which-celebrities-have-experienced-foreclosure) (really, really wealthy celebrities) who have earned **hundreds of millions of dollars** in their careers have had homes foreclosed for a variety of reasons. Some simply spent too much money. Others received bad financial advice, or had money stolen from them by people they trusted. And, of course, many of them have experienced the same kinds of hardships that the unwashed masses have. When the rich fall behind on their mortgage payments, they hear from their lender the same way regular people do.

Since **people of any income level can lose their home**, homes of all values in all neighborhoods, can be foreclosed. Everything from mansions in Beverly Hills to the single-family homes of the middle class can be affected. Therefore, we can say definitively that foreclosure is not a problem that only affects poor people.

## Real Reasons for foreclosure:

- **![Loss of income is one of the major factors contibuting to foreclosure.](https://blog.amerihopealliance.com/hs-fs/hubfs/Wallet.jpg?width=270&height=179&name=Wallet.jpg "Loss of income is one of the major factors contibuting to foreclosure.")Job loss.** Unless you have an employment contract, in most states **you can lose your job at any time for any reason**. People can be laid off despite doing their job exceptionally well. Companies go out of business, restructure, or change in ways no one employee can control. Accountants and janitors, and secretaries and bankers can all find themselves suddenly unemployed, but their **mortgage payment will stay the same**. Monthly mortgage loan payments don't get suspended or reduced until you can find another job. If somebody loses their income suddenly, they may want to sell their house, but find that it's not possible because the home is worth less than they owe. Even in a best case scenario, selling a home takes months. Loss of income can make things very serious, very quickly, and is a significant contributor to foreclosure.
- **Illness.** Suffering from a health problem can put you on the hook for mind-boggling sums of money. If having to pay those medical bills weren't bad enough, the issue that caused those bills may also have prevented you from working, resulting in lost income.
- **Death in the family.** Losing a member of the family is not only difficult emotionally, but also financially. If the person who died was the one bringing home a significant income, their loss may mean that the family can no longer afford its mortgage payment.
- **Unexpected maintenance expense.** As a homeowner, when something breaks you have to pay to have it fixed yourself. There's no landlord to call, and it's impossible to predict what will break and when. When something goes wrong that must be fixed and is expensive it can cause a homeowner to fall behind on their mortgage payments.
- **![Divorce can put major stress on the former couple's finances and even result in foreclosure.](https://blog.amerihopealliance.com/hs-fs/hubfs/Divorce.jpg?width=250&height=235&name=Divorce.jpg "Divorce can put major stress on the former couple's finances and even result in foreclosure.")Divorce.** Roughly half of all marriages end in divorce, but no one gets married thinking that they will get divorced. Married couples combine their finances and take out loans for a home accordingly. When they [separate](http://www.nolo.com/legal-encyclopedia/foreclosure-divorce.html), the home is often not affordable for just one of them and, if they can't sell it, trouble ensues.

**Foreclosure happens to people of all income levels**, in all types of neighborhoods, for [all types of reasons](https://blog.amerihopealliance.com/blog/bad-lending-are-you-being-taken-advantage-of). It's easy to assume negative things about people who are experiencing foreclosure and make judgments about their character. Not only are broad generalizations and stereotypes offensive, they are often factually incorrect. You wouldn't want to paint any race, nationality, or religious group with one brush. And you wouldn't want to do it to people who are experiencing, or are in danger of experiencing foreclosure. Homeowners who've experienced tremendous hardship know that **some things happen that can't be predicted or controlled**.

Most homeowners find themselves unable to pay their monthly mortgage payment not because of irresponsible spending on luxury items, but because of unexpected medical bills, loss of income, divorce, or a death in the family. Anyone in that situation should think about [retaining an attorney](https://blog.amerihopealliance.com/blog/why-hire-a-foreclosure-attorney) experienced in foreclosure defense who can help them understand what options are available. Loans can be modified, and agreements can be reached that make the best out of bad circumstances.

[![Download a Personal Budget Worksheet](https://no-cache.hubspot.com/cta/default/161513/ec7905c5-fe2b-4f18-afa2-aa8152e837a2.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ec7905c5-fe2b-4f18-afa2-aa8152e837a2)

*Image courtesy of Witthaya Phonsawat, graur razvan, and Stuart Miles at FreeDigitalPhotos.net*

 

- [Tweet](https://twitter.com/share)

![Maxwell Swinney](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-397888097.jpg?width=100&height=100&name=file-397888097.jpg)

#### Written by [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)

### 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/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/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/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

- [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)
- [loan modification success (43)](https://blog.amerihopealliance.com/blog/topic/loan-modification-success)
- [wells fargo loan modification (43)](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification)
- [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)
- [florida foreclosure defense (26)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense)
- [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)
- [florida foreclosure attorney (20)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney)
- [loan modification lawyer (20)](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer)
- [illinois foreclosure lawyer (19)](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer)
- [new jersey foreclosure attorney (19)](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney)
- [hamp loan modification (18)](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification)
- [seterus loan modification (18)](https://blog.amerihopealliance.com/blog/topic/seterus-loan-modification)
- [mr cooper loan modification (17)](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification)
- [understanding credit (17)](https://blog.amerihopealliance.com/blog/topic/understanding-credit)
- [ditech loan modification (16)](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification)
- [life after foreclosure (16)](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure)
- [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)
- [bayview loan modification (14)](https://blog.amerihopealliance.com/blog/topic/bayview-loan-modification)
- [loan modification denied (14)](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied)
- [housing market (13)](https://blog.amerihopealliance.com/blog/topic/housing-market)
- [lenders (13)](https://blog.amerihopealliance.com/blog/topic/lenders)
- [loan care loan modification (13)](https://blog.amerihopealliance.com/blog/topic/loan-care-loan-modification)
- [PNC loan modification success (12)](https://blog.amerihopealliance.com/blog/topic/pnc-loan-modification-success)
- [florida foreclosure laws (12)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws)
- [foreclosure defense attorney new jersey (12)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey)
- [Rushmore loan modification (11)](https://blog.amerihopealliance.com/blog/topic/rushmore-loan-modification)
- [new jersey foreclosure process (11)](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process)
- [pennsylvania foreclosure defense (11)](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense)
- [short sale (11)](https://blog.amerihopealliance.com/blog/topic/short-sale)
- [bank of america loan modification problems (10)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification-problems)
- [chase loan modification (10)](https://blog.amerihopealliance.com/blog/topic/chase-loan-modification)
- [chase loan modifications (10)](https://blog.amerihopealliance.com/blog/topic/chase-loan-modifications)
- [citi loan modification (10)](https://blog.amerihopealliance.com/blog/topic/citi-loan-modification)
- [foreclosure deficiency (10)](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency)
- [mortgage modification (10)](https://blog.amerihopealliance.com/blog/topic/mortgage-modification)
- [shellpoint loan modification (10)](https://blog.amerihopealliance.com/blog/topic/shellpoint-loan-modification)
- [foreclosure grief (9)](https://blog.amerihopealliance.com/blog/topic/foreclosure-grief)
- [mortgage (9)](https://blog.amerihopealliance.com/blog/topic/mortgage)
- [prolong foreclosure (9)](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure)
- [us bank loan modification (9)](https://blog.amerihopealliance.com/blog/topic/us-bank-loan-modification)
- [bank of america foreclosure (8)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-foreclosure)
- [foreclosure process in new york (8)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-new-york)
- [freedom mortgage loan modification (8)](https://blog.amerihopealliance.com/blog/topic/freedom-mortgage-loan-modification)
- [loan modification scams in Florida (8)](https://blog.amerihopealliance.com/blog/topic/loan-modification-scams-in-florida)
- [penny mac loan modification (8)](https://blog.amerihopealliance.com/blog/topic/penny-mac-loan-modification)
- [selene loan modification (8)](https://blog.amerihopealliance.com/blog/topic/selene-loan-modification)
- [avoiding foreclosure (7)](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure)
- [cenlar loan modification (7)](https://blog.amerihopealliance.com/blog/topic/cenlar-loan-modification)
- [florida foreclosure process (7)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process)
- [foreclosure fraud (7)](https://blog.amerihopealliance.com/blog/topic/foreclosure-fraud)
- [m&t bank loan modification (7)](https://blog.amerihopealliance.com/blog/topic/mt-bank-loan-modification)
- [mortgage shopping, (7)](https://blog.amerihopealliance.com/blog/topic/mortgage-shopping)
- [timeshare cancellation (7)](https://blog.amerihopealliance.com/blog/topic/timeshare-cancellation)
- [ditech loan modification success (6)](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification-success)
- [financial worksheet for loan modification (6)](https://blog.amerihopealliance.com/blog/topic/financial-worksheet-for-loan-modification)
- [foreclosure crisis (6)](https://blog.amerihopealliance.com/blog/topic/foreclosure-crisis)
- [hurricane irma (6)](https://blog.amerihopealliance.com/blog/topic/hurricane-irma)
- [mortgage servicers (6)](https://blog.amerihopealliance.com/blog/topic/mortgage-servicers)
- [phh loan modification (6)](https://blog.amerihopealliance.com/blog/topic/phh-loan-modification)
- [roundpoint loan modification (6)](https://blog.amerihopealliance.com/blog/topic/roundpoint-loan-modification)
- [trial modification (6)](https://blog.amerihopealliance.com/blog/topic/trial-modification)
- [debt collections harassment (5)](https://blog.amerihopealliance.com/blog/topic/debt-collections-harassment)
- [deficiency judgment (5)](https://blog.amerihopealliance.com/blog/topic/deficiency-judgment)
- [foreclosure process in florida (5)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-florida)
- [i have a foreclosure sale date (5)](https://blog.amerihopealliance.com/blog/topic/i-have-a-foreclosure-sale-date)
- [mortgage servicing (5)](https://blog.amerihopealliance.com/blog/topic/mortgage-servicing)
- [summons and complaint (5)](https://blog.amerihopealliance.com/blog/topic/summons-and-complaint)
- [asc loan modification (4)](https://blog.amerihopealliance.com/blog/topic/asc-loan-modification)
- [deed in lieu of foreclosure (4)](https://blog.amerihopealliance.com/blog/topic/deed-in-lieu-of-foreclosure)
- [final judgment (4)](https://blog.amerihopealliance.com/blog/topic/final-judgment)
- [forbearance (4)](https://blog.amerihopealliance.com/blog/topic/forbearance)
- [foreclosure lawsuit (4)](https://blog.amerihopealliance.com/blog/topic/foreclosure-lawsuit)
- [foreclosure process in illinois (4)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-illinois)
- [loan modification application (4)](https://blog.amerihopealliance.com/blog/topic/loan-modification-application)
- [negative equity (4)](https://blog.amerihopealliance.com/blog/topic/negative-equity)
- [normal servicing (4)](https://blog.amerihopealliance.com/blog/topic/normal-servicing)
- [personal finance (4)](https://blog.amerihopealliance.com/blog/topic/personal-finance)
- [phfa loan modification (4)](https://blog.amerihopealliance.com/blog/topic/phfa-loan-modification)
- [principal reduction (4)](https://blog.amerihopealliance.com/blog/topic/principal-reduction)
- [refinance (4)](https://blog.amerihopealliance.com/blog/topic/refinance)
- [sps repayment plan (4)](https://blog.amerihopealliance.com/blog/topic/sps-repayment-plan)
- [stop foreclosure in florida (4)](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure-in-florida)
- [suntrust loan modification (4)](https://blog.amerihopealliance.com/blog/topic/suntrust-loan-modification)
- [write a hardship letter (4)](https://blog.amerihopealliance.com/blog/topic/write-a-hardship-letter)
- [Bankruptcy (3)](https://blog.amerihopealliance.com/blog/topic/bankruptcy)
- [Buying a home after foreclosure (3)](https://blog.amerihopealliance.com/blog/topic/buying-a-home-after-foreclosure)
- [CFPB (3)](https://blog.amerihopealliance.com/blog/topic/cfpb)
- [HUD (3)](https://blog.amerihopealliance.com/blog/topic/hud)
- [bb&t loan modification (3)](https://blog.amerihopealliance.com/blog/topic/bbt-loan-modification)
- [bsi loan modification success (3)](https://blog.amerihopealliance.com/blog/topic/bsi-loan-modification-success)
- [capital one loan modifications (3)](https://blog.amerihopealliance.com/blog/topic/capital-one-loan-modifications)
- [debt settlement (3)](https://blog.amerihopealliance.com/blog/topic/debt-settlement)
- [default judgment (3)](https://blog.amerihopealliance.com/blog/topic/default-judgment)
- [dual-tracking (3)](https://blog.amerihopealliance.com/blog/topic/dual-tracking)
- [fay servicing loan modification (3)](https://blog.amerihopealliance.com/blog/topic/fay-servicing-loan-modification)
- [flagstar loan modification (3)](https://blog.amerihopealliance.com/blog/topic/flagstar-loan-modification)
- [foreclosure fees (3)](https://blog.amerihopealliance.com/blog/topic/foreclosure-fees)
- [lawyer (3)](https://blog.amerihopealliance.com/blog/topic/lawyer)
- [loan modification financial worksheet (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-financial-worksheet)
- [loan modification fraud (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-fraud)
- [loan modification terms (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-terms)
- [massachusetts foreclosure lawyer (3)](https://blog.amerihopealliance.com/blog/topic/massachusetts-foreclosure-lawyer)
- [mortgage abuse (3)](https://blog.amerihopealliance.com/blog/topic/mortgage-abuse)
- [mortgage debt (3)](https://blog.amerihopealliance.com/blog/topic/mortgage-debt)
- [news (3)](https://blog.amerihopealliance.com/blog/topic/news)
- [Florida statue of limitations (2)](https://blog.amerihopealliance.com/blog/topic/florida-statue-of-limitations)
- [Greentree loan modification (2)](https://blog.amerihopealliance.com/blog/topic/greentree-loan-modification)
- [affirmative defense (2)](https://blog.amerihopealliance.com/blog/topic/affirmative-defense)
- [consent to foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/consent-to-foreclosure)
- [coronavirus (2)](https://blog.amerihopealliance.com/blog/topic/coronavirus)
- [covid19 (2)](https://blog.amerihopealliance.com/blog/topic/covid19)
- [dos donts of foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/dos-donts-of-foreclosure)
- [fha (2)](https://blog.amerihopealliance.com/blog/topic/fha)
- [fifth third bank loan modification (2)](https://blog.amerihopealliance.com/blog/topic/fifth-third-bank-loan-modification)
- [florida foreclosure bill (2)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-bill)
- [foreclosure auction (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-auction)
- [foreclosure glossary (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-glossary)
- [foreclosure moratorium (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-moratorium)
- [free house (2)](https://blog.amerihopealliance.com/blog/topic/free-house)
- [gregory funding loan modification (2)](https://blog.amerihopealliance.com/blog/topic/gregory-funding-loan-modification)
- [hardest hit (2)](https://blog.amerihopealliance.com/blog/topic/hardest-hit)
- [hardship (2)](https://blog.amerihopealliance.com/blog/topic/hardship)
- [hardship letter (2)](https://blog.amerihopealliance.com/blog/topic/hardship-letter)
- [home point loan modification (2)](https://blog.amerihopealliance.com/blog/topic/home-point-loan-modification)
- [hsbc loan modification (2)](https://blog.amerihopealliance.com/blog/topic/hsbc-loan-modification)
- [hurricane (2)](https://blog.amerihopealliance.com/blog/topic/hurricane)
- [judicial default judgment (2)](https://blog.amerihopealliance.com/blog/topic/judicial-default-judgment)
- [lakeview loan servicing loan modification (2)](https://blog.amerihopealliance.com/blog/topic/lakeview-loan-servicing-loan-modification)
- [law firm awards (2)](https://blog.amerihopealliance.com/blog/topic/law-firm-awards)
- [legal aid (2)](https://blog.amerihopealliance.com/blog/topic/legal-aid)
- [loan modification cost (2)](https://blog.amerihopealliance.com/blog/topic/loan-modification-cost)
- [mortgage assistance (2)](https://blog.amerihopealliance.com/blog/topic/mortgage-assistance)
- [notice of default (2)](https://blog.amerihopealliance.com/blog/topic/notice-of-default)
- [predatory lending (2)](https://blog.amerihopealliance.com/blog/topic/predatory-lending)
- [pro se litigation (2)](https://blog.amerihopealliance.com/blog/topic/pro-se-litigation)
- [regions bank loan modification (2)](https://blog.amerihopealliance.com/blog/topic/regions-bank-loan-modification)
- [reinstatement (2)](https://blog.amerihopealliance.com/blog/topic/reinstatement)
- [retirement (2)](https://blog.amerihopealliance.com/blog/topic/retirement)
- [reverse mortgage (2)](https://blog.amerihopealliance.com/blog/topic/reverse-mortgage)
- [stearns loan care loan modification (2)](https://blog.amerihopealliance.com/blog/topic/stearns-loan-care-loan-modification)
- [unclean hands (2)](https://blog.amerihopealliance.com/blog/topic/unclean-hands)
- [underwater (2)](https://blog.amerihopealliance.com/blog/topic/underwater)
- [wells fargo (2)](https://blog.amerihopealliance.com/blog/topic/wells-fargo)
- [writ of possession (2)](https://blog.amerihopealliance.com/blog/topic/writ-of-possession)
- [zombie foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/zombie-foreclosure)
- [21st Mortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/21st-mortgage-loan-modification)
- [Abandoned Homes (1)](https://blog.amerihopealliance.com/blog/topic/abandoned-homes)
- [Excessive Overdraft Fees (1)](https://blog.amerihopealliance.com/blog/topic/excessive-overdraft-fees)
- [FCI Lenders Services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/fci-lenders-services-loan-modification)
- [FHFA (1)](https://blog.amerihopealliance.com/blog/topic/fhfa)
- [HAFA (1)](https://blog.amerihopealliance.com/blog/topic/hafa)
- [HOA Foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/hoa-foreclosure)
- [Hardest Hit Fund (1)](https://blog.amerihopealliance.com/blog/topic/hardest-hit-fund)
- [Homebridge Financial Services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/homebridge-financial-services-loan-modification)
- [Mortgage Forgiveness Debt Relief Act (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-forgiveness-debt-relief-act)
- [Ocwen (1)](https://blog.amerihopealliance.com/blog/topic/ocwen)
- [Superstorm Sandy (1)](https://blog.amerihopealliance.com/blog/topic/superstorm-sandy)
- [act 91 notice (1)](https://blog.amerihopealliance.com/blog/topic/act-91-notice)
- [amc loan modification (1)](https://blog.amerihopealliance.com/blog/topic/amc-loan-modification)
- [auction (1)](https://blog.amerihopealliance.com/blog/topic/auction)
- [bitcoin (1)](https://blog.amerihopealliance.com/blog/topic/bitcoin)
- [citibank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/citibank-loan-modification)
- [citimortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/citimortgage-loan-modification)
- [class action lawsuit (1)](https://blog.amerihopealliance.com/blog/topic/class-action-lawsuit)
- [complete application scam (1)](https://blog.amerihopealliance.com/blog/topic/complete-application-scam)
- [conciliation conference (1)](https://blog.amerihopealliance.com/blog/topic/conciliation-conference)
- [connecticut foreclosure defense (1)](https://blog.amerihopealliance.com/blog/topic/connecticut-foreclosure-defense)
- [consent order (1)](https://blog.amerihopealliance.com/blog/topic/consent-order)
- [credit cards (1)](https://blog.amerihopealliance.com/blog/topic/credit-cards)
- [deferment (1)](https://blog.amerihopealliance.com/blog/topic/deferment)
- [divorce and foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/divorce-and-foreclosure)
- [email (1)](https://blog.amerihopealliance.com/blog/topic/email)
- [fannie mae (1)](https://blog.amerihopealliance.com/blog/topic/fannie-mae)
- [fci loan modification (1)](https://blog.amerihopealliance.com/blog/topic/fci-loan-modification)
- [fema (1)](https://blog.amerihopealliance.com/blog/topic/fema)
- [financial crisis (1)](https://blog.amerihopealliance.com/blog/topic/financial-crisis)
- [first national bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/first-national-bank-loan-modification)
- [flex modification (1)](https://blog.amerihopealliance.com/blog/topic/flex-modification)
- [force-placed insurance (1)](https://blog.amerihopealliance.com/blog/topic/force-placed-insurance)
- [foreclosure documents (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-documents)
- [foreclosure pets (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-pets)
- [foreclosure trial (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-trial)
- [government shutdown (1)](https://blog.amerihopealliance.com/blog/topic/government-shutdown)
- [guaranteed rate loan modification (1)](https://blog.amerihopealliance.com/blog/topic/guaranteed-rate-loan-modification)
- [heloc (1)](https://blog.amerihopealliance.com/blog/topic/heloc)
- [home bridge financial services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/home-bridge-financial-services-loan-modification)
- [home loan investment bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/home-loan-investment-bank-loan-modification)
- [housing (1)](https://blog.amerihopealliance.com/blog/topic/housing)
- [housing bubble (1)](https://blog.amerihopealliance.com/blog/topic/housing-bubble)
- [in-house loan modification (1)](https://blog.amerihopealliance.com/blog/topic/in-house-loan-modification)
- [income tax (1)](https://blog.amerihopealliance.com/blog/topic/income-tax)
- [investment property (1)](https://blog.amerihopealliance.com/blog/topic/investment-property)
- [judicial or clerk's default (1)](https://blog.amerihopealliance.com/blog/topic/judicial-or-clerks-default)
- [leprechaun (1)](https://blog.amerihopealliance.com/blog/topic/leprechaun)
- [lien (1)](https://blog.amerihopealliance.com/blog/topic/lien)
- [loan modification process in florida (1)](https://blog.amerihopealliance.com/blog/topic/loan-modification-process-in-florida)
- [loancare loan modification (1)](https://blog.amerihopealliance.com/blog/topic/loancare-loan-modification)
- [m&t babk (1)](https://blog.amerihopealliance.com/blog/topic/mt-babk)
- [mediation (1)](https://blog.amerihopealliance.com/blog/topic/mediation)
- [mgc mortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/mgc-mortgage-loan-modification)
- [mortgage examination (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-examination)
- [mortgage investor (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-investor)
- [mortgage rates (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-rates)
- [mr. cooper (1)](https://blog.amerihopealliance.com/blog/topic/mr-cooper)
- [ocwen foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/ocwen-foreclosure)
- [pacific union finance loan modification success (1)](https://blog.amerihopealliance.com/blog/topic/pacific-union-finance-loan-modification-success)
- [partial claim (1)](https://blog.amerihopealliance.com/blog/topic/partial-claim)
- [pennsylvania housing finance agency (1)](https://blog.amerihopealliance.com/blog/topic/pennsylvania-housing-finance-agency)
- [pennymac loan modification (1)](https://blog.amerihopealliance.com/blog/topic/pennymac-loan-modification)
- [probate (1)](https://blog.amerihopealliance.com/blog/topic/probate)
- [quiet title (1)](https://blog.amerihopealliance.com/blog/topic/quiet-title)
- [quitclaim deed (1)](https://blog.amerihopealliance.com/blog/topic/quitclaim-deed)
- [recession (1)](https://blog.amerihopealliance.com/blog/topic/recession)
- [remodification (1)](https://blog.amerihopealliance.com/blog/topic/remodification)
- [reverse mortgage foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/reverse-mortgage-foreclosure)
- [second mortgage modification (1)](https://blog.amerihopealliance.com/blog/topic/second-mortgage-modification)
- [selling your timeshare (1)](https://blog.amerihopealliance.com/blog/topic/selling-your-timeshare)
- [settlement conference (1)](https://blog.amerihopealliance.com/blog/topic/settlement-conference)
- [sheriff's sale (1)](https://blog.amerihopealliance.com/blog/topic/sheriffs-sale)
- [stearns lending loan modification (1)](https://blog.amerihopealliance.com/blog/topic/stearns-lending-loan-modification)
- [stock trading (1)](https://blog.amerihopealliance.com/blog/topic/stock-trading)
- [strategic default (1)](https://blog.amerihopealliance.com/blog/topic/strategic-default)
- [sunwest loan modification (1)](https://blog.amerihopealliance.com/blog/topic/sunwest-loan-modification)
- [tax foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/tax-foreclosure)
- [td bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/td-bank-loan-modification)
- [thanksgiving (1)](https://blog.amerihopealliance.com/blog/topic/thanksgiving)
- [the big short (1)](https://blog.amerihopealliance.com/blog/topic/the-big-short)
- [timeshare (1)](https://blog.amerihopealliance.com/blog/topic/timeshare)
- [timeshare fraud (1)](https://blog.amerihopealliance.com/blog/topic/timeshare-fraud)
- [trumark financial loan modification (1)](https://blog.amerihopealliance.com/blog/topic/trumark-financial-loan-modification)
- [unknown foreclosure defendants (1)](https://blog.amerihopealliance.com/blog/topic/unknown-foreclosure-defendants)
- [what is a case management conference (1)](https://blog.amerihopealliance.com/blog/topic/what-is-a-case-management-conference)

see all

[![Quick Foreclosure Quiz](https://no-cache.hubspot.com/cta/default/161513/5a1cfa41-2f25-4042-be8d-84677e3a244d.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/5a1cfa41-2f25-4042-be8d-84677e3a244d)

### Foreclosure Process Handbook

<http://www.youtube.com/user/amerihopealliance><https://www.facebook.com/180030708454><https://www.instagram.com/amerihope><https://www.linkedin.com/company/994057><https://twitter.com/Amerihope>

### Sitemap

- [About](https://www.amerihopealliance.com/about_us)
- [Case Results](https://legal.amerihopealliance.com/case-results)
- [Free Consultation](https://www.amerihopealliance.com/free_consultation)
- [Blog](https://blog.amerihopealliance.com)
- [Client Login](https://www.amerihopealliance.com/client_login)

### Subscribe

[![Do You Need To Hire A Foreclosure Attorney? Take Our 2-Minute Quiz](https://no-cache.hubspot.com/cta/default/161513/ceb8a341-537c-4129-a97d-da85fc0868ce.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ceb8a341-537c-4129-a97d-da85fc0868ce)

### Recent Posts

## Contact Us

### Call (877) 882-5338

### Fax: (954) 919-6337

### View our Office Locations

<https://www.facebook.com/Amerihope/> <https://twitter.com/Amerihope> <https://www.instagram.com/amerihope> <https://www.linkedin.com/company/994057>

Copyright 2008 - 2026 | Amerihope Alliance Legal Services

[Privacy Policy](https://amerihopealliance.com/privacy) | [Terms of Service](https://amerihopealliance.com/terms) | [Site Map](https://amerihopealliance.com/sitemap) | [Glossary](https://amerihopealliance.com/glossary.php) | [Contact Us](https://amerihopealliance.com/contact_us)

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. This web site is designed for general information only. The facts and law in each case are different. We cannot and do not represent or guarantee a specific result in any given case. See our About Us page for our qualifications and experience.