FORECLOSUREIt’s a word that you may not have expected to have been associated with a few years ago. But today, due to the “mortgage meltdown” of the previous few years, foreclosures are rampant, and constitute an incredible threat not just to the national economy, but to your own family’s sense of security and your own financial well being. The number one mistake that most people make is thinking that they can defend their foreclosure themselves. In fact, we can tell you from our own observation from any given day in Court, that even today, less than 20% of homeowners come to court with attorney representation. Don’t make that mistake. Don’t fall victim to foreclosure. Get legal help. We are a law firm dedicated to fighting banks, and saving homes. Our passion is not simply because foreclosure defense may be the “hot” practice area, but rather, stems from our anger at watching banks run roughshod over homeowners, watching them ruin our economy, and watching people like you, who may have fallen victim to greedy lenders and false promises and a bad economy, suffer at the hands of a Court system that is weighed heavily against the homeowner. We realize that you may want to save your home, but you also may not want to--many of our clients simply want additional time in the home, or are looking to avoid a deficiency judgment against them at a later date, but don’t actually want to keep their home. Whatever your goal, we can devise a strategy for you. We are skilled in the most cutting edge trends in foreclosure defense law, with a full arsenal of defenses at our disposal. We are leaders in the foreclosure defense field, respected amongst our legal peers in the foreclosure defense community. We would love the opportunity to show you what we can do to help you. |
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WHAT DO YOU WANT?
Foreclosure defense can have many goals: 1) LOAN MODIFICATION - Many homeowners want to keep their homes, but cant afford their payments, or missed payments for a period of times. We can assist you in modifying your loan and keeping your home. 2) SHORT SALE or DEED IN LIEU - Maybe you just want out of the house. Don’t just “walk away”--you could be hit with a deficiency judgment--a monetary judgment of hundreds of thousands of dollars. We can help you arrange a short sale, or a walkway from the property, and avoid a deficiency judgment. 3) TIME - Maybe you’re not sure what you want. Maybe you’re unemployed and need time to find work. Maybe you don’t want to move until the kids are done with their school year. Maybe you’re waiting to hear from the bank about your modification. Whatever the reason, we can assist you in keeping you in your home until you are ready to move, or until you are ready to explore options to keep your home, whichever you may choose.
Foreclosure Defense is no place to go it alone. You may think that you have it “all under control.” Maybe you’ve Googled everything you think you need to know. But foreclosure defense is one of the most complex fields in law. We are flooded with clients who often come to us too late, after they believed that they could defend themselves, only to find out too late that they were incorrect. |
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DEFENDING YOUR CASE
Our firm uses the most recent trends in the law to defend you from foreclosure. The “mortgage meltdown” gave rise to a host of new concepts used by banks, many of which were are simply not legal. From the use of MERS, a company which supposedly has the right to transfer and assign mortgages and notes, to the mass securitizing of home loans, these unorthodox practices provide substantial legal defenses to your foreclosure. Lenders, in a rush to close loans, sold “predatory loans,” loans that the lenders knew that homeowners could never pay back, with deceptive terms like adjustable rates and negative amortization terms. These deceptive and unfair practices provide a wealth of defenses which can be used to keep you in your home. Although under contract to comply with the Making Home Affordable Program (HAMP), many banks still illegally refuse to do so. They will deny you for modifications illegally, or may simply neglect their obligation to qualify you for HAMP modification altogether. Our firm holds the banks accountable for these violations. These are only some of the ways that we defend foreclosures. Our attorneys give your case a full analysis, both factual and legal, to make sure that the bank knows that it has a fight on its hands, and that it can either work with you, by extending a modification or waiver of a deficiency judgment, or cooperating with a short sale, or else they know they have a fight on their hands. |
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MODIFYING YOUR LOAN
For those interested in keeping their homes, we have an in depth knowledge of all of the most up to date and recent loan modification programs. As you likely have heard, banks will do anything and everything to deny you a loan modification. Often, they will simply flatly refuse to apply governmental programs which they are obligated to comply with. Many of these programs, such as the Home Affordable Modification Program (HAMP), give the bank a lot of “wiggle room,” where they can deny you for your modification. So, it is vitally important that what you submit to the bank be complete, accurate, and that the numbers and figures you are providing to them add up to the numbers that the banks require. Do NOT simply give your paperwork to the bank. It is vital that you make sure you understand what figures the banks are looking for, and what figures and financial information qualifies you for the HAMP modification program. For example, you may have too much income to qualify. You may not have enough. You may have too many monthly bills or expenses. Your spouse’s income may assist you, even if she isn’t on the loan, but if he/she assists you too much, you may be disqualified for HAMP. Bills that appear on your credit report but you aren’t paying need to be explained. Profit-loss statements need to be demonstrated if you are self-employed. Sound confusing? Getting your mod approved means more than blindly producing paperwork. Come talk to us about a comprehensive strategy to modify your loan. Remember, while nobody can ever guarantee you anything, we can and do guarantee you that we will never, ever take your money for a modification, if we don’t believe that you have a chance at qualifying for one. |
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Here’s the bottom line: You shouldn’t have to stress or panic about foreclosure. Yes, foreclosure is a serious matter, and there’s a lot at stake. Take the stress off your shoulders and put it on ours. Let us do the fighting for you. Go into this with an advocate on your side, an advocate who will explain to you every step of the way what the options are. Modification. Fighting in court. Bankruptcy. Short Sales. Deeds in Lieu. We can help. Call us to talk about your foreclosure case today. |
THE BOTTOM LINE
SUNSHINE LAW GROUP - 3527 Griffin Road, Ft. Lauderdale, Florida 33312 - 954-848-4357 (954-848-HELP)
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