--- title: Foreclosure and Loan Modification Blog | foreclosure (9) description: foreclosure | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (9) --- [![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 ## [Goldman Sachs To Pay $5.1 Billion To Settle Mortgage Scandal Claims](https://blog.amerihopealliance.com/blog/goldman-sachs-to-pay-5.1-billion-to-settle-mortgage-scandal-claims) [![](https://blog.amerihopealliance.com/hubfs/Goldman.jpeg)](https://blog.amerihopealliance.com/blog/goldman-sachs-to-pay-5.1-billion-to-settle-mortgage-scandal-claims) Goldman Sachs recently announced that it has reached an agreement in principle to pay $5.1 billion to settle an investigation by the government into its activities involving residential mortgage-backed securities in the years leading up to the 2008 financial crisis. $1.8 billion of the money is supposed to go to providing consumer relief. Goldman's press release states: **"The consumer relief will be in the form of principal forgiveness for underwater homeowners and distressed borrowers; financing for construction, rehabilitation and preservation of affordable housing; and support for debt restructuring, foreclosure preventio****n and housing quality improvement programs, as well as land banks.”** \[fa icon="clock-o"\] Friday, February 19, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [HAMP](https://blog.amerihopealliance.com/blog/topic/hamp), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/goldman-sachs-to-pay-5.1-billion-to-settle-mortgage-scandal-claims) ## [“The Big Short” Explains Foreclosure Crisis With Humor](https://blog.amerihopealliance.com/blog/the-big-short-explains-foreclosure-crisis-with-humor) [![](https://blog.amerihopealliance.com/hubfs/The_Big_Short.jpg)](https://blog.amerihopealliance.com/blog/the-big-short-explains-foreclosure-crisis-with-humor) The movie **“The Big Short”** was released over the holiday season to large audiences and critical acclaim. It tells the true story of some colorful traders and hedge fund managers who believed that the market in mortgage debt was set to collapse and of their quest to profit from it. \[fa icon="clock-o"\] Tuesday, February 2, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [mortgage](https://blog.amerihopealliance.com/blog/topic/mortgage), [the big short](https://blog.amerihopealliance.com/blog/topic/the-big-short) [Read More »](https://blog.amerihopealliance.com/blog/the-big-short-explains-foreclosure-crisis-with-humor) ## [Family Gets $5M From Wells Fargo For Robosigned Foreclosure Docs](https://blog.amerihopealliance.com/blog/family-gets-5m-from-wells-fargo-for-robosigned-foreclosure-docs) [![](https://blog.amerihopealliance.com/hubfs/NMS.jpg)](https://blog.amerihopealliance.com/blog/family-gets-5m-from-wells-fargo-for-robosigned-foreclosure-docs) On November 6, 2015, a Texas jury awarded Mary Ellen and David Wolf $5.38 million because Wells Fargo Bank and Carrington Mortgage services submitted forged documents to foreclose on the couple's home. You read that right, **a $5.38 million settlement for one home!** Journalist David Dayen points out that if you multiply that amount by the roughly six million homes that have been foreclosed since the financial crisis began in 2008, you get $32 trillion. Compared to the **$25 billion the banks paid as part of the National Mortgage Settlement**, and the continuing foreclosure fraud, it sure seems like the banks got off easy. \[fa icon="clock-o"\] Wednesday, January 27, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/family-gets-5m-from-wells-fargo-for-robosigned-foreclosure-docs) ## [The 5 Stages Of Foreclosure Grief](https://blog.amerihopealliance.com/blog/the-5-stages-of-foreclosure-grief) [![](https://blog.amerihopealliance.com/hubfs/Grief-248914-edited.jpg)](https://blog.amerihopealliance.com/blog/the-5-stages-of-foreclosure-grief) Foreclosure is so stressful that you'll find yourself experiencing powerful emotions when you are faced with it. **Your home is the most expensive, and most important purchase you will ever make**, so the possibility of losing it is tough to reckon with. How do people do it? \[fa icon="clock-o"\] Wednesday, January 20, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [prolong foreclosure](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure defense attorney new jersey](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/the-5-stages-of-foreclosure-grief) ## [When Life Hands You Foreclosure, Make Foreclosure Lemonade](https://blog.amerihopealliance.com/blog/when-life-hands-you-foreclosure-make-foreclosure-lemonade) [![](https://blog.amerihopealliance.com/hubfs/Lemonade.jpg)](https://blog.amerihopealliance.com/blog/when-life-hands-you-foreclosure-make-foreclosure-lemonade) When life hands you lemons, you make lemonade. Even if what's sour is something as consequential and life-altering as foreclosure. There are countless examples of people experiencing a terrible event in their life and turning it into a positive. It's hard for anyone in the middle of a difficult situation to imagine how something bad can be good in the long run. And to be fair, it may not. But you can maximize the chances of **making your sour situation sweet** by turning your attention to what you can do to fix it. \[fa icon="clock-o"\] Monday, December 28, 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), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/when-life-hands-you-foreclosure-make-foreclosure-lemonade) ## [4 Reasons Pets Become Victims Of Foreclosure](https://blog.amerihopealliance.com/blog/4-reasons-pets-become-victims-of-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/Dog2.jpg)](https://blog.amerihopealliance.com/blog/4-reasons-pets-become-victims-of-foreclosure) Foreclosure has a tremendous human cost. Families get kicked out of their homes, have their credit wrecked, and must find a new place to live. **It's very difficult for the people who go through it**, but there's also a nonhuman cost. Cue the Sarah McLachlin music, get your tissues ready. One of the most heartbreaking results of the foreclosure crisis is the effect it has on pets of some foreclosed homeowners. \[fa icon="clock-o"\] Wednesday, December 23, 2015 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [foreclosure grief](https://blog.amerihopealliance.com/blog/topic/foreclosure-grief), [foreclosure pets](https://blog.amerihopealliance.com/blog/topic/foreclosure-pets) [Read More »](https://blog.amerihopealliance.com/blog/4-reasons-pets-become-victims-of-foreclosure) ## [How To Get Off Your Lender's Naughty List](https://blog.amerihopealliance.com/blog/how-to-get-off-your-lenders-naughty-list) [![](https://blog.amerihopealliance.com/hubfs/Santa-040306-edited.jpg)](https://blog.amerihopealliance.com/blog/how-to-get-off-your-lenders-naughty-list) Your lender has been watching you all year, and **knows if you've been naughty or nice**. But if you make their naughty list by not paying your mortgage, they don't come down your chimney and leave you a stocking full of coal. They'll do something much worse and take your home, chimney and all. Unlike Santa Claus' naughty and nice lists, you should [know for sure](https://blog.amerihopealliance.com/blog/how-do-i-find-out-if-im-in-foreclosure) which one you are on. What is harder than knowing is getting off of the naughty and onto the nice list so you can stay in your home. Your mortgage lender has a very simple rule for determining whether you're naughty or nice. It's determined by **whether or not you pay your mortgage on time every month**. If you pay on time, you get to be on the nice list. Keep up the good work. What's your reward? Keeping your home, and not being threatened with the 'f' word. That's not the four letter 'f' word, it's the one with 11 letters: foreclosure. \[fa icon="clock-o"\] Friday, December 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), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [mortgage](https://blog.amerihopealliance.com/blog/topic/mortgage) [Read More »](https://blog.amerihopealliance.com/blog/how-to-get-off-your-lenders-naughty-list) ## [What To Do When You Can't Pay Your Mortgage](https://blog.amerihopealliance.com/blog/what-to-do-when-you-cant-pay-your-mortgage) [![](https://blog.amerihopealliance.com/hubfs/Debt2.jpg)](https://blog.amerihopealliance.com/blog/what-to-do-when-you-cant-pay-your-mortgage) People have difficulty paying their mortgage for a variety of reasons. **They lose their job, get divorced, or incur costly medical bills, to name a just a few common hardships.** To make ends meet when a hardship happens, some are able to **reduce spending** on nonessential items like entertainment, vacations, and eating out. If that's not enough, things that are necessary, but can be put off, are. If reducing spending does not free up enough cash to pay for essentials like **mortgage, car, and utility payments**, tough decisions have to be made. \[fa icon="clock-o"\] Wednesday, December 9, 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](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/what-to-do-when-you-cant-pay-your-mortgage) ## [Reinstatement Allows Delinquent Homeowners to Stop Foreclosure](https://blog.amerihopealliance.com/blog/reinstatement-allows-delinquent-homeowners-to-stop-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/Payment.jpg)](https://blog.amerihopealliance.com/blog/reinstatement-allows-delinquent-homeowners-to-stop-foreclosure) Foreclosure can be a confusing subject that mystifies all but the most **[well-versed professionals](https://blog.amerihopealliance.com/blog/how-can-you-know-when-to-hire-a-foreclosure-defense-attorney)**. All the ins and outs, the what have yous, and esoteric legal language make it difficult to understand the benefits and requirements of various options. However, **there are ways to stop foreclosure** that are simple and easy to understand for any homeowner. One of the easiest ways is a revolutionary concept that involves paying the money required to bring the loan current. **It's called reinstatement.** \[fa icon="clock-o"\] Monday, December 7, 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](https://blog.amerihopealliance.com/blog/topic/foreclosure), [reinstatement](https://blog.amerihopealliance.com/blog/topic/reinstatement) [Read More »](https://blog.amerihopealliance.com/blog/reinstatement-allows-delinquent-homeowners-to-stop-foreclosure) ## [4 Reasons to Be Thankful You Hired a Foreclosure Defense Attorney](https://blog.amerihopealliance.com/blog/4-reasons-to-be-thankful-you-hired-a-foreclosure-defense-attorney) [![](https://blog.amerihopealliance.com/hubfs/Pumpkin-443243-edited.jpeg)](https://blog.amerihopealliance.com/blog/4-reasons-to-be-thankful-you-hired-a-foreclosure-defense-attorney) Each Thanksgiving we're all supposed to give thanks for the good things that have happened to us over the course of the year. It's a time to show **appreciation and gratitude** while enjoying a big meal with family and friends. A turkey is **[pardoned](https://en.wikipedia.org/wiki/National_Thanksgiving_Turkey_Presentation)** by the president, and we're all encouraged to relax and enjoy ourselves. But the troubles and difficulties of life don't take a day off just because you do. Concerns about bills, career, and relationships remain even as the focus is supposed to be exclusively on the positive. \[fa icon="clock-o"\] Wednesday, November 25, 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), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/4-reasons-to-be-thankful-you-hired-a-foreclosure-defense-attorney) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/topic/foreclosure/page/8) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/topic/foreclosure/page/10) ### 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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