“The best defense is a good offense!”
Defending your rights with litigation can be the best way to resolve your troubled mortgage and keep your home!
► Does your mortgage loan have a high interest rate, upward adjustment or balloon payment?
► Are you stuck in an Adjustable Rate Mortgage (ARM), Negative Amortization or Interest Only mortgage?
► Was your mortgage loan sold and/or transferred one or more times?
► Have you applied for a loan modification or other assistance, and been denied after getting the runaround?
► Did you successfully complete a trial modification, only to be denied a permanent modification afterward?
► Have you had misapplied payments that caused your credit to be adversely affected or cause other damages, including foreclosure?
► Are you a victim of the “dual-track” foreclosure process, wherein your lender led you to believe you were working on a loan modification and then foreclosed?
GET HELP NOW!
Call (888) 718-0986 and speak to a friendly representative, or fill out the simple form to the right to schedule your NO COST consultation with an experienced mortgage litigation attorney. There is no obligation, so learn more about available legal options today!
The mortgage litigation attorneys promoted by Mortgage Relief Project have been featured in these networks and publications.
*IMPORTANT – PLEASE READ – Attorney consultations will only be scheduled after completing an initial interview with an MRP Representative. MRP Representatives are authorized to perform limited marketing support functions only. They can not and will not offer legal advice. It is illegal for anyone other than a licensed attorney to give legal advice.
Basic Eligibility Requirements
The following list of qualifications is a general guideline and is by no means all inclusive. The best way to determine the viability of pursuing litigation against your lender is to speak to an experienced mortgage litigation attorney. There is no obligation, so call today!
INCOME AND ASSETS: You can be employed, unemployed, or retired. The unemployed or retired should have ample cash reserves and/or other sources of income.
MORTGAGE STATUS: Any of the following statuses are eligible: Current, Delinquent, Mitigation in Process, Mitigation Denied, Mitigation “Pending” more than 120 days, In an Adjustable Rate Mortgage (ARM), In a Negative-Amortization Loan, In an Interest Only loan, In a “Balloon” Mortgage. Ideal clients have a mortgage balance of $100,000 or more.
SALE STATUS/POSSESSION: You can be anywhere from current on your mortgage, to living in your already foreclosed and sold home, but not yet evicted. IN ALL CASES WHERE HOME RETENTION IS THE PRIMARY GOAL, YOU MUST OCCUPY OR LEGALLY CONTROL THE PROPERTY. Consumers that have already exited the property are typically limited to suing for monetary damages.
HARDSHIPS: RESPA, TILA, HOBOR, “MHA declined”, “MERS”.
After years of legislative evolution, individual litigation by homeowners against their mortgage lenders has become a viable legal strategy. Recent legislation in most states, most notably the Homeowner Bill of Rights (HBOR), gives homeowners a stronger hand in defending and pursuing relief for legal issues arising from their mortgage. Legislators and judges are holding lenders responsible for RESPA, TILA, HOEPA and HBOR violations, which were previously minimized in most courts. Additionally, legal issues arising from “MERS” and “improper MHA declinations” are giving homeowners additional causes of action.
While each case is unique, the mortgage litigation attorneys supported by MRP typically follow these basic steps:
1. Conduct client interview and obtain all relevant documents.
2. Complete background investigation on subject property, mortgage loans and all other relevant facts and documents.
3. Analyze facts and evidence for all possible causes of action.
4. Formulate and file lawsuits for all causes of action in STATE AND/OR FEDERAL court, as appropriate. (Most foreclosure litigation actions are brought at the state level).
In cases involving foreclosure or eviction proceedings, an application for injunctive relief, or Temporary Restraining Order (TRO) may be filed to stop foreclosure or eviction proceedings. In addition, a lis pendens may be filed when appropriate.
Should You Sue Your Lender?
► ► ► Take The Lender Litigation Test! ◄ ◄ ◄