STOP WORRYING AND GET SOME SLEEP!
Being on the receiving end of a foreclosure is a scary thing. Shelter is one of life's necessities. And, for most people, the cost of shelter is one of their biggest monthly expenses.
Here's the point: Just because you have defaulted on your mortgage payments doesn't mean you have to lose your home. I have been very successful in helping people save their homes.
I know how the sub-prime mortgage lending industry works. I worked in it for over 8 years as a loan officer (4 plus years) and a title closing agent (4 years). I have seen all the tricks loan officers play on people. I know the big and little lies that are used to sign people up for loans. I know how loans are processed and closed and how loan officers collect extra, hidden fees. And, I know the right way to do things.
I have a great deal of litigation experience as well. I have been practicing law since 1979. I devote my law practice almost exclusively to mortgage foreclosure defense and Truth-in-Lending Act litigation. I know how to litigate these cases. I don't have to reinvent the wheel every time I take one of them on. I am up to speed from the minute we sit down to talk. I'll bring you up to speed. And, you will find comfort there.
You have a number of options when faced with foreclosure or the imminent threat of foreclosure. Whether you have defaulted on your payments, been served with a foreclosure complaint, or see that day coming, you need to plan for your future--as unpleasant as that may seem.
You may be entitled to rescind your loan. If so, the bank must release your mortgage, refund all settlement charges and every penny you have paid on your mortgage. This is a pretty nuclear remedy--and a good bargaining chip.
You may be entitled to additional compensation as well. You may very well be able to save your home and put money in your pocket. I've had success with that as well. I can help you plan a financial strategy to weather the storm.
If you are faced with foreclosure, you had better have a strategy worked out.
I obviously don't work for free, but I am willing to spend some time on the phone (no charge) to see if it makes sense for you to get me involved in your business. I will not ask you to enter into a contract of representation without you knowing up front exactly what I will charge and coming to your own decision on whether it makes sense for you to hire me as your lawyer. I will break down the representation process step by step so that you know at each step exactly what your obligations are. I will explain the benefits and costs of hiring me. And, I will not take your case if I can't guarantee results that will justify the cost of my services.
I can guarantee you one thing: If I take your case, my services will more than pay for themselves. My clients always come out ahead--and that's a fact, Jack.
PROBLEM SOLVING 101:
Negotiate a Loan Modification (reduce your interest rate; principal mortgage balance and payment)
Negotiate sale of your home to the bank and put some money in your pocket
Obtain monetary compensation for your claims and/or a release of your mortgage.
Bargain from a position of power
Located in Maumee, Ohio
Serving all of Ohio