Why Us?

ARE YOU A VICTIM OF PREDATORY LENDING?

Could you be the victim of predatory lending and not know it?
Believe it or not most homeowners do not know they are victims of predatory lending.

If you are in pre foreclosure a thorough review of your loan documents may be the tool to help you obtain a loan modification or stave off a foreclosure action by your lender. You may find that your loan has illegal violations of the Truth in Lending Act (TILA)

This law is one of the most
OVERLOOKED AND ABUSED LAWS BY LENDERS.

Many predatory mortgages are so subtle the borrower doesn’t know it—until things get out of hand, and they are facing foreclosure.

There are TILA violations on over 70% of homeowner loans.
That means 7 out of 10 homeowners can use these violations as a defense against foreclosure!

What Are Legal Defenses for Foreclosure?

Here are just a few potential legal defenses for foreclosure:

• Truth in Lending (TILA) Violations Enabling Rescission
• Truth in Lending Act (TILA) Violations Enabling Damages
• Home Ownership and Equity Protection Act (HOESPA)
• Real Estate Settlement Act (RESPA)
• Failure to Provide a Correct Notice of the Right to Rescind
• Breach of Contract ~ Fair Credit Reporting Act
• Real Party in Interest (Note)
• Predatory Lending
• Excessive Fees
• Prepayment Penalties
• Yield Spread Premiums
• Refinancing Offers
• Mandatory Arbitration
• Copy of Loan Documents