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​Foreclosure & Tax Sale Defense

Facing foreclosure, tax sale, eviction, or unable to get a loan modification
​despite your best efforts? We can help. 



We understand how devastating foreclosure can be. Your home is more
​than just a residence -it’s the place where you and your family have built your lives.

What can we do for you?
  • We answer all your questions regarding foreclosure.
  • We review your financial situation and negotiate with the lender.
  • We can always work out a loan modification with the lender.
  • Even if the foreclosure date has already been set, hope is not lost.
  • We are relentless in our pursuit of a positive outcome for you
Contact us today so we can answer your questions, address your concerns,
discuss feasible options and go over the pros and cons of each option.

Top Questions from Clients

  • I already got a Notice of Sale with a foreclosure date. Can you still help?

  • My property was sold at foreclosure, tax sale. Is it too late to get my property back?

  • I had a lot of equity in my home before it was sold at foreclosure. Can I get any equity back?

  • Do I still have any options even if my finances are tight?      

Good News?

If you have lost property or received a card or a letter from us, could you claim the funds we are holding? and it can be anywhere from a few hundred dollars up to a high of $200,000 Plus.

We fight for our clients' rights, and we can do things such as claim funds, release you from property debt burdens, credit issues, and redeem property.

All that money and property you thought lost in a tax or foreclosure proceeding may not be lost at all. Just because you did not have the money to stop the sale, hire a lawyer, you lost a home. Let us look at the case and see if we can assist you.

Facing Foreclosure? WANT TO TAKE BACK CONTROL? READ BELOW.

4 Things You May decide to Do First:
Organize The Facts Thoroughly
  • Gather all documents from the lender.
  • Open all unopened mail.
  • Claim mail waiting at Post-Office
  • Call lender to confirm sale date.

Why Do I Need to Do These Things First?

1.  Gather Relevant Mortgage Documents: You need to gather documents, so you (and your mediator & lawyer) know the status of your loan account, and all recent activity on the account. Gather all documents received in the last 6 months from the lender, the servicer, and/or their lawyers.

2.  Check for Unopened Mail: Find and open all unopened mail that is from the lender, the servicer, and/or their lawyers.

3.  Claim Mail Being Held at Post-Office: If you’ve received and ignored any Notices of Certified Mail from your Post-Office, you must claim those immediately. If from the lender, servicer, or their lawyers, open immediately.

4.  Call to Confirm Sale Date: Call the lender or servicer to confirm whether there is a scheduled foreclosure date. This is important because it will tell you how much or how little time you have to save your home.

4 Things You Should Do Next: 

​Assert Your Rights Strategically
  • Request a loan modification​

  • Request a written reinstatement quote. ​

  • Request a written pay-off quote. ​

  • Request debt validation and loan history.

Why Should I Request Any of These Things?

  • 1.  Loan Modification Request: This works best if there is no foreclosure date yet, or if the loan modification application can be submitted at least 38 days prior to the scheduled foreclosure date. This can be used as a strategy to buy time even if you think you may not be approved for one or intend to sell the house.   If you already submitted one a while back, demand a written decision or appeal a denial.
    ​
    2.  Reinstatement Quote Request: This may help future arguments and will also help a foreclosure defense lawyer be able to quickly evaluate your options.

    3.  Pay-Off Quote Request: This will help in evaluating your options.

    4.  Debt-Validation and Accounting History Request: This could buy you more time, especially if there’s already a foreclosure date. Ask for the complete loan history for your mortgage loan. If you end up needing a lawyer, he/she may have to make another more formal request but it’s helpful to have a trail of requests on file.

*Make all requests in traceable written form. In order of preference (if time permits): Use Certified Mail with Return Receipt; Fax with Sent Confirmation; or Email.

3 Other Things You May decide to Do:

Learn All Your Options - Fast, Affordable & Reliable Way
  1. Consult with 2 foreclosure defense lawyers.
  2. Consult with 2 bankruptcy lawyers.
  3. Learn all of your options.

Why? Also See Examples of Available Options

1.  Foreclosure Defense Lawyers: Get opinions from at least 2 foreclosure defense lawyers. Not all lawyers use the same tools. Most lawyers offer a free initial consultation. If not, what’s at stake here certainly makes it worthwhile to pay for an hour of the attorney’s time. Please be aware that a real estate lawyer doesn’t automatically have experience with foreclosure defense. Ask the lawyer about his/her experience with foreclosure defense.

2.  Bankruptcy Lawyers: This will help you know ahead of time what is required to file for bankruptcy if needed. Consult with at least 2 bankruptcy lawyers. However, we suggest that you only use bankruptcy as a last resort.

3.  Available Options: Available options will be unique to each individual’s situation but may include the following:

Loan Modification; Reinstatement; Postponement of Foreclosure Date; Restraining Order to Stop Foreclosure; Reversal of Foreclosure (if already foreclosed). Actual available options will vary depending on the facts of each individual case. However, if you don’t learn all options, you won’t be able to make the best-informed decision for your situation.


*Our Mediation firm rarely recommends Short Sales or Deeds-in-Lieu-of-Foreclosure because there are usually other options that benefit the homeowner more. Also, we recommend bankruptcy only as the very last resort.

Why Do I Need to Consider Consulting with Lawyers?

  • 1.  Foreclosure Defense Lawyers: Get opinions from at least 2 foreclosure defense lawyers. Not all lawyers use the same tools. Most lawyers offer a free initial consultation. If not, what’s at stake here certainly makes it worthwhile to pay for an hour of the attorney’s time. Please be aware that a real estate lawyer doesn’t automatically have experience with foreclosure defense. Ask the lawyer about his/her experience with foreclosure defense.

    2. Bankruptcy Lawyers: This will help you know ahead of time what is required to file for bankruptcy if needed. Consult with at least 2 bankruptcy lawyers. However, we suggest that you only use bankruptcy as a last resort and work closely with your mediator to structure credit and financial recovery as well.

3 Final Things to Consider Doing:

Follow One Strategy At A Time - Use Back-Up Plans
  1. Focus on the best bet strategy first.
  2. Follow up with the next best strategy.
  3. Save extreme strategies for last.

What Do You Mean by Best Strategy?

1.  Best Path First: The path of least resistance is the quickest way to get to your goal. Only escalate if it is called for. It is seldom necessary to use two strategies simultaneously without first seeing the result of the first strategy used.

2.  Shift Gears as Needed: If the first strategy doesn’t yield the desired results, or is not able to be fully implemented, move on quickly to the next best strategy for your particular situation and try that.

3.  Save the Extreme for Last: Unless it’s an emergency and you’re totally short on time, reserve extreme measures for last. This will save you money, time, effort, and a lot of headaches.

Still have questions? Need more guidance?  Call us at 423 367 7585 for a FREE Preliminary Phone Consult.

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