Defend Your Rights, Stay In Your Home

Many subprime and other loans were closed with defects and improper consumer disclosures, many of these loans were then sold and resold on the secondary market. There are many legal defenses to foreclosure cases which if used properly can provide the opportunity to re-negotiate loan terms and prevent foreclosure. In some cases mortgages can be rescinded completely.
 

Legally Negotiate Better Rates and Terms

Lenders are often willing to negotiate better rates and terms on mortgage loans rather than go through the lengthy and expensive process of foreclosure. This is especially so if there were defects and mistakes made with respect to required consumer disclosures or related closing documents. Borrowers can legally negotiate better terms, interest rates and other modifications with proper legal representation.

Analyze Your Loan, Does the Bank Owe You Money Damages

If you have a mortgage loan, 2nd mortgage or credit line that was originated in the last 5-7 years there may be serious defects and omissions related to required disclosures, the Document Audit is a legal way to analyze these disclosures and determine if they were correctly provided. In some cases lenders may owe consumers damages or have mortgages rescinded due to defective disclosures or predatory lending. The Document Audit may provide substantial leverage to re-negotiate mortgage terms, defend a foreclosure case or rescind a loan.

Use New FHA and Other Loans to Refinance High Interest Mortgages

The FHA and other lenders have favorable refinancing options that when used in conjunction with other legal remedies such as loan modification or short payoff may result in significant reductions in monthly payments or principal balances, you can legally coordinate a refinance with a turn-key renegotiation of loan terms.
 
 
 
 
 
 

Get Out From Under Mortgage Debt, Sell or Refinance at a Discount

In order to avoid foreclosure lenders may allow you to sell your property at lesser amount than the existing mortgage. They may also allow you to refinance to the discounted value of the current mortgage balance.
 
 

Submit Offers in Compromise, Discount IRS Debt

The IRS will often accept discounted payments for tax liability. Paying and removing tax liens is often a requirement in selling or refinancing real estate which may be encumbered by these liens. The IRS has new programs to help homeowners discharge tax liens.

Correct Your Credit, Raise Your Credit Score

A substantial number of credit reports contain outdated, inaccurate or misleading information. This information if not corrected can reduce your credit score and affect the interest rates you pay. You have the legal right to challenge these items and correct inaccurate information.
 

Negotiate Your Debts, Stop Collection Harassment

Many Creditors will settle credit card and other debt at a substantial discount, there are laws which protect consumers from creditor harassment and other abuse. Settling consumer debt can be done legally and will often have an impact in reducing monthly expenses if done correctly.