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

[![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/)

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# Foreclosure and Loan Modification Blog

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

## [Is There Such Thing as a Free House?](https://blog.amerihopealliance.com/blog/is-there-such-thing-as-a-free-house)

[![](https://blog.amerihopealliance.com/hubfs/images/blog/foreclosure%20free%20house.png)](https://blog.amerihopealliance.com/blog/is-there-such-thing-as-a-free-house)

The short answer is: not really.

It is highly unlikely that your foreclosure lawsuit will end in you getting your [house for free](https://blog.amerihopealliance.com/blog/behind-on-your-mortgage-how-about-getting-a-free-house). The only way this could happen, is through multiple [oversight](https://blog.amerihopealliance.com/blog/seeing-through-b-of-as-bs-to-avoid-foreclosure)[s](https://blog.amerihopealliance.com/blog/seeing-through-b-of-as-bs-to-avoid-foreclosure)[on the bank's part](https://blog.amerihopealliance.com/blog/seeing-through-b-of-as-bs-to-avoid-foreclosure). Your lender would have to neglect to file a foreclosure action after you default on your payments of a matured loan AND they would have to neglect filing that action for several years. Each state has its own Statute of Limitations which determines how long the bank has to proceed with the foreclosure of your home.

\[fa icon="clock-o"\] Saturday, November 28, 2020  \[fa icon="user"\] [Jordan Shealy](https://blog.amerihopealliance.com/blog/author/jordan-shealy)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [mortgage](https://blog.amerihopealliance.com/blog/topic/mortgage), [free house](https://blog.amerihopealliance.com/blog/topic/free-house), [foreclosure lawsuit](https://blog.amerihopealliance.com/blog/topic/foreclosure-lawsuit), [default judgment](https://blog.amerihopealliance.com/blog/topic/default-judgment), [final judgment](https://blog.amerihopealliance.com/blog/topic/final-judgment), [notice of default](https://blog.amerihopealliance.com/blog/topic/notice-of-default) 

[Read More »](https://blog.amerihopealliance.com/blog/is-there-such-thing-as-a-free-house)

## [Why Should I Hire a Foreclosure Defense Attorney?](https://blog.amerihopealliance.com/blog/why-should-i-hire-a-foreclosure-defense-attorney)

[![](https://blog.amerihopealliance.com/hubfs/why-should-i-hire-a-foreclosure-defense-lawyer.png)](https://blog.amerihopealliance.com/blog/why-should-i-hire-a-foreclosure-defense-attorney)

Approximately 250,000 families enter into foreclosure every 3 months due to [delinquent home loan payments](https://blog.amerihopealliance.com/blog/the-foreclosure-defense-process-can-you-avoid-being-served-foreclosure) or [delinquent property taxes](https://blog.amerihopealliance.com/blog/home-foreclosure-it-happens-for-more-than-just-missed-loan-payments). Each of these homeowners has one thing in common: they have to make the decision of whether or not to fight for their home. However, if you want to fight the foreclosure and keep your home, it's time to find a foreclosure defense attorney. Here are some reasons why:

\[fa icon="clock-o"\] Sunday, October 18, 2020  \[fa icon="user"\] [Jordan Shealy](https://blog.amerihopealliance.com/blog/author/jordan-shealy)  \[fa icon="folder-open'\] [stop foreclosure](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure), [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [loan modification denied](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied), [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [successful loan modifications](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [prolong foreclosure](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [mortgage](https://blog.amerihopealliance.com/blog/topic/mortgage), [lawyer](https://blog.amerihopealliance.com/blog/topic/lawyer), [foreclosure defense attorney](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney), [mortgage debt](https://blog.amerihopealliance.com/blog/topic/mortgage-debt), [dos donts of foreclosure](https://blog.amerihopealliance.com/blog/topic/dos-donts-of-foreclosure), [foreclosure lawsuit](https://blog.amerihopealliance.com/blog/topic/foreclosure-lawsuit), [avoiding foreclosure](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure), [default judgment](https://blog.amerihopealliance.com/blog/topic/default-judgment), [consent to foreclosure](https://blog.amerihopealliance.com/blog/topic/consent-to-foreclosure), [legal aid](https://blog.amerihopealliance.com/blog/topic/legal-aid) 

[Read More »](https://blog.amerihopealliance.com/blog/why-should-i-hire-a-foreclosure-defense-attorney)

## [Foreclosure Documents Demystified](https://blog.amerihopealliance.com/blog/foreclosure-documents-demystified)

[![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-365008169.jpg)](https://blog.amerihopealliance.com/blog/foreclosure-documents-demystified)

You have 3 choices when served with foreclosure documents: you can respond yourself, hire an attorney or do nothing.

You have the best chance of keeping your home with the help of a foreclosure defense attorney, and you are guaranteed to lose your home if you [do nothing](https://blog.amerihopealliance.com/blog/bid/305139/When-is-It-Time-to-Walk-Away-from-Your-Mortgage). If neither of these choices sound good to you, you can respond and represent yourself.

Read on for a guide to starting the foreclosure defense process as a [*pro se*](https://blog.amerihopealliance.com/blog/why-it-is-better-to-hire-an-attorney-than-proceeding-pro-se)[litigant](https://blog.amerihopealliance.com/blog/why-it-is-better-to-hire-an-attorney-than-proceeding-pro-se).

\[fa icon="clock-o"\] Thursday, August 13, 2020  \[fa icon="user"\] [Jordan Shealy](https://blog.amerihopealliance.com/blog/author/jordan-shealy)  \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [summons and complaint](https://blog.amerihopealliance.com/blog/topic/summons-and-complaint), [foreclosure lawsuit](https://blog.amerihopealliance.com/blog/topic/foreclosure-lawsuit), [pro se litigation](https://blog.amerihopealliance.com/blog/topic/pro-se-litigation), [foreclosure documents](https://blog.amerihopealliance.com/blog/topic/foreclosure-documents) 

[Read More »](https://blog.amerihopealliance.com/blog/foreclosure-documents-demystified)

## [Who Is The Plaintiff In The Foreclosure Lawsuit Against You?](https://blog.amerihopealliance.com/blog/who-is-the-plaintiff-in-the-foreclosure-lawsuit-against-you)

[![](https://blog.amerihopealliance.com/hubfs/images/Gavel3.jpg)](https://blog.amerihopealliance.com/blog/who-is-the-plaintiff-in-the-foreclosure-lawsuit-against-you)

If you live in a **judicial foreclosure state** and stop paying your mortgage, you will eventually become the **defendant** in a civil lawsuit.

The **plaintiff, which is the party suing you**, must go through the court system in order to foreclose on your house. **But who will the plaintiff be?**

It could be one of a few different parties or some combination of them. It could be the **investor in your loan, your loan servicer, or a trustee** that represents the parties with an interest in your mortgage.

Let's examine who those parties are, and what it means for you when fall behind on your mortgage.

\[fa icon="clock-o"\] Friday, February 17, 2017  \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney)  \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [foreclosure lawsuit](https://blog.amerihopealliance.com/blog/topic/foreclosure-lawsuit) 

[Read More »](https://blog.amerihopealliance.com/blog/who-is-the-plaintiff-in-the-foreclosure-lawsuit-against-you)

[All posts](https://blog.amerihopealliance.com/blog/all)

### 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)

Published December 3, 2019

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[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

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[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

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[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

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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

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