--- title: Foreclosure and Loan Modification Blog | hurricane irma description: hurricane irma | 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/) - 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 ## [Mr. Cooper To Pay Homeowners For Hurricane Irma Misconduct](https://blog.amerihopealliance.com/blog/-mr.-cooper-to-pay-homeowners-for-hurricane-irma-misconduct) [![](https://blog.amerihopealliance.com/hubfs/Liar5.png)](https://blog.amerihopealliance.com/blog/-mr.-cooper-to-pay-homeowners-for-hurricane-irma-misconduct) Florida Attorney General Pam Bondi has announced that **a settlement was reached** with Nationstar Mortgage, doing business as Mr. Cooper, that *“resolves allegations **regarding** **Mr. Cooper’s servicing misconduct in the aftermath of Hurricane Irma**.”* (If you're in foreclosure, or being threatened with foreclosure after a hurricane, contact our firm for a free [Hurricane Hardship Review](https://legal.amerihopealliance.com/hurricane-irma-foreclosure-help).) ## Mr. Cooper's Misconduct Mr. Cooper/Nationstar is a mortgage lender and servicer based in Texas which services mortgages nationwide. Their misconduct related to Hurricane Irma is similar to stories we've heard from homeowners with loans serviced by many servicers after the hurricane. It goes like this: > A mortgage servicer tells a homeowner that they can **postpone 3-6 months of mortgage payments to recover from the financial impact of Hurricane Irma**. \[fa icon="clock-o"\] Wednesday, December 19, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [forbearance](https://blog.amerihopealliance.com/blog/topic/forbearance), [hurricane irma](https://blog.amerihopealliance.com/blog/topic/hurricane-irma), [mr. cooper](https://blog.amerihopealliance.com/blog/topic/mr-cooper) [Read More »](https://blog.amerihopealliance.com/blog/-mr.-cooper-to-pay-homeowners-for-hurricane-irma-misconduct) ## [It's Time to Get Ready for the 2018 Hurricane Season](https://blog.amerihopealliance.com/blog/its-time-to-get-ready-for-the-2018-hurricane-season) [![](https://blog.amerihopealliance.com/hubfs/images/2018Hurricane.jpg)](https://blog.amerihopealliance.com/blog/its-time-to-get-ready-for-the-2018-hurricane-season) 2017's Atlantic hurricane season was one of the strongest ever, with three Category 4 storms hitting the U.S. (**Irma in Florida, Maria in Puerto Rico, and Harvey in Texas)** causing billions of dollars in damage and thousands of deaths. Unfortunately, the **2018 Atlantic hurricane season**, which runs from June through November, is expected to be above average in terms of number and intensity of storms. As of this writing, two people have already died in flooding caused by tropical storm Alberto. For 2018, forecasters are predicting **14-18 named storms, 7 hurricanes, and 3 hurricanes of category 3 or higher**. So, it's a good idea to take all necessary precautions to protect you and your family's well-being and property from the effects of any storms that might come your way. The National Hurricane Center says that there are two keys to weather safety: 1. **Prepare for the risks.** 2. **Act on those preparations when alerted by emergency officials.** You can visit the [National Hurricane Center's website](https://www.nhc.noaa.gov/prepare/ready.php) to read all of their tips on safety during the hurricane season, but here are some of things to take into consideration as you prepare for potential storms. \[fa icon="clock-o"\] Friday, June 1, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [hurricane irma](https://blog.amerihopealliance.com/blog/topic/hurricane-irma), [hurricane](https://blog.amerihopealliance.com/blog/topic/hurricane) [Read More »](https://blog.amerihopealliance.com/blog/its-time-to-get-ready-for-the-2018-hurricane-season) ## [Did You Get A Forbearance Or Deferment After Hurricane Irma?](https://blog.amerihopealliance.com/blog/did-you-get-a-forbearance-or-deferment-after-hurricane-irma) [![](https://blog.amerihopealliance.com/hubfs/images/Irma3.jpg)](https://blog.amerihopealliance.com/blog/did-you-get-a-forbearance-or-deferment-after-hurricane-irma) If you accepted your mortgage lender's offer to suspend your house payments so you could get back on your feet after a hurricane, you may have found that **their help actually put you at risk of foreclosure**. Hurricane Irma, as well as Harvey and Maria, caused damage that led some homeowners to wind up in that situation. Many homeowners accepted their lender's offer **without knowing exactly what kind of help they were getting** and what the consequences of that help would be. There are also cases of the bank saying one thing and doing another. *To have our law firm review your Hurricane Hardship \[[Request Your Review Here](https://legal.amerihopealliance.com/hurricane-irma-foreclosure-help)\]* Let's take a look at two of the main ways mortgage payments can be suspended and repaid following a disaster: ### Forbearance > A **forbearance is when a lender temporarily suspends your payments** so you can avoid falling behind on your loan for a period of time until your hardship is over. After it's over, all the missed payments typically have to be **paid back in one lump sum**. > > It's great to have your bank's permission to not make some payments if you have an emergency and need to spend your money on other things. But, if your money is tight enough to **need a forbearance, how are you going to afford to pay back 3, 6, or 12 missed payments in one fell swoop?** That's why a forbearance is so dangerous. If you're at the end of your forbearance period and can't pay the money back and the bank won't give you a repayment plan, you could end up in **foreclosure**. \[fa icon="clock-o"\] Friday, March 30, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [hurricane irma](https://blog.amerihopealliance.com/blog/topic/hurricane-irma) [Read More »](https://blog.amerihopealliance.com/blog/did-you-get-a-forbearance-or-deferment-after-hurricane-irma) ## [Did Your Hurricane Irma Forbearance Cause Foreclosure?](https://blog.amerihopealliance.com/blog/did-your-hurricane-irma-forbearance-cause-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/Irma2-424110-edited.jpg)](https://blog.amerihopealliance.com/blog/did-your-hurricane-irma-forbearance-cause-foreclosure) 2017's hurricanes are long gone, but some homeowners affected by **Irma, Harvey, and Maria** are trying to avoid foreclosure after their bank-approved forbearance caused them to end up in **foreclosure**. How could that be? ## Hurricane Hardships When **hurricane Irma tore through Florida, it knocked out power and damaged property**. A lot of people missed work and had to spend extra money on things like **home repairs, replacement groceries, fuel for a generator, or a hotel**. All the extra expenses made it hard or impossible to pay the mortgage. Fortunately, many banks offered some assistance to homeowners going through a hurricane-related hardship. Unfortunately, after that temporary assistance ended, **some homeowners are finding themselves worse off** than before. \[fa icon="clock-o"\] Tuesday, March 27, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [florida foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney), [hurricane irma](https://blog.amerihopealliance.com/blog/topic/hurricane-irma), [mr cooper loan modification](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification) [Read More »](https://blog.amerihopealliance.com/blog/did-your-hurricane-irma-forbearance-cause-foreclosure) ## [What Happens When Hurricane Irma Mortgage Help Ends?](https://blog.amerihopealliance.com/blog/what-happens-when-hurricane-irma-mortgage-help-ends) [![](https://blog.amerihopealliance.com/hubfs/images/Memes/Brian.jpg)](https://blog.amerihopealliance.com/blog/what-happens-when-hurricane-irma-mortgage-help-ends) March 2018 Update: If your lender is calling you regarding delinquent payments after making you an offer of assistance, act immediately. We have been contacted by several homeowners who have received foreclosure notices after believing their lender or servicer had granted them relief. --- Temporary mortgage assistance has been made available to homeowners in parts of the country that were declared disaster areas as a result of 2017's major hurricanes, including Hurricane Irma in Florida, Harvey in Texas, and Maria in Puerto Rico. That help is much needed for many people, but what happens when the relief ends? After getting some kind of assistance, **you and your mortgage could end up in better shape**, but you could also find that **your problems are worse**. It all depends on your situation and what kind of assistance you get. So it's important to understand what you're getting into. Let's take a look at some of the assistance available. \[fa icon="clock-o"\] Wednesday, March 7, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [hurricane irma](https://blog.amerihopealliance.com/blog/topic/hurricane-irma), [mortgage assistance](https://blog.amerihopealliance.com/blog/topic/mortgage-assistance) [Read More »](https://blog.amerihopealliance.com/blog/what-happens-when-hurricane-irma-mortgage-help-ends) ## [Help Is Available for Hurricane Irma Survivors](https://blog.amerihopealliance.com/blog/help-is-available-for-homeowners-recovering-from-hurricane-irma) [![](https://blog.amerihopealliance.com/hubfs/images/Irma.jpg)](https://blog.amerihopealliance.com/blog/help-is-available-for-homeowners-recovering-from-hurricane-irma) Hurricane Irma did more than $62 billion of damage in Florida and the Caribbean, making it the **fourth-costliest hurricane on record**. Homes and property were destroyed and damaged, 101 people died, and many endured serious hardships. Survivors continue to clean up and try to return to their normal lives. Fortunately **there is help available from the federal government, state government, and charities**. Below are links and information on some of the help that's available. **FEMA, the Federal Emergency Management Agency**, is involved in coordinating the response to Irma since a state of emergency was declared in Florida. You can go to [FEMA.gov](http://FEMA.gov) or [Disasterassistance.gov](http://Disasterassistance.gov) for more information on a variety of programs to see if you are eligible for assistance and to apply. You can also call FEMA toll-free at **1-800-621-FEMA (1-800-621-3362)**. \[fa icon="clock-o"\] Saturday, September 23, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [hurricane irma](https://blog.amerihopealliance.com/blog/topic/hurricane-irma), [fema](https://blog.amerihopealliance.com/blog/topic/fema) [Read More »](https://blog.amerihopealliance.com/blog/help-is-available-for-homeowners-recovering-from-hurricane-irma) [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. ### 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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