---
title: "Free Loan Modifications - Part 3: Are Hope Now and NACA Your Best Choices?"
description: Are free loan modification organizations like Hope Now and NACA really helping homeowners? Can they help you in the same way that a foreclosure defense lawyer can? Those answers and more inside.
image: https://blog.amerihopealliance.com/hs-fs/file-271042780-jpg/images/no-follow-through.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

## Free Loan Modifications - Part 3: Are Hope Now and NACA Your Best Choices?

\[fa icon="clock-o"\] Monday, August 19, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help)

*This is the final installment in a three part series about free loan modifications. You can read Part 1:[Free Loan Modifications: Hope Now](https://blog.amerihopealliance.com/blog/free-loan-modifications-hope-now) and [Part 2: Free Loan Modifications: NACA Know How?](https://blog.amerihopealliance.com/blog/free-loan-modifications-part-2-naca-know-how)*

In Brief:

- Hope Now, NACA, and other free loan modification services have helped thousands of homeowners.
- There are 3 main drawbacks to these free services.
- These companies can't help you the way a foreclosure defense attorney can.

## **Are Homeowners Being helped by Free Loan Modification Programs Hope Now and NACA?**

While they certainly aren't solving our country's financial woes, Hope Now, NACA, and other free loan modification organizations have put a small dent in the amount of foreclosures in the United States. Thousands of homeowners have been helped thanks to the counseling services, seminars, and informational campaigns that these organizations have provided. 

## **What are the 3 Drawbacks to these Free Loan Modification Assistance Services?**

There are three main drawbacks to free loan modification assistance programs such as Hope Now and NACA.

**![Drawback #1: No Follow Through](https://blog.amerihopealliance.com/hs-fs/file-271042780-jpg/images/no-follow-through.jpg?width=349&name=no-follow-through.jpg)1. No Follow-Through**

One of the biggest complaints about NACA and Hope Now is that they don't always follow completely through with offering assistance to homeowners. Many homeowners have been disappointed because they haven't received the help they were promised, or because representatives from these organizations have left them hanging.

A common complaint is that homeowners will come to a NACA or Hope Now event and will even work with counselors and bank representatives to find a loan modification solution, but will then never hear back from anyone. While this is unacceptable and completely frustrating to a homeowner, it also isn't too surprising, considering the size of these organizations and the scope of the foreclosure problem. 

 

**2. America is NOT One-Size-Fits-All**

Many people think that free loan modification organizations provide the exact same help as foreclosure defense law firms. Oftentimes, free organizations like NACA operate under the guise of offering help for any and every American homeowner, but then shy away from helping with cases that can't be solved with their standard one-size-fits-all operating procedure. This is because it's simply not cost-effective for these organizations to offer highly individualized help to each client, so Hope Now, NACA, and other free assistance organizations generally offer a one-size-fits-all solution. This would work well if everyone's financial situation was exactly the same, but they're not. This is why homeowners receive better loan modifications from a [dedicated foreclosure defense law firm](https://blog.amerihopealliance.com/blog/bid/276670/Finding-a-Loan-Modification-Attorney) that will consider every client case-by-case, instead of on a one-size basis.

As soon as a client decides to retain (hire) a foreclosure defense law firm, the law firm will take the time to analyze each client's individual file, then will present the client with the best options for foreclosure defense. Some law firms also offer loan modification as an ancillary service to foreclosure defense, and will negotiate with a client's lender to create the best possible loan modification. Even though they aren't free like Hope Now or Naca, these firms do offer an [affordable pay structure](https://blog.amerihopealliance.com/blog/bid/298915/What-is-the-Cost-of-Foreclosure-Defense) for homeowners.

 

**3. NACA and Hope Now Alliance are Backed by the Big Banks**

Hope Now Alliance, NACA, and many of the other top free loan modification assistance programs are backed by the big banks, which means one thing for homeowners: the loan modifications they provide are in favor of the banks, not the homeowners. This is why the lenders themselves often recommend that troubled homeowners enroll in free loan modification programs. On the other hand, when a foreclosure defense law firm sits at the negotiation table with a bank, both the client and the bank are able to negotiate on equal terms. Foreclosure defense law firms have been known to obtain [incredible](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications) loan modifications for homeowners, thanks to this bargaining power.

 

**Don't Get Caught in the Trap!**

Many people take the advice of their friends, their realtors, and even their lenders and turn to free loan modification assistance programs for help, thinking that the help they will receive will be no better than what they'll get from a foreclosure defense law firm. Don't fall into this trap! While a free loan modification assistance program may be able to help you get a loan modification, **they won't be able to help you the way a foreclosure defense law firm can.**  The difference between free programs and foreclosure defense lawyers may mean the difference between paying tens of thousands extra on your mortgage. It's highly recommended that you consult with a foreclosure defense attorney before working with any "free" assistance program.

**Part 1 of 3: [Free Loan Modifications - Part 3: Are Hope Now and NACA Your Best Choices?](https://blog.amerihopealliance.com/blog/free-loan-modifications-hope-now)**  
**Part 2 of 3: [Free Loan Modifications - Part 2: NACA Know-How?](https://blog.amerihopealliance.com/blog/free-loan-modifications-part-2-naca-know-how)**

 

[![Do you need to hire a foreclosure attorney? Take the Quiz!](https://no-cache.hubspot.com/cta/default/161513/a307a2d5-28c0-46f7-a152-02791eb134af.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/a307a2d5-28c0-46f7-a152-02791eb134af)

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

![Jake Sterling](https://blog.amerihopealliance.com/hs-fs/file-397888097-jpg/images/A_logo.jpg?width=100&height=100&name=A_logo.jpg)

#### Written by [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)

Jake Sterling is Amerihope Alliance Legal Services' Homeowner Liaison. He helps to bring awareness and teach homeowners about foreclosure defense and options to save their homes.

[\[fa icon="facebook"\]](http://www.facebook.com/amerihope) [\[fa icon="twitter"\]](http://www.twitter.com/amerihope)

### 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.