Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 5,000 homeowners, here is one of their stories.
A Florida homeowner was having difficulty paying his monthly mortgage payment and was fearful of losing his home. His fear was well-founded, because he was nearly 1.5 years behind and over $52,000 past due on his monthly mortgage payments to Bank of America. This situation was further exasperated by the high cost of his monthly payment: nearly $3,400 monthly.
Learn How the Fair Debt Collection Practices Act Protects You From Harassment by Debt Collectors
Mortgage lenders and other debt collectors are well-known for harassing people with consistent, annoying phone calls and threatening messages. Most people don't know that there are laws in place to protect them from these phone calls. The Fair Debt Collection Practices Act (hereinafter referred to as “FDCPA") limits the timing and recurrence of phone calls from creditors, and also gives consumers the ability to opt out of debt collection calls with a simple cease-and-desist letter. It's disappointing that more people don't take advantage of these consumer protection laws.
Liberate Yourself From Foreclosure
The truth is that you have a good probability of successfully defending against foreclosure on your home. However, the majority of Pennsylvania residents do not fight to keep their homes. Why?
They do not believe that effective action can be taken to save their homes or avoid foreclosure. Pennsylvania homeowners have several foreclosure help options, which can improve the chances of staying in your home.
If you are on the verge of falling behind on your mortgage payments or have entered the foreclosure timeline, here are the most common foreclosure defense options to help you avoid foreclosure and deficiency judgment
Foreclosures broke records in the years following the 2007 subprime lending crash and housing market collapse. Many industry watchers used the word "crisis" to describe the rapid increase of foreclosures. Illinois is one of many states to try to address the problem with legislation to help protect struggling homeowners. While homeowners do have a better opportunity to stop foreclosure in Illinois with the new laws, as you might expect, there are complexities. Typically, a homeowner's best option is to hire an attorney experienced with foreclosure defense in Illinois.
Disclaimer: these results should not be construed as a guarantee, as each case is unique. We have helped over 5,000 homeowners, here is one of their stories.
A mature, single Florida homeowner was having difficulties making her mortgage payment, because of limited income from social security. She was even renting out one of her bedrooms. It just wasn't enough to make ends meet. When she retained our law firm, she hadn't paid her mortgage in over 10 months, she owed her lender—Nationstar Mortgage—over $8,000 dollars, and her home was in the foreclosure process. No foreclosure sale date had been set yet.
Pets Left Behind and Forgotten – Victims of Foreclosure
They can't speak for themselves: poor defenseless animals abandoned and left behind in foreclosed homes. It's a bigger issue than people realize, a serious consequence of the foreclosure nightmare.
Many homeowners do consider turning their pets into animal shelters, but due to overpopulation at many shelters, almost half of incoming animals are euthanized. Heartless homeowners sometimes leave pets in their abandoned homes without food or water, not to mention a non-temperature-controlled environment. Veterinarians say a dog or cat will become dehydrated within 24 hours without water and could die a slow, painful death within a few days.
Why or How Can Foreclosed Homeowners Abandon Pets?
- Do you know what to do after being served with a foreclosure notice?
- Do you understand how long foreclosure takes in Pennsylvania?
- Are you prepared to confront every twist and turn of Pennsylvania's foreclosure process?
In 5 years, Amerihope Alliance Legal Services has accomplished a LOT. We have completed over 5,000 loan modifications for our clients, stopped countless foreclosures. Many homeowners are back on their feet because they chose to retain the foreclosure defense lawyers at our firm.
Click through to see the graphic.
To celebrate our 5 year anniversary, we ran a contest in the office. Employees were invited to submit a poem, story, song or picture. Here are our winners!
Winner: Ruth Gross
There was a nice woman
Who lived in a shoe,
She had so many bills,
She didn't know what to do.
She went to Amerihope
With her fears and her dreams,
And with a smile and some work,
They saved her home that sat by a stream.
Her family is now happy
And is able to cope.
She said, "Thank you Lord,
For sending me to Amerihope"
She then kissed all her children
And made sure they were fed
And when they were done,
She tucked them all in bed.
Runner Up: Joe Mizzell
Amerihope Mod Song
- Do you know what's the first step to take after receiving a foreclosure notice?
- Do you know how long the foreclosure process takes in Illinois?
- Do you know what to expect from the foreclosure process?
If you answered “no” to any of these questions, then you should invest 2 minutes into downloading the Illinois foreclosure timeline, especially if you are at risk for foreclosure or if you are already within the foreclosure process.
