Maybe you worked and saved for years to buy your home only to get talked into a toxic loan with a changing interest rate or a balloon payment. Maybe you refinanced with an interest-only loan with the promise that home prices would continue to go up, and you could refinance again in a year or two. Maybe it was an illness or a loss of income that caused you to get behind in mortgage payments. You probably realized too late that your property had been over-appraised and was now underwater and you are stuck with a loan you thought would be temporary. These are the types of situations that cause borrowers to get behind, that cause them to go to their servicer for a loan modification, and that throw them into foreclosure. This is where lender misconduct occurs and where Advocate Legal can help. Foreclosure litigation is a constant battle with a powerful opponent and a changing landscape. The Homeowners Bill of Rights was enacted in California to help borrowers get modifications and protect them from abuse, but the lenders still violate your rights with regularity, knowing only a few will fight back. To win this fight, you need a skilled litigator who knows the law, both state and federal; who can navigate the changing landscape; and who will be your advocate.
At Advocate Legal, we provide the support and legal skill that clients need to make informed choices and fight back to protect their rights. We assist in a broad range of foreclosure matters:
There are many situations why people in foreclosure have left things to the last minute. A lot of times this has to do with the servicer tricking you into believing they are helping you when they are actually running out the clock to your foreclosure sale, but we are here for you when that happens. Impending sale (Emergency) calls are taken immediately after you sign up on the website – forwarded directly to Susan if it is after hours.
Please don’t wait until the last minute, but if you do. Here’s what happens:• The very first thing you do is purchase your subscription on the website for $29.99. • Then you call the 800 number and verify that you have joined A/L and you need to speak to Susan immediately- that it is you have a pending sale/ emergency (see what constitutes an emergency). • If you are calling during business hours, you verify to the receptionist that you have joined A/L and [s]he will put your call through to Susan. • If you are calling after hours, you will go directly to a voicemail that will immediately message Susan. You verify on the voicemail • that you have joined A/L • that you have an emergency• and your callback information
If you have a sale date pending it’s most likely that you will need a bankruptcy to stop your foreclosure sale before any litigation can be filed. Once you have been connected with a bankruptcy attorney, you can have a second conversation with Susan about litigation. If bankruptcy is sufficient to deal with your problem, you can keep Susan “on retainer” by paying your monthly subscription fee or cancel your subscription at any time.
With your home on the line, only quick, aggressive action can protect your rights. The sooner you call our attorneys at Advocate Legal, the easier it will be for us to provide the meaningful, decisive representation you need.