Through our years of forensic dissection of hundreds of loan files, we have found that there may be good procedural grounds for Challenging
any loan, whether in default or not, loans that where originated between 2001-2008. In particular any such loan product or transaction that included "Pay-Option-Arm" loans or situations in which the borrower is now "upside down".
Federal Courts are now deciding the validity of mortgage loans, however due to the way Courts are set up, many of the facts that are being brought to light are quickly being kept under wraps by the banks entering into "Consent Judgements" thus keeping the findings of the facts that could be used in future cases from being used. In these "Consent Judgements" they have a written provision that the disposition of each case cannot be used by any attorney or class for a future suit.The Solution
During the Solution phase, we complete a preliminary document audit on your original loan documents and mortgage statements to locate and servicing violations - as stated above. Even one violation may be cause for invalidating your loan and improving your position when dealing with the bank.
Our initial process should stop the banks offensive foreclosure action and your eviction for 12 - 24 months on average while you may choose
to make no payments to the bank until your challenge is resolved.* (see note below)
We can help with the recovery of unlawful fees taken by the lender.
We do not provide legal advice or counsel, instead we partner with you through the process until we have reached an acceptable outcome for your home and debt Solution.
We maintain in-house licensed, legal counsel that can represent your challenges in court should an immediate judicial defense be necessary. Our administrative process
is then used to stop ant foreclosure action in accordance to RESPA. (All court defense costs are passed directly to you, but we can appear along with you if you choose).
We even recommend some people access the federal court system; they tend to get results with more informed judges.
Our Challenge and Solution
process gives you the time needed to decide your next step without the pressure of the lender on your back. Although the lender is bound by the contract, if foreclosure action has started and a successor trustee has been appointed, they my not "stop" their actions of foreclosure harassment, so be prepared to still get the calls and letters!
In many cases, we may be successful in getting you completely out from under the burden of the note on your terms, instead of just accepting any modification that the lender may offer you.
Our process gives you the time needed to get back on your feet, or to work with the lender to settle disputes. In other case challenged, the Federal Court has sided with the borrower and completely removed the bank from any claim to the debt!
DON'T WALK AWAY - CALL US TODAY! YOU WILL BE PLEASED WITH THE RESULTS!
CALL US @ 832 631 6241
*(Note: TILA Corp Inc. by this statement in no way suggest that you do not pay your monthly mortgage payment, but merely passes on information of what other borrowers have done without negative ramifications)