Many people, including many lawyers believe that the only defenses to foreclosure is payment of the mortgage, this is a misnomer. The Law Offices of Foreclosure Defense employ a series of legal strategies to defend borrowers against overreaching and relentless lenders who are threatening to use or have already instituted foreclosure actions.

Legislatures and lenders have worked extremely hard to ensure that the Banks’ power is infinite over the rights of borrowers. The documents borrowers sign grant tremendous power to lenders to ensure their profitability and reduce their losses.

With all this power granted to lenders by the mortgage documents, the laws and the power of the courts still gives the borrower a fighting chance. The lenders made mistakes, many of them because of their securitization process, and also because at the end of the day humans run banks, and humans make mistakes.

We use existing laws to force the lender to capitulate, and the use of creative legal strategy to identify both basic defenses and unique applications of the law. Commercial Lending attorneys are quick to relate how the “Bank always wins” and they use this arrogance in the courts. It’s this office’s belief that winning is a matter of perspective, and freeing borrowers completely from the clutches of the Banks is a considerable win, when all odds are against the borrower. The feat is extremely difficult and is not to be taken lightly.

Our approach is proactive and in addition to raising counterclaims and suits against lenders, this office tries to lenders back on their heels and require them to produce every piece of evidence necessary to support and prove the merits of their claim.

1. Produce the Note
2. Standing
3. Truth in Lending Act Violations & Rescission
4. Predatory Lending
5. Predatory Servicing
6. Fraud
7. Alphabet Soup/Chain of Assignment
8. Residential Loans disguised as Commercial loans
9. Improper Lender Documentation
10. Expired Personal Guarantees and Surety agreements