Foreclosure and Loan Modification Blog

6 Tips for Success for Our Foreclosure Defense Clients

A successful relationship between a client and a law firm requires both parties to do their job. The firm may have the most work to do, but there are some things that only the client can do. Even the greatest attorney in the world can't get you what you want if you're not playing ball.

If you hire our law firm, take the steps below to ensure that you have the best relationship with us and the highest chance of getting the outcome you want.

1. Add our phone numbers to your contacts and return our calls.

Have you ever received a call from an unknown number and not answered it because you assumed that if the caller was important to you, you'd already have their number saved in your phone? Probably a telemarketer, you figured. Then you get a voice mail and realize that the caller was someone very important to you, but you didn't add their number to your contacts yet. Crap!

Don't let that happen with a call from your lawyer. Add our number to your contacts and answer when we call you -- it's probably important. If you're a client of our firm, you will be getting calls from 877-882-5338 and 866-558-2408. You might also want to add your paralegal's direct fax number, so you have it handy while you're doing #3 below.

3 Dirty Secrets About Loan Modifications Your Bank Doesn't Want You to Know

A loan modification can allow you to keep your home and avoid foreclosure after falling behind on your mortgage, but it's not necessarily all roses. In fact, there are some downsides to loan mods that your lender may not go out of their way tell you about.

If you don't know, a loan modification is a permanent change to one or more of the terms of your mortgage, such as the term, interest rate, and monthly payment.

A loan modification is often the only hope many homeowners have to keep their home following a default. They can be great, however if you need one, you should be aware of the following: 

🏆🏆Our Awards for Results and Customer Service🏆🏆

Amerihope Alliance Legal Services, which focuses on providing foreclosure defense and loan modification assistance, is proud to have accepted numerous awards for providing excellent service to our clients over the last 12 years.

The Worst Advice We've Heard About Loan Modifications and Foreclosure

If you tell people that you're trying to get a loan modification to avoid foreclosure and keep your home, inevitably some of them will offer advice, whether they know what they're talking about or not.

Acting on bad guidance for something so important can be harmful to your chances of getting the outcome you want.

Here's some of the worst advice we've heard about loan modifications and foreclosure: 

"Stop paying your mortgage to get a loan mod"

Homeowners who are current on their mortgage have been told that they need to stop paying their mortgage to be eligible for a loan modification.

This is wrong.

You do need to show that you've had a hardship that's making it hard to afford your mortgage, but you do not have to be in default to get a loan modification.

Successful Loan Modification Roundup Week of 3/4/19

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.


Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Freedom, Seterus, Wells Fargo and SPS:

What's Taking So Long For Your Final Loan Modification Offer?

You did the hard work of applying for a loan modification and making your trial modification payments. Congratulations!

After making that last trial payment, the only thing to do is wait for the bank to send you a final modification offer, then you can finally put your foreclosure nightmare behind you forever and move on with life. Right?

Unfortunately, your permanent modification offer may not come right away. Why is that?

Applying For A Loan Modification

Applying for a loan modification is no easy task. You have to submit a package of documents called a Request for Mortgage Assistance or RMA.  Often the servicer will require the homeowner to continually resubmit newer versions of the same documents such as bank statements while the application is under review.

Successful Loan Modification Roundup Week of 2/25/19

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.


Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Ocwen Mortgage & Carrington:

Successful Loan Modification Roundup Week of 2/18/19

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Successful Loan Modification Roundup Week of 2/11/19

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Freedom Mortgage, Flagstar Mortgage, Shellpoint Mortgage, and SPS: 

Freedom Mortgage 

After falling $43,594.86 and 28 months past due on her mortgage, we helped our Freedom Mortgage client get a three month Ginnie Mae trial loan modification plan with a fresh start!

When Should You File Bankruptcy To Avoid Foreclosure?

Bankruptcy could help you delay foreclosure or avoid it entirely. So, if you're facing foreclosure, does that mean that you need to file bankruptcy? And if so, when?

There are ways to deal with your mortgage default that don't involve bankruptcy, some of which may be better. Whether or not bankruptcy is right for you depends on what other options are available to you and how close you are to losing your home.

If you've just defaulted, you probably have time to work toward a solution that doesn't involve bankruptcy. But if you've been served with foreclosure papers (in a judicial foreclosure state), have a sale date in the near future, and no other options, then bankruptcy could be right for you.

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

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 at any time.

Subscribe to Email Updates

Lists by Topic

see all
Quick Foreclosure Quiz

Foreclosure Process Handbook