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.
In March 2015, we were retained to represent a Florida homeowner who was being sued by Dyck-O'neal to collect a post-foreclosure deficiency in the amount of $34,078.93 plus interest, costs, and attorney's fees. We won his case, and he owed nothing.
You are an attorney or you currently work or have worked for a bank and know their guidelines. You already know how many documents will you need to submit to your bank for a loan modification. **Free Amerihope Alliance Legal Services Document Checklist**
You know the general foreclosure laws and procedures in your state. For example in Florida, foreclosures are judicial, which means the lender must file a lawsuit in state court. The lender starts the foreclosure by filing a complaint with the court and having it served to the borrower, along with a summons. If you lose the case your house will be sold to satisfy the debt.
You don't need a foreclosure attorney to prove that the foreclosing party doesn't own your loan. In other words you know that your loan was bundled and securitized. Which means that in a process called securitization, your loan and other loans (includes both the promissory notes and the mortgages) with similar qualities are pooled, and then sold in the secondary market, often to a trust. Basically, securitization takes individual mortgage loans, bundles them into a package, and turns them into marketable securities (called “mortgage-backed securities”) that can be bought and sold. With that being said you believe you have a defense based on the fact that the foreclosing party can't prove that it owns your loan.
The first two definitions found on Dictionary.com are:
Here at Amerihope Alliance Legal Services we believe that treating our clients and others in the communities we service with the highest of ethics, professionalism, and sensitivity are very important. Which is why we are very proud to be honored with the 2015 Highest in Ethical Standards and Professional Excellence Award from The Legal Network. These awards are substantiated by the stellar reviews from thankful clients.
If you put down less than 20% when you purchased a home, you probably pay for private mortgage insurance (PMI) every month. Private mortgage insurance protects the lender in case you can't make your payments and the house is foreclosed on. But what happens if you paid 20% down? Surely, that proves that your loan is not a risky one for the lender. I mean you have shown that you have a significant financial stake in the property. Pay attention, Mortgage Watchdog says that 70% of existing escrow accounts violate federal law by holding excessive balances. According to the Federal Deposit Insurance Corporation (The FDIC is an independent agency of the federal government responsible for insuring deposits.) Home loan errors are costing Americans $8 billion to $10 billion each and every year.
Attorney at Law, Gregory M. Nordt, Esq. has reached another milestone – 20 years of service and experience in the field. He has been practicing foreclosure defense, banking/finance law, tax law, and IRS tax controversy since 1995. Mr. Nordt, along with his team at Amerihope Alliance Legal Services, invoke candor, integrity, and expertise whilst defending their clients. All with the common end goal of achieving the best possible outcomes.
“I, along with our entire team, am extremely proud of our attorney Greg Nordt, that he has reached this career milestone with such integrity," said Amerihope Alliance Legal Services Operations Manager Sherrill Clark. "We applaud Greg for his long standing commitment and passion." All cases are unique and Mr. Nordt treats all clients with the respect and care they deserve. From the start, Mr. Nordt fights alongside his clients to ensure the end goal is met.
“There are so many talented people I work with. For the last three years our Managing
Amerihope Alliance Legal Services managing attorney Gregory Nordt congratulates Florida Attorney General Pam Bondi who was re-elected to serve a second year term as Florida’s Chief Legal Officer. Attorney General Pam Bondi secured 55% of the vote with more than 5.6 million votes cast in the cabinet race.
Although the number of Americans behind two or more months on their mortgage payments have fallen below the 2 million mark for six consecutive months, an estimated 1.89 million borrowers had serious delinquencies of 60-days+ in August 2014, according to HOPE. It does not matter why you fell behind on your mortgage payments. Unless you negotiate otherwise, you will fall into default on your mortgage loan, which triggers the foreclosure process.
Our florida foreclosure lawyer, Gregory Nordt, Esq. was featured February 19, 2014 on Real Money with Ali Velshi. Basically, Ali Velshi's interviews, from top CEO's to small business store owners, shed light on the financial issues Americans face in their everyday lives, because let's be honest, financial issues are a big deal. This episode of Real Money dealt with something that hits really close to home, in the very literal sense, since Velshi addresses the very dreaded issue, FORECLOSURE, and underwater properties in Florida.
Florida has one of the highest rates of foreclosure in the country. The state has a foreclosure process that is judicial. The lender must file with the court to take possession of the property. If you're in foreclosure or in fear of foreclosure, there are several steps you can take to either prolong the process or stop foreclosure in Florida.
Defending your home against foreclosure in Florida can be complicated and scary. If you've been served foreclosure papers, chances are you're looking into foreclosure defense in Florida. Only a licensed foreclosure lawyer can help you stay in your home and discuss your foreclosure options. Keep a list of questions to ask your foreclosure defense lawyer. In the meantime, we'll let you know what you can expect in the foreclosure process:
30 Days past due: If you haven't paid your mortgage in at least 30 days, your lender may report this to the credit bureau. Your credit report is now showing a mortgage deficiency and chances are you will be served foreclosure papers in the future if you are unable to get in touch with your bank.
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.
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 at any time.
