What Information Do I Need To Bring To A Meeting With An Alabama Foreclosure Defense Lawyer?

When Alabama consumers come to see us there are a number of items we need to be able to review in order to help fight against a wrongful foreclosure that is about to happen or that has already occurred. Gathering these documents will help us to be able to help you so bring all of these that you can:

  • All mortgage documents including your note;
  • All newspaper advertisements related to any foreclosure sale (whehter or not it has actually occurred);
  • All of your credit reports;
  • All letters from any mortgage company or servicing company;
  • All letters from any foreclosure lawyer;
  • All advertisement letters from anybody or company offering to help you deal with foreclosure;

These documents help us understand your complete picture. We don’t just look at the foreclosure issue in a vaccum. Instead we see:

  • Are there Fair Credit Reporting Act (FCRA) claims, particularly if the foreclosure is improper but the mortgage company is reporting the foreclosure on your credit reports;
  • Are there Fair Debt Collection Practices Act (FDCPA) claims for the way this debt was being collected;
  • Are there issues with the foreclosure process itself (i.e. bad advertising, wrong county, etc);
  • What information do we see on the letters and bills – often these directly contradict what a mortgage company says when it is time to foreclose.

By gathering all of this information (which you will need to have when you file suit anyway) it truly helps us to help you better understand your options and rights so you can make the best decision for you and your family.

If you live in Alabama and want to discuss this with us at a free consultation, please feel free to contact us at 205-879-2447 or contact us through our website.

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