--- title: Foreclosure and Loan Modification Blog | foreclosure defense (11) description: foreclosure defense | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (11) --- [![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 ## [5 Year Anniversary: Employee Submissions!](https://blog.amerihopealliance.com/blog/bid/302434/5-Year-Anniversary-Employee-Submissions) [![](https://blog.amerihopealliance.com/hs-fs/file-216112099-png/images/shoe.png)](https://blog.amerihopealliance.com/blog/bid/302434/5-Year-Anniversary-Employee-Submissions) 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 \[fa icon="clock-o"\] Friday, July 5, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [bank of america loan modification](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification), [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/302434/5-Year-Anniversary-Employee-Submissions) ## [Homeowner Bill of Rights: a Win/Win for Homeowners](https://blog.amerihopealliance.com/blog/bid/301500/Homeowner-Bill-of-Rights-a-Win-Win-for-Homeowners) # Every Homeowner In Your State Deserves a Homeowner Bill of Rights. Here's Why. ![Banks Should Have To Fight Fair Against Homeowners](https://blog.amerihopealliance.com/hs-fs/file-210695460-jpg/images/small__2870137723.jpg)California was once one of the worst places to experience foreclosure, but now it is a model state for giving homeowners a a fair shake against their mortgage lenders. One single piece of legislation is responsible for this change; that legislation is the Homeowner Bill of Rights. California's Homeowner Bill of Rights formally took effect at the beginning of 2013. According to the California Attorney General's Office, the Bill of Rights "ensures fair lending and borrowing practices for California homeowners... these laws are designed to guarantee fairness and transparency for homeowners within the foreclosure process." \[fa icon="clock-o"\] Monday, July 1, 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/301500/Homeowner-Bill-of-Rights-a-Win-Win-for-Homeowners) ## [Law Firm's Unique Strategy Helps Obtain Over 5,000 Loan Modifications](https://blog.amerihopealliance.com/blog/bid/300723/Law-Firm-s-Unique-Strategy-Helps-Obtain-Over-5-000-Loan-Modifications) [![](http://ww1.prweb.com/prfiles/2013/06/14/10833147/gI_89865_All%20our%20friends.jpg)](https://blog.amerihopealliance.com/blog/bid/300723/Law-Firm-s-Unique-Strategy-Helps-Obtain-Over-5-000-Loan-Modifications) **For Immediate Release** - Plantation, FL - June 18, 2013 Law firm Amerihope Alliance Legal Services masters the art of foreclosure defense, helping over 5,000 homeowners expands its reach to helping homeowners in five judicial states. Amerihope Alliance Legal Services, located in Plantation, Florida, started out as a law firm dedicated to helping Florida's homeowners fight foreclosure against the banks. During the last several years due to their vast experience in the judicial foreclosure process they have added four additional judicial states: New York, New Jersey, Pennsylvania and Illinois. As of June 2013, over 5,000 (five thousand) loan modifications have been completed by Amerihope Alliance Legal Services. 5,000? What is their secret? \[fa icon="clock-o"\] Wednesday, June 26, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/bid/300723/Law-Firm-s-Unique-Strategy-Helps-Obtain-Over-5-000-Loan-Modifications) ## [What is the Cost of Foreclosure Defense?](https://blog.amerihopealliance.com/blog/bid/298915/What-is-the-Cost-of-Foreclosure-Defense) [![](https://blog.amerihopealliance.com/hs-fs/file-202859321-jpg/images/medium_2959833537.jpg)](https://blog.amerihopealliance.com/blog/bid/298915/What-is-the-Cost-of-Foreclosure-Defense) For most facing foreclosure either now or in the future, something has changed in their lives that is already causing more than enough stress without any help from the looming loss of their home. Many find that their change in circumstances leaves them unable to make monthly mortgage payments, and they face foreclosure simply because they don’t know what they need to do or how to go about it. When you interview lawyers to help keep your home, you might feel lost. What should be the cost of foreclosure defense? \[fa icon="clock-o"\] Friday, June 21, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [pennsylvania foreclosure defense](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense), [illinois foreclosure lawyer](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [new york foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney) [Read More »](https://blog.amerihopealliance.com/blog/bid/298915/What-is-the-Cost-of-Foreclosure-Defense) ## [The Pennsylvania Foreclosure Process](https://blog.amerihopealliance.com/blog/bid/294881/The-Pennsylvania-Foreclosure-Process) [![](https://blog.amerihopealliance.com/hs-fs/file-53101919-jpg/images/small__678125545.jpg)](https://blog.amerihopealliance.com/blog/bid/294881/The-Pennsylvania-Foreclosure-Process) # Pennsylvania's Foreclosure Process, Explained In comparison to many other states, the Pennsylvania foreclosure process is fairly straightforward. In fact, Pennsylvania is the only state in the country that has a state-funded loan program designed to help homeowners who, because of extenuating circumstances, have found themselves trapped in the foreclosure process and are worried about losing their homes. If you live in Pennsylvania and have just missed your first mortgage payment, or are already deep into the Pennsylvania foreclosure process, do not lose hope. Whether you have found yourself facing foreclosure because of sudden increased interest rates or internal hardships like a death in the family, debilitating illness, or unanticipated loss of wages, there are options to help homeowners get back on their feet. The first step on this path is the understanding of the Pennsylvania foreclosure process. \[fa icon="clock-o"\] Monday, June 3, 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), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/bid/294881/The-Pennsylvania-Foreclosure-Process) ## [Facing The Foreclosure Process in Illinois? Don't Panic!](https://blog.amerihopealliance.com/blog/bid/294882/Facing-The-Foreclosure-Process-in-Illinois-Don-t-Panic) [![](https://blog.amerihopealliance.com/hs-fs/file-52944572-jpg/images/illinois-map-cutout.jpg)](https://blog.amerihopealliance.com/blog/bid/294882/Facing-The-Foreclosure-Process-in-Illinois-Don-t-Panic) So you've missed a payment on your Illinois home. Any number of a various set of circumstances has conspired to affect your income and consequently your ability to keep up with your obligations. You held it together as long as you could, but now the unthinkable has happened and you are late on your mortgage. You may feel alone, embarrassed, and quite afraid of being foreclosed upon. Well cheer up homeowner because you are not alone and there is no need to be embarrassed or fear the foreclosure process in Illinois. Illinois is a judicial foreclosure state, which means that the foreclosure process in Illinois requires certain steps to be taken by your lender before they can take possession of your home. In other words, this means you have some time to fix this. If you're into legalese, you can read the entire statute [here](http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=073500050HArt.+XV&ActID=2017&ChapAct=735 ILCS 5/&ChapterID=56&ChapterName=CIVIL+PROCEDURE&SectionID=30830&SeqStart=104300000&SeqEnd=111300000&ActName=Code+of+Civil+Procedure.), however if you're just looking for some unbiased information and perhaps a little help for your situation, continue reading. \[fa icon="clock-o"\] Wednesday, May 29, 2013 \[fa icon="user"\] [Kristen Clinton](https://blog.amerihopealliance.com/blog/author/kristen-clinton) \[fa icon="folder-open'\] [illinois foreclosure lawyer](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) [Read More »](https://blog.amerihopealliance.com/blog/bid/294882/Facing-The-Foreclosure-Process-in-Illinois-Don-t-Panic) ## [What to Expect From a Foreclosure Case Management Conference](https://blog.amerihopealliance.com/blog/bid/291220/What-to-Expect-From-a-Foreclosure-Case-Management-Conference) [![](https://blog.amerihopealliance.com/hs-fs/file-38573249-jpg/images/small__5188623575.jpg)](https://blog.amerihopealliance.com/blog/bid/291220/What-to-Expect-From-a-Foreclosure-Case-Management-Conference) # Florida Foreclosure Case Management Conferences If you’re a homeowner who’s behind on your mortgage payments and in foreclosure in Florida, you may be scheduled for a case management conference. What is a case management conference and where does it come into play during foreclosure proceedings? ## When Payments Fall Behind The prospect of facing the [foreclosure process in Florida](https://blog.amerihopealliance.com/blog/bid/274882/Foreclosure-Process-in-Florida) can be a scary one. Most homeowners try to stall the foreclosure process by first seeking out loan modifications. \[fa icon="clock-o"\] Monday, May 13, 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 process](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process), [what is a case management conference](https://blog.amerihopealliance.com/blog/topic/what-is-a-case-management-conference) [Read More »](https://blog.amerihopealliance.com/blog/bid/291220/What-to-Expect-From-a-Foreclosure-Case-Management-Conference) ## [Understanding the Foreclosure Process in New York](https://blog.amerihopealliance.com/blog/bid/280369/Understanding-the-Foreclosure-Process-in-New-York) [![](https://blog.amerihopealliance.com/hs-fs/file-25931303-jpg/images/medium_4117185183.jpg)](https://blog.amerihopealliance.com/blog/bid/280369/Understanding-the-Foreclosure-Process-in-New-York) When trying to find a [New York Foreclosure Attorney](https://amerihopealliance.com/about_us), there are a few things to keep in mind. Every state is different when it comes to foreclosure laws. Because of this, the first thing you need to do is make sure that your attorney is licensed to do business in the same state as your property. In order to proceed in a foreclosure case, your attorney must have a license to do business in that state. \[fa icon="clock-o"\] Monday, April 1, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [new york foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney) [Read More »](https://blog.amerihopealliance.com/blog/bid/280369/Understanding-the-Foreclosure-Process-in-New-York) ## [Do I need a Forensic Loan Audit?](https://blog.amerihopealliance.com/blog/bid/279612/Do-I-need-a-Forensic-Loan-Audit) [![](https://blog.amerihopealliance.com/hs-fs/file-25867494-jpg/images/small_11424113.jpg)](https://blog.amerihopealliance.com/blog/bid/279612/Do-I-need-a-Forensic-Loan-Audit) A few years ago a forensic loan audit was a common tool for "mortgage rescue" companies if you suspected your bank of unfair practices and wished to pursue a lawsuit against your lender. However forensic loan audits are unnecessary in relation to the numerous other ways a foreclosure attorney can fight for your home. The FTC warns consumers against companies using Forensic Loan Audits to lure in clients as a mortgage loan audit is expensive and offers no significant benefit to the homeowner. A good foreclosure lawyer will make sure all of your loan paperwork is compliant, if necessary, as a tactic in your foreclosure defense case. \[fa icon="clock-o"\] Friday, March 29, 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/279612/Do-I-need-a-Forensic-Loan-Audit) ## [Florida Foreclosure Bill Passes Senate Committee](https://blog.amerihopealliance.com/blog/bid/278463/Florida-Foreclosure-Bill-Passes-Senate-Committee) [![](https://blog.amerihopealliance.com/hs-fs/file-25248433-jpg/images/medium_3756880888.jpg)](https://blog.amerihopealliance.com/blog/bid/278463/Florida-Foreclosure-Bill-Passes-Senate-Committee) A new foreclosure bill is being proposed by Florida legislature to speed up foreclosures in Florida. Although recently passed by a Senate committee, the bill still must pass three more committees in the Senate and one more in the House. The bill is designed to speed foreclosure cases through the court system by allowing semi-retired judges to take on foreclosure cases, as well as allowing a number of other provisions designed to help "streamline" the amount of foreclosure cases in the state of Florida. Florida already holds a quarter of the nation's foreclosure cases, and is working to expedite the judicial process of foreclosure. \[fa icon="clock-o"\] Friday, March 29, 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 bill](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-bill), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws), [foreclosure deficiency](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency), [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/bid/278463/Florida-Foreclosure-Bill-Passes-Senate-Committee) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense/page/10) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense/page/12) ### 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/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/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/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 - 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