--- title: What Fees Are You Charged in Foreclosure? description: As if foreclosure isn't bad enough, it also costs you extra money in the form of fees, which make it even harder to get your mortgage back on track. image: https://blog.amerihopealliance.com/hubfs/images/MoneyEye.jpg --- [![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 ## What Fees Are You Charged in Foreclosure? \[fa icon="clock-o"\] Thursday, May 22, 2025 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure defense attorney](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney), [foreclosure fees](https://blog.amerihopealliance.com/blog/topic/foreclosure-fees) ![As if foreclosure wasn't bad enough, it also costs you extra money in the form of fees, which make it even harder to get your mortgage back on track.](https://blog.amerihopealliance.com/hs-fs/hubfs/images/WomanCry.jpg?width=400&name=WomanCry.jpg "As if foreclosure wasn't bad enough, it also costs you extra money in the form of fees, which make it even harder to get your mortgage back on track.")As if falling behind on your mortgage payments and being at risk of **losing your home to foreclosure** wasn't bad enough, **it also costs you extra money in the form of fees**, which make it even harder to get your mortgage back on track. Being charged fees for not having enough money to pay your mortgage can feel like **adding insult to injury**. You didn't have enough money to pay the regular mortgage payments, now they add fees to that! Wonderful. Unpleasant as it is, **there's no getting around incurring some fees when you default on your mortgage**. Your mortgage contract states that you will be charged fees in the event that you do not pay your mortgage in full and on time. The amount of your missed payments, which include **principal, interest, taxes and insurance**, will make up most of the money you owe after defaulting, but the fees are nothing to sneeze at. Let's look at what some of them are. ### Foreclosure Fees > ##### Title Search Expense > > ![As if foreclosure wasn't bad enough, it also costs you extra money in the form of fees, which make it even harder to get your mortgage back on track.](https://blog.amerihopealliance.com/hs-fs/hubfs/images/Bill.jpg?width=350&name=Bill.jpg "As if foreclosure wasn't bad enough, it also costs you extra money in the form of fees, which make it even harder to get your mortgage back on track.")When payments are missed, the servicer will do a **title search** to determine if there are other encumbrances, such as [liens](https://blog.amerihopealliance.com/blog/will-a-lien-prevent-my-loan-modification), on the property that would need to be dealt with before full possession can be taken. This charge can be a few hundred dollars. > > ##### Attorneys fees > > Your bank will charge you for the cost of the attorney they pay to work on your foreclosure case. **The longer you're in foreclosure, the more the attorney's fees add up.** These fees could be flat rate or hourly and can add up to hundreds or thousands of dollars. > > ##### Pre-Acceleration Late Charge > > Servicers are often **prohibited from assessing late charges after the note has been accelerated**, which is when they demand the whole loan be paid off because of missed payments. But before acceleration, they can charge you. A recent client of our firm in Florida was charged $225 in pre-acceleration late charges. > > ##### Private process server fee > > In [judicial foreclosure states](https://blog.amerihopealliance.com/blog/does-your-state-require-judicial-or-nonjudicial-foreclosure), a homeowner has to be **sued in a civil lawsuit** in order for the lender to foreclose on their home. A [summons and complaint](https://blog.amerihopealliance.com/blog/-ny-foreclosure-summons-and-complaint-are-you-in-danger-of-losing-your-home) has to be delivered, or **served**, to the homeowner by a process server. The client mentioned above was charged $65 for a private process server, which is about average. ### Property "Preservation" Costs ![As if foreclosure wasn't bad enough, it also costs you extra money in the form of fees, which make it even harder to get your mortgage back on track.](https://blog.amerihopealliance.com/hs-fs/hubfs/Fish-1-170428-edited.jpg?width=275&name=Fish-1-170428-edited.jpg "As if foreclosure wasn't bad enough, it also costs you extra money in the form of fees, which make it even harder to get your mortgage back on track.")After being served foreclosure your lender will try to **determine what kind of shape the property is in and take steps to protect it**. After all, the whole point of foreclosure is to sell the property to pay off the debt the borrower defaulted on. So they need to **do an inspection** to find out if anyone is living in the home or if the homeowner poured cement down all the drains or left rotting fish in the attic before they left. Of course, **the homeowner gets charged for the inspections**. There will probably be a drive-by property inspection to determine if the home is occupied and what kind of condition it is in and other inspections will follow. There may be quite a few other charges related to to preserving the property, especially if it is vacant. For example, the property may need **repairs, winterizing, trash removal, lawn maintenance, and/or locks replaced**. And the homeowner is charged for all of it. ### What Happens To The Fees? You may be able to get a fee removed if the bank has improperly assessed it, which has happened. But for the most part there's not much you can do. **All the fees that are assessed will be added to the amount you're past due, which will eventually have to be dealt with. ** ##### Foreclosure Sale If a property is sold in a [foreclosure auction](https://blog.amerihopealliance.com/blog/wells-fargos-negligence-leads-to-wrongful-foreclosure-auction), proceeds from the sale will be used to pay the mortgage and late fees off, assuming the home sells for enough to cover all of it. When there's not enough money from the sale, there is a **deficiency**, which the bank can sue the homeowner to recover. ### Alternatives to Foreclosure Homeowners tend to not want to just roll over and let foreclosure happen to them. They want to **find a solution that lets them resolve their situation with the least harm**. Homeowners who want to get rid of their home and mortgage can try to get approval for a [short sale](https://blog.amerihopealliance.com/blog/approval-to-participate-required-for-fha-short-sales) or [deed in lieu of foreclosure](https://blog.amerihopealliance.com/blog/what-is-a-deed-in-lieu-of-foreclosure), sometimes with a [cash-for-keys](https://blog.amerihopealliance.com/blog/can-cash-for-keys-work-for-me) agreement. With any of the above alternatives to foreclosure it's possible to negotiate a [deficiency judgment waiver](https://blog.amerihopealliance.com/blog/what-is-a-deficiency-judgment-waiver-and-how-do-i-get-one), they can be sure that the bank can't sue them for any deficiency. ##### Loan Modification If you want to keep your home, a loan modification may be your only hope. When a loan is permanently modified it is **returned to normal servicing with one or more of its terms changed**. There are a few ways the late fees and past due amount can be dealt with when a loan modification is given. It can be: > **1. Added to the principal.** where it is recapitalized and payments are made on it like normal. > > **2. Deferred.** Sometimes mortgage servicers will take the past due amount, including fees, and defer it, charging no interest and requiring no payments to be made on it. Then, when the modified loan matures in 30 or 40 years, the deferment becomes due in full as one big balloon payment. > > **3. Forgiven.** There are some cases where fees and missed payments are written off, though it's rare. ### Getting An Attorney Navigating foreclosure can be confusing and stressful. The **uncertainty of not knowing** what's going to happen causes people in foreclosure to be at increased risk of [physical and mental health problems](https://blog.amerihopealliance.com/blog/foreclosure-is-not-good-for-your-physical-mental-health). If you're facing foreclosure, you should consider [hiring an attorney](https://blog.amerihopealliance.com/blog/how-to-choose-the-best-foreclosure-defense-attorney-for-you). Your bank has one (which they're charging you for). **It's not a fair fight without one on your side.** An experienced attorney could make sure you're not being charged improper fees, help to keep you out of foreclosure for as long as possible, and give you the best odds for getting the results you're looking for.    [![Download the free guide to applying for a loan modification.](https://no-cache.hubspot.com/cta/default/161513/7f427dc3-cfa7-4796-9b6b-bb943e56683a.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/7f427dc3-cfa7-4796-9b6b-bb943e56683a)   *Images courtesy of Sira Anamwong and gameanna at FreeDigitalPhotos.net* - [Tweet](https://twitter.com/share) ![Maxwell Swinney](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-397888097.jpg?width=100&height=100&name=file-397888097.jpg) #### Written by [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) ### 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/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/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/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 - [loan modification (257)](https://blog.amerihopealliance.com/blog/topic/loan-modification) - [successful loan modifications (120)](https://blog.amerihopealliance.com/blog/topic/successful-loan-modifications) - [foreclosure defense (116)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense) - [foreclosure (102)](https://blog.amerihopealliance.com/blog/topic/foreclosure) - [loan modification help (52)](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) - [ocwen loan modification (51)](https://blog.amerihopealliance.com/blog/topic/ocwen-loan-modification) - [loan modification success (43)](https://blog.amerihopealliance.com/blog/topic/loan-modification-success) - [wells fargo loan modification (43)](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification) - [carrington loan modification (34)](https://blog.amerihopealliance.com/blog/topic/carrington-loan-modification) - [stop foreclosure (29)](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure) - [caliber loan modification (28)](https://blog.amerihopealliance.com/blog/topic/caliber-loan-modification) - [loan modification attorney (27)](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney) - [florida foreclosure defense (26)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense) - [sps loan modification (26)](https://blog.amerihopealliance.com/blog/topic/sps-loan-modification) - [new york foreclosure attorney (24)](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney) - [sls loan modification (24)](https://blog.amerihopealliance.com/blog/topic/sls-loan-modification) - [Scam Alert (23)](https://blog.amerihopealliance.com/blog/topic/scam-alert) - [bank of america loan modification (23)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification) - [how to stop foreclosure (21)](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure) - [mortgage fraud (21)](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud) - [florida foreclosure attorney (20)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney) - [loan modification lawyer (20)](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer) - [illinois foreclosure lawyer (19)](https://blog.amerihopealliance.com/blog/topic/illinois-foreclosure-lawyer) - [new jersey foreclosure attorney (19)](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney) - [hamp loan modification (18)](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification) - [seterus loan modification (18)](https://blog.amerihopealliance.com/blog/topic/seterus-loan-modification) - [mr cooper loan modification (17)](https://blog.amerihopealliance.com/blog/topic/mr-cooper-loan-modification) - [understanding credit (17)](https://blog.amerihopealliance.com/blog/topic/understanding-credit) - [ditech loan modification (16)](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification) - [life after foreclosure (16)](https://blog.amerihopealliance.com/blog/topic/life-after-foreclosure) - [nationstar loan modification (16)](https://blog.amerihopealliance.com/blog/topic/nationstar-loan-modification) - [HAMP (15)](https://blog.amerihopealliance.com/blog/topic/hamp) - [foreclosure defense attorney (15)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney) - [bayview loan modification (14)](https://blog.amerihopealliance.com/blog/topic/bayview-loan-modification) - [loan modification denied (14)](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied) - [housing market (13)](https://blog.amerihopealliance.com/blog/topic/housing-market) - [lenders (13)](https://blog.amerihopealliance.com/blog/topic/lenders) - [loan care loan modification (13)](https://blog.amerihopealliance.com/blog/topic/loan-care-loan-modification) - [PNC loan modification success (12)](https://blog.amerihopealliance.com/blog/topic/pnc-loan-modification-success) - [florida foreclosure laws (12)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) - [foreclosure defense attorney new jersey (12)](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey) - [Rushmore loan modification (11)](https://blog.amerihopealliance.com/blog/topic/rushmore-loan-modification) - [new jersey foreclosure process (11)](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process) - [pennsylvania foreclosure defense (11)](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense) - [short sale (11)](https://blog.amerihopealliance.com/blog/topic/short-sale) - [bank of america loan modification problems (10)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-loan-modification-problems) - [chase loan modification (10)](https://blog.amerihopealliance.com/blog/topic/chase-loan-modification) - [chase loan modifications (10)](https://blog.amerihopealliance.com/blog/topic/chase-loan-modifications) - [citi loan modification (10)](https://blog.amerihopealliance.com/blog/topic/citi-loan-modification) - [foreclosure deficiency (10)](https://blog.amerihopealliance.com/blog/topic/foreclosure-deficiency) - [mortgage modification (10)](https://blog.amerihopealliance.com/blog/topic/mortgage-modification) - [shellpoint loan modification (10)](https://blog.amerihopealliance.com/blog/topic/shellpoint-loan-modification) - [foreclosure grief (9)](https://blog.amerihopealliance.com/blog/topic/foreclosure-grief) - [mortgage (9)](https://blog.amerihopealliance.com/blog/topic/mortgage) - [prolong foreclosure (9)](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure) - [us bank loan modification (9)](https://blog.amerihopealliance.com/blog/topic/us-bank-loan-modification) - [bank of america foreclosure (8)](https://blog.amerihopealliance.com/blog/topic/bank-of-america-foreclosure) - [foreclosure process in new york (8)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-new-york) - [freedom mortgage loan modification (8)](https://blog.amerihopealliance.com/blog/topic/freedom-mortgage-loan-modification) - [loan modification scams in Florida (8)](https://blog.amerihopealliance.com/blog/topic/loan-modification-scams-in-florida) - [penny mac loan modification (8)](https://blog.amerihopealliance.com/blog/topic/penny-mac-loan-modification) - [selene loan modification (8)](https://blog.amerihopealliance.com/blog/topic/selene-loan-modification) - [avoiding foreclosure (7)](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure) - [cenlar loan modification (7)](https://blog.amerihopealliance.com/blog/topic/cenlar-loan-modification) - [florida foreclosure process (7)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process) - [foreclosure fraud (7)](https://blog.amerihopealliance.com/blog/topic/foreclosure-fraud) - [m&t bank loan modification (7)](https://blog.amerihopealliance.com/blog/topic/mt-bank-loan-modification) - [mortgage shopping, (7)](https://blog.amerihopealliance.com/blog/topic/mortgage-shopping) - [timeshare cancellation (7)](https://blog.amerihopealliance.com/blog/topic/timeshare-cancellation) - [ditech loan modification success (6)](https://blog.amerihopealliance.com/blog/topic/ditech-loan-modification-success) - [financial worksheet for loan modification (6)](https://blog.amerihopealliance.com/blog/topic/financial-worksheet-for-loan-modification) - [foreclosure crisis (6)](https://blog.amerihopealliance.com/blog/topic/foreclosure-crisis) - [hurricane irma (6)](https://blog.amerihopealliance.com/blog/topic/hurricane-irma) - [mortgage servicers (6)](https://blog.amerihopealliance.com/blog/topic/mortgage-servicers) - [phh loan modification (6)](https://blog.amerihopealliance.com/blog/topic/phh-loan-modification) - [roundpoint loan modification (6)](https://blog.amerihopealliance.com/blog/topic/roundpoint-loan-modification) - [trial modification (6)](https://blog.amerihopealliance.com/blog/topic/trial-modification) - [debt collections harassment (5)](https://blog.amerihopealliance.com/blog/topic/debt-collections-harassment) - [deficiency judgment (5)](https://blog.amerihopealliance.com/blog/topic/deficiency-judgment) - [foreclosure process in florida (5)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-florida) - [i have a foreclosure sale date (5)](https://blog.amerihopealliance.com/blog/topic/i-have-a-foreclosure-sale-date) - [mortgage servicing (5)](https://blog.amerihopealliance.com/blog/topic/mortgage-servicing) - [summons and complaint (5)](https://blog.amerihopealliance.com/blog/topic/summons-and-complaint) - [asc loan modification (4)](https://blog.amerihopealliance.com/blog/topic/asc-loan-modification) - [deed in lieu of foreclosure (4)](https://blog.amerihopealliance.com/blog/topic/deed-in-lieu-of-foreclosure) - [final judgment (4)](https://blog.amerihopealliance.com/blog/topic/final-judgment) - [forbearance (4)](https://blog.amerihopealliance.com/blog/topic/forbearance) - [foreclosure lawsuit (4)](https://blog.amerihopealliance.com/blog/topic/foreclosure-lawsuit) - [foreclosure process in illinois (4)](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-illinois) - [loan modification application (4)](https://blog.amerihopealliance.com/blog/topic/loan-modification-application) - [negative equity (4)](https://blog.amerihopealliance.com/blog/topic/negative-equity) - [normal servicing (4)](https://blog.amerihopealliance.com/blog/topic/normal-servicing) - [personal finance (4)](https://blog.amerihopealliance.com/blog/topic/personal-finance) - [phfa loan modification (4)](https://blog.amerihopealliance.com/blog/topic/phfa-loan-modification) - [principal reduction (4)](https://blog.amerihopealliance.com/blog/topic/principal-reduction) - [refinance (4)](https://blog.amerihopealliance.com/blog/topic/refinance) - [sps repayment plan (4)](https://blog.amerihopealliance.com/blog/topic/sps-repayment-plan) - [stop foreclosure in florida (4)](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure-in-florida) - [suntrust loan modification (4)](https://blog.amerihopealliance.com/blog/topic/suntrust-loan-modification) - [write a hardship letter (4)](https://blog.amerihopealliance.com/blog/topic/write-a-hardship-letter) - [Bankruptcy (3)](https://blog.amerihopealliance.com/blog/topic/bankruptcy) - [Buying a home after foreclosure (3)](https://blog.amerihopealliance.com/blog/topic/buying-a-home-after-foreclosure) - [CFPB (3)](https://blog.amerihopealliance.com/blog/topic/cfpb) - [HUD (3)](https://blog.amerihopealliance.com/blog/topic/hud) - [bb&t loan modification (3)](https://blog.amerihopealliance.com/blog/topic/bbt-loan-modification) - [bsi loan modification success (3)](https://blog.amerihopealliance.com/blog/topic/bsi-loan-modification-success) - [capital one loan modifications (3)](https://blog.amerihopealliance.com/blog/topic/capital-one-loan-modifications) - [debt settlement (3)](https://blog.amerihopealliance.com/blog/topic/debt-settlement) - [default judgment (3)](https://blog.amerihopealliance.com/blog/topic/default-judgment) - [dual-tracking (3)](https://blog.amerihopealliance.com/blog/topic/dual-tracking) - [fay servicing loan modification (3)](https://blog.amerihopealliance.com/blog/topic/fay-servicing-loan-modification) - [flagstar loan modification (3)](https://blog.amerihopealliance.com/blog/topic/flagstar-loan-modification) - [foreclosure fees (3)](https://blog.amerihopealliance.com/blog/topic/foreclosure-fees) - [lawyer (3)](https://blog.amerihopealliance.com/blog/topic/lawyer) - [loan modification financial worksheet (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-financial-worksheet) - [loan modification fraud (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-fraud) - [loan modification terms (3)](https://blog.amerihopealliance.com/blog/topic/loan-modification-terms) - [massachusetts foreclosure lawyer (3)](https://blog.amerihopealliance.com/blog/topic/massachusetts-foreclosure-lawyer) - [mortgage abuse (3)](https://blog.amerihopealliance.com/blog/topic/mortgage-abuse) - [mortgage debt (3)](https://blog.amerihopealliance.com/blog/topic/mortgage-debt) - [news (3)](https://blog.amerihopealliance.com/blog/topic/news) - [Florida statue of limitations (2)](https://blog.amerihopealliance.com/blog/topic/florida-statue-of-limitations) - [Greentree loan modification (2)](https://blog.amerihopealliance.com/blog/topic/greentree-loan-modification) - [affirmative defense (2)](https://blog.amerihopealliance.com/blog/topic/affirmative-defense) - [consent to foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/consent-to-foreclosure) - [coronavirus (2)](https://blog.amerihopealliance.com/blog/topic/coronavirus) - [covid19 (2)](https://blog.amerihopealliance.com/blog/topic/covid19) - [dos donts of foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/dos-donts-of-foreclosure) - [fha (2)](https://blog.amerihopealliance.com/blog/topic/fha) - [fifth third bank loan modification (2)](https://blog.amerihopealliance.com/blog/topic/fifth-third-bank-loan-modification) - [florida foreclosure bill (2)](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-bill) - [foreclosure auction (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-auction) - [foreclosure glossary (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-glossary) - [foreclosure moratorium (2)](https://blog.amerihopealliance.com/blog/topic/foreclosure-moratorium) - [free house (2)](https://blog.amerihopealliance.com/blog/topic/free-house) - [gregory funding loan modification (2)](https://blog.amerihopealliance.com/blog/topic/gregory-funding-loan-modification) - [hardest hit (2)](https://blog.amerihopealliance.com/blog/topic/hardest-hit) - [hardship (2)](https://blog.amerihopealliance.com/blog/topic/hardship) - [hardship letter (2)](https://blog.amerihopealliance.com/blog/topic/hardship-letter) - [home point loan modification (2)](https://blog.amerihopealliance.com/blog/topic/home-point-loan-modification) - [hsbc loan modification (2)](https://blog.amerihopealliance.com/blog/topic/hsbc-loan-modification) - [hurricane (2)](https://blog.amerihopealliance.com/blog/topic/hurricane) - [judicial default judgment (2)](https://blog.amerihopealliance.com/blog/topic/judicial-default-judgment) - [lakeview loan servicing loan modification (2)](https://blog.amerihopealliance.com/blog/topic/lakeview-loan-servicing-loan-modification) - [law firm awards (2)](https://blog.amerihopealliance.com/blog/topic/law-firm-awards) - [legal aid (2)](https://blog.amerihopealliance.com/blog/topic/legal-aid) - [loan modification cost (2)](https://blog.amerihopealliance.com/blog/topic/loan-modification-cost) - [mortgage assistance (2)](https://blog.amerihopealliance.com/blog/topic/mortgage-assistance) - [notice of default (2)](https://blog.amerihopealliance.com/blog/topic/notice-of-default) - [predatory lending (2)](https://blog.amerihopealliance.com/blog/topic/predatory-lending) - [pro se litigation (2)](https://blog.amerihopealliance.com/blog/topic/pro-se-litigation) - [regions bank loan modification (2)](https://blog.amerihopealliance.com/blog/topic/regions-bank-loan-modification) - [reinstatement (2)](https://blog.amerihopealliance.com/blog/topic/reinstatement) - [retirement (2)](https://blog.amerihopealliance.com/blog/topic/retirement) - [reverse mortgage (2)](https://blog.amerihopealliance.com/blog/topic/reverse-mortgage) - [stearns loan care loan modification (2)](https://blog.amerihopealliance.com/blog/topic/stearns-loan-care-loan-modification) - [unclean hands (2)](https://blog.amerihopealliance.com/blog/topic/unclean-hands) - [underwater (2)](https://blog.amerihopealliance.com/blog/topic/underwater) - [wells fargo (2)](https://blog.amerihopealliance.com/blog/topic/wells-fargo) - [writ of possession (2)](https://blog.amerihopealliance.com/blog/topic/writ-of-possession) - [zombie foreclosure (2)](https://blog.amerihopealliance.com/blog/topic/zombie-foreclosure) - [21st Mortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/21st-mortgage-loan-modification) - [Abandoned Homes (1)](https://blog.amerihopealliance.com/blog/topic/abandoned-homes) - [Excessive Overdraft Fees (1)](https://blog.amerihopealliance.com/blog/topic/excessive-overdraft-fees) - [FCI Lenders Services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/fci-lenders-services-loan-modification) - [FHFA (1)](https://blog.amerihopealliance.com/blog/topic/fhfa) - [HAFA (1)](https://blog.amerihopealliance.com/blog/topic/hafa) - [HOA Foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/hoa-foreclosure) - [Hardest Hit Fund (1)](https://blog.amerihopealliance.com/blog/topic/hardest-hit-fund) - [Homebridge Financial Services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/homebridge-financial-services-loan-modification) - [Mortgage Forgiveness Debt Relief Act (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-forgiveness-debt-relief-act) - [Ocwen (1)](https://blog.amerihopealliance.com/blog/topic/ocwen) - [Superstorm Sandy (1)](https://blog.amerihopealliance.com/blog/topic/superstorm-sandy) - [act 91 notice (1)](https://blog.amerihopealliance.com/blog/topic/act-91-notice) - [amc loan modification (1)](https://blog.amerihopealliance.com/blog/topic/amc-loan-modification) - [auction (1)](https://blog.amerihopealliance.com/blog/topic/auction) - [bitcoin (1)](https://blog.amerihopealliance.com/blog/topic/bitcoin) - [citibank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/citibank-loan-modification) - [citimortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/citimortgage-loan-modification) - [class action lawsuit (1)](https://blog.amerihopealliance.com/blog/topic/class-action-lawsuit) - [complete application scam (1)](https://blog.amerihopealliance.com/blog/topic/complete-application-scam) - [conciliation conference (1)](https://blog.amerihopealliance.com/blog/topic/conciliation-conference) - [connecticut foreclosure defense (1)](https://blog.amerihopealliance.com/blog/topic/connecticut-foreclosure-defense) - [consent order (1)](https://blog.amerihopealliance.com/blog/topic/consent-order) - [credit cards (1)](https://blog.amerihopealliance.com/blog/topic/credit-cards) - [deferment (1)](https://blog.amerihopealliance.com/blog/topic/deferment) - [divorce and foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/divorce-and-foreclosure) - [email (1)](https://blog.amerihopealliance.com/blog/topic/email) - [fannie mae (1)](https://blog.amerihopealliance.com/blog/topic/fannie-mae) - [fci loan modification (1)](https://blog.amerihopealliance.com/blog/topic/fci-loan-modification) - [fema (1)](https://blog.amerihopealliance.com/blog/topic/fema) - [financial crisis (1)](https://blog.amerihopealliance.com/blog/topic/financial-crisis) - [first national bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/first-national-bank-loan-modification) - [flex modification (1)](https://blog.amerihopealliance.com/blog/topic/flex-modification) - [force-placed insurance (1)](https://blog.amerihopealliance.com/blog/topic/force-placed-insurance) - [foreclosure documents (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-documents) - [foreclosure pets (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-pets) - [foreclosure trial (1)](https://blog.amerihopealliance.com/blog/topic/foreclosure-trial) - [government shutdown (1)](https://blog.amerihopealliance.com/blog/topic/government-shutdown) - [guaranteed rate loan modification (1)](https://blog.amerihopealliance.com/blog/topic/guaranteed-rate-loan-modification) - [heloc (1)](https://blog.amerihopealliance.com/blog/topic/heloc) - [home bridge financial services loan modification (1)](https://blog.amerihopealliance.com/blog/topic/home-bridge-financial-services-loan-modification) - [home loan investment bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/home-loan-investment-bank-loan-modification) - [housing (1)](https://blog.amerihopealliance.com/blog/topic/housing) - [housing bubble (1)](https://blog.amerihopealliance.com/blog/topic/housing-bubble) - [in-house loan modification (1)](https://blog.amerihopealliance.com/blog/topic/in-house-loan-modification) - [income tax (1)](https://blog.amerihopealliance.com/blog/topic/income-tax) - [investment property (1)](https://blog.amerihopealliance.com/blog/topic/investment-property) - [judicial or clerk's default (1)](https://blog.amerihopealliance.com/blog/topic/judicial-or-clerks-default) - [leprechaun (1)](https://blog.amerihopealliance.com/blog/topic/leprechaun) - [lien (1)](https://blog.amerihopealliance.com/blog/topic/lien) - [loan modification process in florida (1)](https://blog.amerihopealliance.com/blog/topic/loan-modification-process-in-florida) - [loancare loan modification (1)](https://blog.amerihopealliance.com/blog/topic/loancare-loan-modification) - [m&t babk (1)](https://blog.amerihopealliance.com/blog/topic/mt-babk) - [mediation (1)](https://blog.amerihopealliance.com/blog/topic/mediation) - [mgc mortgage loan modification (1)](https://blog.amerihopealliance.com/blog/topic/mgc-mortgage-loan-modification) - [mortgage examination (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-examination) - [mortgage investor (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-investor) - [mortgage rates (1)](https://blog.amerihopealliance.com/blog/topic/mortgage-rates) - [mr. cooper (1)](https://blog.amerihopealliance.com/blog/topic/mr-cooper) - [ocwen foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/ocwen-foreclosure) - [pacific union finance loan modification success (1)](https://blog.amerihopealliance.com/blog/topic/pacific-union-finance-loan-modification-success) - [partial claim (1)](https://blog.amerihopealliance.com/blog/topic/partial-claim) - [pennsylvania housing finance agency (1)](https://blog.amerihopealliance.com/blog/topic/pennsylvania-housing-finance-agency) - [pennymac loan modification (1)](https://blog.amerihopealliance.com/blog/topic/pennymac-loan-modification) - [probate (1)](https://blog.amerihopealliance.com/blog/topic/probate) - [quiet title (1)](https://blog.amerihopealliance.com/blog/topic/quiet-title) - [quitclaim deed (1)](https://blog.amerihopealliance.com/blog/topic/quitclaim-deed) - [recession (1)](https://blog.amerihopealliance.com/blog/topic/recession) - [remodification (1)](https://blog.amerihopealliance.com/blog/topic/remodification) - [reverse mortgage foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/reverse-mortgage-foreclosure) - [second mortgage modification (1)](https://blog.amerihopealliance.com/blog/topic/second-mortgage-modification) - [selling your timeshare (1)](https://blog.amerihopealliance.com/blog/topic/selling-your-timeshare) - [settlement conference (1)](https://blog.amerihopealliance.com/blog/topic/settlement-conference) - [sheriff's sale (1)](https://blog.amerihopealliance.com/blog/topic/sheriffs-sale) - [stearns lending loan modification (1)](https://blog.amerihopealliance.com/blog/topic/stearns-lending-loan-modification) - [stock trading (1)](https://blog.amerihopealliance.com/blog/topic/stock-trading) - [strategic default (1)](https://blog.amerihopealliance.com/blog/topic/strategic-default) - [sunwest loan modification (1)](https://blog.amerihopealliance.com/blog/topic/sunwest-loan-modification) - [tax foreclosure (1)](https://blog.amerihopealliance.com/blog/topic/tax-foreclosure) - [td bank loan modification (1)](https://blog.amerihopealliance.com/blog/topic/td-bank-loan-modification) - [thanksgiving (1)](https://blog.amerihopealliance.com/blog/topic/thanksgiving) - [the big short (1)](https://blog.amerihopealliance.com/blog/topic/the-big-short) - [timeshare (1)](https://blog.amerihopealliance.com/blog/topic/timeshare) - [timeshare fraud (1)](https://blog.amerihopealliance.com/blog/topic/timeshare-fraud) - [trumark financial loan modification (1)](https://blog.amerihopealliance.com/blog/topic/trumark-financial-loan-modification) - [unknown foreclosure defendants (1)](https://blog.amerihopealliance.com/blog/topic/unknown-foreclosure-defendants) - [what is a case management conference (1)](https://blog.amerihopealliance.com/blog/topic/what-is-a-case-management-conference) see all [![Quick Foreclosure Quiz](https://no-cache.hubspot.com/cta/default/161513/5a1cfa41-2f25-4042-be8d-84677e3a244d.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/5a1cfa41-2f25-4042-be8d-84677e3a244d) ### Foreclosure Process Handbook - [FL](https://legal.amerihopealliance.com/foreclosure-handbook) - [IL](https://legal.amerihopealliance.com/illinois-foreclosure-handbook) - [NY](https://legal.amerihopealliance.com/new-york-foreclosure-handbook) - [NJ](https://legal.amerihopealliance.com/new-jersey-foreclosure-handbook) - [PA](https://legal.amerihopealliance.com/pennsylvania-foreclosure-handbook) ### Sitemap - [About](https://www.amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Free Consultation](https://www.amerihopealliance.com/free_consultation) - [Blog](https://blog.amerihopealliance.com) - [Client Login](https://www.amerihopealliance.com/client_login) ### Subscribe [![Do You Need To Hire A Foreclosure Attorney? Take Our 2-Minute Quiz](https://no-cache.hubspot.com/cta/default/161513/ceb8a341-537c-4129-a97d-da85fc0868ce.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ceb8a341-537c-4129-a97d-da85fc0868ce) ### Recent Posts ## Contact Us ### Call (877) 882-5338 ### Fax: (954) 919-6337 ### View our Office Locations Copyright 2008 - 2026 | Amerihope Alliance Legal Services [Privacy Policy](https://amerihopealliance.com/privacy) | [Terms of Service](https://amerihopealliance.com/terms) | [Site Map](https://amerihopealliance.com/sitemap) | [Glossary](https://amerihopealliance.com/glossary.php) | [Contact Us](https://amerihopealliance.com/contact_us) We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The hiring of a lawyer is an important decision that should not be based solely upon advertisements. This web site is designed for general information only. The facts and law in each case are different. We cannot and do not represent or guarantee a specific result in any given case. See our About Us page for our qualifications and experience.