Explore Your Options

Let Us Help You Explore Your Options

Foreclosure Defense

Creative attorneys can work with you to develop legal strategies that can prevent or forestall. Foreclosure for months, maybe even years or have your foreclosure dismissed completely

Forensic loan audits

A professional audit of your original mortgage documents may uncover federal violations of the Real Estate Settlement and Procedures Act (RESPA) and the Truth in Lending Act (TILA) and fraud that are prevalent in 83% of mortgage foreclosure filings we see. You can use them as leverage to negotiate a mortgage modification, or other concessions from your lender including a cancellation of your mortgage. This is an excellent strategy when used properly.

Mortgage modifications

Negotiating creative workouts with your lender that could lower your monthly mortgage payments by reducing interest rates, moving from an adjustable rate mortgage to a fixed rate mortgage, moving overdue payments to the end of the loan, reducing principal balances, extending the time frame of the loan, etc.

Reverse mortgages:

For those 62 years of age and older, that live in their principal residence and want to free themselves from their monthly mortgage payments forever. Typically there are no income or credit check requirements to qualify.

Forbearance/recapture agreement

Negotiating with your lender to roll overdue payments into your regular monthly payments or to place overdue payments on the back of your loan to help get you caught up and back on track.

Short sale

Negotiating with your lender to take less money than what is owed on your mortgage so you can sell your property. This is a great strategy for getting out from under a property that is worth much less than what you owe on it. There are hidden traps here to be aware of.

Deed in Lieu

Negotiating with your lender to take the deed for your property instead of foreclosing on the property. This could keep a foreclosure off your credit report. Another great strategy for getting out from under a property where you owe much more than the property is worth. There are hidden traps here to be aware of as well.

Credit repair

To remove negative information on your credit report so you can quickly gain credit worthiness and enjoy the benefits that come with having a great credit score. You may be surprised to learn that the right credit repair company can remove foreclosures, bankruptcies, liens and other negative info from your report.

Bankruptcy: filing bankruptcy as a last resort to solve financial difficulties and get a fresh start.

ACT Now!

There’s no need to spend your time hunting down all of the experts you need. Leave it to us!

If you’re interested in protecting your rights as a homeowner, and staying in your home, call us. If you’ve decided to get out from under a home that’s worth much less than what you owe, call us. If you tried and failed to solve the situation yourself like so many have, call us. If you want the peace of mind that comes with knowing that expert professionals are in your corner, call us. When you call, you’ll be assisted by knowledgeable professionals that will answer all of your questions and may help you to develop the right strategy. The time to act is now. Don’t walk away! You have everything to gain and nothing to lose. Just call 1-800-641-5951 for immediate help.

The Foreclosure Defense and Solution, Inc. is an independent foundation and is not associated with any government agencies. Our service is not approved by the government or your lender, nor does it need to be.