---
title: Foreclosure and Loan Modification Blog | foreclosure defense (5)
description: foreclosure defense | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (5)
---

[![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

## [Will a Lien Prevent My Loan Modification?](https://blog.amerihopealliance.com/blog/will-a-lien-prevent-my-loan-modification)

[![](https://blog.amerihopealliance.com/hubfs/RoadBlock-379684-edited.jpg)](https://blog.amerihopealliance.com/blog/will-a-lien-prevent-my-loan-modification)

So, you're ready to apply for a mortgage [loan modification](https://blog.amerihopealliance.com/blog/7-loan-modification-facts). You've done a lot of research and think you should qualify, that there's no reason to believe you'll be [denied](https://blog.amerihopealliance.com/blog/bid/278385/Why-is-my-loan-modification-denied). But before you get too excited about life with a modified loan and the reduced financial burden you'll have as a result, **remember that a lien you don't even know you have will prevent you from getting that loan modification**.

\[fa icon="clock-o"\] Friday, October 23, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [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/will-a-lien-prevent-my-loan-modification)

## [Does Your State Require Judicial or Nonjudicial Foreclosure?](https://blog.amerihopealliance.com/blog/does-your-state-require-judicial-or-nonjudicial-foreclosure)

[![](https://blog.amerihopealliance.com/hubfs/Map-Judicial-026408-edited.gif)](https://blog.amerihopealliance.com/blog/does-your-state-require-judicial-or-nonjudicial-foreclosure)

When you do not pay your home loan payments, **your lender is required to follow the laws and procedures of your state** to take ownership of your home and sell it. Some states require lenders to file a lawsuit in court in order to foreclose, which is known as judicial foreclosure. Other states allow lenders to foreclose without filing a lawsuit in court, which is known as [nonjudicial foreclosure](https://blog.amerihopealliance.com/blog/massachusetts-is-a-non-judicial-foreclosure-state-whats-that). Roughly half of the states have judicial foreclosure rules and half have nonjudicial. 

\[fa icon="clock-o"\] Wednesday, October 21, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [new york foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws), [florida foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) 

[Read More »](https://blog.amerihopealliance.com/blog/does-your-state-require-judicial-or-nonjudicial-foreclosure)

## [What Makes a Bad Foreclosure Defense Attorney?](https://blog.amerihopealliance.com/blog/what-makes-a-bad-foreclosure-defense-attorney)

[![](https://blog.amerihopealliance.com/hubfs/Liar-157197-edited.jpg)](https://blog.amerihopealliance.com/blog/what-makes-a-bad-foreclosure-defense-attorney)

If you are behind on your mortgage payments and think you need the [help of a professional](https://blog.amerihopealliance.com/blog/why-hire-a-foreclosure-attorney), you'll find that there are **no shortage of attorneys** willing to take you on as a client. But, there are many different types of attorneys with different experiences, resources, and points of view. For example, a law firm specializing in intellectual property law probably would not be the best choice if you need foreclosure defense and loan modification help, any more than an ear, nose, and throat doctor would be the best choice if you need surgery on your knee.

\[fa icon="clock-o"\] Wednesday, October 14, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/what-makes-a-bad-foreclosure-defense-attorney)

## [How to Avoid Mortgage Relief and Foreclosure Scams](https://blog.amerihopealliance.com/blog/how-to-avoid-foreclosure-scams)

[![](https://blog.amerihopealliance.com/hubfs/SCAMS.jpg)](https://blog.amerihopealliance.com/blog/how-to-avoid-foreclosure-scams)

One of the fundamental principles of capitalism is that, if there are a sufficient number of consumers who wish to purchase a product or service, **a market will be created to sell it to them**. If there's money to be made meeting some need or want, whether it's real or imagined, vital or not, some entrepreneur will provide it and try to turn a profit. We're all grateful that farmers meet our need for food, and [Hollywood](http://www.99homesmovie.com/) meets our desire for entertainment (sometimes), and we're happy to hand over our money for those things. But there will always be some entrepreneurs who are intent on making money by deception, or by taking advantage of consumers who wish to purchase a miracle.

\[fa icon="clock-o"\] Monday, October 12, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [loan modification scams in Florida](https://blog.amerihopealliance.com/blog/topic/loan-modification-scams-in-florida), [Scam Alert](https://blog.amerihopealliance.com/blog/topic/scam-alert) 

[Read More »](https://blog.amerihopealliance.com/blog/how-to-avoid-foreclosure-scams)

## [How do I find out if I'm in foreclosure?](https://blog.amerihopealliance.com/blog/how-do-i-find-out-if-im-in-foreclosure)

[![](https://blog.amerihopealliance.com/hubfs/images/Walter-132066-edited.jpg)](https://blog.amerihopealliance.com/blog/how-do-i-find-out-if-im-in-foreclosure)

You can't fix a problem you don't know you have, and **foreclosure is a very serious problem** indeed. Home loans are valuable investments for a lender, and you can bet that if you stop payment on yours, you will be hearing from them asking you where their money is and if you intend to catch up, and eventually telling you to get out so they can sell the property to someone else.

\[fa icon="clock-o"\] Wednesday, October 7, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/how-do-i-find-out-if-im-in-foreclosure)

## [Is Strategic Default A Good Idea?](https://blog.amerihopealliance.com/blog/is-strategic-default-a-good-idea)

[![](https://blog.amerihopealliance.com/hubfs/Diver-928729-edited.jpg)](https://blog.amerihopealliance.com/blog/is-strategic-default-a-good-idea)

If your home is underwater (worth less than what you owe on it), and you've tried and failed to modify the terms of your loan or come to another agreement with your lender, you may be wondering if it's wise to continue making payments on the property. **Is there a way out?**

\[fa icon="clock-o"\] Monday, October 5, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [strategic default](https://blog.amerihopealliance.com/blog/topic/strategic-default) 

[Read More »](https://blog.amerihopealliance.com/blog/is-strategic-default-a-good-idea)

## [Can a Home Be Foreclosed If Property Taxes Are Not Paid?](https://blog.amerihopealliance.com/blog/can-a-home-be-foreclosed-if-you-dont-pay-property-taxes)

[![](https://blog.amerihopealliance.com/hubfs/Tax-791222-edited.jpg)](https://blog.amerihopealliance.com/blog/can-a-home-be-foreclosed-if-you-dont-pay-property-taxes)

Few people have been more **universally hated** throughout history than **tax collectors**. They take your hard-earned money, but it always seems like too much for what the government they represent provides in return. It's a story as old as civilization. **Nobody likes paying taxes**.

\[fa icon="clock-o"\] Friday, October 2, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [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/can-a-home-be-foreclosed-if-you-dont-pay-property-taxes)

## [You Won't Believe Which Celebrities Have Experienced Foreclosure](https://blog.amerihopealliance.com/blog/you-wont-believe-which-celebrities-have-experienced-foreclosure)

[![](https://blog.amerihopealliance.com/hubfs/Evander_Holyfield-383035-edited.jpg)](https://blog.amerihopealliance.com/blog/you-wont-believe-which-celebrities-have-experienced-foreclosure)

Americans love to envy the **lavish lifestyles of celebrities** when they are on top, and to witness their fall from grace. Despite having tremendous wealth and the love and admiration of millions of people, movie stars, musicians, professional athletes, and other famous or infamous people, have found themselves in the same situation as many regular Americans. That is, unable to make their mortgage payments and [threatened with foreclosure](https://blog.amerihopealliance.com/blog/how-can-you-know-when-to-hire-a-foreclosure-defense-attorney) by the bank.

\[fa icon="clock-o"\] Wednesday, September 30, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/you-wont-believe-which-celebrities-have-experienced-foreclosure)

## [How to Choose the Best Foreclosure Defense Attorney For You](https://blog.amerihopealliance.com/blog/how-to-choose-the-best-foreclosure-defense-attorney-for-you)

[![](https://blog.amerihopealliance.com/hubfs/Saul-Goodman2-976453-edited.jpg)](https://blog.amerihopealliance.com/blog/how-to-choose-the-best-foreclosure-defense-attorney-for-you)

Foreclosure is a **major crisis** for the people who experience it. It's something you never thought would happen, otherwise you would not have taken out a mortgage loan. You may feel that you [need the help of an attorney](https://legal.amerihopealliance.com/do-you-need-to-hire-an-attorney-quiz), but deciding what type, and who among them you should hire is no easy task.

\[fa icon="clock-o"\] Monday, September 28, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/how-to-choose-the-best-foreclosure-defense-attorney-for-you)

## [Can You Afford a Lawyer When You Can't Make Your Mortgage Payments?](https://blog.amerihopealliance.com/blog/how-can-you-afford-a-lawyer-when-you-cant-make-your-mortgage-payments)

[![](https://blog.amerihopealliance.com/hubfs/LegalAdvice.jpg)](https://blog.amerihopealliance.com/blog/how-can-you-afford-a-lawyer-when-you-cant-make-your-mortgage-payments)

Times are tough. The effects of the recession and **housing crisis** have left you in a less-than-ideal financial situation, and now you're having trouble making your mortgage payments. You may be thinking about trying to get a loan modification to lower your interest rate, or you may be worried that a foreclosure is in your future. You know that if a loan modification is successful, your monthly payments could be reduced to a more manageable level. You also know that your chances of getting a loan modification approved without an attorney are slim, but **you don't know if you can afford an attorney**.

Alternatively, you may think the result is a forgone conclusion, and that there is no point in paying an attorney to tell you what you already know, that you're going to lose your home.

\[fa icon="clock-o"\] Friday, September 18, 2015  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [stop foreclosure](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) 

[Read More »](https://blog.amerihopealliance.com/blog/how-can-you-afford-a-lawyer-when-you-cant-make-your-mortgage-payments)

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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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### 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)
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