--- title: Foreclosure and Loan Modification Blog | life after foreclosure description: life after foreclosure | 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 ## [Moving Out After Foreclosure](https://blog.amerihopealliance.com/blog/moving-out-after-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/Stock%20images/Dog%20in%20a%20car%20made%20of%20cardboard%20box%20-%20fast%20shipment%20concepts.jpeg)](https://blog.amerihopealliance.com/blog/moving-out-after-foreclosure) As the saying goes, you win some and you lose some. In the case of a [foreclosure lawsuit](https://blog.amerihopealliance.com/blog/who-is-the-plaintiff-in-the-foreclosure-lawsuit-against-you), if the homeowner “loses” the bank gets to keep the house. And when the bank keeps the house, the homeowner gets booted out. The bank, or new owner, must give homeowners notice before eviction can take place. Even so, the homeowner bears the moving expenses. These expenses can be difficult to cover, especially in the wake of the financial hardship that led to foreclosure. Are there any options for homeowners in this situation? \[fa icon="clock-o"\] Tuesday, December 1, 2020 \[fa icon="user"\] [Jordan Shealy](https://blog.amerihopealliance.com/blog/author/jordan-shealy) \[fa icon="folder-open'\] [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/moving-out-after-foreclosure) ## [How are Deficiency Judgments Collected?](https://blog.amerihopealliance.com/blog/how-are-deficiency-judgments-collected) [![](https://blog.amerihopealliance.com/hubfs/Deficiency%20Judgments.png)](https://blog.amerihopealliance.com/blog/how-are-deficiency-judgments-collected) You may think that once the awful [foreclosure process is over](https://blog.amerihopealliance.com/blog/bid/289333/What-Are-Your-Options-After-A-Foreclosure-Sale-Date-Has-Been-Set) you will not hear from your lender ever again. However, if there is a[deficiency judgment](https://blog.amerihopealliance.com/blog/double-trouble-foreclosure-deficiency-nightmare) form the foreclosure sale, this may not be the case. The bank can come after you if your home does not sell for the full value of the debt owed. This is called a [deficiency judgment](https://blog.amerihopealliance.com/blog/what-is-a-deficiency-judgment-and-how-can-you-avoid-one). How exactly can the bank collect this judgment? Read on to find out how. \[fa icon="clock-o"\] Thursday, September 17, 2020 \[fa icon="user"\] [Jordan Shealy](https://blog.amerihopealliance.com/blog/author/jordan-shealy) \[fa icon="folder-open'\] [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure), [debt collections harassment](https://blog.amerihopealliance.com/blog/topic/debt-collections-harassment), [debt settlement](https://blog.amerihopealliance.com/blog/topic/debt-settlement), [deficiency judgment](https://blog.amerihopealliance.com/blog/topic/deficiency-judgment), [foreclosure grief](https://blog.amerihopealliance.com/blog/topic/foreclosure-grief), [foreclosure fees](https://blog.amerihopealliance.com/blog/topic/foreclosure-fees) [Read More »](https://blog.amerihopealliance.com/blog/how-are-deficiency-judgments-collected) ## [We Helped Our Suntrust Client Get More Than $12k After Foreclosure!](https://blog.amerihopealliance.com/blog/we-got-more-than-12000-for-our-suntrust-client) [![](https://blog.amerihopealliance.com/hubfs/Keys1-987632-edited.jpg)](https://blog.amerihopealliance.com/blog/we-got-more-than-12000-for-our-suntrust-client) Amerihope Alliance Legal Services **recently helped a client get $12,842.42 in surplus funds** after his property was sold in a foreclosure auction. To protect his privacy I'll call this client Mr. Sebben. Mr. Sebben's mortgage problems came about because he **wasn't able to sell his Broward County, Florida home** before moving out of state for work. Unable to pay for housing in two states, he stopped paying the mortgage on his vacant Florida home and his lender, **Suntrust**, started foreclosure on it. Mr. Sebben realized that he needed professional help, and so he retained our firm in 2016 to help him stay a bit longer in the property and deal with the foreclosure case. \[fa icon="clock-o"\] Saturday, March 10, 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), [foreclosure deficiency](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency), [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [deficiency judgment](https://blog.amerihopealliance.com/blog/topic/deficiency-judgment) [Read More »](https://blog.amerihopealliance.com/blog/we-got-more-than-12000-for-our-suntrust-client) ## [House Flipping Up 20 Percent, Should Snooki and Vanilla Ice Get Credit?](https://blog.amerihopealliance.com/blog/house-flipping-up-20-percent-should-snooki-and-vanilla-ice-get-credit) [![](https://blog.amerihopealliance.com/hubfs/home_flipping.png)](https://blog.amerihopealliance.com/blog/house-flipping-up-20-percent-should-snooki-and-vanilla-ice-get-credit) Turn your television to a random basic cable channel and it probably won't be long before a reality show about house flipping comes on. There's **Flip This House** on A&E, **Flip That House** on Discovery, **Flip or Flop** on HGTV, **Flip Men** on Spike, **Flipping Out** on Bravo, and many, many others. Even celebrities are in on the house flipping reality show craze. **Snooki from Jersey Shore** has a show on FYI called **Nicole & Jionni's Shore Flip**. And **Vanilla Ice has The Vanilla Ice Project** on DIY Network. \[fa icon="clock-o"\] Monday, June 20, 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), [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure), [housing market](https://blog.amerihopealliance.com/blog/topic/housing-market) [Read More »](https://blog.amerihopealliance.com/blog/house-flipping-up-20-percent-should-snooki-and-vanilla-ice-get-credit) ## [Is It Too Late to Save Your Home When You've Received a Writ of Possession?](https://blog.amerihopealliance.com/blog/is-it-too-late-to-save-your-home-when-youve-received-a-writ-of-possession) [![](https://blog.amerihopealliance.com/hubfs/GetOut-215158-edited.jpg)](https://blog.amerihopealliance.com/blog/is-it-too-late-to-save-your-home-when-youve-received-a-writ-of-possession) **Yes, it is too late to save your home when you've received a writ of possession.** To learn why, let's look at what it is. A **writ of possession is a court order that the sheriff will place on your door** notifying you that you have to get yourself, your family, and all of your belongings out of your home after it is sold at a foreclosure auction or repossessed by the bank. The sheriff will come back 24/48/72 hours after posting the writ of possession to **execute the writ, which is code for kicking you out**. It doesn't matter if you have nowhere else to go. At this point it's too late to do much. \[fa icon="clock-o"\] Friday, May 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), [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [writ of possession](https://blog.amerihopealliance.com/blog/topic/writ-of-possession) [Read More »](https://blog.amerihopealliance.com/blog/is-it-too-late-to-save-your-home-when-youve-received-a-writ-of-possession) ## [How to Move out of Your Home When You're in Foreclosure](https://blog.amerihopealliance.com/blog/moving-out-of-your-home-when-foreclosure-happens) [![](https://blog.amerihopealliance.com/hubfs/Ship-266234-edited-297748-edited.jpg)](https://blog.amerihopealliance.com/blog/moving-out-of-your-home-when-foreclosure-happens) **“Abandon ship!”** That's the thought some homeowners have when they miss a few mortgage payments and realize they will not be able to keep their home. If the ship's going down, it's better to get off sooner rather than later, they reason. **Just because you can't afford your mortgage payment doesn't mean you need to leave your home right away.** You have the right to stay in your home until the foreclosure process is finished, which can take months or years. A little knowledge of the process can help you to **stay in your home as long as possible without making mortgage payments and land on your feet if and when you do leave**. \[fa icon="clock-o"\] Wednesday, April 27, 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), [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/moving-out-of-your-home-when-foreclosure-happens) ## [Can Cash For Keys Work For Me?](https://blog.amerihopealliance.com/blog/can-cash-for-keys-work-for-me) [![](https://blog.amerihopealliance.com/hubfs/Keys1-987632-edited.jpg)](https://blog.amerihopealliance.com/blog/can-cash-for-keys-work-for-me)   If you're in [foreclosure](https://blog.amerihopealliance.com/blog/how-can-you-know-when-to-hire-a-foreclosure-defense-attorney) and have decided that you cannot or do not want to keep your home, you may be wondering if you could get a “**cash for keys**” agreement. Cash for keys, sometimes called a "move out incentive", may sound like something you've heard about in hip hop music, but in this case it has nothing to do with kilos of illegal drugs. **It's an agreement between you and your lender to hand over the keys to, and move out of your property in exchange for money**. Getting paid cash money is always a seductive option, but you should take a close look at what you give up in exchange for that money before signing an agreement. \[fa icon="clock-o"\] Wednesday, November 11, 2015 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [short sale](https://blog.amerihopealliance.com/blog/topic/short-sale), [foreclosure deficiency](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency), [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [deed in lieu of foreclosure](https://blog.amerihopealliance.com/blog/topic/deed-in-lieu-of-foreclosure), [deficiency judgment](https://blog.amerihopealliance.com/blog/topic/deficiency-judgment) [Read More »](https://blog.amerihopealliance.com/blog/can-cash-for-keys-work-for-me) ## ['Lien On Me' Web Series Gives Humorous Take On Foreclosure Crisis](https://blog.amerihopealliance.com/blog/lien-on-me-web-series-gives-humorous-take-on-foreclosure-crisis) [![](https://blog.amerihopealliance.com/hubfs/Bubble-914569-edited.jpg)](https://blog.amerihopealliance.com/blog/lien-on-me-web-series-gives-humorous-take-on-foreclosure-crisis) Entertainment is not just something that distracts us from the **realities of our mundane lives** with [science fiction stories](https://www.youtube.com/watch?v=sGbxmsDFVnE) involving space, the distant future, aliens, and supernatural forces. Not that there's anything wrong with that, but some entertainment is grounded in the specific realities and challenges people live with and fight against in contemporary society. One such work is a web series called [Lien On Me](https://lienonmeshow.wordpress.com/). \[fa icon="clock-o"\] Monday, November 9, 2015 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure), [lien](https://blog.amerihopealliance.com/blog/topic/lien), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/lien-on-me-web-series-gives-humorous-take-on-foreclosure-crisis) ## [What Is a Deficiency Judgment Waiver, and How Do I Get One?](https://blog.amerihopealliance.com/blog/what-is-a-deficiency-judgment-waiver-and-how-do-i-get-one) [![](https://blog.amerihopealliance.com/hubfs/Judgment.jpg)](https://blog.amerihopealliance.com/blog/what-is-a-deficiency-judgment-waiver-and-how-do-i-get-one) *If you're having doubts about your ability to pay your mortgage or come to any resolution with your lender that allows you to keep your home,* **you may be wondering what your options are for exiting your home***, and **what responsibilities are associated with each choice**. Whether ownership of your home is transferred through a [short sale](https://blog.amerihopealliance.com/blog/short-sales-not-all-youve-heard-is-true...), deed in lieu of foreclosure agreement, or foreclosure sale, one of the most important things to be aware of is that you may be responsible for a **[deficiency](https://blog.amerihopealliance.com/blog/what-is-a-deficiency-judgment-and-how-can-you-avoid-one)**. But, with a little bit of help and some planning, **you may be able to get a deficiency judgment waiver** that allows you to walk away from your home without owing any money.* \[fa icon="clock-o"\] Monday, November 2, 2015 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [deficiency judgment](https://blog.amerihopealliance.com/blog/topic/deficiency-judgment) [Read More »](https://blog.amerihopealliance.com/blog/what-is-a-deficiency-judgment-waiver-and-how-do-i-get-one) ## [Real (Estate) Vampires and Zombies Are In Your Neighborhood](https://blog.amerihopealliance.com/blog/real-estate-vampires-and-zombies-are-in-your-neighborhood) [![](https://blog.amerihopealliance.com/hubfs/Zombie-810948-edited.jpg)](https://blog.amerihopealliance.com/blog/real-estate-vampires-and-zombies-are-in-your-neighborhood) Believe it or not, **monsters like vampires and zombies do exist**. They're not under your bed, but they might be in your neighborhood right now. Fortunately, they're not the kind that want to drink your blood or eat your brains, but you should still be aware of their existence. \[fa icon="clock-o"\] Wednesday, October 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), [foreclosure deficiency](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency), [life after foreclosure](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/real-estate-vampires-and-zombies-are-in-your-neighborhood) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure/page/2) ### 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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