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FORECLOSURE DEFENSE ATTORNEY |
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Law Offices of Walter F. Benenati |
407-236-7171 |
Practice Areas
Foreclosure Defense -vs-
Home Loan Modification
We offer services to assist everyone’s individual situation.
Foreclosure Defense
Foreclosure defense is term used to describe a set of legal tactics and strategies used by consumer lawyers and advocates to fight and defend lender foreclosure actions. This emerging legal practice gained momentum, acceptance and notoriety with the subprime mortgage meltdown crisis of 2007–2009 as foreclosures in America soared to new heights.
Foreclosure defense involves a proactive fight against both judicial and non-judicial foreclosures of property wherein borrowers and their attorneys deny the legal claims or authority of the lender to foreclose. Common strategies include produce the note; prudential and legal standing to foreclose; Truth in Lending Act (TILA) violations; TILA rescission; predatory lending and predatory servicing; fraud; breaks in chain of title; and other tactics.
We can also prepare your response to the foreclosure lawsuit and provide representation in an attempt to give you additional time in the home to coordinate your finances during the next several months.
Home Loan Modification
A modification to an existing loan made by a lender in response to a borrower's long-term inability to repay the loan. Loan modifications typically involve a reduction in the interest rate on the loan, an extension of the length of the term of the loan, a different type of loan or any combination of the three. A lender might be open to modifying a loan because the cost of doing so is less than the cost of default.
We negotiate mortgage modifications and refinances on a daily basis. Our team is made up of former mortgage brokers and lenders. Since they are experienced and knowledgeable about the mortgage industry, it is natural that they will be able to help you with your negotiations because they understand how the process works. This is their business and they do it well. They have established relationships with lenders, loan services and loss mitigation departments.
There is something to be said about hiring someone who speaks the language of those who issue mortgages and performs refinancing on a daily basis. If a Modification is the best option for your situation, then we have the tools in place to help you.
Contact Us Today For Your Free Initial Consultation & To Evaluate What’s Your BEST Option.