---
title: Foreclosure and Loan Modification Blog | foreclosure defense (10)
description: foreclosure defense | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (10)
---

[![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 
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ph: (877) 882-5338

# Foreclosure and Loan Modification Blog

- [Blog](https://blog.amerihopealliance.com/blog)
- Foreclosure and Loan Modification Blog

## [Loan Modification Success: Chase Principal Reduction and Payment Reduction](https://blog.amerihopealliance.com/blog/bid/306162/Loan-Modification-Success-Chase-Principal-Payment-Reduction)

[![](https://blog.amerihopealliance.com/hs-fs/file-301466815-jpg/images/We_Fought_Against_Chase-30000.jpg)](https://blog.amerihopealliance.com/blog/bid/306162/Loan-Modification-Success-Chase-Principal-Payment-Reduction)

*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.*

[The recession](http://en.wikipedia.org/wiki/Great_Recession) hit all of America hard, but many self-employed people felt the worst part of the recession. As soon as business dried up, not only was it hard to recover lost business, but it was also hard to re-enter the traditional workforce, since many self-employed people had not worked a corporate job for years.

That is exactly what happened to one homeowner who needed our help. He had been self-employed for quite some time, and was able to make it through the worst of the recession. However, business slowed and the homeowner ended up needing to seek out work to help support his growing family. He had just managed to secure a job when he came to us for help in late December 2012, but was already over 9 months behind on his [Chase mortgage](https://blog.amerihopealliance.com/blog/we-fought-the-law-and-we-won-attorneys-stopped-chase-foreclosure), and had been [served foreclosure](https://blog.amerihopealliance.com/blog/bid/287047/Will-Loan-Modification-Stop-Foreclosure) just a few weeks before.

\[fa icon="clock-o"\] Saturday, September 21, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/306162/Loan-Modification-Success-Chase-Principal-Payment-Reduction)

## [Our Lawyers Felled Green Tree Mortgage: a Foreclosure Defense Story](https://blog.amerihopealliance.com/blog/we-saved-this-homeowner-from-green-tree-mortgage)

[![](https://blog.amerihopealliance.com/hs-fs/file-309820531-jpg/images/small__1126096576.jpg)](https://blog.amerihopealliance.com/blog/we-saved-this-homeowner-from-green-tree-mortgage)

# We Saved This Homeowner From Green Tree Mortgage Servicing

The arms of the banks have no idea what the legs are doing, and it's turning into one disastrous dance for American homeowners.

Thousands of homeowners have lost their homes, and many others are still struggling with their mortgages today because of this disconnect; a disconnect that causes many homeowners to lose their homes. Homeowners are being held back the most by the extreme lack of communication between various departments of mortgage lenders. For example, many people who had successfully received loan modifications from their lenders were illegally confronted with foreclosure after cementing the terms of their loan modifications.

One of our clients faced three foreclosure sale dates [due to Green Tree Mortgage Servicing's disorganization](https://www.facebook.com/greentreeservicing), but our foreclosure defense lawyers intervened to force Green Tree mortgage to play by the rules. We enabled him to keep his home.

\[fa icon="clock-o"\] Wednesday, September 18, 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), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [Greentree loan modification](https://blog.amerihopealliance.com/blog/topic/greentree-loan-modification) 

[Read More »](https://blog.amerihopealliance.com/blog/we-saved-this-homeowner-from-green-tree-mortgage)

## [How Can I Stop Foreclosure Proceedings in Pennsylvania?](https://blog.amerihopealliance.com/blog/stop-foreclosure-proceedings-pennsylvania)

[![](https://blog.amerihopealliance.com/hs-fs/file-305798302-jpg/images/stop-foreclosure-sign.jpg)](https://blog.amerihopealliance.com/blog/stop-foreclosure-proceedings-pennsylvania)

It’s not uncommon for home owners to become anxious and overwhelmed when they incur financial problems that can prevent them from making their monthly mortgage payments. This can happen for any number of reasons: a loss of income, divorce, medical problems or other personal circumstances.

If you are having problems here are some things you can do to avoid [foreclosure proceedings in Pennsylvania](https://blog.amerihopealliance.com/blog/bid/294881/The-Pennsylvania-Foreclosure-Process). Start by clarifying the cause of your financial problems and why you are in foreclosure. Gather your documentation for your monthly income and expenses. You will need this information as you explore your options to try and find alternatives to foreclosure.

\[fa icon="clock-o"\] Monday, September 16, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [pennsylvania foreclosure defense](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense), [stop foreclosure](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure), [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/stop-foreclosure-proceedings-pennsylvania)

## [The Foreclosure Defense Process: Can You Avoid Being Served Foreclosure?](https://blog.amerihopealliance.com/blog/the-foreclosure-defense-process-can-you-avoid-being-served-foreclosure)

[![](https://blog.amerihopealliance.com/hs-fs/file-293806189-jpg/images/D-Fence-Sign.jpg)](https://blog.amerihopealliance.com/blog/the-foreclosure-defense-process-can-you-avoid-being-served-foreclosure)

Since 2007, **over 4 million Americans** have lost their homes [due to foreclosure](http://en.wikipedia.org/wiki/2010_United_States_foreclosure_crisis). By early next year, that number is expected to reach **6 million**. Historically, the legal procedure of foreclosure, in which a homeowner is required to relinquish his or her home to a lender upon mortgage default, generally favored banks and lenders who were well-versed in the practice.

However, recently this trend has reversed as many of today's homeowners who receive their notice of default are choosing to engage in an effective foreclosure defense process to stall, and often cease, the foreclosure proceedings filed against them. These recent successes can be attributed to the greater encouragement of mortgage modification and the piling evidence that, as a whole, the real estate industry has been largely [perpetrators of fraudulent and predatory lending practices](https://blog.amerihopealliance.com/blog/bid/296244/Mortgage-Fraud-The-Inside-Story). The discovery of which has impacted judicial attitude and largely shifted court sympathies towards homeowners perceived as victims.

\[fa icon="clock-o"\] Monday, September 9, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [stop foreclosure](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure), [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/the-foreclosure-defense-process-can-you-avoid-being-served-foreclosure)

## [We Fought the Law, and We Won: How Our Attorneys Stopped a Chase Bank Foreclosure](https://blog.amerihopealliance.com/blog/we-fought-the-law-and-we-won-attorneys-stopped-chase-foreclosure)

![foreclosure-lawyers-defeat-chase](https://blog.amerihopealliance.com/hs-fs/file-287316910-jpg/images/foreclosure-lawyers-fight.jpg?width=375&name=foreclosure-lawyers-fight.jpg "foreclosure-lawyers-defeat-chase")Florida may be in the Southernmost part of the United States, but it was and still is the center of the foreclosure crisis. Even today, thousands of Floridians are served with foreclosure papers every month. Florida is a judicial foreclosure state, meaning that foreclosures have to proceed through through the court system in order to be completed. This combination of judicial foreclosure and the severity of the foreclosure crisis has created what is consistently the nation's largest backlog of foreclosure cases; a problem which Florida's government had not addressed until recently.

\[fa icon="clock-o"\] Monday, September 2, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) 

[Read More »](https://blog.amerihopealliance.com/blog/we-fought-the-law-and-we-won-attorneys-stopped-chase-foreclosure)

## [Weighing the Consequences of Foreclosure, Short Sale, and Loan Modification](https://blog.amerihopealliance.com/blog/consequences-of-loan-modifications-short-sale-and-foreclosure)

[![](https://blog.amerihopealliance.com/hs-fs/file-286453150-jpg/images/consequences-of-foreclosure.jpg)](https://blog.amerihopealliance.com/blog/consequences-of-loan-modifications-short-sale-and-foreclosure)

*Which has worse consequences, a foreclosure or a short sale? Are there any consequences that come with mortgage modifications? Here's what your realtor and bank **won't** tell you.*

\[fa icon="clock-o"\] Friday, August 30, 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), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [short sale](https://blog.amerihopealliance.com/blog/topic/short-sale) 

[Read More »](https://blog.amerihopealliance.com/blog/consequences-of-loan-modifications-short-sale-and-foreclosure)

## [Loan Modification Success: Nationstar Principal and Payment Reduction](https://blog.amerihopealliance.com/blog/bid/306162/nationstar-principal-payment-reduction)

[![](https://blog.amerihopealliance.com/hs-fs/file-269931597-png/images/279000-saved.png)](https://blog.amerihopealliance.com/blog/bid/306162/nationstar-principal-payment-reduction)

*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.*

What would you do if you were emerging from the shadows of bankruptcy, had already lost one of your cars to repossession, and your house was now in danger of being foreclosed? If you're like this couple, then you fight back.

## Emerging From The Shadows

We met this married couple when they retained (hired) us in late 2011. They couldn't afford to pay their $2,600 mortgage payment and were several months behind.

\[fa icon="clock-o"\] Saturday, August 24, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/306162/nationstar-principal-payment-reduction)

## [Loan Modification Success: Wachovia / Wells Fargo FREE HOME](https://blog.amerihopealliance.com/blog/bid/306162/Loan-Modification-Success-Wachovia-Wells-Fargo-FREE-HOME)

[![](https://blog.amerihopealliance.com/hs-fs/file-238171281-jpg/images/free-and-clear-small.jpg)](https://blog.amerihopealliance.com/blog/bid/306162/Loan-Modification-Success-Wachovia-Wells-Fargo-FREE-HOME)

*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.*

This client hired our law firm when her investment property was facing foreclosure. Her daughter and grandchildren were currently living in this house. The client had fallen six months behind on her Wachovia/Wells Fargo mortgage, but at the conclusion of our services, Wachovia had forgiven her mortgage completely. Here's her story:

\[fa icon="clock-o"\] Saturday, August 10, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [wells fargo loan modification](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/306162/Loan-Modification-Success-Wachovia-Wells-Fargo-FREE-HOME)

## [Is a Short Sale a Good Idea?](https://blog.amerihopealliance.com/blog/bid/306139/Is-a-Short-Sale-a-Good-Idea)

![short sale statistics](https://blog.amerihopealliance.com/hs-fs/file-235854985-jpg/images/short_sale_statistics.jpg)

\[fa icon="clock-o"\] Wednesday, July 24, 2013  \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [short sale](https://blog.amerihopealliance.com/blog/topic/short-sale) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/306139/Is-a-Short-Sale-a-Good-Idea)

## [Infographic: 5 Year Anniversary, 5,000 Homeowners Helped](https://blog.amerihopealliance.com/blog/bid/302440/Infographic-5-Year-Anniversary-5-000-Homeowners-Helped)

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.

![Foreclosure Lawyers](https://blog.amerihopealliance.com/hs-fs/file-216624490-png/images/infographic.png?width=600&height=1450&name=infographic.png)

\[fa icon="clock-o"\] Monday, July 8, 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), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/bid/302440/Infographic-5-Year-Anniversary-5-000-Homeowners-Helped)

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### 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.

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[Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint)

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Published November 6, 2013

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Published October 13, 2018

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Published June 18, 2018

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[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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