Frequently Asked Question


1What Do You Guys Do?
  1. We are a foreclosure defense firm. Our practice is dedicated to foreclosure defense. We raise substantive and procedural defects by the bank to prevent the bank from just taking your house.
  2. We consistently find and identify fraudulent documents filed by the banks in most of our foreclosure cases. We have also found that loan modifications are more successful after we have filed our pleadings in court challenging the banks. Banks constantly negotiate loan mods, and at the same time move to default you in the foreclosure. Most importantly, we effectively stop the bank from taking your house while negotiating the loan mod with the bank.
  3. One of our biggest and most complicated defenses is based on the securitization of your mortgage. Which the attorneys can discuss with you in more detail if it's applicable.
2How much is this going to cost?
  1. The initial consultation is free and no charge to you if you don’t want to sign up. At this initial consultation, the attorney will review your file, documents, and public record if available, and let you know what your options are. At that meeting the attorney will be able to let you know what defenses you have available and what it will cost to represent you.
  2. Unfortunately, we cannot give you figures over the phone because the cost is based on the specifics of your case. At your consultation the attorney will review your file and will then give you a specific quote.
  3. The attorneys take into consideration your financial hardship as part of their fee structure to help you out. The objective is to help you stay in your home or reach the goals you are looking for.
3Give me a “ball park” on cost."
The attorneys will take into consideration your financial hardship as part of their fee structure in order to help you out, but only the attorneys can give you pricing. The consultation and assessment of your case is FREE.
4What is your success rate?
  1. For each of our clients, success means different things. For some, the goal is just to stay in the house as long as possible without making payments, while others want a loan modification to keep their home. Additionally some are looking for either a deed in lieu or short sale without any deficiency.
  2. Based on your ultimate end goal, we tailor our strategy to your needs to give you the best chance at success. It also depends on when people come to us to help save their home. Some of our cases come to us after other attorneys or even the borrowers themselves have gone into court and made significant errors in the case, seriously hurting the chances of success. We also see clients who come to us so late in the process that many defenses and opportunities to recover from the bank have been lost. Having said that, even with these errors present in the cases or the arrival of clients in the later stages of their cases, our firm has been able to achieve success.
  3. We have also found that in many of our cases the banks may continue moving ahead with the foreclosure process even though you are negotiating with them. This could significantly hurt your position and effectively take away many defenses otherwise available to you.
  4. If we can't help you we won't charge you. We only take cases where we can make your life better.
5How long will the process take?
  1. If you chose not to do anything, the statutory foreclosure process takes min of 9 – 11 months without representation.
  2. With the right attorney at your side, this process could take a minimum of two years on upwards of 7-8. Throughout that entire time, you would still be living in your home.
6What should I expect from the appointment?
  1. Attorneys will explain the foreclosure process and what you can expect, along with your available options and the pros and cons for each.
  2. A review of your documents (without docs there can be no review) to identify potential defenses and counterclaims against the bank.
  3. A preliminary litigation strategy that may change depending on direction of the case, judge, plaintiff or opposing counsel.
7What should I bring with me?
  1. Signed mortgage documents that are currently or about to be in default
  2. A copy of the complaint and all exhibits
  3. Any other pleadings or documents received from the bank, the court or the bank's attorney
  4. Copies of any loan modification documents submitted to the lender for approval